ﻣﺴﺎﻫﻤﺔ ﺍﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ ﺍﻟﻤﺎﻟﻴﺔ ﻓﻲ ﺗﻌﺰﻳﺰ ﺍﻟﺸﻤﻮﻝ ﺍﻟﻤﺎﻟﻲ "ﺩﺭﺍﺳﺔ ﺣﺎﻟﺔ ﻋﻴﻨﺔ ﻣﺨﺘﺎﺭﺓ ﻣﻦ ﺩﻭﻝ ﺍﻟﺸﺮﻕ ﺍﻷﻭﺳﻂ ﻭﺷﻤﺎﻝ ﺇﻓﺮﻳﻘﻴﺎ MENA ﺧﻼﻝ ﺍﻟﻔﺘﺮﺓ -2010) "(2023

Abstract

ﺗﻬﺪﻑ ﻫﺎﺗﻪ ﺍﻟﺪﺭﺍﺳﺔ ﻟﺘﻮﺿﻴﺢ ﻣﺪﻯ ﻣﺴﺎﻫﻤﺔ ﺍﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ ﺍﻟﻤﺎﻟﻴﺔ ﻓﻲ ﺗﻌﺰﻳﺰ ﺍﻟﺸﻤﻮﻝ ﺍﻟﻤﺎﻟﻲ ﻓﻲ ﺩﻭﻝ ﺍﻟﺸﺮﻕ ﺍﻷﻭﺳﻂ ﻭﺷﻤﺎﻝ ﺇﻓﺮﻳﻘﻴﺎ MENA ﺧﻼﻝ ﺍﻟﻔﺘﺮﺓ 2023-2010، ﻭﺑﻐﻴﺔ ﺍﻹﺟﺎﺑﺔ ﻋﻠﻰ ﺍﻹﺷﻜﺎﻟﻴﺔ ﺍﻟﻤﻄﺮﻭﺣﺔ ﺇﺗﺒﻌﺖ ﺍﻟﺪﺭﺍﺳﺔ ﺍﻟﻤﻨﻬﺞ ﺍﻟﻮﺻﻔﻲ ﻭﺍﻟﻤﻨﻬﺞ ﺍﻟﺘﺤﻠﻴﻠﻲ ﻓﻲ ﺍﻹﻃﺎﺭ ﺍﻟﻨﻈﺮﻱ، ﻛﻤﺎ ﺗﻢ ﺇﺳﺘﺨﺪﺍﻡ ﻧﻤﻮﺫﺝ ﻗﻴﺎﺳﻲ ﻳﻌﺘﻤﺪ ﻋﻠﻰ ﺑﻴﺎﻧﺎﺕ ﺍﻟﺒﺎﻧﻞ ﺣﻴﺚ ﺗﻢ ﺇﻋﺘﺒﺎﺭ ﺍﻟﻤﺆﺷﺮﺍﺕ " ﻣﺆﺷﺮ ﺇﻧﺘﺸﺎﺭ ﺍﻟﺨﺪﻣــﺎﺕ ﺍﻟﻤﺼـــــــﺮﻓﻴﺔ OP ﻭﻣﺆﺷﺮ ﺇﻧﺘﺸﺎﺭ ﺑﻄﺎﻗﺎﺕ ﺍﻹﺋﺘﻤﺎﻥ CP ﻭﻣﺆﺷﺮ ﺇﻧﺘﺸﺎﺭ ﺑﻄﺎﻗﺎﺕ ﺍﻟﺨﺼﻢ DP "ﻣﺘﻐﻴﺮﺍﺕ ﻣﺴﺘﻘﻠﺔ، ﻭﺍﻟﻤﺆﺷﺮ ﺍﻟﺨﺎﺹ "ﺑﺈﻧﺘﺸﺎﺭ ﺍﻟﺤﺴﺎﺑﺎﺕ ﺍﻟﻤﺼﺮﻓﻴﺔ BP "ﻣﺘﻐﻴﺮ ﺗﺎﺑﻊ، ﻭﻣﻦ ﺃﻫﻢ ﻣﺎ ﺗﻮﺻﻠﺖ ﺇﻟﻴﻪ ﺍﻟﺪﺭﺍﺳﺔ ﻣﻦ ﻧﺘﺎﺋﺞ ﻫﻮ ﻭﺟﻮﺩ ﺃﺛﺮ ﻣﻌﻨﻮﻱ ﻣﻮﺟﺐ ﻟﻤﺆﺷﺮ ﺇﻧﺘﺸﺎﺭ ﺑﻄﺎﻗﺎﺕ ﺍﻟﺨﺼﻢ ﻭﺍﻟﺨﺪﻣﺎﺕ ﺍﻟﻤﺼﺮﻓﻴﺔ ﻋﺒﺮ ﺍﻷﻧﺘﺮﻧﺖ ﻋﻠﻰ ﺍﻟﺸﻤﻮﻝ ﺍﻟﻤﺎﻟﻲ ﻓﻲ ﺣﻴﻦ ﺃﻧﻪ ﻛﺎﻥ ﻫﻨﺎﻙ ﺃﺛﺮ ﺳﻠﺒﻲ ﻟﻤﺆﺷﺮ ﺇﻧﺘﺸﺎﺭ ﺑﻄﺎﻗﺎﺕ ﺍﻹﺋﺘﻤﺎﻥ ﻋﻠﻰ ﺗﻌﺰﻳﺰ ﺍﻟﺸﻤﻮﻝ ﺍﻟﻤﺎﻟﻲ ﻓﻲ ﺩﻭﻝ ﺍﻟﺸﺮﻕ ﺍﻷﻭﺳﻂ ﻭﺷﻤﺎﻝ ﺇﻓﺮﻳﻘﻴﺎ MENA ﺧﻼﻝ ﻓﺘﺮﺓ ﺍﻟﺪﺭﺍﺳﺔ

This study aims to clarify the extent to which financial technology contributes to enhancing financial inclusion in MENA countries (Middle East and North Africa) and Sub-Saharan Africa during the period 2010–2023. In order to answer the research question, the study adopted a descriptive and analytical approach within the framework of a comparative methodology. Data from the World Bank were used, relying on key indicators such as the spread of digital financial services, mobile money accounts, and the prevalence of various financial cards, in addition to the growth of digital payment systems. The study concluded that there is a strong link between the spread of digital services and financial inclusion, especially in the presence of factors such as internet access and mobile phone usage. The findings also highlighted the effectiveness of financial technology in enhancing financial inclusion in MENA and Sub-Saharan African countries during the study period