التكنولوجيا المالية ودورها في تحسين الوصول لتمويل المؤسسات في الجزائر دراسة حالة بنك الجزائر الخارجي لولاية عين تموشنت

Abstract

This study aims to explore the role of financial technology (FinTech) in enhancing access to institutional financing in Algeria, based on a field study conducted at the Banque Extérieure dAlgérie in Ain Temouchent. A descriptive-analytical methodology was adopted, and data were collected from a sample of 40 bank employees. The results indicate that secure digital operations significantly facilitate access to financing, confirming the first hypothesis. Furthermore, the availability of accurate data and modern technologies creates an effective financing environment, especially for small and medium enterprises, supporting the second hypothesis. The study also highlights that FinTech offers advanced analytical tools that enable better financial decision-making and contribute to improving financial efficiency and expanding financial inclusion. Thus, financial technology can be considered a strategic driver in developing the financial system in Algeria.