{"id":"https://openalex.org/W4411899350","doi":"https://doi.org/10.36530/1661-013-001-001","title":"\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0646\u0642\u0627\u0644 \u0648\u062f\u0648\u0631\u0647 \u0641\u064a \u0627\u0644\u062d\u062f \u0645\u0646 \u0623\u0632\u0645\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0628\u0627\u0644\u062c\u0632\u0627\u0626\u0631","display_name":"\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0646\u0642\u0627\u0644 \u0648\u062f\u0648\u0631\u0647 \u0641\u064a \u0627\u0644\u062d\u062f \u0645\u0646 \u0623\u0632\u0645\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0628\u0627\u0644\u062c\u0632\u0627\u0626\u0631","publication_year":2022,"publication_date":"2022-01-01","ids":{"openalex":"https://openalex.org/W4411899350","doi":"https://doi.org/10.36530/1661-013-001-001"},"language":"ar","primary_location":{"id":"doi:10.36530/1661-013-001-001","doi":"https://doi.org/10.36530/1661-013-001-001","is_oa":false,"landing_page_url":"https://doi.org/10.36530/1661-013-001-001","pdf_url":null,"source":{"id":"https://openalex.org/S4306537657","display_name":"\u0645\u062c\u0644\u0629 \u062f\u0641\u0627\u062a\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0645\u062c\u0644\u0629 \u062f\u0641\u0627\u062a\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5075190235","display_name":"\u0646\u0630\u064a\u0631 \u0628\u0648\u0633\u0647\u0648\u0629","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u0646\u0630\u064a\u0631 \u0628\u0648\u0633\u0647\u0648\u0629","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5091700104","display_name":"\u0645\u062d\u0645\u062f \u0645\u0644\u0648\u062d","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u0645\u062d\u0645\u062f \u0645\u0644\u0648\u062d","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.2684,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":{"value":0.65038478,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":93},"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"1"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.8535000085830688,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.8535000085830688,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.061799999326467514,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.025499999523162842,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-money","display_name":"mobile money","score":0.5389999747276306},{"id":"https://openalex.org/keywords/cashless-payments","display_name":"cashless payments","score":0.4909999966621399},{"id":"https://openalex.org/keywords/payment-systems","display_name":"payment systems","score":0.531000018119812},{"id":"https://openalex.org/keywords/algeria","display_name":"Algeria","score":0.7099999785423279}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.26127901673316956}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.36530/1661-013-001-001","doi":"https://doi.org/10.36530/1661-013-001-001","is_oa":false,"landing_page_url":"https://doi.org/10.36530/1661-013-001-001","pdf_url":null,"source":{"id":"https://openalex.org/S4306537657","display_name":"\u0645\u062c\u0644\u0629 \u062f\u0641\u0627\u062a\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0645\u062c\u0644\u0629 \u062f\u0641\u0627\u062a\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W2782427898","https://openalex.org/W4412140836","https://openalex.org/W3176422086","https://openalex.org/W4411763020","https://openalex.org/W4411817070","https://openalex.org/W3202283685","https://openalex.org/W4286664421","https://openalex.org/W4411883438","https://openalex.org/W4414936966","https://openalex.org/W2943370264"],"abstract_inverted_index":null,"counts_by_year":[{"year":2025,"cited_by_count":1}],"updated_date":"2026-09-25T08:18:29.962427","created_date":"2025-10-10T00:00:00"}
