E-payment adoption in the era of digital transformation: the case of Algerian banking system

الملخص EN

In the era of digital transformation, shifting to digital banking and adopting e-payments has become a necessity that covid-19 has emphasized.

However, some developing countries, such as Algeria, have been late and slow in embracing new technologies.

This study, therefore, will assess the current situation and growth of e-payment, by analyzing the latest developments and issues related to it, especially payment infrastructure, focusing on institutional and technological factors affecting its adoption.

The study finding shows that the digital infrastructure is less developed and electronic banking services are still in their embryonic stage, despite the quantum leap recorded in its adoption after the pandemic, and Algerian banks still depend on traditional banking services, in an environment where cash culture dominates, with a low level of bancarization and unequal access to digital services.