نورين العيد, كوثرنوالي, أفراحبوطوبة, محمد2025-09-072025-09-072025http://dspace.univ-temouchent.edu.dz/handle/123456789/6757Electronic payment technology is one of the key drivers of digital transformation in the financial sector. It facilitates faster, more secure, and efficient transactions through tools such as bank cards, e-wallets, online transfers, and mobile applications. By replacing traditional paper-based processes, it significantly reduces costs related to printing, staffing, and cash handling. Moreover, it minimizes human error, enhances operational efficiency, and improves customer satisfaction. Overall, electronic payment systems play a vital role in lowering transaction costs and boosting performance in modern banking environments.otherElectronic Payment 2. Transaction Costs 3. Digital transformationThesis