أثر وسائل الدفع الالكتروني في تنشيط التجارة الدولية

Abstract

This study examines the impact of electronic payment methods on promoting international trade among Algerian economic enterprises dealing with Bank Al-Salam. Using a descriptive-analytical approach and questionnaire data, the study found a statistically significant positive relationship between electronic payment adoption and international trade. Electronic payment methods improve transaction speed, reduce costs, increase trade volumes, and facilitate access to global markets. However, their effectiveness in Algeria is still constrained by technical, security, and regulatory challenges. The study concludes that strengthening digital infrastructure, enhancing the legal framework, and improving cybersecurity are essential to maximizing the benefits of electronic payment systems in international trade .