عين تموشنت BADR الشمول المالي في ضوء التحول الرقمي للقطاع البنكي دراسة حالة بنك الفلاحة و التنمية الريفية

Abstract

This thesis examined digital transformation and its role in enhancing financial inclusion, with an applied study on Bank of Agriculture and Rural Development, aiming to highlight the importance of digitalization in developing banking services and facilitating access to them. The first chapter focused on the theoretical framework by explaining the concepts of digital transformation and financial inclusion, as well as the relationship between them, while emphasizing the role of modern technology in improving banking services and increasing their efficiency. The second chapter was devoted to the applied study of the bank, presenting the main digital services it adopts and their role in facilitating banking transactions and improving the quality of services provided to customers. The study concluded that digital transformation plays a major role in strengthening financial inclusion and improving banking performance, despite some challenges related to infrastructure and digital awareness. It also recommended supporting digitalization and expanding the use of electronic banking services to achieve better economic development. I conducted the study using the descriptive analytical method and the questionnaire as the study tool. It was distributed to a sample consisting of 14 bank employees and 31 customers. All of them were processed using digital content, statistical transformation, frequency distribution, and percentages.