دراسات إقتصادية
Volume 25, Numéro 2, Pages 01-21
2025-12-31

Modeling Financial Inclusion In Algeria: Ai, Fintech, And Support Agencies As Catalysts For Access



Authors : Hafdallah Yousra . Rehalia Bilel .

Abstract

In Algeria, financial exclusion is still a key problem. Despite the government reforms, microfinance programs, and digital financial services, structural, technological, as well as institutional barriers limit inclusive access. This paper reveals how AI and financial innovation combined with support and accompaniment agencies can enhance financial inclusion. Using the Financial Inclusion Potential Model (FIPM) and (AIDFI) index, the paper quantifies improvements achievable through AI adoption, FinTech solutions, digital literacy and the strengthened institutional trust. Findings reveal that coordinated technological and institutional interventions can expand access to finance and foster the sustainable economic development in Algeria.

Keywords

Financial inclusion ; AI ; FinTech ; Support agencies ; Sustainable Development.

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.

Financial Access For All: How Digital Financial Services Are Expanding Financial Inclusion In Egypt

Benzeroual Khawla .  Kerzabi Dounia . 
pages 416-434.

تقييم الشمول المالي والمصرفي في الجزائر وفق مؤشرات الوصول المالي خلال الفترة: 2015-2020 Evaluating Of Financial And Banking Inclusion In Algeria According To The Financial Access Indicators During The Period : 2015-2020

نعيمي رشيد .  بن ساسي عبد الحفيظ . 
ص 226-246.

Islamic Finance And Fintech: What Synergy For Improving Financial Inclusion In Algeria?case Of Al Baraka Bank Algeria

Lakahal Farida . 
pages 109-121.

تقييم الشمول المالي في الجزائر من منظور العدالة في التوزيع وفقا لمؤشر الشمول المالي لسنة 2017 مع الإشارة إلى الدول العربية Evaluating Financial Inclusion In Algeria From The Perspective Of Fairness In Distribution, According To The Financial Inclusion Index For The Year 2017 With Reference To The Arab Countries

نعيمي رشيد .  بن ساسي عبد الحفيظ . 
ص 369-388.

Formats de citation