التعاون بين البنوك و شركات التكنولوجيا المالية منهجا لتنمية الصناعة المصرفية

Abstract EN

this study aims to examine the cooperation of banks and financial technology companies issue through the following problematic: Is the banks and fintech cooperation a necessity to reshape and Development the banking industry structure ? and Is the cooperation logic more beneficial than the competition logic ? to answer all of that, we relied on the descriptive and analytical approach by reviewing a number of literature and researches related to our study, where we reached some results : That banks still involved in the infrastructure which drained more time and resources, this cooperation is based on digital innovation, gain more innovative culture and flexibility in the way of business management to create new business models compared to their traditional models, also this cooperation will add a strategic values; insight and managerial efficiency, and gives both of them the opportunity to overcome their weaknesses and enhance their strengths, accordingly; we recommend that this cooperation should be strengthened through openness and good understanding that mutual benefits, with the necessity of take advantage to opportunities and reduce the threats to ensure the survival of both.