معارف
Volume 21, Numéro 1, Pages 406-425
2026-06-30
Building A Sustainable Financial System In Algeria: The Connection Between Digital Transformation And Banking Services
Authors : Cherif Nour Elhouda . Bouzana Aimen .
Abstract
This study aims to explore the connection between digital transformation and banking services in the context of building a sustainable financial ecosystem, using the ABC BANK in Algeria as example. The study has four main objectives: to evaluate the effectiveness of ABC BANK's digital transformation strategy in improving its online visibility and providing remote services to customers; to analyze the impact of digital transformation on ABC BANK's banking services in terms of customer experience, operational efficiency, and risk management; to identify the challenges and opportunities associated with building a sustainable financial ecosystem through digital transformation, with a particular focus on the case of ABC BANK in Algeria; and to provide recommendations for ABC BANK on how to enhance its digital strategy and build a more comprehensive virtual branch that provides all banking services. The findings of this study will contribute to the understanding of the impact of digital transformation on banking services and the potential for building a sustainable financial ecosystem through this process. Additionally the study's recommendations will assist ABC BANK and other financial institutions in Algeria and similar developing countries in enhancing their digital strategies and improving their overall financial ecosystems.
Keywords
digital transformation ; ABC bank ; Sustainable Financial system ; Strategy
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