دور تبني محددات ابتكارات التكنولوجيا المالية في تدعيم متطلبات الشمول المالي بالبنوك التجارية المصرية

Abstract EN

The main objective of the research was to identify the role of adopting the determinants of financial technology innovations in enhancing the requirements of financial inclusion as one of the leading strategies adopted by the Central Bank of Egypt to improve economic and social conditions and enhance financial stability.

In order to achieve this goal, the researchers relied on designing a survey list and directing it to a sample of officials: senior management, credit management, information technology management, governance and banking compliance management in commercial banks according to their ownership (public sector, private sector, foreign branches), with a total of 290 items.

76% response rate.

The researchers reached a set of results, the most important of which are: The commercial banks under study adopt the determinants of financial technology innovations in terms of (perceived benefit, ease of use, perceived credibility, perceived trust, compatibility with the customer's lifestyle, cost of use, customer adoption) as a basis to enhance the requirements of financial inclusion.

There is also a direct, statistically significant relationship between each of the seven determinants of financial technology innovations and each other.

In addition to the existence of a direct statistically significant correlation between each of the three dimensions of financial inclusion and each other represented in (the use of financial services, the availability of financial services, the quality of financial services).