واقع الابتكارات المالية في البنوك : البنوك العمومية الجزائرية أنموذجا

الملخص EN

This paper aims to clarify one of the areas of financial innovations in the banking sector, by giving an image of the various changes that have taken place in the banking business, especially after the developments in information and communication technology, in addition to the diligence of the Algerian public banks to provide excellent customer service and keep abreast of the areas of banking innovation.

The paper deals with the following question: What is the reality of financial innovations in the Algerian public banks, and what are the most important innovative financial products? Accordingly, the article aims to highlight the areas of financial innovation in Algerian public banks through a survey process focusing on the most important innovative financial products currently being dealt with.

The research concluded that the financial innovations in the Algerian banks are still at the beginning, because the banking sector requires an innovative environment that contributes to the development of the banking industry.

Therefore, it needs the positive and effective integration of financial innovations to increase their competitiveness and effectiveness in the banking system as a whole