العملات الرقمية للبنوك المركزية: تحديات ومتطلبات الدينار الرقمي الجزائري في ظل القانون النقدي والمصرفي 23-09

الملخص EN

This study aims to identify the most important challenges and requirements for issuing the Algerian digital dinar in light of the monetary and banking law 23-09, which allowed the national currency to take a digital form to enhancing financial inclusion and reducing the circulation of cash.

the study concluded that the digital dinar faces many challenges related to the weakness of financial literacy, lack readiness of technology infrastructures and declining innovation, while cybersecurity, privacy and data protection are among the main requirements in the design of central bank digital currency according to a model that takes into account the specificity of the Algerian economy.