إمكانية تبني منصات التمويل الإسلامي لتعزيز الشمول المالي في الجزائر من منظور الخبراء

Abstract

This study aimed to assess the possibility of adopting digital Islamic finance platforms in Algeria and to examine their role in promoting financial inclusion by analyzing the requirements for their success and the readiness of the regulatory, technological, and Sharia-compliant environment to support them. The study reached several findings, the most significant of which are that these platforms have promising potential to expand financial inclusion and that their success depends on the availability of advanced digital infrastructure, a clear regulatory framework, and effective Sharia governance. In addition, the religious identity of Algerian society was identified as a key factor encouraging their adoption. The study also proposed a number of recommendations, including the development of a national strategy for Islamic finance platforms, strengthening the legal and regulatory framework, improving digital infrastructure, building specialized competencies, and promoting digital and Islamic financial literacy.