تأثير التكنولوجيا المالية على أداء البنوك في الجزائر

Abstract

"This research seeks to investigate the impact of financial technology through its key components: payment services, financing services, and investment services on the financial performance of the Agricultural and Rural Development Bank ""BADR"" in Aim Temouchent. In pursuit of this objective, the study adopted a descriptive-analytical approach, relying on a structured questionnaire to collect primary data from a purposive sample of 50 employees. The data were processed and the hypotheses tested using the Statistical Package for the Social Sciences (SPSS), employing a range of statistical techniques, most notably multiple regression analysis. The results of the study demonstrated a statistically significant and positive influence of FinTech-based payment services on the financial performance of the bank. In contrast, FinTech-based financing and investment services did not exhibit a statistically significant effect on financial performance. Based on these findings, the study recommends reinforcing the adoption and expansion of digital payment services across Algerian banks, and emphasizes the importance of developing FinTech-based financing and investment services through the modernization of technological infrastructure.