دور التأمين التكافلي المصرفي في تطوير الصناعة المالية الإسلامية و حمايتها

Abstract EN

The Islamic financial industry is currently moving towards convergence between the Islamic banking and Takāful insurance sectors; to find the optimal, most effective and efficient distribution channels.

In light of this changing competitive financial environment with the conventional bancassurance model, the research paper aims to highlight the Bancatakāful strategy that provides new future prospects for Islamic banks and Takāful companies; in order to diversify business lines and boost customers' base.

By using SOWT analysis to identify the most important aspects of strengths, weaknesses, opportunities and threats facing the growing Bancatakāful industry.

Finally, this paper concludes that adopting Bancatakāful partnerships contributes to providing financial protection for individuals, companies, economy and the Islamic financial industry as a whole, to improving the indicators of financial inclusion and digital transformation through the factors related to support of the single prudential regulation over the two sectors.

Aligning the strong branding with the Islamic financial institutions' vision and culture in risk-sharing, ethical finance and values-based solutions.

The skill of human resources in designing of insurance, banking and finance products that are innovative, integrated and appropriate to the needs of customers from one-stop shopping.

As each partnership model has its own peculiarities and challenges, it offers varying degrees of integration