دور الذكاء الاصطناعي في دعم الشمول المالي في إطار مؤسسات التكنولوجيا المالية

المؤلفون

  • مديحة صادق زمال المؤلف

DOI:

https://doi.org/10.59992/IJFAES.2025.v4n1p2

الكلمات المفتاحية:

البيانات الضخمة، شركات التكنولوجيا المالية، الشمول المالي

الملخص

تهدف هذه المقالة إلى دراسة وفهم مدى تأثير الذكاء الاصطناعي بشكل عام والبيانات الضخمة بشكل خاص على الشمول المالي في سياق شركات التكنولوجيا المالية. وباستخدام مراجعة الأدبيات المستندة إلى مقالات ذات قيمة علمية عالية وتأثير كبير على النقاش الأكاديمي في البحث حول هذا الموضوع، وجدنا أنه في سياق شركات التكنولوجيا المالية، تمثل البيانات الضخمة أداة رئيسية لتقسيم السوق بشكل صحيح وتقديم خدمات مالية أكثر تخصيصًا وأقل تكلفة من خلال تحليل أنشطة المستهلكين على مختلف المواقع على صفحات الإنترانت. كما أنها تساعد شركات التكنولوجيا المالية على تحليل بيانات معاملات العملاء ليس فقط لتقييم جدارتهم الائتمانية وموثوقيتهم كعملاء، ولكن أيضًا لتقديم منتجات وخدمات أكثر تخصيصًا وأقل تكلفة. كما يوفر استخدام تحليلات البيانات الضخمة الفرصة لمقدمي الخدمات المالية للوصول إلى قاعدة أكبر من المستفيدين الذين تم إقصائهم من قبل مقدمي الخدمات المالية التقليدية، مما يخلق نماذج اقتصادية أكثر كفاءة وفعالية. هذه التقنيات الحديثة التي تعتمد بالأساس على الذكاء الاصطناعي تساعد على تحسين تجربة العملاء وإدارة المخاطر والكفاءة التشغيلية، والتي بدورها تعزز الشمول المالي.

السيرة الشخصية للمؤلف

  • مديحة صادق زمال

    أستاذ مساعد، قسم الإدارة المالية، كلية الأعمال، جامعة الملك خالد، المملكة العربية السعودية

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التنزيلات

منشور

2025-01-15

إصدار

القسم

المقالات

كيفية الاقتباس

دور الذكاء الاصطناعي في دعم الشمول المالي في إطار مؤسسات التكنولوجيا المالية. (2025). المجلة الدولية للعلوم المالية والإدارية والاقتصادية, 4(1). https://doi.org/10.59992/IJFAES.2025.v4n1p2