دور الصناعة الخامسة في أداء البنوك الإسلاميّة الأردنية
DOI:
https://doi.org/10.59992/IJFAES.2025.v4n4p13الكلمات المفتاحية:
الصناعة الخامسة، التحوّل الرقمي، الذَّكاء الاصطناعي، البلوكتشين، البيانات الضخمةالملخص
هدفت الدّراسة التعرّف إلى مفهوم الثورة الصناعيّة الخامسة، ودور أبعادها في التأثير على أداء البنوك الإسلاميّة الأردنيّة بالتزامن مع التقدّم التكنولوجي والتوجّه العالمي نحو الرّقمنة، حيث سَلّطت الدّراسة الضوءَ على التغيّرات التي تحدثها الصناعة الخامسة في القطاع المصرفي على مُجْريات العمل والعمليات المصرفيّة، وأسهمت في إثراء الأدب النظريّ حول دور الصناعة الخامسة وكل بُعد من أبعادها في أداء البنوك الإسلاميّة الأردنيّة؛ حيث استخدمت الدّراسة المنهج الكميّ التحليليّ؛ وقد تكوّن مجتمع الدراسة من موظفي البنوك الإسلاميّة، حيث أظهرت نتائج الدّراسة أن الثورة الصناعيّة الخامسة لها تأثير إيجابيّ كبير في أداء البنوك الإسلاميّة الأردنيّة؛ حيث ساهمت التكنولوجيا الحديثة في تحسين الكفاءة التشغيليّة؛ من خلال خفض التكاليف، وتسريع المعاملات، وتقليل الأخطاء البشريّة. كما أدت إلى تطوير المُنْتجات والخدمات الماليّة، حيث تم ابتكار حُلول رقميّةٍ متوافقةٍ مع الشّريعة الإسلاميّة، مما عزّز الشمول الماليّ ورضا العملاء، وفي الختام، توصي الدّراسة بأهميّة تبني البنوك الإسلاميّة لتقنيات الثورة الصناعيّة الخامسة لتحسين أدائها وضمان استمراريتها، مع مراعاة التوازن بين الابتكار والامتثال للضوابط الشرعيّة.
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