مجلة الاقتصاد والتنمية المستدامة
Volume 9, Numéro 1, Pages 242-259
2026-03-01
Study Of The Impact Of Digitalization On The Financial Performance Of Algerian Banks - Case Of The Banque Extérieure D’algérie (bea)
Authors : Sellou Hassiba . Oudainia Nihel . Maina Amira .
Abstract
Digitalization has become an essential lever in the banking sector. This research analyzes the impact of digital tools on the financial performance of the Banque Extérieure d’Algérie (BEA) during the period 2021–2024. Based on an econometric methodology, the study examines the relationship between financial indicators—ROA and ROE—and the use of digital services such as CIB cards, POS terminals, and the BEA Mobile application. The results reveal a moderately positive impact of certain tools (notably BEA Mobile) on profitability, while others (such as CIB cards) show no significant effect. This variability highlights the need for a strategic integration of technology to ensure profitable digitalization.
Keywords
banking digitalization ; financial performance ; BEA ; ROA ; ROE ; digital Tools
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