مجلة التمويل والاستثمار والتنمية المستدامة
Volume 10, Numéro 1, Pages 384-407
2025-12-29

Supervisory Technology Anew Tool For Banking System Supervisory In Algeria



Authors : Osmani Abdelkader . Benalkama Malika .

Abstract

Abstract: This study aimed to clarify the concept of SupTech, and the possibilities of its adoption and application in Algerian financial system in general, and in the banking system in particular by the Bank of Algeria, as a new digital supervisory tool and as part of its efforts to develop its supervisory tools known as the Risk-Based Approach (RBA) and the new rating system via the ICAAP and ILAAP systems. The study concluded with a set of results, perhaps the most important of which are the great importance of SupTech adoption not only in Algerian banking system, but also in the world by different supervisory authorities. The adoption and the implementation of SupTech by the Bank of Algeria requires a set of basic requirements, such as digital infrastructure, financial and qualified human resources, in addition to an appropriate legal and regulatory framework. Cette étude visait à clarifier le concept de SupTech, ainsi que les possibilités de son adoption et de son application au sein du système financier Algérien en général, et au sein du système Bancaire en particulier, par la Banque d'Algérie. Ce nouvel outil de supervision digitale s'inscrit dans le cadre de ses efforts de développement de l'approche fondée sur les risques (RBA) et du nouveau système de notation via les systèmes ICAAP et ILAAP. L'étude s'est conclue par un ensemble de résultats, dont les plus importants sont l’importance cruciale de l'adoption de SupTech, non seulement dans le système bancaire Algérien, mais aussi à l'échelle mondiale, par les différentes autorités de supervision. L'adoption et la mise en œuvre de la SupTech par la Banque d'Algérie nécessitent un ensemble d'exigences fondamentales, telles qu'une infrastructure digitale, des ressources financières et humaines qualifiées, ainsi qu'un cadre juridique et réglementaire approprié.

Keywords

Supervision; Supervisory Technology; Banking sector; Bank of Algeria

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