الخلاصة:
تهدﻑ ﻫﺬﻩ ﺍﻟﺪﺭﺍﺳﺔ ﺇلىﺇﺑﺮﺍﺯ ﻣﺪﻯ ﻣﺴﺎهمﺔ ﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ في تحﺴين ﺃﺩﺍﺀ ﺍﻟﺒﻨﻮﻙ، ﻭﻗﺪ تم ﺍﻻﻋﺘﻤﺎﺩ
ﻋﻠﻰ ﺩﺭﺍﺳﺔ ﻭﺻﻔﻴﺔ تحليلية تم ﺇﻟﻘﺎﺀﺍﻟﻀﻮﺀ ﻓﻴﻬﺎ ﻋﻠﻰﻣﻔﻬﻮﻡ ﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ ﻭﺇﺑﺮﺍﺯ ﺩﻭﺭﻩ ﻭﺃهمﻴﺘﻪ ﻋﻠﻰ
المؤسسات المالية المصارف ﺑﺼﻔﺔ ﺧﺎﺻﺔﻋﻦ ﻃﺮﻳﻖ ﺗﻘﺪيم ﺧﺪﻣﺎﺕ ﺫﺍﺕ ﺃﺩﺍﺀ ﻣﺘﻤﻴﺰ في ﻭﻗﺖ ﺃﻗﻞ
ﻭﺑﺘﻜﻠﻔﺔ ﻣﻨﺨﻔﻀﺔ ﺑﺎﻹﺿﺎﻓﺔ ﺇلىتحﻘﻴﻖ ﺍﻟﺮبحﻴﺔﻭﺯﻳﺎﺩﺓ ﺍلمﻨﺎﻓﺴﺔ،ﻛﻤﺎتم ﺍﻟﺘﻄﺮﻕ ﻛﺬﻟﻚ ﺇلىتجﺮﺑﺔ ﺍﻟﺒﻨﻚ
ﺍلمﺮﻛﺰﻱ ﺍلمﺼﺮﻱ في ﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ.
ﻭﻗﺪ ﺗﻮﺻﻠﺖ ﺍﻟﺪﺭﺍﺳﺔ ﺇلى ﻣﻌﺮﻓﺔ ﺍﻟﺪﻭﺭﺍﻟﻜﺒير ﻟﻠﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ ﻛﺂﻟﻴﺔ لخﻠﻖﻭتحﺴين ﺃﺩﺍﺀ ﺍﻟﺒﻨﻮﻙ،ﻣﻦ
ﺧﻼﻝ ﺯﻳﺎﺩﺓ ﻛﻞ ﻣﻦ ﺍﻟﺮبحﻴﺔ ﻭﺍﻟﺪﺧﻞ، ﺧﻔﺾ ﺍﻟﺘﻜﺎﻟﻴﻒ ﻭﺯﻳﺎﺩﺓ ﺣﺠﻢ ﺍﻟﻌﻤﻼﺀ،ﻛﻤﺎ سمﺢ ﺑﺘﻮﺳﻴﻊ
ﺍلخﺪﻣﺎﺕ ﺍلمﺼﺮﻓﻴﺔ.ﻛﻤﺎ ﻛﺎﻥﻫﻨﺎﻙﺃﺛﺮ ﺍيجﺎبي ﻭﻣﻴﺰﺓ ﻧﺴﺒﻴﺔ ﻟﻠﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ ﻋﻠﻰ تحﺴين ﺃﺩﺍﺀ ﺍﻟﺒﻨﻚ
ﺍلمﺼﺮﻱﹼ ﺗﻘﺪيم مجﻤﻮﻋﺔ ﻣﻦ ﺍلمﻘﺘﺮﺣﺎﺕ، ﻭﻟﺘﺤﻘﻴﻖ ﺫﻟﻚ تمﺗﺘﻤﺜﻞ في ﺗﺒني ﺇﺳﺘﺮﺍﺗﻴﺠﻴﺎﺕ ﻣﺎﻟﻴﺔ ﻣﺪﺭﻭﺳﺔﺗﺄﺧﺬ
ﺑﻌين ﺍﻻﻋﺘﺒﺎﺭ ﺍﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎﺕ ﺍلحﺪﻳﺜﺔ، ﻭﺗﺪﺭﻳﺐ ﻭﺗﻄﻮﻳﺮ ﺍﻟﻌﺎﻣﻠين،ﻭتحﺪﻳﺚ ﺍﻟﺒﻨﻴﺔ ﺍﻟﺘﺤﺘﻴﺔ ﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ
المعلومات بهدﻑ ﺗﻄﻮﻳﺮ ﺁﻟﻴﺎﺕ ﺍﻟﻌﻤﻞ المصرفيﺍﻻﻟﻜﺘﺮﻭنيThis study aims to highlight the extent to which digital transformation contributes to
improving the performance of banks. It relied on a descriptive analytical study that shed
light on the concept of digital transformation and highlighted its role and importance to
financial institutions and banks in particular by providing services with outstanding
performance in less time and at a low cost. In addition to achieving profitability and
increasing competition, the experience of the Central Bank of Egypt in digital
transformation was also discussed.
The study identified the significant role of digital transformation as a mechanism to
create and improve bank performance, by increasing both profitability and income,
reducing costs and increasing customer volume, and also allowing the expansion of
banking services. There was also a positive impact and a relative advantage of digital
transformation on improving the performance of the Egyptian Bank. To achieve this, a set
of proposals were presented,namely adopting thoughtful financial strategies that take into
account modern technologies, training and developing employees, and modernizing the
information technology infrastructure with the aim of developing electronic banking work
mechanisms.
