تأثير التحول الرقمي على إدارة المخاطر في البنوك الإسلامية

Abstract

This study aims to analyze the impact of digital transformation on risk management in Algerian Islamic banks through a case study of both Al Salam Bank Algeria and Al Baraka Bank Algeria. The study examined the reality of digital transformation, its fields of application, and its associated risks. It also highlighted the role of financial technology (FinTech), artificial intelligence, and big data in developing digital banking services and improving the management of both traditional and digital risks. The case study approach was adopted, using interviews as a tool for collecting empirical data, in addition to analyzing data from the annual reports of the two banks, as well as employing the results of the global survey of Islamic bankers related to the Islamic banking risk index. The study concluded that digital transformation has contributed to improving the efficiency of banking operations, reducing operational risks, and strengthening digital monitoring and auditing. At the same time, new digital challenges have emerged, particularly those related to cybersecurity, financial technology, big data, and the level of responsiveness and digital trust. The findings also revealed that both banks rely on a centralized digital risk management system and have expanded their use of digital services and digital platforms.