التمايز و الترسيم و القواسم المشتركة للمصطلحات في التكنولوجيا المالية

Abstract EN

Financial technology with its divisions and tools is considered one of the fastest economic catalysts in the financial industry, being the main window for innovation and the provision of advanced financial services, Despite the major transformations that have taken place over the decades due to changes in technological systems, economic and political legislation and even geography, many authors have pointed to the birth of a new era of financial services, which will be radically reflected in the financial industry as a whole.

Because of the importance of the topic and how new it is for the banking sector, attracting the attention of financial and economic bodies and financial and business leaders in addition to its association to the technology sector, cybersecurity and information network, it was necessary to identify the term financial technology (fintech) and clarify its origin and purpose and track its origin and development and show its relationship to the successive technological revolutions.

The research concluded that the sequential and successive developments of each of the industrial revolutions as well as the changes in their biological, physical and digital engines confirm the fact that a new generation of technology will lead to sweeping changes in the nature and future of many sectors including the financial and banking sectors.

The digital technological catalyst of the Fourth Industrial Revolution can be considered the main basis for the emergence of new tools, technologies and entities, collectively called financial technology.

The term financing technology and financial technology have to be differentiated, as financing technology is part of the fbusiness models of financial technology and returns to them.