دراسة تحليلية لواقع الدفع الالكتروني في دول المغرب العربي الجزائر-تونس-المغرب خلال الفترة (2012-2021)‎

الملخص EN

This study aims at an analytical study the reality of electronic payment in the Arab Maghreb countries: Algeria-Tunisia-morocco in the period between (2012- 2021), by focusing on the reality of using electronic payment tools.

the study concludes that the morocco scored the highest levels in adopting the use of electronic payment tools compared to Algeria and Tunisia, despite the weak levels of ICT indicators and financial inclusion in them.