The relationship between indicators of financial digitization and levels of access to financial inclusion

an analytical study of a sample of Arab countries

Abstract

The research aims to shed light on the most important modern concepts about financial digitalization and their indicators and attempt to untangle some overlapping concepts and definitions within a studied problem and address digital contributions because they raise the level of access to higher limits of comprehensiveness and have helped in assisting with quarterly observations of a sample of Arab countries that included (Iraq, Egypt, Bahrain, Jordan, the Emirates, Libya, Saudi Arabia, Kuwait, Morocco, and Tunisia), the stepwise model was used after achieving stationary and drawing time periods for the explanatory and dependent variables It is the model of owning an account in a financial institution, the model of owning a credit card, and the last one is the wages received by a mobile phone. It then became clear that the first and second models were the most significant and that the third was completely insignificant, and that the digital payments received for those in the labor force are the most influential, but inversely, followed by It receive digital payments based on the income of the exponentially rich directly, the research reached a set of conclusions and proposals, perhaps the most important of which was the discrepancy in the moral and significant impact between the indicators explaining changes in the levels of access to financial inclusion and not concentrating them in one indicator and focusing on the financial and legal infrastructure for digitization and its future trends, as it is expected that indicators of fraud and abuse will rise. And the levels of financial crimes with the increase in digital transactions.