دور وسائل و قنوات الدفع الإلكتروني في تعزيز الشمول المالي في الجزائر : دراسة تحليلية خلال الفترة (2016-2020)‎

Abstract EN

Payment methods have known a continuous development over time, from commodities to metals to banknotes, to electronic means and media, through which obligations are settled, in an era characterized by the astonishing development of information and communication technology, where no field was left untouched, similar to the banking sector, which has become used It has electronic channels and means for transferring money and settling obligations, that dispenses with human presence, and is available at all times, manifested in ATMs and online payment, which makes it a focus of interest and attracts many categories, and thus attracts more dealers, which enhances that financial inclusion, Which in turn has become the focus of international bodies and many countries of the world that have adopted strategies to strengthen it, especially after its importance in achieving sustainable development became clear, by involving everyone in benefiting from financing and other financial services, where this study aims to highlight the role of electronic payment means and channels in promoting financial inclusion in Algeria, and we have adopted the descriptive analytical approach, Through two sections, in the first we used the descriptive approach and in the second we adopted the analytical method, and through our analysis of the data available to us, we have concluded that electronic payment channels and means contribute to enhancing financial inclusion in Algeria.