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تهدف هذه الورقة البحثية لإبراز أهمية مختبرات حماية التكنولوجيا المالية كبيئات مستحدثة لمرافقة المشاريع الريادية إلى حين تسويق منتجاتهم وخدماتهم الابتكارية إلى جانب تسليط الضوء على واقع تلك المختبرات في منطقة الشرق الأوسط وشمال إفريقيا. ولقد تمكنا من خلال دراستنا من استخلاص أنّ مختبرات الابتكار المالي تعد بديلا استراتيجيا لحماية التكنولوجيا المالية في مختلف دول العالم، وأنّ انتشارها في منطقة الشرق الأوسط وشمال إفريقيا يعد في بداياته، حيث قدّر عددها بـحوالي 10 مختبرات مع نهاية سنة 2020 متمركزة في كل من الإمارات العربية المتحدة، البحرين، السعودية، الكويت، الأردن، الجزائر، مصر وتونس، وفي هذا الاطار نجحت المختبرات السباقة للوجود في المنطقة في احتضان العديد من الأفكار الإبداعية كحلول مبتكرة في مجال الصناعة المالية وطرحها في الأسواق المستهدفة لاسيما في دول الخليج.

The Saudi Financial Technology (FinTech) industry, in recent years, has undergone a transformative evolution, heralding a new era of financial innovation. This paper provides an in-depth exploration of the journey, trajectory, and growth of the Saudi fintech sector. A comprehensive sectorial analysis sheds light on the dominant fintech fields, highlighting the leading fintech companies paving the way in the kingdom. To further delve into the experiential aspects of the industry, a quantitative research approach was adopted, capturing the lived experiences and challenges faced by fintech entrepreneurs in Saudi Arabia. A target sample of 400 entrepreneurs from diverse regions in Saudi Arabia was sought, and an impressive response rate of 92% was achieved, with 368 complete responses. Notably, among the myriad of challenges identified, \"Talent and Recruitment\" was discerned as a pivotal concern for the majority, closely trailed by issues related to \"Regulation\" and \"Access to Customers\". Interestingly, the \"Technology/Product Development\" facet wasn't as concerning as the aforementioned. Envisioning the future of the industry, we outline a forward-thinking trajectory and present a tailored set of solutions and recommendations to address the prevalent challenges, equipping stakeholders with strategic insights to navigate this dynamic industry landscape.

Objectives: The aim of study was to analyze the impact of perceived usefulness, perceived ease of use, and service quality on individuals' inclination to utilize the DANA financial technology application. Furthermore, the variable exerting the most dominant influence on the intention to use the DANA financial technology application was investigated. Methods: The data used were exclusively drawn from administration of a questionnaire on 100 respondents. Nonprobability and purposive sampling techniques were also employed. Data analysis included validity testing, reliability assessment, classic assumption verification, F-tests, t-tests, and the calculation of the coefficient of determination and multiple linear regression. Results: The results showed that all the independent variables analyzed, namely perceived usefulness, perceived ease of use and service quality, have a significant effect on interest in using financial technology applications. Conclusion: From these results, we suggest that the manager of DANA Financial Technology be more careful in implementing policies to increase interest in using the application so that the ease and comfort that users already feel can be maintained.

Since the 4th Industrial Revolution (4IR) digital technology has been playing an important role in economic growth leading to a continuous decline in the level of extreme poverty across the globe. While there are opportunities of using the digital revolution to promote inclusive growth, there are risks that technology could further escalate the worsening income distribution, and mitigating such risks will require establishing a sound digital infrastructure and providing digital education to all members of the society. The research adopts descriptive approach to deal with the prospect of digital technology in promoting inclusive growth and to scrutinize the features of digital economy, while it deploys critical approach to discuss the notion of inclusive growth and the ways in which the digital economy may contribute to it. Through the inductive and deductive approaches, the research analyses briefly the Islamic perspectives on digital economy, prior to conclude with the results such as the benefits of economic growth during the past century were mostly in favour of the higher income groups due to the way in which they were distributed among the factors of production and digital economy can potentially contribute to inclusive growth by breaking down some of the constraints in the traditional production process and by offering digital platforms for sharing economies and earning an income. The research proposes to carry out further inclusive innovations in the digital economy for proposing business models that may serve the economically and socially excluded.

Technology and financial technology (FinTech) have had an increasingly significant impact in all areas of business and commerce in recent years. Technology and FinTech can specifically bring substantial benefits in terms of efficiency, stability and security, as well as innovation, growth and prosperity despite corresponding risks and exposures. Difficult issues should also be considered to ensure that all relevant legal rights and entitlements are properly respected and protected. Many commentators have argued that computer code can replace law and supporting court systems over time although this has been questioned by others. It is arguable that technology will only work most effectively, where underlying legal rights are fully reflected and properly protected through appropriate code and software design and implementation. The purpose of this paper is to examine the nature of the relationship between computer code and law and technology in the specific area of Initial Coin Offerings (ICOs) which are used to raise funding and investment capital for digital coin and digital token development purposes. A number of different types of ICO can be identified and offer phases can be distinguished. These are priced and examined in the new emerging area of Tokenomics. Countries have developed different regulatory approaches to manage the inherent risks created or further exposures that emerge over time. All the relevant issues that arise are reviewed in this paper and provisional conclusions drawn with regard to the most appropriate legal and regulatory approach to be adopted in this exciting new area of technological, financial and social advance.

تبحث هذه الورقة في تأثير الذكاء الاصطناعي والمعرفة المالية على الشمول المالي في عينة من الدول العربية. وذلك بالاعتماد على طريقة المكون الرئيسي لإنشاء مؤشرات لها ارتباط مباشر مع الشمول المالي والقضاء على مشكل التعدد الخطي، ثم القيام باختبار الانحدار المتعدد القياس إذا ما كان الذكاء الاصطناعي والمعرفة المالية سيؤثران على الشمول المالي، باعتماد على بيانات مؤشر المعرفة العالمي وبيانات تقرير أكسفورد لاستعمال الذكاء الاصطناعي، بالإضافة إلى بيانات مؤشر الشمول المالي، أظهرت النتائج أن التعليم ومهارات اللغة الإنجليزية، هي قنوات رئيسية في المعرفة المالية العالية التي تؤدي إلى شمول مالي أوسع، علاوة على هذا توصلت كذلك إلى أن الذكاء الاصطناعي له تأثير كبير على وصول المنتجات المالية للأفراد.

تسلط هذه الدراسة الضوء على الدور المحوري لتكنولوجيا المالية في تحسين أداء بنك التنمية المحلية. وقد اتبعت الدراسة منهجاً وصفياً تحليلياً، معتمدة على أدوات جمع بيانات متنوعة، من بينها الاستبيانات، لتحليل دور التكنولوجيا المالية في هذا السياق وقد أظهر مدى أهمية هذه التكنولوجيا في تحسين وتطوير وتسهيل العمليات المصرفية كما تبين إنبنك التنمية المحلية، كحالة دراسية، التزاماً قوياً بتبني التكنولوجيا المالية وتطوير استراتيجيات متكاملة لإدارتها.