SWOT Analysis of Î-FinTech

Yıl 2022, Cilt: 1 Sayı: 1, 27 - 43, 25.02.2022

Kaleem Alam

Öz

Financial Technology (FinTech) has become a buzz word in contemporary parlance due to advances in internet related technologies. This paper aims to study and analyze FinTech’s (includes Islamic FinTech - Î-FinTech) strengths, weaknesses, opportunities and threats (SWOT). It also tries to present the challenges FinTech may face with TechFin in the future. The paper presents the problem of unbanked population and the opportunity that the unbanked population throws at FinTech firms. The paper discusses the issues of i-FinTech and importance of Shariah compliance with a role that OIC can play in ensuring the protection of i-FinTech depositors and investors. The paper throws light at growth and penetration of internet over the period of nine years. It also studies the investment in FinTech from 2014 to 2020 and specifically in cyber security in the same period. The paper recommends OIC to step in with International Islamic Fiqh Academy (IIFA) and The Statistical, Economic and Social Research and Training Centre for Islamic Countries (SESRIC) to protect Investors and strengthen trust in i-FinTechs.

Anahtar Kelimeler

Fintech, SWOT, Unbanked, Cyber Security, OIC, Techfin

Î-FinTech'in SWOT Analizi

Öz

Finansal Teknolojiler (FinTech), internetle ilgili teknolojilerdeki gelişmeler nedeniyle çağdaş dilde moda sözcük haline gelmiştir. Bu makale FinTech’in (İslami FinTech veya Î-FinTech’in) güçlü ve zayıf yönleri, fırsatları ve tehditlerini (SWOT) incelemeyi ve analiz etmeyi amaçlamaktadır. Ayrıca FinTech’in gelecekte TechFin ile karşılaşabileceği zorlukları sunmaya çalışmaktadır. Makale, banka hesabı olmayan nüfusun sorunlarını ve banka hesabı olmayan nüfusun FinTech firmalarına sunduğu fırsatları da ele almaktadır. Ayrıca çalışma, i-FinTech konularını ve İslam İşbirliği Teşkilatı (İİT) i-FinTech mudilerinin ve yatırımcılarının korunmasını sağlamada oynayabileceği bir rolle Şeri uyumluluğunun önemini tartışmaktadır. Makale, dokuz yıllık süre boyunca internetin büyümesine ve yaygınlaşmasına ışık tutuyor. Ayrıca 2014’ten 2020’ye kadar FinTech’e ve aynı dönemde özellikle siber güvenliğe yapılan yatırımı da incelemektedir. Makale, İİT’nin yatırımcıları korumak ve i-FinTech’lere olan güveni güçlendirmek için Uluslararası İslam Fıkıh Akademisi (IIFA) ve İslam Ülkeleri İstatistik, Ekonomik ve Sosyal Araştırma ve Eğitim Merkezi (SESRIC) ile iş birliği içinde olmasını
tavsiye ediyor.

Anahtar Kelimeler

Fintek, SWOT, Bankada hesabı bulunmayan, Siber güvenlik, OIC, Tekfin

Kaynakça

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