التكامل الاقتصادي
Volume 14, Numéro 2, Pages 224-237
2026-06-12
The Role Of Financial Technology In Reducing The Parallel Foreign Exchange Market Premium: An Applied Analysis Of The Algerian
Authors : Hadid Saida . Recham Kahina .
Abstract
This study aims to examine the role of financial technology (FinTech) in mitigating the parallel foreign exchange market premium in Algeria, within an economy characterized by low adoption of digital financial services and a dual exchange market system. The study investigates the channels through which FinTech can influence the dynamics of the Algerian market. The findings indicate that the development of digital payment platforms and electronic transfer services contributes to redirecting demand for foreign currency toward the official system, thereby limiting the expansion of the parallel market. The study also highlights a set of structural and regulatory challenges that constrain the positive impact of FinTech. It concludes that effectively leveraging financial technology as a tool to curb the parallel market premium in Algeria requires support through comprehensive regulatory and institutional reforms.
Keywords
Parallel Exchange Rate Premium; Financial Technology (FinTech); Exchange Rate; Digital Financial Services, Financial Inclusion.
Les articles similaires
بوسالم أحلام
.
عابد يوسف
.
ص 117-132.
Yahia Zeghoudi
.
pages 74-88.
Hadid Saida
.
Recham Kahina
.
pages 306-326.
Khallout Manal
.
Khallout Allaoua
.
pages 644-661.
Said Houari Amel
.
pages 257-268.
