جديد الاقتصاد
Volume 20, Numéro 1, Pages 40-69
2025-12-31

An Evaluative Study Of The Use Of Electronic Payment Methods In Bank Al Baraka In Constantine Province -between Advantages And Challenges-



الكاتب : عزيزي نذير .

الملخص

The study aimed to evaluate the extent of electronic payment method usage among clients of Al Baraka Bank in Constantine, employing a descriptive–analytical methodology. A structured questionnaire was administered to a sample of 300 clients, yielding 282 valid responses. The results indicate that electronic payment methods provide several significant advantages; however, their adoption is hindered by various challenges. Additionally, the analysis revealed no statistically significant differences in the use of electronic payment methods attributable to demographic characteristics, including gender, age, educational level, and occupation.

الكلمات المفتاحية

Electronic payment methods ; Al Baraka Bank ; clients ; survey

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