واقع الصيرفة الإلكترونية في البنوك الجزائرية و آفاق تطويرها

الملخص EN

Over the past decade, the Algerian state began many of the economic reforms in all sectors, including the banking system reform, which has seen many innovations through the issuance of new laws and regulations, aimed at modernizing Algerian banks and facilitate their adaptation to international standards, and thus the face of competition.

To achieve the level of international banks, Algerian banks bet on e-banking services effectively as a solution to raise its services and maintain market share and attract new customers.

This study aims to highlight the reality of e- banking in the Algerian banks and the prospects for their development, we used the descriptive analytical approach was used to clarify the different concepts and definitions presented in the research, as well as the analytical method through the information obtained, analyzed and interrelated in order to reach the results that achieve the research objectives.

The results showed that Algerian banks are still suffering from a slow pace in the process of transition to electronic banking, as there are many reasons that hinder the spread of the latter.

In this paper, we will attempt to see the electronic banking reality in Algeria and the prospects for its development.