Algerian digital banking services as a mechanism to promote financial inclusion
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Date
2024
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Publisher
University of Oum El Bouaghi
Abstract
This study aims to explore the mechanism of digital banking services in Algeria and their role in promoting financial
inclusion and achieving economic growth at both the global and national levels. The study relied on a descriptive approach by
conducting an analysis of the Algerian economy during the period from 2019 to 2021, examining how the digitization of banking
services can improve financial inclusion. Through two hypotheses (null and alternative), the study found a positive relationship
between digital banking services and financial inclusion. The increase in the use of digital services is explained by the greater access
individuals have to financing, leading to the rejection of the null hypothesis and the acceptance of the alternative hypothesis, which
suggests that digital banking services can contribute to enhancing financial inclusion in Algeria.
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Keywords
Electronic banking services; Financial inclusion; Economic growth; The Algerian economy