استراتيجية الشمول المالي : رؤية جديدة لمكافحة الفقر

Abstract EN

This study aims to discuss the ability of financial inclusion strategy, through financial technology and digital solutions, to combat poverty and improve living standards, to seving Sustainable development goals (SDG's).

The capacities of the Algerian economy to benefit from successful experiences, according to international financial institutions, can be discussed, based on some financial inclusion indicators and the extent of reliance on digital solutions for target groups for the period 2011-2017.

Through precedent experiences, the study addresses the poverty trap that disrupts economic growth when leading to continued poverty, and the possibility that access to financial services for financially excluded groups from the formal financial system services will contribute to overcoming the poverty trap by improving incomes, reducing costs and increasing saving capacity for the aim of investing and maintaining owned assets.

The study recommends the adoption of a well-defined national strategy for financial inclusion in order to support the path of sustainable development in Algeria, with a focus on combating poverty.

This can be achieved by fulfilling the requirements of that strategy, namely creating a supportive environment or digital financial infrastructure; developing the supply side and ensuring protection for customers; and convergence with demand, whose activation needs to build trust between the financial system and target groups through financial education.