مساهمة التكنولوجيا المالية في تعزيز الشمول المالي

Abstract

This study explores the role of Financial Technology (FinTech) in enhancing financial inclusion, focusing on the "National Savings and Reserve Fund" (CNEP-Bank) experience. The theoretical framework examines FinTech concepts, financial inclusion fundamentals, and how modern technologies bridge the gap in banking access globally and specifically in Algeria. It also reviews previous literature in Arabic, French, and English to provide a comprehensive academic context. The empirical part centers on CNEP-Bank through a field study at the Ain Temouchent branch. This section assesses the adoption of digital solutions and their impact on expanding the customer base and improving service quality. The study concludes that digital transformation is the primary driver for achieving sustainable financial inclusion within the Algerian banking sector.