JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT 2782-4586 2949-1851 100291 10.26118/2782-4586.2025.82.47.030 Научные статьи SCIENTIFIC ARTICLES Научные статьи Digital banking in the UAE Цифровой банкинг в ОАЭ Горбачева Татьяна Александровна Gorbacheva Tatiana Aleksandrovna t-gorbacheva@bk.ru

кандидат экономических наук;

candidate of economic sciences;

 Финансовый университет при Правительстве РФ Москва Россия Financial University under the Government of the Russian Federation Москва Russian Federation 29 06 2025 29 06 2025 4 216 221 23 06 2025 https://jomeam.ru/en/nauka/article/100291/view

В статье рассматриваются современные тенденции развития цифрового банкинга в Объединённых Арабских Эмиратах. Автор анализирует ключевые факторы, способствующие цифровой трансформации банковского сектора, включая государственные инициативы, рост числа интернет-пользователей и развитие финтех-инфраструктуры. Особое внимание уделяется появлению нео-банков — полностью цифровых финансовых учреждений, не имеющих физических отделений, — и их влиянию на доступность банковских услуг, особенно для малого и среднего бизнеса. В работе также обозначены основные вызовы цифровизации, такие как вопросы кибербезопасности, идентификации клиентов и нормативного регулирования. На основе проведенного анализа делается вывод о перспективности цифрового банкинга как одного из драйверов экономического роста и финансовой инклюзии в ОАЭ.

The article examines current trends in the development of digital banking in the United Arab Emirates. The author analyzes the key factors contributing to the digital transformation of the banking sector, including government initiatives, the growth of the number of Internet users and the development of fintech infrastructure. Particular attention is paid to the emergence of neo-banks, fully digital financial institutions with no physical branches, and their impact on the availability of banking services, especially for small and medium—sized businesses. The paper also identifies the main challenges of digitalization, such as cybersecurity, customer identification, and regulatory issues. Based on the analysis, it is concluded that digital banking is promising as one of the drivers of economic growth and financial inclusion in the UAE.

 цифровой банкинг нео-банк онлайн-банкинг мобильный банкинг цифровая трансформация digital banking neo-banking online banking mobile banking digital transformation

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