دور التمويل الرقمي في تعزيز التنمية الاقتصادية

Abstract

Through this research, we aim to demonstrate the importance of digital finance and its role in promoting economic development in Saudi Arabia, Kuwait and Algeria, through its various technologies that lead to better and faster access to finance and new options for financial transactions.Through research, we found that digital finance through ATM machine, points of sale and the Saudi Fast Money Transfer System plays an important role in facilitating business operations and improving efficiency in the performance of the economy. the average contribution of digital finance in Saudi Arabia is about 40% of GDP, which is relatively high, reflecting a significant shift in the method of financing, It contributes a small proportion to Kuwait's GDP )5.90(as a result of the lack of diversification and development of its tools and this requires further promotion and development of digital finance, improvement of digital infrastructure and promotion of awareness and financial and digital education, The average contribution of digital finance to Algeria's GDP was estimated at 0.5% in view of the lack of diversification and evolution of its techniques, as well as the fact that the digital finance sector is still in its early stages and is not sufficiently adopted by dealers.Through this research, we recommend the evelopment of digital infrastructure in the Arab States in order to make the most of the gains of digital finance, especially in financing economic sectors and promoting economic development.