تكنولوجيا الدفع الإلكتروتي و أثرها على تقليل تكاليف معاملات المالية دراسة حالة بنك الفلاحة و التنمية الريفية

Abstract

Electronic payment technology is one of the key drivers of digital transformation in the financial sector. It facilitates faster, more secure, and efficient transactions through tools such as bank cards, e-wallets, online transfers, and mobile applications. By replacing traditional paper-based processes, it significantly reduces costs related to printing, staffing, and cash handling. Moreover, it minimizes human error, enhances operational efficiency, and improves customer satisfaction. Overall, electronic payment systems play a vital role in lowering transaction costs and boosting performance in modern banking environments.