الخدمات المالية الرقمية كآلية لتحسين الميزة التنافسية في البنوك التجارية

Abstract

This study aimed to identify digital financial services that enable Algerian public banks to build competitive advantages that make them able to face the major global challenges in the banking sector and support them for internal and external competition, and in order to address the problem of research and tagged to what extent digital financial services contribute to improving the competitive advantage commercial banks? The two students used the analytical descriptive approach as an appropriate methodology to address the theoretical part of the subject of the study and the case study approach by using the questionnaire tool to collect the data of the sample under study, which consisted of 50 individuals represented mainly in employees holding degrees as well as those with work experience, which reflects the degree of maturity of the sample members. What effect does this have on understanding the items of a questionnaire, processing their data, and testing hypotheses using the SPSS program. Where the two students reached a set of results, the most important of which is that public banks are able to provide a basket of digital financial services to their customers, thus ensuring their market share, and that the continuous renewal of their digital financial services would contribute to achieving competitive advantages, raising productivity and improving the quality of their services and thus improving their performance. Growth and development of the economy in general, and the survival and continuity of institutions in the markets is the most important goal that the latter aspires to, and to achieve this, each institution seeks to build and possess multiple competitive advantages, through which it achieves distinction and superiority over its competitors in order to obtain the satisfaction and loyalty of its customers.