金融科技和伊斯兰保险:沙特背景

Q4 Multidisciplinary
O. Altwijry, M. Mohammed, A. Alshammari
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引用次数: 0

摘要

本研究调查了金融科技(FinTech)在伊斯兰保险行业(也称为回教保险行业)的应用情况,以及其面临的挑战和前景。本研究采用定性方法,采访了来自沙特阿拉伯金融科技和伊斯兰保险行业高层管理和决策职位的9位专家。收集的数据根据七个主题进行记录、转录、编码和分析。初步发现表明,金融科技在伊斯兰保险业的应用已经渗透到核心部门,如索赔管理、销售、精算、风险评估和数据库管理。然而,它需要扩展到健康和人寿保险部门。此外,金融科技还促进了创新,吸引了优质人才,提高了效率,促进了灵活的工作环境。该研究的影响包括需要一个独立于沙特中央银行(SAMA)的伊斯兰教和保险监管机构,以加速金融科技的采用。通过云服务将数据集中在一个地方是必要的,沙特阿拉伯的高层管理人员和政策制定者应该制定战略,进一步在伊斯兰保险业采用金融科技。本研究是关于沙特阿拉伯伊斯兰保险业采用尖端金融科技的开创性实证工作。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial Technology and Islamic Insurance: The Saudi Context
This study investigates the adoption of financial technology (FinTech) in the Islamic insurance industry, also known as the Takaful industry, as well as its challenges and prospects. A qualitative method was employed, comprising interviews with nine experts from top senior management and policy-making positions in Saudi Arabia's FinTech and Islamic insurance sectors. The data collected were recorded, transcribed, coded and analysed based on seven themes. The primary findings indicate that FinTech adoption in the Islamic insurance industry has penetrated core departments such as claim management, sales, actuarial, risk assessment and database management. However, it requires expansion into health and life insurance departments. Additionally, FinTech has fostered innovation, attracted quality talent, enhanced efficiency and facilitated flexible working environments. The study's implications include the need for a separate Takaful and insurance regulatory body distinct from the Saudi Central Bank (SAMA) to accelerate FinTech adoption. Centralising data in one location through cloud services is necessary, and top management and policymakers in Saudi Arabia should devise strategies to further the adoption of FinTech in the Islamic insurance industry. This research is a pioneering empirical work on cutting-edge FinTech adoption in the Islamic insurance industry in Saudi Arabia.
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来源期刊
Scientific Journal of King Faisal University
Scientific Journal of King Faisal University Multidisciplinary-Multidisciplinary
CiteScore
0.60
自引率
0.00%
发文量
0
期刊介绍: The scientific Journal of King Faisal University is a biannual refereed scientific journal issued under the guidance of the University Scientific Council. The journal also publishes special and supplementary issues when needed. The first volume was published on 1420H-2000G. The journal publishes two separate issues: Humanities and Management Sciences issue, classified in the Arab Impact Factor index, and Basic and Applied Sciences issue, on June and December, and indexed in (C​ABI) and (SCOPUS) international databases.
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