مدى مساهمة الخدمات المصرفية الرقمية في تحسين الأداء المالي للبنوك الجزائرية

Abstract

This study examined the contribution of digital banking services to improving the financial performance of Algerian banks through a comparative analysis of the National Bank of Algeria (BNA) and Al Salam Bank Algeria. The study aimed to analyze the current state and development of digital banking services in the selected Algerian banks, while identifying the main indicators used to measure their financial performance and assessing their evolution. The findings revealed that the expansion of digital banking services contributes significantly to attracting customers and enhancing their satisfaction, thereby strengthening the competitive position of Algerian banks and enabling them to reach a broader customer base. The study also showed that Algerian banks have experienced remarkable progress in adopting digital banking services in recent years. Both the National Bank of Algeria (BNA) and Al Salam Bank Algeria represent successful examples of Algerian banks that have actively invested in the development of their digital services; Furthermore, the results indicated that digital banking services contribute positively to improving the profitability of the two banks under study and enhancing the efficiency of their asset utilization. These findings highlight the importance of further developing the technological infrastructure of Algerian banks in order to expand and strengthen digital banking services across the banking sector.