Determinants Of Bank Payment Card Adoption In Algeria: Evidence From A Logistic Regression Analysis
Auteurs : Keddari Nassim .
Résumé
Bank payment cards remain underused in Algeria, including among customers who already hold a bank account. This study examines the factors associated with bank payment card adoption among bank customers, using a cross-sectional survey of 224 customers of three banks in the wilaya of Béjaïa. Drawing on technology acceptance, institutional, and religious perspectives, six hypotheses relate digital trust, confidence in banking credit services, perceived barriers, digital financial training, urban residence, and attitudes toward interest (riba) to a single outcome: the use of a bank payment card. As the survey relies on single binary indicators, the hypotheses are tested with binary logistic regression. Confidence in banking credit services is positively associated with card adoption. Contrary to expectations, digital trust and urban residence are negatively associated with it, although the first estimate rests on a small group of respondents and the second is sensitive to model specification. Perceived barriers, digital financial training, and attitudes toward riba show no association. Compared with previous Algerian studies, which link trust to e-banking and e-payment in general, these results suggest that digital trust does not necessarily translate into use of the bank card, possibly because customers turn to other payment channels; this interpretation remains to be tested. The findings, which are associational, suggest that banks seeking to expand card use should strengthen confidence in the banking system and the practical usefulness of the card relative to the alternatives available in Algeria.
Mots clés
Digital Payment Adoption; Bank Payment Cards; Digital Trust; Logistic Regression; Algeria
