2023-12-06 11:14:30
The digitalization of finance is an inevitable operation, which transforms the daily lives of businesses and populations. Technological innovations such as blockchain, artificial intelligence and the management of large volumes of data (big data) indeed offer unprecedented opportunities. They help improve the efficiency, speed and security of financial transactions. This transformation must be done in compliance with the security and protection of users’ personal data. A vast project for the years to come… And this is only the beginning.
The digital era has profoundly changed the various departments of companies. Financial institutions, in this case, have understood the importance of digitalization. However, they find themselves faced with an important project and the determination of the role they have to play in changing uses. Thanks to digitalization, it becomes possible to process massive quantities of complex data, to transform it into useful information for decision-making.
How can digitalization support financial inclusion in Tunisia? With the evolution of the immaterial era, digitalization is positioning itself as a lever for change. It supports a new form of inclusion that recreates the parameters of trust by facilitating easy access to information and public services and the possibility of citizen interaction. This digitalization also affects relations with citizens, banks, businesses and various public institutions (taxation, social security, etc.) by giving a new framework to this process of financial inclusion, which is highly sought after in Tunisia.
According to studies conducted by the World Bank, half of the world’s population does not have access to any formal financial services. Financial inclusion aims to provide access to all individuals—including low-income people—and businesses to a full range of financial products and services adapted to their needs.
In recent years, the development of digital technologies, and especially those dedicated to financial services, has had a considerable impact on traditional finance. Mobile technology has become the first gateway to financial services. Numerous studies show that digital finance services constitute the most effective way to provide fast, cheap and secure access to banking services: mobile money, crowdfunding platforms, crowdlending, cross-border fund transfers, etc. Fintech offer immense opportunities to strengthen financial inclusion and economic and social development in many countries.
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