أثر توظيف تطبيقات الدفع الإلكتروني في تقديم الخدمات المصرفية على تحسين أداء البنوك : عرض لتجارب دول رائدة أنموذجا سنغافورة و كندا للدفع عبر الحدود بواسطة البلوكتشين لمشروع Jesper-Ubin، اندونيسيا، اليابان

الملخص EN

Our study aimed to find out the impact of electronic payment applications in providing banking services on improving the performance of banks in light of the rapid technological development, as we relied in our research paper on an analytical and evaluative study of the efforts of the experiences of leading countries as a model: Singapore and Canada for cross-border payment by blockchain for the Jesper-Ubin project, and The experience of Indonesia and Japan through the most prominent electronic payment gateways, And our study concluded that Blockchain technology has contributed to increasing the efficiency of payment, settlement and data storage processes, modernizing the banking and financial system, and flourishing in electronic commerce, and benefiting from this area in achieving financial stability and economic growth, and categorized payments using credit cards.

And electronic money as non-cash payments with the aim of achieving a key performance indicator in the ratio of non-cash payments to the percentage of final consumer expenditures for individuals