تحليل الشمول المالي في ظل التحول الرقمي

دراسة استطلاعية لعينة من الدول مع الإشارة للعراق

Abstract

The current research aims to shed light on a basic and vital concept in the banking financial world, which is financial inclusion as part of the access of financial services and products to all segments of society, regardless of their levels, especially after the financial crisis in 2007 and the exposure of groups of society to damage and loss of their jobs and the increase in the unemployment rate and other indicators that It is necessary to reconsider the policies of the global economy in how to deal with these crises, and to respond effectively to the world’s trends towards digital transformation in the concepts of financial inclusion (digital financial inclusion), which gained popularity, especially after the Corona pandemic 2019. Accordingly, a number of countries, whether foreign or Arab, that preceded Iraq in this field were reviewed, taking advantage of the published international reports and Iraq’s position in them in light of the financial stability reports prepared by the Central Bank of Iraq and for varying periods of time according to what is published in these reports and using the most important indicators that It corresponds to digital transformations in financial inclusion, such as electronic payment services (POC), (POS), (ATM), mobile payment, portfolio, accounts and electronic cards. Below the required level despite the directives of the Central Bank and in line with the increase in population growth of the country. The research recommended the need to view and benefit from the experiences of some countries in the concepts of digital financial inclusion, such as India’s experience in adopting the biometric identity project known as (Aadhaar), which is the largest national identity project in the world, through the biometric fingerprint, which contributed in a few months from the launch of the system and access to digital financial services for all segments of the population.