واقع وسائل الدفع الإلكترونية في ظل الأزمات الإقتصادية مع دراسة حالة الجزائر

Abstract

The means of payment is that socially acceptable means, in order to facilitate transactions for the exchange of goods and services, as well as the payment of debts, and the means of payment have evolved over time, beginning with the barter system, through which one commodity is exchanged for another commodity. However, this method did not last long because of the limitations of this system. Metals were used as a means of payment, such as gold and silver, and then paper money appeared as a means of fulfillme nt and dealing. In the modern era, payment methods have emerged with a new mechanism, electronic payment methods, which reflect the development of the Internet and the emergence of electronic commerce. The emergence of electronic payment methods has allowed to reduce time and cost and achieve advantages that traditional payment methods could not achieve. In light of this, Algeria realized the necessity of modernizing the payment system and introducing electronic payment methods, and this realization concluded by adopting several projects, starting with bank cards for withdrawal and payment, then the immediate payment system for large amounts and the remote clearing system or what is called the intensive or comprehensive payment system. But despite these efforts it has made to reform its banking system and modernize its payment system, it is still somewhat late. Therefore, Algeria must conduct a lot of studies in order to avoid problems that will hinder the project to modernize the payment system