مجلة المنهل الاقتصادي
Volume 9, Numéro 1, Pages 591-612
2026-05-25
Evaluating Digital Transformation In The Algerian Banking Sector:a Swot Framework For Financial Innovation Opportunities And Strategic Challenges
Authors : Benmakhlouf Amira .
Abstract
Digital transformation is reshaping banking operations and customer experiences worldwide, with significant implications for emerging economies. In Algeria, public banks have gradually begun adopting digital financial services, supported by regulatory reforms related to electronic transactions and digital trust. However, despite these efforts, the pace of digital transformation remains limited due to persistent challenges in technological infrastructure, innovation capacity, and customer digital readiness. This study employs a SWOT analytical framework to assess the internal and external factors influencing digital transformation in Algerian banks. The analysis identifies key strengths, weaknesses, opportunities, and threats, and provides strategic insights aimed at enhancing financial innovation, improving service delivery, and expanding digital financial inclusion. The findings offer practical implications for bank managers and policymakers seeking to accelerate digital banking development in Algeria.
Keywords
: digital transformation; banking sector; financial innovation; SWOT analysis.
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