The impact of Financial technology on the Financial Solvency of Algerian banks for the period 2016-2024

Abstract

 This study aimed to identify the impact of financial technology on  the financial solvency of Algerian banks during the period 2016-2024. To achieve this goal, the reality of financial technology in Algeria  was  studied  in the applied aspect through the number of  ATMs, the number of electronic clearing operations, and the number of payment terminals  in  Algerian banks. ) as independent variables, in addition to measuring and analyzing the financial performance represented  by financial solvency as a dependent variable, and then estimating, interpreting and testing the multiple regression model of the study. The descriptive-analytical approach was used in the study by studying the performance and reality of financial technology in Algeria. The study found that there is  a positive and statistically significant  positive relationship between financial technology and the improvement ofImproving the solvency of Algerian banks at a margin of error of 5%. Therefore, the study recommended the need to study and expand financial inclusion, through the use of financial technology in banks in order to access financial services at the lowest cost to remote areas in Algeria