مجلة الباحث الإقتصادي
Volume 14, Numéro 1, Pages 258-271
2026-06-30

The Impact Of Financial Technology On Financial Performance Case Study Of Algerian Banks For The Period (2011-2023)



Authors : Bousba Sihem . Sahli Lazhar .

Abstract

This study examined the impact of financial technology on financial performance in Algerian banks for the period from 2011 to 2023. It has been using multiple linear regression. The study collected data from Central Bank of Algeria, GIE Monetique, Arab Monetary Fund, and World Bank. The results of the study indicate a positive and significant impact of the automated teller machines (ATMs), interbank card (IBC) and Inflation (INF) as well as positive and insignificant impact of gross domestic product (GDP) on return on asset (ROA). On the other hand, it was a negative and significant impact of the total assets of the bank (TA) on return on asset (ROA). To add more, the impact of automated teller machines (ATMs), interbank card (IBC), and Inflation (INF) on the return on equity (ROE) was positive and not significant. and the effect of gross domestic product (GDP) on the return on equity (ROE) was positive and significant. However, the effect was negative and significant of the total assets of the bank (TA) on the return on equity (ROE).

Keywords

Financial Technology ; Financial Performance ; Multiple Linear Regression ; Algerian Banks

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