دورتكنولوجيا المعلومات في تعزيز الشمول المالي في البنوك الجزائرية

Abstract

This research aims to highlight the importance of using technology to enhance and develop banking services in order to achieve financial inclusion, which is considered a fundamental factor in economic growth. The impact of technology on financial inclusion is evident through the development of services and the use of technology to reach the largest possible number of users and attract them. Therefore, the use of technology in banks, whether in providing services or managing banking data, is an inevitable requirement in the future of banks. This is what the Local Development Bank, Chelghoum Al-Eid branch, is trying to achieve. This study helped build the following problem statement: What is the role of using technology in financial inclusion at the Local Development Bank, Chelghoum Al-Eid agency? Through the study, we relied on the descriptive-analytical method to analyze the data and documents obtained through the agency management during the internship period. We also conducted an interview with the agency manager, where several questions were raised regarding the research topic. We concluded that the bank relies on its website and the internet to introduce itself and its branches, as well as to present its traditional and electronic services, in addition to platform services. The bank also uses technology for marketing its products and promoting itself through media and communication channels, thereby contributing to raising banking awareness, which plays an important role in the agency's customers' responsiveness to changes and developments in the field of banking services. We inferred that technology has a role in improving banking services, advancing its business performance, and consequently achieving good levels of financial inclusion by reaching a larger segment of users.