International Journal of Accounting and Management Sciences (IJAMS)
DOI https://www.doi.org/10.56830/IJAMSSI202604
Author
Abdelrahman Ali
Michael Magdy Khalil
Martin Louka
Menna Ashraf
Wael Helmy
Youssef Omar
Yousef Rashidy
Farid Moharam Algarhy
Abstract
Financial Technology (FinTech) has emerged as one of the most transformative forces reshaping the lobal financial services industry. Over the past two decades, rapid advancements in digital technologies—including artificial intelligence (AI), blockchain, cloud computing, big data analytics, and open banking architectures—have disrupted traditional banking models and democratized access to financial services.
This study examines the global evolution of FinTech and provides an in-depth analysis of Egypt’s FinTech landscape within regional (MENA and Africa) and global contexts.
Using a qualitative analytical methodology supported by secondary data from international financial institutions, policy reports, and industry publications, the research explores ecosystem development, regulatory dynamics, financial inclusion progress, investment trends, and structural challenges.
The study employs SWOT and PESTLE analytical frameworks to evaluate Egypt’s strategic positioning. Findings indicate that while Egypt has achieved significant growth in financial inclusion and startup expansion, structural bottlenecks—particularly regulatory fragmentation, macroeconomic volatility, and talent shortages—limit ecosystem scalability. The paper concludes with policy and strategic recommendations aimed at positioning Egypt as a resilient and competitive FinTech hub in the Global South.
Keywords: Financial Technology, FinTech, Egypt, Financial Inclusion, Digital Finance, Regulation, MENA, Innovation Ecosystems
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