أثر التكنولوجيا المالية غلى مؤسساث الأداء المالي للبنوك

Abstract

This study aimed to determine the impact of financial technology on financial performance indicators in the Algerian banking sector. The descriptive and measurement methods were used to describe and analyze the variables of the study. Financial technology was the independent variable, while financial performance indicators were the dependent variable. Some financial technology indicators in Algeria were presented, in addition to liquidity indicators (liquid assets/total assets, liquid assets/total short-term liabilities) and profitability indicators (ROA, ROE) during the period 2011-2021. The study then linked the variables using multiple regression analysis using SPSS software. After conducting tests and analyzing the results, the study found an impact of financial technology dimensions (bank cards, ATMs) on profitability (ROE) and liquidity indicators (liquid assets/total assets, liquid assets/total short-term liabilities).