مجلة الباحث الإقتصادي
Volume 11, Numéro 2, Pages 54-66
2023-12-30
The Reality Of The Application Of Fintech Services (comparative Study Between Algeria And Saudi Arabia During The Period 2016 To July 2023)
Authors : Amir Safia . Nouari Kheira .
Abstract
This study aims at analyzing the reality of digital payments as one of the areas of financial technology in Algeria, as well as identifying mechanisms for modernizing and localizing digital payments too, particularly due to the economic stagnation imposed by the Covid 19 pandemic. According to the study, financial technology has significantly contributed to the development of the digital payments sector, and the Covid-19 pandemic has had a significant impact on accelerating the pace of this development. However, the digital payments sector in Algeria is still developing at a slow pace., owing to a lack of legal and institutional coverage that regulates transactions and protects customers, as well as a lack of regulatory and institutional oversight. On the other side, The results showed the relative superiority of Saudi Arabia in digital services indicators, as the Saudi economy is moving at a steady pace towards digital transformation in light of the kingdom's second place in the Global Cybersecurity Index for 2023. This is what serves the financial sector.
Keywords
fintech ; waves of fintech ; the reality of digital payments ; ATM ; CIB ; vision2030
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