تطبيقات التكنولوجيا المالية ودورها في تحسين الكفاءة المصرفية دراسة حالة البنك الوطني الجزائري

Abstract

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