الكتلة النقدية وظاهرة التسرب النقدي

Abstract

This study aims to analyse the phenomenon of cash leakage outside the banking system and to know the reasons and factors that led to this phenomenon, which has increased dramatically recently.The most important conclusions were reached :weakness of banking and finacial services, which represent the requirement of financial inclusion, in addition to weak and low banking awareness and confidence among individuals and the lack of electronic bankink tools.All this led to individuals keeping money outside the banking system.As result of decrease in banking awareness and confidence, transaction with banks will decrease.The study recommended the adoption of urgnt anational strategy to work on increasing banking awareness among individuals and improving banking services to enhance financial inclusion by removing all obstacles that prevent the implemation of this finacial inclusion.The banking system in general ,and commercial banks in particular should follow the example and benefit from experiences of developed countries in the field of digital inclusion, especially in recent times with the outbreak of the corona pandemic and the desire of individuals to move towards using electronic wallets and smart device applications in conducting daily transactions.