Résumé:
This study examines the impact of applying financial technology
on improving banking efficiency, with the National Bank of Algeria
selected as a case study. The research is divided into a theoretical and
a field study. The descriptive analytical method was adopted, and a
questionnaire was used to collect data and analyze the results. The
study concluded with several findings, the most important of which is
that financial technology applications have a positive impact on
improving banking efficiency at the National Bank of Algeria.
Furthermore, the results revealed a clear influence of these
applications on various dimensions of efficiency, including quality,
effectiveness, responsiveness, and control within the bank. Based on
the findings, several recommendations were proposed to decision-
makers in the National Bank of Algeria to enhance the adoption of
financial technology and improve operational efficienc
