학술논문


EBSCO Discovery Service
발행년
-
(예 : 2010-2015)
전자자료 공정이용 안내

우리 대학 도서관에서 구독·제공하는 모든 전자자료(데이터베이스, 전자저널, 전자책 등)는 국내외 저작권법과 출판사와의 라이선스 계약에 따라 엄격하게 보호를 받고 있습니다.
전자자료의 비정상적 이용은 출판사로부터의 경고, 서비스 차단, 손해배상 청구 등 학교 전체에 심각한 불이익을 초래할 수 있으므로, 아래의 공정이용 지침을 반드시 준수해 주시기 바랍니다.

공정이용 지침
  • 전자자료는 개인의 학습·교육·연구 목적의 비영리적 사용에 한하여 이용할 수 있습니다.
  • 합리적인 수준의 다운로드 및 출력만 허용됩니다. (일반적으로 동일 PC에서 동일 출판사의 논문을 1일 30건 이하 다운로드할 것을 권장하며, 출판사별 기준에 따라 다를 수 있습니다.)
  • 출판사에서 제공한 논문의 URL을 수업 관련 웹사이트에 게재할 수 있으나, 출판사 원문 파일 자체를 복제·배포해서는 안 됩니다.
  • 본인의 ID/PW를 타인에게 제공하지 말고, 도용되지 않도록 철저히 관리해 주시기 바랍니다.
불공정 이용 사례
  • 전자적·기계적 수단(다운로딩 프로그램, 웹 크롤러, 로봇, 매크로, RPA 등)을 이용한 대량 다운로드
  • 동일 컴퓨터 또는 동일 IP에서 단시간 내 다수의 원문을 집중적으로 다운로드하거나, 전권(whole issue) 다운로드
  • 저장·출력한 자료를 타인에게 배포하거나 개인 블로그·웹하드 등에 업로드
  • 상업적·영리적 목적으로 자료를 전송·복제·활용
  • ID/PW를 타인에게 양도하거나 타인 계정을 도용하여 이용
  • EndNote, Mendeley 등 서지관리 프로그램의 Find Full Text 기능을 이용한 대량 다운로드
  • 출판사 콘텐츠를 생성형 AI 시스템에서 활용하는 행위(업로드, 개발, 학습, 프로그래밍, 개선 또는 강화 등)
위반 시 제재
  • 출판사에 의한 해당 IP 또는 기관 전체 접속 차단
  • 출판사 배상 요구 시 위반자 개인이 배상 책임 부담
'학술논문' 에서 검색결과 13,853건 | 목록 1~20
Development of islamic finance in the digital economy through financial technologies: STARS International University 239 Abstract: In the article, you can see the role and importance of developing Islamic finance in the digital economy through financial technologies. The characteristics of new financial instruments in the Islamic financial system, their connection with modern financial technologies, their place in the world financial market, and efficiency indicators were analyzed. The level and share of the use of financial technologies of the Islamic bank in the digital economy are studied and analyzed by the countries of the world. The results of Islamic finance in the digital economy and the results in several directions were achieved, and which areas of the financial system of our country can be used more effectively were analyzed. Keywords: digital economy, Islamic finance, financial technology, digital technology, artificial intelligence, Islamic financial technology, modern technology. Introduction. Today, the digital economy is based on software solutions for issues arising in the market and social relations. First of all, we can count the sectors with a high dependence on the Internet: transport, trade, logistics, etc. For this reason, it can also be called “electronic economy”, “software economy” and “API economy”. The term “digital economy” was first used in 1995 by Don Tapscott. It is used as a separate concept in the publication “Digital Economy: Promise and Peril in the Age of Networked Intelligence”. This publication highlights fundamental innovations, key technologies, and connecting infrastructures as key components of the digital economy. FinTech has garnered an increasing amount of interest in recent years. Banks and financial institutions are taking steps to catch up with the digital and FinTech wave. At the outset, the new trends that are emerging in financial communities, such as digital banking, have been challenging the hegemony of the incumbent banks whose business model has remained constant over several years despite the changing industry landscape. Simultaneously, AI (Artificial Intelligence) is key to the future of digital banking, and more importantly, ethics in AI application is a recurring theme in the literature. Likewise, microfinancing, through the use of FinTech technologies, has opened up the banking sector to NILUFAR ALIQULOVA Teacher of the “Stars international university”aliqulova95@bk.ru DEVELOPMENT OF ISLAMIC FINANCE IN THE DIGITAL ECONOMY THROUGH FINANCIAL TECHNOLOGIES https://doi.org/10.47689/STARS.univer-s i t y - 5 - p p 2 3 7 - 2 4 0 «Yangi O‘zbekiston: Moliyaviy hisobotning xalqaro standartlarini joriy etishda muvaffaqiyatli xalqaro tajriba» 16 dekabr, 2022 yil. 240 an entirely neglected part of the business sector. Recently due to the COVID-19 pandemic, digital finance has garnered much support from users in GCC and beyond and FinTech will further drive the digital transformation of the financial services industry 1 . Results. Technologically, the digital economy can be divided into 4 areas: mobile technologies, business analytics, “cloud” technologies, and social media. Also, the creation and improvement of various platforms for ordering services, joint use of resources, sorting of counterparties, electronic trade, payments, and other purposes will accelerate 2 . According to the ledgers, the digital economy has a significant impact on more than half of the various industries. According to the World Bank, a 10% increase in the number of high-speed Internet users can increase annual GDP growth by 0.4-1.4%52 3 . In recent years, the growth of Internet speed and usage has been