دور التكنولوجيا المالية في تعزيز الشمول المالي دراسة قياسية في الجزائر خلال فترة (2011 - 2024)

Abstract

The study aims to present the general framework of financial inclusion, including its concepts, objectives, dimensions, and key indicators for measurement, in addition to the requirements for its enhancement and its role in achieving individual financial stability. It also addresses the problem statement regarding the effectiveness of financial technology in improving the level of financial inclusion in Algeria. We used a set of variables divided into financial inclusion variables including (DCP, CCP, ATM, BAP), and variables related to the use of financial technology represented by (IU, SP, and BOP). Data relied on annual data downloaded from the World Bank and Statista websites during the period from 2011 to 2024. The study employed ordinary least squares (OLS) regression analysis to test the correlation between the selected variables. This study concluded the existence of very strong relationships between a group of financial inclusion and financial technology variables, such as internet users with the use of banking websites and also smartphones with internet users, where we obtained a correlation rate of 99%, indicating a very strong correlation.