الريادة لاقتصاديات الأعمال
Volume 12, Numéro 2, Pages 410-432
2026-06-21
Mapping The Algerian Fintech Landscape: Empirical Evidence From Gie Monetique On Payment Digitization And Challenges (2016-2025)
Authors : Boukhedimi Fatima Zahra . Berradia Slimane .
Abstract
This study aims to analyze the current state of the FinTech sector in Algeria and its role in the country’s digital financial transformation. Adopting an analytical approach, the research relies on an empirical study of electronic payment data from the GIE Monetique (2016–2025). The findings indicate that, despite the emergence of electronic payment solutions, the sector remains at an early stage of development. This situation is mainly constrained by low financial inclusion, cybersecurity challenges, and limited public adoption of digital tools. However, recent reforms, including the Startup Act and updates to monetary regulations, have initiated a gradual strategic shift. Increasing collaboration between banks and telecommunications operators further supports this transition. The study concludes that strengthening digital trust, cybersecurity resilience, and financial literacy is essential to achieve sustainable and inclusive financial integration.
Keywords
Fintech ; Financial Inclusion ; Digital Transformation ; Financial Innovation ; Banking Reform
Les articles similaires
Kassoul Sofiane
.
Melki Tarik
.
pages 437-454.
Boussaidi Abdelkader
.
معلمي صابر
.
pages 392-404.
Labadi Hadjer
.
Hadjab Ikram
.
pages 569-588.
Boumedda-tiab Fahima
.
pages 395-406.
Lama Padam Bahadur
.
Kharel Shreekrishna
.
pages 71-91.
