اثر التحول الرقمي على ربحية الينوك التجارية في الجزائر خلال الفترة 2004-2024 _دراسة قياسية

Abstract

This study aims to clarify the impact of digital transformation on the profitability of commercial banks in Algeria during the period 2004_2024 using the ARDL model in the short and long term, as the descriptive analytical approach was relied upon to clarify the reality of digital transformation and profitability in Algerian commercial banks. Accordingly, the study concluded the following most important results: There is an acceptable statistically significant direct relationship between automated teller machines (ATM), electronic payments (ATCI), instant electronic payment system (ARTS), commercial bank branches (BRN), and loans granted by banks (CRD) with return on Therefore, we conclude that there is interest in providing electronic banking services by banks and that they are efficient, which is why they have contributed to increasing the profitability and performance of commercial banks in Algeria