التغيير التكنولوجي في البنوك التجارية و دوره في تحسين الأداء المالي

Abstract

This study aimed to identify the reality of technological change and its role in improving the financial performance of commercial banks. After addressing the theoretical foundations of this topic, the study was applied to the BADR Bank in Ain Temouchent. To achieve the study's objectives, a descriptive-analytical approach was adopted, and a questionnaire was used as the primary data collection tool. The data was then analyzed using a range of appropriate statistical methods with the SPSS software. The study concluded that technological change had a positive impact on the financial performance of the bank under study, through the contribution of modern technology to increased operational efficiency and improved quality of banking services. The study also concluded with several recommendations, most notably the continuous modernization of infrastructure, investment in modern technologies, promotion of digital literacy among employees, and strengthening cybersecurity frameworks