مجلة المنهل الاقتصادي
Volume 9, Numéro 1, Pages 751-774
2026-05-25

Digital Financial Literacy And Well-being In Algeria: From Theoretical Definition To Empirical Behavioural Evidence



Authors : Hammami Cylia . Achouche Mohamed .

Abstract

This research investigates the impact of digital financial literacy (DFL) on financial well-being, proposing a standardized definition that synthesizes technical skills with consumer behaviour. Adopting a quantitative exploratory design, the study analyses the Algerian context through the 2025 Global Findex database. The findings uncover a significant behavioural paradox: while the population reports high perceived financial resilience, there is a selective and cautious adoption of digital financial services. This is characterized by a preference for low-risk instruments, such as digital savings, contrasted against a deep-seated reluctance toward higher-risk digital borrowing. By focusing on the underexplored Algerian market, the study provides a vital empirical foundation for policy formulation and future academic inquiry into digital adoption within emerging economies.

Keywords

Consumer Behaviour ; Financial Resilience ; Fintech ; Financially literate ; Financial well-being

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