accelerating. Global Internet traffic alone was 100 Gb/s in 2002, reached 46,000 Gb by 2017, and is projected to increase to 150,700 Gb by 2022. The main factors of the transition of socio-economic development to the trajectory of the digital economy are as follows: - implementation of the electronic government concept;- the creation of the concept of a “digital city” based on comprehensive informatization of transport, housing, and other areas; - popularization of new technological products on the market (such as driverless cars); - wide use of 3D printers;- the large-scale production of construction and finishing products for smart and environmentally friendly houses; - increase in demand for innovative pharmaceutical products intended for human rejuvenation; - increase in outsourcing and one-time alternative and free-form employment (freelance services); - the creation of a large number of professional networks to advertise the orders of employers 4 . Islamic finance is one segment of the finance industry that offers a lot of potential for digital transformation due to the tremendous number of opportunities available for Islamic finance institutions (IFIs) to embark on to achieve multiple strategic objectives. With the help of digitalization, IFIs can achieve financial inclusion, offer customer-oriented financial services, and operational excellence and gain a competitive advantage over their peers. Crowdfunding, peer-to-peer model and payment platforms, smart contracts and blockchain, cryptocurrencies, cybersecurity, and so on are among a few emerging channels of digital transformation that could be utilized in the Islamic finance industry. Even though Islamic banks are at par with their conventional counterpart when it comes to technological development, the Shariah aspect of the financial transaction can 1 Nafis Alam, Syed Nazim Ali. Fintech, Digital Currency and the Future of Islamic Finance. Gulf Research Centre Caml- bridge 2021. – p1. 2 Паньшин Б. Цифровая экономика: особенности и тенденции развития // Наука и инновации. 2016. Т. 3. № 157. С. 18. 3 Савина Т.Н. Цифровая экономика как новая парадигма развития: вызовы, возможности и перспективы // Фи- нансы и кредит. — 2018. — Т. 24, № 3. — С. 584. 4 Паньшин Б. Цифровая экономика: особенности и тенденции развития // Наука и инновации. 2016. Т. 3. № 157. С. 18. STARS International University 241 be a hurdle to digitalizing the process. Knowhow about the blockchain or the permissibility of cryptocurrency can deter the adoption of Fintech within the Islamic finance industry 1 . In Islamic fintech, risk-sharing opportunities are being created through innovative startups for those who want to invest based on Islamic principles. Digital banks (virtual banks) can be cited as an example. Islamic fintech platforms must fully comply with the principles of Islamic finance such as asset-based, interest-free, and risk-sharing. It should also be free of asymmetric information, fraud, and mistrust between participants and counterparties. The use of smart contracts in the open database of calculations (blockchain) serves to increase the efficiency and transparency of fintech companies. Similarly, takaful will ease the processing of insurance claims through IoT platforms. By applying blockchain technologies in waqf (scholarly endowment), great achievements can be made. It can also be noted that Islamic fintech solutions for crowdfunding provide the opportunity to provide financial resources to large social projects that are usually not financed by traditional banks. There are an increasing number of countries that are seeing Islamic Fintech activity or are well-placed to facilitate such activity. As such, a clear need exists for a relative comparison of each country, and this report presents the only Global Islamic Fintech (GIFT) Index. This Index represents which countries are most conducive to the growth of the Islamic Fintech Market & Ecosystem in their jurisdictions. Generally, the introduction of the internet, e-commerce, mobile network, and smart devices has greatly contributed to changing the shape of monetary and financial services. However, the inception of Bitcoin, and other crypto-assets, has been among the greatest influencers and strongest catalysts for disruption. Although the crypto-asset class, like Bitcoin, is still at its infancy stage; experts have already regarded its impact and effect as the beginning of a new technological revolution, particularly relevant to the financial services sector. Money has a history of transformation through several items; shells, wheels, beads, and even cows. Broadly, commodity money was made of a substance that had its own value such as gold and silver coins, unlike representative money