قياس أثر العوامل الشخصية و الديموغرافية على تبني خذمة الدفع الإلكتروني : دراسة استطلاعية لعينة من البنوك العمومية بالجزائر

Abstract EN

This study addresses the impact of personal and demographic factors on the adoption of e-banking through five main factors such as sex, age, educational level, occupation and income, and measuring their impact on the characteristics of e-banking services.

(the style and nature of e-service, the number of times the e-banking service was used, the interest, the problems and the place of to get the service); the study relied on the questionnaire method.

by questioning a sample of 125 customers.

the study draws its importance by identifying the most important factors influencing the adoption of the e-banking service.

focusing on personal and demographic factors the study found the importance of profession and income in influencing the adoption of e-service, and that gender is affected by the location of e- payment.

while age affects the nature of the service provided, the educational level was linked to the benefit of the service; and finally, the personal factors were greatly affected by the problems associated with the e- service.

reflecting the importance of the safety of e-banking transactions; the study recommended the diversification and dissemination of electronic banking services.

and to increase the confidence and security of those transactions.