Obstacles to Digitization in the Islamic Circle

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Dr. Hiyam Mohammed Al-Zidaneen, Hussam El. Din Ismail Abu Hilali, Dr. Omar Yacoub Abdelrahim


This research aims to define digitization and to show the extent of its importance and impact on all those who accompany it or turn a blind eye to it, the reasons for its existence and resort to it and the challenges and obstacles it faces before and during its application and to offer solutions to overcome these obstacles, and that it does not affect human resources but displaces the rubble of traditionalism and burdens Those who are on their backs and changing the priorities of the banks so that they work to pay attention to them and achieve profit in a balanced manner, and put some risks that surround them and threaten their continuity, and how to deal with those risks and develop internal and external solutions for them, and to show the extent of the flexibility of Sharia to accept everything new and dispense with every prohibited and even urge them to innovate, as a project The Union of Three Banks (Algo) Bahrain and Boubyan Bank are an example of this.

One of the most important findings of the research is that Islamic banks are the most capable and appropriate to implement and activate digitization because they rely on vital rooting that calls for development if there are cadres who believe in this and legislation that serves them.

One of the most important recommendations reached by the research is to activate the real role of Islamic banks by moving forward towards consolidating the Islamic economy by reaching segments that were inaccessible before digitalization and technology and moving away from the idea of mere profit.

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