اثر التكنولوجيا المالية على تعزيز الشمول المالي دراسة حالة بنك التنمية فرع حمام بوحجر ولاية عين تموشنت

Abstract

This study aims to find out the impact of financial technology on enhancing the financial inclusion of the local development bank (AIN Temouchent agency ) and that by touching on the basics and concepts related to both financial inclusion and financial technology in order to achieve the objectives of the study , we relied on the descriptive approach that is consistent with the nature of the subject of the study , in addition to the analytical approach on the method of asking a questionnaire to collect preliminary information from a random study sample of 57 individuals the information was analyzed and hypotheses were tested using the (SPSS) statistical package program for social sciences and using many statistical methods , the study reached several results ; the most important of wich is that there is a statistically significant impact of financial technology on enhancing financial inclusion of the local development bank (Ain Temouchent agency) . The study also recommended : the need to pay attention to the developments in the fieled of financial technology, and be keen to expand it’s scope ; contribute to raising the efficiency of financial services facilitate the financial transactions, which contributes to their access to all enhances financial inclusion