which is a certificate or a debit receipt. While fiat currency does not have intrinsic usage or benefit and does not represent an underlying asset in a vault somewhere. Money has indeed already recorded a significant transformation. Today, digital money in the form of virtual currency as represented by Bitcoin and other currency tokens is another significant milestone in the transformation of money. While the value of fiat currency comes from being recognized as legal tender by the government of the issuing country which then leads to its acceptance by the people, Bitcoin’s value emanates from the recognition of stakeholders in the participating community. In other words, it is derived from the general people’s trust in the system and the economic principle of demand and supply of Bitcoin. According to Ifnfintech, a Malaysian publication that covers and analyzes fintech in Islamic finance, there is 122 Islamic fintech operating as of April 2020. This data is regularly updated and in March it recorded 148. A dramatic change occurred 1 Nafis Alam, Syed Nazim Ali. Fintech, Digital Currency and the Future of Islamic Finance. Gulf Research Centre Caml- bridge 2021. – p:5-6. «Yangi O‘zbekiston: Moliyaviy hisobotning xalqaro standartlarini joriy etishda muvaffaqiyatli xalqaro tajriba» 16 dekabr, 2022 yil. 242 due to the fact that the March IT technology and infrastructure group was not included in April. The publication categorizes Islamic fintech companies into more than ten groups as follows: - alternative financing;- digital bank;- blockchain and cryptocurrencies;- data analysis;- takaful- incubator, venture fund, and suppliers;- personal financial management;- P2P financing;- crowdfunding;- roboconsulting;- trade and investment;- payment, transfers, and forex. Conclusion. As Islamic finance is a new field, there is a high demand for fintech in all its areas. Through fintech, Islamic financial services will reach unreached sections of society and untapped potential will be tapped. As with any industry, there are several obstacles to the development of Islamic fintech, and the sooner they are resolved, the more economic results will be achieved. For the development of Islamic fintech, it is important to overcome the following obstacles and challenges: - regulatory and legal documents. The existence of certain legal documents for the creation and introduction of innovations for businesses to protect them from legal negative consequences. - financial support. The vision of fintech platforms is to provide funding from investors such as venture funds and business angels for high-risk innovative ideas. - staff training. Unlike traditional fintech, staff needs to have a good understanding of both Sharia and financial issues. - flexibility. In recent centuries, in the era of very fast-changing technologies, it is important to adapt to the market conjuncture immediately. As well as reducing the role of technology in making Islamic finance unable to compete with conventional finance. - entrepreneurial skills and determination. Creating an equally necessary business environment for all sectors of fast-changing finance is a new trend. Literature cited/bibliography: 1.Nafis Alam, Syed Nazim Ali. Fintech, Digital Currency and the Future of Islamic Finance. Gulf Research Centre Cambridge 2021. 2.Паньшин Б. Цифровая экономика: особенности и тенденции развития // Наука и инновации. 2016. Т. 3. № 157. 3.Савина Т.Н. Цифровая экономика как новая парадигма развития: вызовы, возможности и перспективы // Финансы и кредит. — 2018. — Т. 24, № 3. — С. 584. 4.Аброров Сирожиддин Зухриддин ўғли. Ўзбекстонда рақамли иқтисоди- ётни шакллантириш шароитида сукукларни жорий этиш истиқболлари. Мо-нография. ТОШКЕНТ–2020
Academic Journal
Новый Узбекистан: успешный международный опыт внедрения международных стандартов финансовой отчетности. 1:239-242
Conference
2025 IEEE 37th International Conference on Tools with Artificial Intelligence (ICTAI) ICTAI Tools with Artificial Intelligence (ICTAI), 2025 IEEE 37th International Conference on. :1420-1427 Nov, 2025
Conference
2025 International Conference on Emerging Technologies in Electronics, Computing, and Communication (ICETECC) Emerging Technologies in Electronics, Computing, and Communication (ICETECC), 2025 International Conference on. :1-6 Apr, 2025
Conference
2024 International Conference on Computational Intelligence and Network Systems (CINS) Computational Intelligence and Network Systems (CINS), 2024 International Conference on. :1-6 Nov, 2024
Conference
Proceedings of the 3rd International Conference on Computing Advancements. :443-451
검색 결과 제한하기
제한된 항목
[검색어] ALAM, SYED
발행연도 제한
-
학술DB(Database Provider)
저널명(출판물, Title)
출판사(Publisher)
자료유형(Source Type)
주제어
언어