التكنولوجيا المالية في القطاع البنكي الجزائري:التحديات و الفرص

Abstract

The current study aims to examine the challenges and opportunities facing Algerian banks in implementing financial technology. A qaulitative study was conducted using interviews with employees of the Banque Extérieure d’Algérie (BEA). Ain Temouchent branch Data analysis was preformed using the « MAXQDA V 24 » software. Key findings include: weak infrastructure, limited digital literacy and inadequate training among some employees, the need to adopt modern technologies, improved operaction efficiency, and cost reduction.