واقع التطور التكنولوجي للخدمات المصرفية الإليكترونية والشمول المالي في المصارف اليمنية

1 Al‑Asadi, N. A. (2024) The impact of electronic payment means on enhancing financial inclusion: An applied study in the Iraqi banking sector. Afro‑Asian Journal of Scientific Research, 2(1), 89–99.

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2 Yalees Chaouche, A., & Sid Amar, Z. (2023). Digital banking services and their role in enhancing financial inclusion in the Middle East and North Africa region. Journal of Economic Integration (Algeria), 11(2), 57-72. Retrieved from https://www.asjp.cerist.dz/en/article/220222

3 Kamel, Y., Saad; M.; & Faiza I. (2023). The effectiveness of electronic payment systems in enhancing financial inclusion: An analytical study on a sample of Iraqi banks. Journal of Sustainable Studies, 5(4), 1–24.

4 Kurdousi, M; Wasiya S., (2023). Financial technology as a means to enhance financial inclusion in the post‑COVID‑19 era. Journal of New Economy, 14(2), 356–374. https://doi.org/10.29141/2658-5081-2023-24-2-1 DOI: https://doi.org/10.29141/2658-5081-2023-24-2-1

5 Karim, H., M.; Mustafa S., Abdul‑Reda; & Qusay,. A., D. (2023). Financial technology innovations and their role in promoting the concept of financial inclusion in light of the COVID-19 pandemic: An exploratory study of a sample of customers of Egypt Bank and Al-Taif Islamic Bank in Baghdad. Warith Scientific Journal, Iraq, 5(5). https://doi.org/10.51520/2706-6207.1352

6 Najjar, H. (2023). Developing electronic banking services as a requirement to enhance financial inclusion: The case of Algeria. Journal of Finance and Business Economics, 7(4), 98–113. https://asjp.cerist.dz/en/article/239638

7 Al‑Awsh, A., Y. (2023). The extent of applying dimensions of financial inclusion in Yemeni banks: A field study on clients of Yemeni banks in Hadhramaut Governorate. University of Aden Journal of Humanities and Social Sciences, 4(4), 652-663. https://doi.org/10.48129/kadenhss.v4i4.2001

8 Mustafa., M. I.; Ibrahim., S. A.; & Hussein., A. S. (2022). The effect of offering electronic banking products on indicators of financial inclusion amid the COVID‑19 pandemic for the period 2010–2020. Al‑Tirath University College Journal, (34), 477–486. https://search.emarefa.net/detail/BIM-1407295

9 Abdul Salam., A. K., S; & Asim., H. M. (2022). The role of financial inclusion in enhancing the quality of electronic banking services in Sudanese banks. Journal of Economic, Administrative, and Legal Sciences, 6(22), 37–56. https://doi.org/10.26389/AJSRP.S100522 DOI: https://doi.org/10.26389/AJSRP.L090622

10 Hajila., M; & Ismail., T (2022). The contribution of electronic banking transactions to enhancing financial inclusion in Algeria. Algerian Journal of Economy and Finance, 9(1), 7–22. https://asjp.cerist.dz/en/article

11 Salah Al‑Din,. M., A.; Aysar., R., A., A. (2021). The impact of electronic banking services on indicators measuring financial inclusion: An analytical study in the Iraqi banking system. Dinar Journal, 1(21), 457–486. https://www.iasj.net

12 Al‑Khazraji., F. (2020). The extent of using electronic banking services and their impact on financial inclusion in Iraq. Journal of Baghdad College of Economic Sciences, 257–271. https://search.emarefa.net

13 Mustafa., S., Mohammed., M., J; & Haider., M,. K. (2020). The role of financial technology in promoting financial inclusion, Iraq. Warith Journal of Scientific Research, 2, 151–160. https://doi.org/10.5281/zenodo.4316934

14 Hamo., M; Zidan., M. (2016). Managing banking technology to improve banks’ competitiveness, with reference to Algerian banks. Academy for Social and Human Studies, (16), 85–96. https://www.asjp.cerist.dz

15 Harfoush, S. (2019). Financial technology: A promising industry in the Arab world. Afak Ilmiyya Journal, 11 (3) ، 724-744 https://asjp.cerist.dz/en/article/96371

16 Ramzi., T. (2023). Financial technology as a modern direction to improve electronic banking services – An analytical study of the UAE and Saudi Arabia experience with reference to the case of Algeria. Al‑Afāq for Economic Studies, 8(1), 530–551. DOI: https://doi.org/10.5281/zenodo.7611843

17 Al‑Jiyusi., S & Al‑Samid‘i., M. (2009). Marketing financial services Amman, Jordan: Dar Wael Publishing.

18 Ritesh R. (2024) The Evolution of Digital Banking: Impacts on Traditional Financial Institutions, International Journal of Progressive Research In Engineering Management And Science (Ljprems), 4(9), 753-763 https://www.doi.org/10.58257/IJPREMS33842

19 Al-Husseini, M., G, & Al-Shafaei, M., M. (2024). Digitalization of Banking Operations and Its Role in Enhancing Financial Inclusion: A Study of a Sample of Commercial Banks in Iraq for the Period 2017–2022. Al-Ghary Journal of Economic and Administrative Sciences, Vol. 20, Special Issue. 2129–2159, with reference to the Digital Banking Services Report (2023): The Role of social media in Banks https://www.digitalbankingreport.com DOI: https://doi.org/10.36325/ghjec.v20i00.17114

20 USAID. (n.d.). Modernizing Money in Yemen. https://www.usaid.gov/yemen/news/modernizing-money-yemen

[21] Central Bank of Yemen. (2024, April 27). Central Bank Governor calls for financial inclusion that enhances sustainable development. Retrieved from https://cby-ye.com/news/669

[22] International Growth Centre (IGC). (2023). Reforming Yemen's telecommunications sector: Policy options for improving private sector participation. Retrieved from https://www.theigc.org

[23] World Bank. (2023). Global Financial Inclusion Database (Global Findex) – Republic of Yemen Data. Retrieved from https://microdata.worldbank.org

[24] Ministry of Telecommunications and Information Technology. (2021). Telecommunications and Information Technology Indicators Report. Sana'a, Republic of Yemen. Retrieved from https://mtit.gov.ye

25 Al-Ajam, A. S., & Nor, K. M. (2013). Adoption of Internet Banking by Yemeni Consummers: An Empirical Investigation. Australian Journal of Basic and Applied Sciences2013, 7(2). 182-189. https://www.ajbasweb.com

26 Sana’a Center for Strategic Studies. (2022). Challenges and Prospects of Electronic Money and Payment Systems in Yemen. Sana’a, Yemen. https://sanaacenter.org

27 Arab Monetary Fund (AMF). (2015). Requirements for adopting a comprehensive national strategy to enhance financial inclusion in Arab countries. Regional Working Group on Financial Inclusion in Arab Countries, Abu Dhabi, UAE.

28 Arab Monetary Fund. (2020). Financial Inclusion (Targeted at the youth age group in the Arab world. Edited by Hanan Al-Tayyib. Abu Dhabi, United Arab Emirates: Arab Monetary Fund. https://www.amf.org.