Analytical Study the Role of Fintech for Banking Services and the Relationship to Financial Inclusion in Light of the Banking Law 2020

This study aims to help the banking sector in Egypt to adopt the mechanisms of financial technology (fintech) to keep pace with global developments, to improve the efficiency of the performance of the banking sector as it represents the backbone of the economy, and to direct the light towards global experiences, as the study relied on the methodology of the case study (of the National Bank of Egypt) and the current research focuses on technology The financial system (fintech) adopted by the bank as one of the most important mechanisms developed in the banking sector, especially after the introduction of the Banking Law in 2020 and the declaration of financial technology to all banks. The current study relied on presenting the most important points around which the new banking law was issued in 2020. The most prominent results concluded that there are rapid steps towards keeping pace with global financial markets by the Egyptian government with the aim of increasing levels of financial inclusion. Perhaps the most important recommendation of the study is the rehabilitation and training of workers to deal with modern technological developments. The study also recommends, after application to the case of the National Bank, an increase in each of the following ratios (real estate loans, credit cards, personal loans granted to individuals, current demand deposits, savings certificates) in the post-adoption period more than the period before the adoption of financial technology (fintech), and the fluctuation of my rates (Loans granted to individuals, and deposits of individuals), which the researcher attributed to the clients' culture of maintaining liquidity