أثر كفاءة نظم المعلومات المصرفية في إكتساب ميزة تنافسية للبنوك

Abstract

This study aims to further understand the impact of the efficiency of banking information systems on gaining a competitive advantage in commercial banks in Algeria. The study sample consisted of the Commercial Bank operating in the state of Mila, which is the Local Development Bank (BDL), and the Sheloum El Eid Agency. (20) questionnaires were distributed, and (20) questionnaires were retrieved. The descriptive analytical approach was applied in this study. The study reached a set of results, the most important of which are as follows: Agencies operating in the state work on implementing advanced information systems and technology but at different levels compared to other banks, in all units and departments. The information systems used aim to increase the bank's revenue and reduce the cost of banking services by improving and introducing new services.