حلول الهوية الرقمية في معرفة العميل و دورها في تعزيز الشمول المالي : دراسة تجارب بعض الدول العربية

الملخص EN

This study aims to shed light on digital identity systems and their different use cases.

it also focuses on the process of integrating digital customers adopted by financial institutions within the framework of what is known as “know your customer electronically (e-KYC)” and best practices in Arab countries, and finally the challenges and factors that impede the widespread adoption of these digital technologies with the aim of advancing the financial inclusion agenda.

and support development goals.

this study concluded that digital identity systems are still in their infancy in most Arab countries, and that the kingdom of Bahrain and the united Arab emirates represent pioneering experiences in the region for applying the (e-KYC) model.

the study also indicated that the main reason for the decline in levels of financial inclusion is not necessarily the lack of a digital identity, but rather there are other reasons represented in cultural factors or the unwillingness to deposit their money in banks.

it is also attributed to the remoteness of commercial bank branches from rural areas, and thus the inability to take advantage of banking services.