التحولات الرقمية في القطاع المالي بين فرص الاستقرار و مخاطر الابتكارات المالية : تجربة شمال إفريقيا

الملخص EN

Digital transformations have revolutionized traditional financial services and reshaped the financial landscape, where today's technological innovations increasingly fulfill customer requirements for ease, speed, inclusiveness and affordability .

Therefore, banks are seeking to introduce some necessary changes in their business models by expanding their investments in technology to enhance the digitalization of their financial services and improve their competitiveness.

As a result, banks face a trade-off between converging goals between achieving financial stability and mitigating the risks of financial innovation, as excessive regulation and oversight may impede the development of financial technology solutions.

Hence, the need arises to develop comprehensive legislative, regulatory and supervisory frameworks that enhance innovation and provide opportunities for the growth of digitization business models in a competitive environment, in order to ensure that these new technologies are not used as tools for fraud and money laundering, to ensure that they do not threaten financial, economic and social stability.

This balanced approach of effective oversight and supervision can broaden the reach and reach of financial services, while maintaining customer protection.