التكنولوجيا المالية - مفهوم، تطور، مخاطر.

This research aims to discuss the concept of financial technology, as the world has witnessed a technological revolution that has affected all sectors, including the financial sector. This contributed to the production of a range of financial products that led to the development of the banking industry, until this technology became an integral part of human life, and banks began to benefit from this technology. The research relied on the descriptive approach and its main tools such as description, observation, induction and analysis, and this methodology required dividing it into three sections, the first discussed the emergence of the term financial technology and its concept, the second talked about the development of financial technology mechanisms due to the characteristics of financial innovations and their use to provide advanced banking services to customers, while the third topic discussed the challenges and expected risks that hinder financial technology. The research concluded with results that confirmed the role of financial technology in the development of banking services and that it is an inevitable result of the information revolution. [ABSTRACT FROM AUTHOR]