دور التكنولوجيا المالية في تطوير الاقتصاد الرقمي في القطاع المصرفي اليمني (دراسة ميدانية على البنوك العاملة في أمانة العاصمة صنعاء)

Abstract

The study aimed to identify the role of financial technology in developing the digital economy in the Yemeni banking sector by assessing its dimensions, represented in infrastructure, financial innovations, and regulations and policies, and examining their impact on developing the dimensions of the digital economy, namely digital government and the digital citizen; The study also investigated the relationship and impact between the variables in banks operating in Sana’a City. The study adopted the descriptive-analytical approach, and a questionnaire was used to collect data from a sample of (148) employees out of a population of (271) employees. Data were analyzed using the Statistical Package for the Social Sciences (spss), relying on descriptive and inferential statistical methods, with a focus on linear regression and analysis of variance. The results showed a high level of application of financial technology and the digital economy, with a statistically significant positive impact of financial technology on the development of the digital economy; The study recommended enhancing digital infrastructure, supporting financial innovations, and updating regulatory frameworks.