التكنولوجيا المالية في القطاع المصرفي وانعكاساتها على التنمية الاقتصادية الفلسطينية
Date
2022-12-17
Authors
نجوى شريف سليم ثابت
Najwa Sheref Salem Thabet
Journal Title
Journal ISSN
Volume Title
Publisher
Al-Quds University
Abstract
هدفت الدراسة إلى التعرف على التكنولوجيا المالية في القطاع المصرفي وانعكاساتها على التنمية الاقتصادية الفلسطينية. وقد استخدمت الباحثة المنهج الوصفي الذي تكون من أداتين دراسيتين، الأداة الأولى الاستبانة، وقد طبقت على مجتمع بلغ عدده "238" موظفاً من الدوائر الفنية، وتم أخذ عينة عشوائية بسيطة منه بلغت "147" موظفاً، حيث وزعت "160" استبانة على العينة لتجنب عدم استرداد العينة المطلوبة، وتم تحليل نتائجها فقاً لبرنامج (SPSS V.25)، أما الأداة الثانية فكانت عبارة عن مقابلات شخصية أجريت مع 10 مدراء وخبراء لاستكمال نتائج الدراسة.
كما وعمدت لاستخدام المنهج القياسي بدراستها من خلال أسلوب السلاسل الزمنية طبق على مجموعة بيانات تتعلق بمجموعة أدوات التكنولوجيا المالية من عام 2008 - 2022 وتم تحليل نتائجه وفقًا لبرنامج (E-veiws) .
وقد خلصت الباحثة لمجموعة من النتائج والتوصيات الآتية : وجود ضعف ملحوظ في الوعي المعرفي للجمهور فيما يتعلق بالتكنولوجيا المالية، بالإضافة لعدم وجود نص تشريعي مستقل للتكنولوجيا المالية، كما أكدت النتائج على وجود ضعف في البنية التحتية الفنية في القطاع المصرفي، ومحدودية مساهمة الحكومة الإلكترونية في دعم القطاع المصرفي لتقديم خدماته المصرفية لجميع المناطق السكانية الفقيرة والنائية، وأظهرت نتائج أن هناك أثراً ذا دلالة احصائية عند مستوى دلالة (0.05 ≥ α) لعدد بطاقات الائتمان في القطاع المصرفي على التنمية الاقتصادية الفلسطينية.
واختتمت الدراسة بمجموعة من التوصيات أهمها: ضرورة زيادة الوعي المعرفي لدى الجمهور بتطبيقات التكنولوجيا المالية، من خلال تفعيل أدوار جميع القطاعات المعنية بذلك سواء القطاع العام أو الخاص أو قطاع المجتمع المدني. وأوصت الدراسة بضرورة العمل على وجود قانون تشريعي منظم للتكنولوجيا المالية، كما هو الحال في الدول الأخرى وخاصة الدول العربية، مثل مصر والإمارات العربية المتحدة، وضرورة العمل على تحسين البنية التحتية الفنية في القطاع المصرفي من خلال تدريب كوادر مؤهلة قادرة على مواكبة البيئة التكنولوجية المعاصرة والتعامل معها ودعم هذا الهيكل بالأدوات والمعدات اللازمة، حيث ضرورة العمل بقيمة سلسلة متكاملة، ووجوب تفعيل وتنشيط دور الحكومة الإلكترونية في دعم القطاع المصرفي في مجال التكنولوجيا و تفعيل نظام البصمة والتوقيع الإلكتروني الذي يعد من أهم أدوات التكنولوجيا المالية، كما أوصت الدراسة بضرورة العمل على وجود نص قانوني تشريعي ينظم منصات التمويل الجماعي بشكل قانوني مع الأسس اللازمة لإنشاء هذه المنصات بشكل آمن.
