دور الاقتصاد الرقمي في تعزيز وتنامي التمويل الإسلامي

Abstract

The importance of digital technology is evident in various aspects of life, including the economic aspect with its diverse exchange, production, consumption, and other applications. Economic activities today are no longer limited to the traditional pattern of exchanging goods or services for money within a limited geographical area in a specific country and its local economy. Instead, contracting and commercial exchange now encompass all goods and services in their various types, sizes, and forms, with the ability to ascertain their quality and specifications before concluding and finalizing contracts from one end of the world to the other. Each party can remain in their country and location without having to bear the burden of travel, its costs, and hardships. This is all thanks to the digital development the world is witnessing today, with the expansion of modern technology and its inclusion of all economic applications, especially exchange operations (buying and selling). These operations are no longer conducted in their traditional form involving actual selling and possession. Instead, reliance is placed on constructive possession in all digital electronic transactions currently in use, from offer and acceptance and what takes the place of a signature. Electronic commerce, which relies on the digital economy in dealing with currency in exchange for goods and services, is primarily conducted through computer screens, tablets, and smart applications in all its contemporary transactions, using electronic money, whether in the form of electronic currencies or credit cards. Many developed countries are moving towards digital transactions in their future dealings, as are institutions, companies, and even individuals. Hence the importance of my research on this topic, which will include defining digital finance, explaining the importance of this financing, especially in the Islamic economy, highlighting the advantages of digital finance, and the disadvantages and risks that occur within the digital economy, leading to conclusions and recommendations.