Abstract
Financial technology is one of the modern concepts that witnessed a great development after the financial crisis that hit the financial sector in 2008. This concept is closely related to information and communication technology, through which innovative mechanisms are developed that contribute to improving the systems and operations of the financial and banking services sector. Providing financial services in many Arab countries under what It offers promising solutions that enable financially underserved groups, especially youth, women, small and medium enterprises, and remote areas, through smooth access and affordable costs to those financial services.The research aims to know the reality of financial technology in Arab countries and the challenges facing its applicationIn order to reach the objectives of the research, the researcher used the descriptive analytical approach to study and analyze relevant indicators based on the sources and information available in this regard by official and academic authorities.The researcher concluded that the application of financial technology in Arab countries is still below the required level due to the many challenges facing these countries in applying it
