بررسی نقش فناوری مالی (فین‌تک) اسلامی در تقابل با پس‌لرزه‌های کووید 19؛ نقش نوآوری اجتماعی باز نظام مالی اسلامی

نوع مقاله : ترجمه

نویسنده

گروه مالی و بانکداری، دانشکده حسابداری و مدیریت، دانشگاه علامه طباطبائی، تهران، ایران

چکیده

هدف از مطالعه حاضر، بررسی نقش نظام مالی اسلامی در بهبود شرایط پس از همه‌گیری کووید-۱۹ و نحوه کاربست فین‌تک برای مقابله با نوسانات اقتصادی ناشی از کووید-۱۹ است. بحران مالی جهانی سال ۲۰۰۸، اعتبار نظام مالی اسلامی را در جایگاه نظام مالی پایدار که می‌تواند منافع بلندمدت شهروندان عادی را در سراسر جهان حفظ کند و به اقتصاد واقعی ارزش ببخشد به اثبات رساند. اصول اخلاقی اساسی موجود در نظام مالی اسلامی، آن را برای مقابله با پس‌لرزه‌های اقتصادی بیماری همه‌گیری مانند کووید-19 مناسب‌تر و آماده‌تر می‌کند. اصول اساسیِ نظام مالیِ اسلامی، ارتباطات مستحکمی با ثبات مالی و مسئولیت اجتماعی شرکت‌ها در بافت کسب‌وکارها دارد. با ظهور فناوری مالی (فین‌تک)، انگیزه برای نظام مالی اسلامی فراهم شده است تا در زمینه‌ای برابر با همتای سنتی خود رقابت کند و شایستگی خود را به اثبات رساند. این پژوهش از تحلیل گفتمان و تحلیل محتوا برای استخراج محتوا و نتیجه‌گیری بهره می‌برد. یافته‌های این مطالعه نشان می‌دهد که همه‌گیری کووید-۱۹ فرصت رشد نوآوری اجتماعی و باز را فراهم کرده و دنیای مالی، برای ارائه راه‌حل سریع، به‌موقع، قابل‌اعتماد و پایدار، به نوآوری باز روی آورده است. یافته‌های این مطالعه کاربردهای قابل‌توجهی را برای دولت‌ها و سیاست‌گذاران در استفاده کارآمد از فین‌تک و خدمات مالی اسلامی نوآورانه برای مبارزه با پیامدهای اقتصادی همه‌گیری کووید-۱۹ ارائه می‌دهد.

کلیدواژه‌ها


عنوان مقاله [English]

Exploring the Role of Islamic Fintech in Combating the Aftershocks of COVID-19: The Open Social Innovation of the Islamic Financial System

نویسنده [English]

  • Shayan Rouhani Rad
Department of Finance and Banking, Faculty of Accounting and Management, Allameh Tabatabai University, Tehran, Iran
چکیده [English]

The purpose of the current study is to investigate the role of the Islamic financial system in recovery post-COVID-19 and the way Fintech can be utilized to combat the economic reverberations created by COVID-19. The global financial crisis of 2008 has established the credentials of the Islamic financial system as a sustainable financial system which can save the long run interests of the average citizens around the world while adding value to the real economy. The basic ethical tenets available in the Islamic financial system make it more suited and readymade to fight the economic aftershocks of a pandemic like COVID-19. The basic principles of ethical Islamic finance have solid connections to financial stability and corporate social responsibility within the wide-reaching business context. With the emergence of Financial technology (Fintech) it has provided a missing impetus to the Islamic financial system to compete on equal ground with its conventional counterpart and prove its mettle. The study uses discourse analysis along with the content analysis to extract content and draw a conclusion. The findings of the study indicate that COVID-19 pandemic has provided the opportunity for the social and open innovation to grow and finance world have turned to open innovation to provide a speedy, timely, reliable, and sustainable solution to the world. The findings of the study provide significant implications for governments and policy makers in efficient application of Fintech and innovative Islamic financial services to fight the economic consequences of the COVID-19 pandemic.

کلیدواژه‌ها [English]

  • Islamic banking
  • Islamic economics
  • open innovation
  • social finance
  • post COVID-19
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