مساهمة تحويل الأموال عن طريق الهاتف المحمول في إرساء الشمول المالي : تجربة كينيا و محاولة الاستفادة منها في الجزائر

الملخص EN

The study aimed to highlight the importance of using the transfer of funds via mobile phone, in enhancing financial services access to isolated and remote areas, while presenting a successful experience in this field represented in Kenya, with Try to benefit from it in Algeria.

The descriptive analytical approach was used through four axes, one of which relates to the applied aspect.

The study found that money transfer via mobile phone contributes to enhancing financial inclusion, by reaching financial services to groups who are financially excluded, and what is justified is the success The Kenyan experience in this, through the use of the "M-PESA" platform, which was launched by the largest mobile phone operators in the country, which made us suggest that Algeria benefit from this experience, and take advantage of the wide spread of smart phones and try to employ it in the financial sector.