دور التكنولوجيا المالية الاسلامية في تحقيق الشمول المالي

Abstract

This study aims to analyze the possibility of implementing Islamic Financial Technology (Islamic FinTech) to achieve financial inclusion in Algeria through a comparative study of the Saudi and Malaysian experiences. The study relied on the descriptive analytical method and the comparative method to highlight the role of Islamic FinTech in expanding access to financial services and enhancing financial inclusion. The study concluded that Islamic FinTech is an effective tool for achieving financial inclusion, especially with the rapid digital transformation in the financial sector. It also showed that the success of the Saudi and Malaysian experiences is linked to the availability of an appropriate regulatory framework, advanced digital infrastructure, and support for Islamic financial innovation. Regarding Algeria, the study found that the country has significant potential to develop Islamic FinTech; however, its success depends on improving the legal framework, strengthening digital infrastructure, and enhancing financial and digital literacy.