تحديات و ضرورة تحسين وسائل الدفع الإلكترونية لأداء البنوك في ظل جائحة كورونا : دراسة حالة الجزائر

الملخص EN

Our study aimed to find out to what extent electronic payment methods contributed to improving the performance of the Algerian banking system in light of the COVID-19 crisis, By analysing and diagnosing the reality of the use of electronic payment methods, and highlighting the most important challenges faced by Algerian banks in light of the current conditions to confront the Corona pandemic, As we relied on the descriptive approach to present the concepts related to electronic means of payment, and the analytical approach through the primary data represented in statistics and numbers and reading the data, And our study found that electronic banking transactions “electronic payment methods” during the Corona pandemic (covid19) provided a number of advantages to customers, And new opportunities for banks by achieving competitive advantage, profitability, and widespread distribution in light of a global health crisis, This is done by introducing new payment cards that are appropriate to the nature and requirements of electronic banking, but despite the efforts made, Algerian banks still face many obstacles that have formed a stumbling block without achieving the hoped-for leap, and therefore it is necessary to benefit from the experience of some European countries in the field of Implementation of the electronic retail payment system and large amounts, taking into account the specificity of the Algerian banking system in order to improve the performance of banks.