الإبداع التكنولوجي كمدخل لتعزيز الميزة التنافسية لبنوك التأمين : حالة بنك التأمين "الصندوق الوطني للتوفير و الاحتياط و كارديف الجزائر

Abstract EN

This research paper attempts to recognize the importance of technological innovation in the competitive advantage of bancassurance "and CNEP CARDIF el djaziar" through an analytical study of the views of a sample of directors and heads of departments bancassurance in the study.

The study was determined by an independent variable for the (technological innovation) and the dependent variable (competitive advantage) for bancassurance and strategies (cost, excellence and focus).

To achieve the objectives of the study were prepared and developed a questionnaire in order to identify data from the members of the study sample, which was (32) members.

The study found a group of results was particularly; there is a role for technological innovation in improving the competitive advantage of bancassurance and strategies (cost, excellence and focus).

In goal, the study recommends the need to increase attention to technological innovation because of its important role in improving the competitive advantage of bancassurance in the study and business in general