مجلة الأصيل للبحوث الاقتصادية والإدارية

Cybersecurity Threats And Their Implications For The Sustainability Of Innovation In The Islamic Financial System

Auteurs : Baaloul Newfel . Boutemine Wiame .

Résumé

With technological and digital acceleration, many variables have emerged in this field, and since countries strive to win the race of competition and to establish control over markets, they are always in continuous pursuit of keeping pace with digital transformation, which exposes them and their financial systems to highly dangerous threats, the most important of which are cyber security threats that have started to affect infrastructures and undermine customer trust. The subject takes on greater importance when viewed from the perspective of Islamic Sharia, which, despite its religious nature and credibility, is not immune from being exposed to internal and external security risks and threats. The study has demonstrated, through addressing both the experience of Bank Syariah Indonesia and the Nobitex platform in Iran, that financial systems are at all times exposed to the risks of cyber threats, whether internal or external. The matter is further aggravated by the absence of competent human resources, in addition to the fact that the pace of digital innovation is faster than the ability of Islamic financial institutions to keep up with cyber risks, which increases the severity of attacks that not only result in financial losses but also extend to geopolitical losses.

Mots clés

Cybersecurity ; Threats ; Sustainability ; Islamic Financial System ; Innovation