دور تكنولوجيا المعلومات المالية في تعزيز الشمول المالي في ظل اقتصاد المعرفة : دراسة استطلاعية في مصرف النهرين الإسلامي

Abstract EN

Rapid developments in the field of financial information technology made it possible to contribute to the production of the financial and banking services industry, as it contributed to the transformation of a large number of banks to electronic transactions and the expansion of the use of electronic commerce and the provision of advanced banking services.

Rather, it went beyond using the benefits of financial technology and encouraging international cooperation and exchange of information to meet the desires and needs of its customers, such as ATMs, smart cards, and the use of the Internet in payment and transferring money from one place to another.

Therefore, our research paper aimed to clarify the opportunities and challenges of financial technology, especially with regard to the degree of safety, trust, ease of use and effectiveness.

And the extent of responding bank customers with their tools and identifying the procedures that can be taken by the bank.

The sample of the study to expand its use and the extent of its contribution to enhancing financial inclusion in Iraq.

The research found that expanding the scope of electronic financial services provision and financial inclusion for all segments of society by increasing the provision of credit and reducing costs helps to assess risks and stimulates companies and business activities to increase production, achieve economic growth and create job opportunities.

The study recommended that the issue of financial technology be part of a national strategy for financial and digital transformation and education and encouraging the exchange of knowledge between actors in the public and private sectors, civil society and stakeholders to enhance awareness and financial knowledge of all members of society.

Key terms for research: financial technology, knowledge economy, financial inclusion, electronic services, financial and digital education.