نوارة, أسماءمجاهد, طيببوطوبة, محمد2025-09-072025-09-072025http://dspace.univ-temouchent.edu.dz/handle/123456789/6770This study aims to find out the impact of financial technology on enhancing the financial inclusion of the local development bank (AIN Temouchent agency ) and that by touching on the basics and concepts related to both financial inclusion and financial technology in order to achieve the objectives of the study , we relied on the descriptive approach that is consistent with the nature of the subject of the study , in addition to the analytical approach on the method of asking a questionnaire to collect preliminary information from a random study sample of 57 individuals the information was analyzed and hypotheses were tested using the (SPSS) statistical package program for social sciences and using many statistical methods , the study reached several results ; the most important of wich is that there is a statistically significant impact of financial technology on enhancing financial inclusion of the local development bank (Ain Temouchent agency) . The study also recommended : the need to pay attention to the developments in the fieled of financial technology, and be keen to expand it’s scope ; contribute to raising the efficiency of financial services facilitate the financial transactions, which contributes to their access to all enhances financial inclusionotherFinancial technology, financial inclusion , financial servicesThesis