دور الإبداع التكنولوجي في تحقيق القدرة التنافسية بالبنوك الجزائرية

Abstract

This study aimed to determine the role of technological creativity in the competitiveness of Algerian public banks. It was based on two fundamental dimensions: product creativity and process creativity. Regarding competitiveness, the study focused on three key requirements at the level of these banks, namely: production capacities, creative capacities, and marketing. The study was conducted on a random sample of 110 employees working in Algerian public banks in the wilaya of Aïn Témouchent. We adopted a descriptive and analytical approach, using a questionnaire as the primary tool for data collection. The questionnaire comprised 36 items divided into two main axes: the dimensions of technological creativity and the requirements for achieving competitiveness. To analyze the data and test the hypotheses, we used the Statistical Package for the Social Sciences (SPSS v.22) along with various statistical methods. The results of the study revealed a statistically significant correlation between technological creativity and competitiveness. Furthermore, it was indicated that technological creativity, through its two dimensions (product and process), exerts a statistically significant effect on each dimension of competitiveness. The findings also showed that there were no statistically significant differences in the level of adopting technological creativity within the studied banks attributable to gender, age group, educational level, or job classification. In contrast, significant differences were found based on the variable of years of experience, in favor of the group with less than 5 years of experience. Finally, the study demonstrated the absence of statistically significant differences regarding the level of interest in competitiveness based on all the aforementioned demographic and professional variables.