جاهزية البنوك الجزائرية لتبني الذكاء الاصطناعي وإسهامه في تطوير الخدمات المالية الرقمية

Abstract

The study aimed to identify the readiness of Algerian banks to adopt artificial intelligence and its contribution to the development of digital financial services. To achieve this, the descriptive-analytical approach was adopted, and observation, interviews, and questionnaires were used as data collection tools. The study concluded that artificial intelligence contributes to improving the quality of financial services, enhancing the efficiency of banking operations, improving customer experience, contributing to increased operational efficiency, and improving the decision-making process. However, its adoption in Algerian banks still faces several challenges, most notably the absence of a clear strategy and the limited legal and regulatory frameworks, in addition to concerns related to information security and the protection of customer data. The study also concluded the necessity of updating information systems and expanding the internet network, along with establishing supportive regulatory and legislative frameworks that enhance the readiness of Algerian banks to adopt artificial intelligence and benefit from its technologies in developing digital financial services.