استخدام مفهوم الانفتاح المصرفي لإحكام الرقابة وتنظيم المدفوعات الرقمية في الدول العربية
Corresponding Author(s) : د. شريف محسن عبد الفتاح شلتوت
مجلة القانون والتكنولوجيا ,
مجلد 3 عدد 2 (2023)
الملخص
أدى ظهور التكنولوجيا المالية إلى إحداث تحول ملحوظ في كيفية أداء الخدمات المصرفية، لتتجاوز الفكرة السائدة التي تتبنى فكرة أن البنوك هي المزود الوحيد للخدمات المالية. حيث إنه في الماضي، كان يُنظر إلى رواد الأعمال على أنهم معطلون للنماذج المصرفية التقليدية إلا أنه في الأونة الأخيرة أدركت البنوك قيمة التعاون مع شركات التكنولوجيا المالية لتوسيع نطاق المنتجات والخدمات المالية وسهولة الوصول إليها للعملاء. فقد أصبحت صناعة المدفوعات محط اهتمام البنوك وشركات التكنولوجيا المالية الناشئة، مع انتشار خيارات دفع جديدة، مثل الدفع عبر الهاتف المحمول.
فيمكن للبنوك من خلال الاستفادة من التقدم في مجال التكنولوجيا المالية تقديم حلول دفع متنوعة للعملاء دون الحاجة إلى تطويرها داخليًا. لذا تقوم هذه الدراسة على التعرف على المشهد التنظيمي الحالي لأنظمة الدفع، وتحديد ممارسات حوكمة المدفوعات الحالية، وتقديم توصيات لتعزيز بيئة الدفع الرقمي في الدول العربية مع معالجة المخاوف التنظيمية الرئيسية.
فقد بات من الضروري فهم العلاقة المتطورة بين البنوك وشركات التكنولوجيا المالية، بالإضافة إلى الاعتبارات التنظيمية المحيطة بالمدفوعات الرقمية، للمشاركين في الصناعة وصانعي السياسات والمنظمين. من خلال استكشاف هذه الموضوعات، تهدف هذه الدراسة إلى تقديم رؤى وإرشادات قيمة للتنقل في مشهد الدفع المتغير بشكل فعال وتعزيز نظام دفع رقمي قوي في الدول العربية.
من خلال هذا العرض، تهدف هذه الدراسة أيضا إلى تقديم إرشادات قيمة للدول العربية في تطوير نظام دفع رقمي قوي ومنظم، وتعزيز الشمول المالية بالإضافة إلى تشجيع الابتكار في المنطقة.
الكلمات المفتاحية
تنزيل الاقتباسات
Endnote/Zotero/Mendeley (RIS)BibTeX
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Impact of PSD2 on The Payment Services Market . (2021, Oct 26). Retrieved from sciendo: https://sciendo.com/article/10.2478/wrlae-2021-0008
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Theresa M. Weisenberger. (2022). Application Programming Interfaces (APIs). LexixNexis/ Practical Guidance , 3 4.
Thomsett, L. W. (2019). The Digital Banking Revolution . Deutche Nationalbibliografie. Retrieved from https://books.google.com.eg/books?hl=en&lr=&id=YDrEDwAAQBAJ&oi=fnd&pg=PR7&dq=The+financial+landscape+has+undergone+significant+transformations+throughout+history,+with+each+era+of+Fintech+bringing+unique+advancements+and+challenges.+Fintech+firms+have+had
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World Bank. (2022). The World Bank. Retrieved from Payment Systems: https://www.worldbank.org/en/topic/paymentsystemsremittances#:~:text=Payment%20%26%20settlement%20systems%20are%20mechanisms,and%20help%20expand%20financial%20inclusion
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