The study aimed to shed light on financial technology in the banking sector and its repercussions on Palestinian economic development.The researcher used the descriptive approach, which consisted of two study tools, the first tool was the questionnaire, and it was applied to a community of "238" employees from the technical departments, and a simple random sample of "147" employees was taken from it, where "160" questionnaires were distributed to the sample to avoid The required sample was not retrieved, and its results were analyzed according to the (SPSS V.25) program. As for the second tool, it consisted of personal interviews conducted with 10 managers and experts to complete the results of the study. It also intended to use the standard approach to study it through the time series method, which was applied to a data set related to the set of financial technology tools from 2008-2022, and its results were analyzed according to the (E-veiws) program. A number of results were reached, the most important of which are: There is a noticeable weakness in the knowledge awareness of the public in terms of financial technology, In addition to The absence of an independent legislative text for financial technology, The results also confirmed the existence of a weakness in the technical infrastructure in the banking sector, And the limited role for the contribution of e-government in supporting the banking sector in order to provide its banking services to all poor and remote population areas. The results showed that there is a statistically significant effect at the level of significance (0.05 ≥ α) for the number of credit cards in the banking sector on the Palestinian economic development. The study concluded with a set of recommendations, the most important of which are: The necessity of increasing the knowledge awareness of the public in terms of financial technology applications, by activating the roles of all sectors concerned with this, whether the public sector, the private sector or the civil society sector, necessity of working on the existence of a regulating financial technology legislative law, as is the case in other countries, especially Arab countries such as Egypt and the United Arab Emirates, The need to work on improving the technical infrastructure in the banking sector through training qualified cadres that can cope and deal with the contemporary technological environment and to support this structure with the necessary tools and equipment, as the necessity of working with an integrated value chain, Activate and revitalize the role of e-government in supporting the banking sector in technology, Activating the fingerprint and electronic signature system, which is one of the most important financial technology tools, The necessity of working on the existence of a legislative legal text regulating crowdfunding platforms legally, with the necessary foundations for establishing such platforms in a secure manner.
The study aimed to shed light on financial technology in the banking sector and its repercussions on Palestinian economic development.The researcher used the descriptive approach, which consisted of two study tools, the first tool was the questionnaire, and it was applied to a community of "238" employees from the technical departments, and a simple random sample of "147" employees was taken from it, where "160" questionnaires were distributed to the sample to avoid The required sample was not retrieved, and its results were analyzed according to the (SPSS V.25) program. As for the second tool, it consisted of personal interviews conducted with 10 managers and experts to complete the results of the study. It also intended to use the standard approach to study it through the time series method, which was applied to a data set related to the set of financial technology tools from 2008-2022, and its results were analyzed according to the (E-veiws) program. A number of results were reached, the most important of which are: There is a noticeable weakness in the knowledge awareness of the public in terms of financial technology, In addition to The absence of an independent legislative text for financial technology, The results also confirmed the existence of a weakness in the technical infrastructure in the banking sector, And the limited role for the contribution of e-government in supporting the banking sector in order to provide its banking services to all poor and remote population areas. The results showed that there is a statistically significant effect at the level of significance (0.05 ≥ α) for the number of credit cards in the banking sector on the Palestinian economic development. The study concluded with a set of recommendations, the most important of which are: The necessity of increasing the knowledge awareness of the public in terms of financial technology applications, by activating the roles of all sectors concerned with this, whether the public sector, the private sector or the civil society sector, necessity of working on the existence of a regulating financial technology legislative law, as is the case in other countries, especially Arab countries such as Egypt and the United Arab Emirates, The need to work on improving the technical infrastructure in the banking sector through training qualified cadres that can cope and deal with the contemporary technological environment and to support this structure with the necessary tools and equipment, as the necessity of working with an integrated value chain, Activate and revitalize the role of e-government in supporting the banking sector in technology, Activating the fingerprint and electronic signature system, which is one of the most important financial technology tools, The necessity of working on the existence of a legislative legal text regulating crowdfunding platforms legally, with the necessary foundations for establishing such platforms in a secure manner.
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Citation
ثابت، نجوى شريف. (2022). التكنولوجيا المالية في القطاع المصرفي وانعكاساتها على التنمية الاقتصادية
الفلسطينية [رسالة ماجستير منشورة، جامعة القدس، فلسطين]. المستودع الرقمي لجامعة القدس. https://arab-
scholars.com/b4111e