التكنولوجيا المالية كآلية لتعزيز الأداء المالي للبنوك التجارية في الجزائر

Abstract

This study aimed to analyze the role of financial technology (FinTech) as a mechanism for enhancing the financial performance of Algerian commercial banks, with a particular focus on the Algerian Popular Credit, during the period from 2014 to 2025. The study adopted a descriptive-analytical approach by combining quantitative analysis of financial performance indicators, namely Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), with a field study based on a questionnaire administered to a sample of employees from the Algerian Popular Credit in Setif. The findings revealed a statistically significant positive relationship between the use of financial technology and the improvement of the bank’s financial performance; Digital banking services, electronic payment systems, and the development of digital infrastructure contributed to enhancing operational efficiency, improving profitability, strengthening risk management, and increasing customer satisfaction as well as the bank’s competitiveness. The results also showed that the digital transformation experienced by the Algerian banking sector, particularly after the COVID-19 pandemic, played a significant role in supporting banking stability and improving the quality of banking services. Accordingly, the study recommends strengthening investment in financial technology, developing digital infrastructure, and intensifying employee training programs in order to maximize the benefits of digital transformation within the Algerian banking sector.