الدفع الإلكتروني عبر الهاتف النقال ودوره في الحد من أزمة السيولة النقدية بالجزائر

Abstract EN

This research aims to identify electronic payment via mobile phone in Algeria and its role in reducing the cash liquidity crisis, as it was concluded that the cash liquidity crisis in Algeria is a deep structural crisis that requires radical strategic solutions that keep pace with modern technology in the world, and one of the most prominent of these solutions is to rely on payment electronic, especially via mobile phone.

this is what Algeria has done by launching the "Barid PAY" service for Algeria post and the "Wimpay-BNA" service of the national bank of Algeria, in order to promote and promote electronic payment in Algeria, develop electronic commerce, facilitate the conduct of financial transactions for citizens and improve their daily lives, the simplest of which is to reduce the liquidity crisis, however, in fact, we find that these new services in Algeria are still not up to the required level and did not witness a great demand by citizens for several reasons, and this prevented their effective and tangible contribution to reducing and alleviating the cash liquidity crisis in Algeria.