Amman: Amid the rapid shift toward the digital economy globally, fintech has been one of the key drivers reshaping the financial sector in Jordan, undergirded by a sophisticated infrastructure in electronic payment systems, alongside a flexible regulatory environment and a competent human workforce capable of advancing innovative financial solutions. According to Qatar News Agency, the spotlight is turning to the next phase, which primarily targets converting domestic progress into regional added value through enabling firms to export fintech services, attracting good investments, and consolidating Jordan's posture as a regional hub for administering and upgrading digital financial solutions. The Executive Manager of the Supervision and Oversight Department of the National Payments System at the Central Bank of Jordan, Ghassan Abu Shihab, stated that Jordan today is flanked by a robust foundation qualifying the nation for transition from the phase of infrastructure development for fintech to the stage of ex porting digital financial services regionally. Jordan has become the wielder of one of the most advanced electronic payment systems on the regional stage, as recent years were marked by a radical shift in the behavior of financial users, with the vast majority of banking operations executed beyond the branches via digital channels, Abu Shahab noted. Abu Shahab further pointed out that official data conspicuously reflect this shift, with digital payment systems in Jordan recording over 184 million digital transactions throughout 2025, with a value that exceeded JOD 27 billion, and striking annual growth in the number of users and the bulk of transactions. He indicated that the number of transfers executed through real-time payment systems rose to almost 140 million transactions valued at around JOD 17 billion, while card payments exceeded 350 million transactions worth over JOD 25 billion, in addition to over 66 million electronic bill payments. The prevalent electronic sales outlets for merchants, which h ave exceeded 93,000 outlets, vindicate the expansion in accepting digital payments, as the number of electronic wallet users has reached almost three million users, recording meteoric annual rise rates in the number of operations executed via these outlets, Abu Shahab said. Abu Shahab went on to point out that these rumblings not only suggest a technological edge but rather a maturity in the regulatory environment and corporate trust, emphasizing that the balanced surveillance framework has offered a secure environment for encouraging startups and protecting financial stability. One of the most consequential strength components in the Jordanian experience lies in the flexible regulatory environment that allowed startups to tap into the markets within a regulatory testing climate, Abu Shahab noted. He outlined that capital requirements in the preliminary stages have been mitigated, enabling companies to test their products within a limited scope of clients, coupled with direct oversight from the regulatory agencies prior to transitioning to the full-fledged licensing phase. This phased approach mitigates operational risks for startups, boosting sustainability opportunities and encouraging entrepreneurs to innovate without bearing formidable financial burdens in the early stages, Abu Shahab underlined. Abu Shahab underscored that Jordan's strategic geography and its logistical and technological connections with the Gulf markets, as well as the Levant and North African countries, endow the nation with a true opportunity to become a regional hub for administering and developing digital financial solutions, particularly amid the regional expansion in the digital economy. He opined that the upcoming phase should focus on three key themes: the first is to reinforce exportation of digital financial services; the second entails developing cross-border solutions, especially in the fields of international remittances; and the third entails the expansion in promising sectors such as InsurTech, as well as social funding , digital lease financing, and innovative lending solutions.