Digital Islamic Banking Financial Inclusion Mechanism for Digital Financial Empowerment Reading the UAE Experience

Islamic banks have not been immune to the development of financial technology services and start-ups that provide innovative financial solutions; they have experienced a radical transformation over the past years, driven by the growth of digital technologies, the adoption of a digital transformation strategy, as well as the growing demand by the youth for banking products based on the latest innovations, to provide a better customer experience. This highlights the urgent need at the present time for Islamic banking to move towards creating advanced digital services. This study aims to shed light on the reality of digital financial inclusion in the United Arab Emirates, by clarifying the role of digital financial services in financial empowerment through which financial inclusion is achieved. The analytical approach was relied upon to analyze the development of the use of digital technology in the United Arab Emirates and its impact on financial inclusion. This study concluded that the use of digital technology and financial services in the United Arab Emirates has increased as a result of the availability of communications infrastructure and high-speed internet, which has had a positive impact on the levels of financial inclusion in it, through extrapolation of secondary data and statistics issued by the "World Bank", for the period extending from 2017 to 2028 expectations.