Prospects for the Use of Fintech in the Algerian Banking Sector

A Field Study From an Employee's Point of View

Abstract

This research paper aims to study the prospects of the spread of the use of financial
technology at the level of the Algerian financial system. Through a survey study based on the
employee's point of view, considering the supremacy of the public nature of the sector on the one
hand, which is the most continuous element between the call of the official discourse to benefit
from the digital revolution, and the friction of the relative with the Algerian individual on the other
hand.
Moreover, through an exploratory study based on a descriptive curriculum supported by a
case study. In addition, rely on the interview with a sample of agency managers and Tire
employees. The study found that the employee's vision of the digital revolution is limited to the
digitization of payments and that it is the gateway to the rest of the operations. The study also
concluded that the complete picture of the respondents is not clear regarding the advanced form of
financial technology and its competitiveness with traditional banking service