Is it permissible to consummate the marriage with one's wife after announcing the marriage to her, but before the marriage contract (nikah) is finalized due to administrative issues, especially after her conversion to Islam?

If a man has validly contracted a marriage with a woman, fulfilling all conditions and pillars, she becomes his wife, and it is permissible for him to consummate the marriage with her, even if the contract has not been officially registered in the courts. However, it must be emphasized that registering marriage contracts in this era has become an urgent necessity due to the harms and loss of rights that result from its absence.