تطور وسائل الدفع الافتراضية : نحو عملات رقمية للبنوك المركزية-مع الاشارة إلى حالة الجزائر

Abstract EN

The development in information and communication technology and the emergence of internet have resulted in the provision of financial services in a new way within innovative solutions have known as financial technology (fintech), this latter one have changed many concepts and drew a new form of the relationship brought between customers and banks, Might the most prominent financial technology represented in virtual currencies as an innovative global payment method which have not linked by geographical borders and without any regulatory body.

Virtual currencies were known by anonymity and worked to cancel mediation in payment operations, which made it vulnerable to a lot of criticism about the risks that it may cause, especially in the case of widespread use.

All this push central banks to keep up this development to ensure financial stability, maintain its supervisory role, and coexist with new currencies, by issuing its own digital currencies