khazzartech الاقتصاد الصناعي
Volume 14, Numéro 2, Pages 95-119
2024-12-21
Driving Innovation In Islamic Finance Through Financial Technology (fintech): Analysis Study
Authors : Zerargui Hadjer .
Abstract
This paper examines the crucial role of financial technology (fintech) in advancing the Islamic financial industry and promoting financial inclusion in North African countries. It begins by assessing the current state of the Islamic financial sector and the growth of fintech in the region. The findings show that while Islamic finance in North Africa has experienced considerable growth in recent years, it still represents only 1% of the global Islamic financial market. Fintech platforms have emerged as key drivers of progress, contributing to market stability, increasing market share, and enhancing global competitiveness. Furthermore, fintech offers Islamic banks the opportunity to partner with innovative startups, thereby attracting a wider array of investors and opening up new avenues for expansion. The growth of the Islamic financial industry in North Africa has substantial potential to foster financial inclusion by bringing underserved populations into the formal financial sector.
Keywords
Financial technology, Islamic finance, financial inclusion, North African economies, fintech, blockchain, peer-to-peer lending, crowdfunding, robo-advisory, RegTech, Shariah compliance.
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