نحو تفعيل دور التكنولوجيا المالية في تعزيز الشمول االمالي و تسهيل الوصول إلى الخدمات المالية الإسلامية دراسة حالة بنك البركة ومصرف الراجحي السعودي

Abstract

This study aims to reveal the role of financial technology in achieving financial inclusion and facilitating access to Islamic banking services, by conducting an interview in the form of a questionnaire distributed to the study sample of 60 individuals who deal with Al Baraka Bank Algeria And with reference to the Saudi Al-Rajhi Bank during the 2020-2021 period, where modern technology seeks to compete with traditional methods when providing financial services to improve the quality of these services, so that this technology is faster, cheaper, easier and more individuals can access it, thus achieving financial inclusion. The study concluded that spreading the culture of using financial technology in Islamic banks has so-called digital Islamic financial services, especially in light of the expansion of mobile payments and the Internet.enhanced individuals' access to various Islamic financial services through the emergence of