مجلة دفاتر اقتصادية
Volume 17, Numéro 1, Pages 400-433
2026-06-02
“the Reality Of Electronic Banking And Financial Technology In Light Of Global Digital Transformation: An Analysis Of Indicators (2020–2025)”
Authors : Belaiche Meyada . Hamdi Fella .
Abstract
The banking industry has developed in recent years in an unprecedented manner. This development is mainly due to two fundamental factors: • The increasing importance and role of financial intermediation as a result of the growing movement of monetary and financial flows, whether in the field of trade or investment, resulting from the globalization of markets. • The development of information technology and information and communication technologies (ICT), or what is known as the technological shock, which in many cases has been a response to the first factor. Electronic banking is the result of these developments and transformations experienced by the banking industry. In fact, this type of banking did not initially witness wide acceptance and spread, despite the high level of expectations among bankers who were enthusiastic about it. However, with the acceleration of technological and industrial developments and economic openness, it gradually became the basic service platform for banking transactions. This development also required the establishment of new and modern legal frameworks within banking systems around the world.
Keywords
Financial Technology (FinTech) ; Digital Transformation ; Digital Banking ; Electronic Payments ; Cybersecurity
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