مجلة الاقتصاد والمالية
Volume 12, Numéro 1, Pages 239-252
2026-01-24
The Impact Of Modernizing The Financial System Through Artificial Intelligence Applications On The Algerian Economy During The Period (2015–2024)
Authors : Hazem Rabab . Mansouria Nouar .
Abstract
This paper assesses the strategic impact of AI-driven digital transformation on the modernization of financial systems and macroeconomic stability in Algeria during the period from 2015 to 2024. The study identifies positive transmission mechanisms, including reduced transaction costs, improved operational efficiency, and enhanced financial inclusion, while also analyzing potential systemic risks such as cybersecurity threats. A longitudinal and comparative methodology was adopted to evaluate key performance indicators at both macroeconomic and sectoral levels. The findings reveal significant progress in establishing a legislative framework, particularly following the enactment of the new Monetary and Banking Law No. 23-09, which has accelerated the adoption of digital channels. However, the results also highlight structural challenges: the quantitative growth of financial inclusion remains concentrated in government payments and social transfers, as evidenced by the dominance of Algeria Post's "Gold Card." This reflects weak banking localization of digitization and limits the sector's financial efficiency. Furthermore, the transformation has coincided with a sharp increase in systemic risks and a rise in cybersecurity incidents, exposing a gap in operational resilience and insufficient investment in security responses to escalating threats.
Keywords
Digital transformation ; Artificial intelligence ; Financial systems
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