دور التكنولوجيا المالية في تعزيز الشمول المالي

Abstract

This study aims to highlight the role of financial technology (fintech) in enhancing financial inclusion. It adopts a descriptive-analytical approach, addressing various concepts related to the study variables-namely, fintech and financial inclusion- while also highlighting the opportunities fintech provides and the challenges it faces. The applied section of the study examines case studies of successful fintech models in African countries, including the M-Pesa service in Kenya, as well as the Tala and Paga platforms in Nigeria, and Zoona in Malawi. The study concludes that these countries have made significant strides in financial inclusion and expanding access to financial services, driven by digital transformation and innovative solutions in digital financial services, particularly through mobile technology. However, several challenges remain, most notably deficiencies in infrastructure, digital illiteracy, and certain regulatory challenges.