أثر تقلبات العوامل الاقتصادية و الرقمنة المصرفية على الشمول المالي : دراسة حالة السودان

الملخص EN

The study aimed to shed the light on financial inclusion, which involves access to financial products and services that meet the needs of all segments of the society in order to enhance financial well-being and economic and social integration.

The study examined the reality of financial inclusion in Sudan in the light of banking digitization, especially given the unstable economic situation that Sudan is going through, as well as witnessing sharp economic fluctuations due to the economic sanctions imposed on the country.

The study focused on the fluctuations of macroeconomics determinants such ad Gross Domestic Product, inflation, money supply, and exchange rate.

The study revealed that there is a strong relationship between financial inclusion and economic fluctuations in the light of banking digitization, which indicated that the higher the factors and indicators of economic fluctuations, the higher will be the impact on the level of financial inclusion.

The study emphasized the need for creating an enabling economic environment that helps in achieving accelerating growth rates, which are protected against economic fluctuations; and help to reduce the parallel economic activity outside of the banking system, besides developing of financial and technical infrastructure.