استخدام الخدمات المصرفية الالكترونية كآلية لتعزيز الشمول المالي في الجزائر - دراسة عينة من المصارف الجزائرية

Abstract

The study aimed to identify the impact of using electronic banking services on financial inclusion in Algeria, The researcher used the descriptive analytical method. A convenience sample of employees in banks was selected and a total of 45 responses were obtained with a recovery rate 68.18% for the questionnaire of the employees. The questionnaire was used as a tool for data collection and was analyzed using the SPSS program and a number of statistical methods wereused to test the research hypotheses. The study concluded that there is a statistically significant effect of electronic banking services provided by Algerian banks on financial inclusion from the point of view of its employees, The results also showed that the electronic banking service through the website, Electronic card and through ATMs have the greatest impact on financial inclusion, while the phone banking service and short message service in the banks have the least impact on financial inclusion. The study recommended focusing more on the smart phone service, which is becoming increasingly important with the spread of the mobile phone. In addition, working more on spreading technological awareness in order topromote financial inclusion.