السعودية نموذجا (mada) دور التكنولوجيا المالية في تدعيم الكفاءة المصرفي ة مدى

Abstract

The study aims to show the impact of the digital transformation of financial services in the modern financial system as a result of the integration of digitization and technology in the financial system, which produced what is termed financial technology, which affected the banking system as it became a challenge that must be accompanied to maintain high performance levels and provide services that satisfy the needs And the desires of individuals, the research included studying the impact of financial technology and banking efficiency. The research sample included a study of the Saudi experience of the Saudi Payments Network (MADA), and the contribution made by the financial industry products to achieving efficiency, quality and efficiency in the banking service through what (MADA) provides of financial products and their evaluation during the study period. Financial technology in the Saudi payments network has contributed to achieving high levels of banking efficiency.