مجلة الاقتصاد الحديث والتنمية المستدامة

The Role Of Digital Transformation In Achieving Sustainable Competitive Advantage And Its Impact On Profitability Of The Algerian Banking Sector 2017-2021

Auteurs : Benazza Hicham . Djilali Toumi Hamza . Trifa Mohamed .

Résumé

This study aims to illustrate the impact of digital transformation on the profitability of the banking sector by highlighting how banks employ modern technology enabling them to develop new services and improve their customer experience. The role of digital transformation in increasing operational efficiency was also highlighted, helping banks strengthen their competitive position in the market. This shift enables banks to attract a larger segment of customers with accuracy, ease and lower cost methodology to describe study variables and to rely on statistics and reports to highlight the relationship between digital transformation and the profitability of the banking sector in question. The results of the study found that the Algerian banking sector's adoption of digital transformation helped to improve its profitability regardless of other factors contributing to the calculation of profitability indicators that were affected by the coronavirus health crisis.

Mots clés

Digital shift ; Competitive advantage ; profitability indicators ; financial performance ; Algerian banking sector.