تأثير الخدمات المالية الرقمية على أداء المصارف التجارية في دول المغرب العربي (الجزائر، المغرب وتونس)‎: دراسة قياسية باستخدام نموذج Panel خلال الفترة (2000-2018)‎

الملخص EN

The purpose of this study is to identify the impact of e-banking services on the performance and profitability of commercial banks in the Arab Maghreb countries by conducting a standard study using a panel model based on a sample of 15 commercial banks of 3 countries (Algeria, Morocco and Tunisia) during 2000-2018.

the study concluded that the banking services have a positive impact on the performance of the banks in Algeria and morocco.

this indicates the beginning of the improvement of the electronic channels of these countries and their abandonment of traditional channels to carry out banking operations, because e-banking services lead to increased performance of banks and profitability by reducing costs and increasing revenues, Algeria should therefore focus its work on enhancing the confidence of e-banking services and encouraging customers to use this type of service.