علاقة التكنولوجيا المالية باستراتيجية الشمول المالي وانعكاسها على التنمية الاقتصادية –دراسة حالة المصارف العراقية والجزائرية

Abstract

The examination means to recognize the truth of monetary innovation in Algeria and its difficulties, especially with regard to the degree of safety, trust, ease of use, effectiveness, and the extent to which the bank’s customers respond with its tools, and to identify the procedures that banks can take to expand and spread their use in Algeria to enhance financial inclusion for all segments of society. Financial technology used by commercial banks is regarded as one of the most crucial elements enhancing the financial inclusion plan and subsequently fostering economic growth through the bank's contribution to the gross domestic product, which requires more attention and application because of its positive effects on economic development. The research recommended consolidating the idea of ​​financial technology to support financial inclusion and activate credit cards as a modern alternative to money by facilitating procedures for obtaining and dealing with these cards, and using electronic payment systems in banks to replace manual systems.