نظام الدفع الالكتروني في البنوك الجزا ئرية ودوره في تحسين الأداء المصرفي

Abstract

The electronic payment system is of great importance in the modern world and is one of the main tools in the development of fintech the study aims to highlight the role of the electronic payment system in improving bank performance and improving the banking services provided to customers, To know the extent to which the Bank of Agriculture and Rural Development responds to the Wade El-Naja Agency, Mila State, and adopts the electronic payment system in its transactions This study was carried out using the interview tool, the estionnaire tool and the use of the Spss/v21 analysis program. The study was based on the analytical descriptive curriculum. One of the most important findings of the study was that Algerian banks have made remarkable progress in the development of payment systems, the small number of users of electronic means of payment, and we have also found a correlation between the electronic payment system and the improvement of performance in the bank in question, even if it is somewhat weak. The electronic payment system improves performance through its means. It is worth noting that e-remittances ranked first in improving the bank's performance . One of the most important recommendations we make is to collaborate between the Government and the private sector to promote the transition towards and development of the electronic payment system, and to raise public awareness of the benefits and importance of using electronic payment methods, through the provision of awareness-raising campaigns and educational initiatives to publicize the benefits of electronic payment