دور رقمنة الخدمات المصرفية في تحسين الاداء المالي للبنوك الجزايرية دراسة عينة من البنوك خلال الفترة2010-2022

Abstract

This study aims to analyze the impact of digitalization on the financial performance of banks, focusing on measuring the differences in financial performance before and after the implementation of digitalization and assessing the extent to which digitalization contributes to improving financial performance indicators. The study relies on the return on equity (ROE) model as a framework for evaluating the financial performance of the analyzed banks. The study adopts a descriptive and historical approach in the theoretical section to collect relevant information and employs an analytical approach in processing the data extracted from tables, reports, and financial statements. Data were collected from annual reports, financial statements, official websites, and the National Commercial Registry Center (CNRC) for a sample of three Algerian banks: the National Bank of Algeria, Al Salam Bank Algeria, and Al Baraka Bank Algeria, covering the period from 2010 to 2022. The Wilcoxon test was used to examine statistical differences and analyze financial performance before and after digitalization. Conducted in Algeria, the study analyzed the performance of a diversified sample of banks, including a public bank, a private bank, and a mixed-ownership bank. The findings revealed that digitalization had a significant positive impact on certain financial performance indicators, such as improvements in return on assets (ROA) and return on equity (ROE), although its effects on other indicators varied. The results also highlighted that the positive impact of digitalization on bank performance becomes more evident in the long term, as opposed to shorter periods where its effectiveness may not be as apparent The study opens avenues for further research into the impact of digitalization on other aspects, such as customer satisfaction and risk management, as well as evaluating its effects on financial performance in different banking sectors and financial markets.