دور التكنولوجيا المالية في تعزيز الشمول المالي في البنوك التجارية

Abstract

This study aims to analyze the role of financial technology (Fintech) in enhancing financial inclusion within commercial banks by facilitating access to financial services and improving efficiency. The study adopted a descriptive-analytical approach by reviewing relevant literature and analyzing digital indicators related to Fintech adoption. Results showed a clear improvement in financial accessibility due to digital solutions such as e-wallets and mobile applications. There was also a noticeable expansion in the use of digital banking products like cards and point-of-sale terminals, contributed to broadening the base of beneficiaries. However, identified regulatory and bureaucratic barriers hindering wider expansion, along with weak digital infrastructure in some areas. Furthermore, the lack of financial and digital literacy among target groups, especially in remote regions, limits the full benefits of Fintech."