تأثير المؤسسات الناشئة في مجال التكنولوجيا المالية على البنوك العمومية بالجزائر

الملخص EN

This study aims to analyze the impact of start-ups in FinTech on Algerian public banks.

This study have concluded a set of results, the most important of which are that the start-up company be redirected towards the Fintech area, in away that it impacts and is impacted by the degree of the bank system development, and its competitive ability.

The ability of these institutions to offer financial services are higher and more competent, which will eventually lead banks to changing their working model, by expanding and relying on technology.

Among the most important study recommendations, are the necessity of making available a legal and organizational framework that facilitates cooperation between Algerian banks and FinTech startups, in order to provide competent financial services that align with the clients' desires.

Moreover, it would limit the potential risks, and work on attracting and motivating investors, individuals, national and international investment companies to invest in Fintech startups.