مجلة الميادين الإقتصادية
Volume 8, Numéro 1, Pages 367-383
2025-12-30

The Impact Of Digital Transformation Services Based On Information And Communication Technology On Financial Inclusion In Algeria During The Period 2010–2023



Authors : Zouaouid Lazhari .

Abstract

This study aims to analyze the impact of digital transformation services based on information and communication technologies (ICT) on enhancing financial inclusion in Algeria, by focusing on one of the key indicators of digital infrastructure within the Global Innovation Index. Four dimensions were used to measure ICT as independent variables: ICT Access, ICT Use, Government Online Services (GOS), and E-Participation. Financial inclusion, as the dependent variable, was measured through a composite index that includes the growth of commercial bank branches and automated teller machines (ATMs) during the period 2010–2023. The study adopted a descriptive, analytical, and inductive methodology, and employed ARDL models to analyze the relationship between the variables. The results revealed a long-term equilibrium relationship between digital transformation and financial inclusion, with varying significance and impact across the different dimensions. The study recommended the integration of government digitalization with financial services, the promotion of digital financial awareness, and the expansion of ICT infrastructure in underserved areas.

Keywords

Financial inclusion; Digital transformation; Information and communication technology; Innovation; Algeria.

Les articles similaires

The Impact Of Financial Technology On Financial Inclusion And The Development Of Banking Services In Algeria."an Empirical Study To Analyze The Relationship Between Financial Technology, Financial Inclusion, And The Development Of Banking Services In Algeria."

Khettab Fatima Zahra .  Gherbi Nacer Salah Eddine . 
pages 115-132.

دور إباضية المغرب الأوسط في تنشيط التجارة الصحراوية خلال العصر الوسيط Thé Rôle Of Ibadis Of Thé Central Maghreb Un Stimulating Thé Désert Trade During Thé Middle Age

بوسالم أحلام .  عابد يوسف . 
ص 117-132.

Muhammad A.r .webb: Thé First Anglo White Concert To Islam Un Thé U.s.a Ans Thé Influence Of Thé Ah Adyya Movemment

Yahia Zeghoudi . 
pages 74-88.

التحول الرقمي للمنظمات في ظل تكنولوجيا الإعلام والاتصال Transformation Numérique Des Organisations Relevant Des Technologies De L'information Et De La Communication Digital Transformation Of Information And Communication Technologyorganizations

رابح أوكيل .  ريم خالدي . 
ص 160-169.

The Performance Of The Information And Communication Technology Sector And The Digital Sector In Algeria And Its Impact On The International Classification Indicators Related To Them During The Period Spanning 2000 To 2023

Saad Mohamed . 
pages 166-182.

Formats de citation