الترشيد والتوعية المالية للمستهلك العميل وأثرهما على تعزيز الشمول المالي في الجزائر

الملخص EN

This research aims to shed light on the issue of awareness and financial rationalization for the client consumer and its effect on mobilizing savings in official channels represented in banks and financial establishment, thus achieving and enhancing financial inclusion, which has become a necessary requirement that all countries seek in light of the financial crises that have characterized our current time .accordingly, consumer awareness in the banking sector and its rationalization in recent years have become among the main and pivotal goals that central banks seek to achieve in all countries of the world, which quickly issued recommendations to their various banking agencies on the necessity of adopting a method of guidance and direction to rationalize the consumer decision and clarify the rates and justifications of the commissions applied and services these endeavors come as a result of the increase and recurrence of customer complaints from consumers in various banking transactions, and therefore it was necessary to gain their trust and urge them to deposit their money in banks and financial institutions by adopting various methods of awareness and financial rationalization.