According to the Public Relations Office of the National Informatics Corporation, Dr. Alireza Mahyar, during his speech at the 11th Conference on Modern Banking and Payment Systems, stated:
“Today, in the economic landscape, we are discussing embedded finance on one hand and the technology ecosystem on the other. Every matter, whether within financial platforms or beyond, ultimately centers on improving the customer experience.”
He added:
“We, at the National Informatics Group, are striving to bridge the interaction between these two ecosystems.”
The CEO noted that the group, through continuous transformations and innovations, creates a foundation for future generations to utilize modern technologies for the growth and development of the nation’s economy.
Dr. Mahyar emphasized:
“Perhaps one of the most pressing issues in the country today is financial inclusion. Currently, mobile penetration is at 120%, and individuals often rely on their phones for simple tasks like hailing a taxi or shopping at supermarkets. It’s imperative that we extend this use of technology and financial inclusion to other domains, including decisions on where individuals should invest their money.”
Referring to Bill Gates’ well-known statement, “Banking is necessary, but banks are not,” Dr. Mahyar explained:
“This viewpoint is materializing today as we adopt a new lifestyle. Single-purpose applications are gradually disappearing, and multi-purpose apps are advancing, refining their customer experiences.”
He further noted:
“With advancements in hardware, the era of intertwined core banking systems is fading, paving the way for the development of decentralized banking systems.”
Discussing the importance of crypto-assets, Dr. Mahyar remarked:
“When financial services are viewed as a comprehensive package, the significance of this matter becomes even more evident.”
Regarding green banking, Dr. Mahyar said:
“Whenever green banking is mentioned, topics such as electricity supply and paper elimination come up. Over one-third of branch space is allocated to storing the paperwork produced within branches. However, digital banking aims to shift these processes to metaverse-based or virtual operations.”
He added that biometric authentication and digital identity are evolving rapidly, predicting that by 2030, 25% of global payments will be conducted through digital identity systems.
Dr. Mahyar acknowledged:
“While we have excelled in commercial innovation, we have weaknesses in governance innovation. To address this, the National Informatics Group, in collaboration with the Central Bank, is focused on advancing regtech and suptech initiatives.”
He concluded:
“We will implement a new approach to regulatory sandboxing. Through Faranik Company, the innovation hub of the National Informatics Group, we will host new projects in the field of governance innovation.”
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