أثر مؤشرات التحول الرقمي على ربحية البنوك التقليدية

Abstract

This study aimed to analyze the relationship between digital transformation indicators and the profitability of traditional banks through a case study of the Crédit Populaire d’Algérie (CPA). The study is conducted within the context of the accelerating adoption of digital technologies in the banking sector and their growing role in enhancing banking performance, improving service quality, and strengthening competitiveness in an increasingly digitalized financial environment. To achieve the study objectives, a descriptive-analytical approach was adopted due to its suitability for examining the nature of the relationship between the study variables. Primary data were collected through a questionnaire administered to a sample of 33 employees of the Crédit Populaire d’Algérie (CPA), Setif Branch 364. In addition, semi-structured interviews were conducted with several bank officials to support and enrich the quantitative findings. The collected data were analyzed using the Statistical Package for the Social Sciences (SPSS), employing a range of statistical techniques, including frequencies, percentages, arithmetic means, standard deviations, Pearson correlation coefficient, and linear regression analysis. The findings revealed a high level of adoption of digital transformation indicators within CPA. Furthermore, the results demonstrated a positive and statistically significant relationship between digital transformation indicators and the bank’s profitability. The study also showed that digital transformation contributes to improving banking performance through reducing operational costs, enhancing revenues, increasing operational efficiency, and strengthening customer satisfaction. The interview findings further confirmed that digitalization has accelerated banking operations, improved service delivery, and enhanced customer experience within the bank. Based on these findings, the study recommends continuing investments in digital technologies, strengthening technological infrastructure, enhancing cybersecurity systems, and expanding digital training programs for employees. Such measures are expected to maximize the benefits of digital transformation and contribute to improving profitability in traditional banking institutions.