مجلة الدراسات التجارية والاقتصادية المعاصرة
Volume 9, Numéro 2, Pages 208-223
2026-07-20
The Potential Of Electronic Payment Mechanisms To Enhance Financial Inclusion In Algeria An Analytical Study
Authors : Abdussalam Shibani . Tahar Baadache . Hachemi Baadj .
Abstract
This research analyzes the role of electronic payment mechanisms in fostering financial inclusion in Algeria through an in-depth analytical approach. Findings indicate a gradual increase in adoption, driven by improved digital infrastructure and rising bank account/ATM numbers. However, structural challenges like weak infrastructure, limited financial literacy, and an outdated legislative framework impede wider expansion. The paper emphasizes developing inclusive financial services for low-income and informal sector workers. It also stresses enhanced collaboration among stakeholders to support digital financial transformation and broaden formal banking access.
Keywords
Electronic payment ; financial ; inclusion ; digital infrastructure ; Algiria
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