Document Type : Research Paper
Abstract
In recent years, Digital transformation has contributed to various financial and economic sectors, and has been instrumental in increasing profits and customer satisfaction by providing sustainable financial services that meet individuals' needs and enhance their financial inclusion, In the same context, the world banking market has witnessed rapid developments as a result of the growing phenomenon of financial globalization, and thus put banks in the face of the challenges they must gain, this has prompted them to develop coping strategies, the most important of which is the transition to inclusive banks that provide all financial services, in the midst of all this, Algeria's banking sector suffers from considerable fragility in service delivery, and its institutions do not keep pace with the latest technological developments and innovations, one of the most important outputs in this research: Algerian banks continue to offer old banking products, which face a number of challenges: the challenge of customers who always order new products, challenge of increasing competition, challenge of loan risk, and challenge of technology and informatics, which requires intensifying efforts and harnessing the potential to modernize the Algerian banking sector and improve the quality and delivery of banking services in order to increase financial inclusion.
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