مجلة آفاق للبحوث والدراسات
Volume 9, Numéro 2, Pages 37-59
2026-07-31

Digital Banking Services And Their Financial Impact On Entrepreneurs And Business Owners In The Desert Tourism Sector In Algeria



Authors : Omane Ahmed . Arib Fairouz .

Abstract

This study examines the impact of digital banking applications—also referred to as digital banking services—on the performance of entrepreneurs and project owners operating in the desert tourism sector in Algeria. The study targeted a purposive sample of 20 individuals based in the provinces of El Oued and Ghardaia, specifically those engaged in promoting and marketing desert tourism. A descriptive approach was adopted for the theoretical component, while the applied component relied on an analytical approach. The findings demonstrated a clear and consistent agreement among the project owners included in the sample regarding the necessity and importance of adopting and implementing digital banking services, as well as the positive influence these services exert on their performance in the tourism sector. This was particularly evident in the relevance of utilizing digital tools provided by banks and financial institutions, which facilitate the use of these services in transfer, payment, and financing processes more broadly. The study also identified a statistically significant positive effect between the two research variables, with a correlation exceeding 70%. In addition, the study recommended the need to ensure adequate and periodic protection for the information systems and databases used by banks and financial institutions, given the multiplicity and interconnected nature of risks primarily associated with the use of digital technologies and financial innovations in the banking and financial sectors. Strengthening this protection would enable all stakeholders to benefit from these technologies in ways that support performance improvement and contribute to raising levels of gross domestic product.

Keywords

Digital banking services ; ; Entrepreneurs ; Project owners ; Desert tourism in Algeria

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