DSpace University Ghardaia
DSpace is the repository platform that enable to share scientific product
Communities in DSpace
Select a community to browse its collections.
- Faculté des Sciences Economiques, Commerciales et des Sciences de Gestion
- Faculté de Droit et des Sciences Politiques
- Faculté des Lettres et des Langues
- Faculté des Sciences de la Nature et de la Vie et des Sciences de la Terre
- Faculté des sciences et technologies
Recent Submissions
متطلبات تطبيق تكنولوجيا التأمين في الجزائر دراسة حالة: دراسة منصة My Alliance التابعة لشركة أليانس للتأمين . الفترة: من 2025 إلى 2026
(جامعة غرداية, 2026-06-02) بكاير، عيسى
يُعد موضوع تكنولوجيا التأمين (InsurTech) من الموضوعات الحديثة التي برزت نتيجة التطور المتسارع لتكنولوجيات الإعلام والاتصال والتحول الرقمي الذي شمل مختلف القطاعات المالية والخدمية، ومن بينها قطاع التأمين. وتهدف هذه الدراسة إلى إبراز واقع تطبيق تكنولوجيا التأمين في الجزائر من خلال توضيح المفاهيم المرتبطة بالتأمين الرقمي، وبيان الفرق بين التأمين التقليدي والتأمين الرقمي، والتعرف على أهم التقنيات الحديثة المستخدمة في هذا المجال، لاسيما الذكاء الاصطناعي، وإنترنت الأشياء، وسلسلة الكتل، بالإضافة إلى دراسة الإطار التنظيمي والقانوني المنظم لقطاع التأمين الجزائري.
وانطلقت الدراسة من فرضية رئيسية مفادها أن تطبيق تكنولوجيا التأمين داخل شركات التأمين الجزائرية يتطلب توافر متطلبات تقنية وتنظيمية وبشرية تسمح بتبني الحلول الرقمية وتطوير الخدمات التأمينية. ولتحقيق أهداف الدراسة تم الاعتماد على المنهج الوصفي التحليلي في الجانب النظري، ومنهج دراسة الحالة في الجانب التطبيقي، من خلال دراسة منصة "MYALLIANCE" التابعة لشركة "ALLIANCE ASSURANCES" بالاعتماد على المقابلة كأداة رئيسية لجمع البيانات الميدانية وتحليل واقع تطبيق الخدمات الرقمية داخل الشركة.
وتوصلت الدراسة إلى أن شركة أليانس للتأمينات حققت تقدماً ملموساً في مجال رقمنة خدماتها من خلال منصة "MYALLIANCE" التي أتاحت للزبائن الاطلاع على عقود التأمين ومتابعة خدماتهم إلكترونياً، وأسهمت في تحسين التواصل مع العملاء وتبسيط بعض الإجراءات الإدارية. كما بينت الدراسة أن التطبيق الحالي لتكنولوجيا التأمين في الشركة ما يزال يتركز أساساً على رقمنة الخدمات وقنوات الاتصال، في حين لا تزال التطبيقات المتقدمة لتقنيات الذكاء الاصطناعي، وإنترنت الأشياء، وسلسلة الكتل في مراحل محدودة أو غير مطبقة بالشكل الكامل داخل البيئة التأمينية الجزائرية، وذلك نتيجة جملة من التحديات المرتبطة بالبنية التحتية الرقمية، ومستوى الثقافة الرقمية، ومتطلبات الأمن السيبراني والإطار التنظيمي.
كما أظهرت النتائج صحة الفرضيات المتعلقة بأهمية المتطلبات التقنية والتنظيمية والبشرية في إنجاح تطبيق تكنولوجيا التأمين، وأكدت أن منصة "MYALLIANCE" تمثل خطوة عملية نحو التحول الرقمي في قطاع التأمين الجزائري، مع الحاجة إلى تطويرها وتوسيع نطاق الخدمات والتقنيات الرقمية المتقدمة مستقبلاً.
Insurance Technology (InsurTech) has emerged as one of the most significant innovations driven by the rapid advancement of information and communication technologies and the ongoing digital transformation affecting financial and service industries worldwide, including the insurance sector. This study aims to examine the current state of InsurTech implementation in Algeria by exploring the concepts of digital insurance, highlighting the differences between traditional and digital insurance, and analyzing the role of modern technologies such as artificial intelligence, the Internet of Things, and blockchain in transforming insurance activities. The study also investigates the regulatory and legal framework governing the Algerian insurance sector.
The research was based on the assumption that the successful adoption of InsurTech within Algerian insurance companies depends on the availability of technical, organizational, and human requirements that facilitate digital transformation and improve insurance services. To achieve its objectives, the study employed a descriptive-analytical approach for the theoretical part and adopted a case study approach for the empirical investigation, focusing on the "MYALLIANCE" platform developed by "ALLIANCE ASSURANCES" Data were collected through interviews and an in-depth analysis of the platform's digital services.
The findings indicate that ALLIANCE ASSURANCES has made significant progress in digitalizing its services through the MYALLIANCE platform, which has enhanced customer interaction, simplified administrative procedures, and improved access to insurance services. However, the study reveals that the company's digital transformation remains primarily focused on service digitalization and communication channels, while advanced InsurTech applications, particularly those based on artificial intelligence, the Internet of Things, and blockchain technologies, are still limited or not fully implemented within the Algerian insurance environment.
Furthermore, the findings confirm the validity of the study's hypotheses regarding the importance of technical, organizational, and human requirements in supporting InsurTech adoption. The study concludes that the MYALLIANCE platform represents a promising step toward digital transformation in the Algerian insurance industry, although further efforts are required to expand the integration of advanced digital technologies and strengthen the supporting digital ecosystem
وكالة غرداية BADRBADRBADRBADR دوروسائل الدفع الإلكتروني في البنوك التجارية دراسة حالة بنك الفلاحة والتنمية الريفية
(جامعة غرداية, 2026) وانيل، حنان; سويلم، فاطمة الزهراء
أدت ثوة ر الإتصالات والمعمومات إلى بروز ظاه ة ر العولمة المصرفية، مما دفعت بالبنوك التجارية والمؤسسات
المالية إلى حتمية تطوير وتحديث وسائل الدفع عن طريق إدماج وسائل دفع جديدة تتميز بالفعالية والامان،
ألا وهي" وسائل الدفع الإلكترونية." وبالتالي أصبحت البنوك تقدم خدمات مصرفية " بالصيرفة الإلكترونية "،بأشكال
مختفلة تتلائم مع طبيعة العمليات والصفقاتالإلكترونية وذلك عبر عدة قنوات إلكترونية إلا أنها محاطة بالعديد
من المخاطر التي تقف عائق أمام تطو رهالابد من التصدي لها ومحاربتها من أجل تنفيذ المبادلات و الصفقات
الإلكترونية بفعالية و نجاحمن خلاله معرفة واقع تطبيق وسائل الدفع الإلكترونية في الج ا زئر وذلك من خلال
د ا رسة تطبيقية على مستوى الوكالة البنكية بنك الفلاحة و التنمية الريفية
L’évolution de la communication et de télécommunication a amener les banques et les institutions financiéres a opter pour le développement et modernisation des moyens de paiements par des opérations efficaces et rapide appeler (paiement électronique). Le volet pratique ma permet d'avoir une emple idée sur les méthodes utilisées pour les opérations des paiement électronique et ce suite a une étude de cas au niveau des services de la banque d’agriculture développement et rurale-BADR-GHARDAIA--البدر- غرداية-
اثر تطبيقات الدفع الالكتروني على رضا العملاء من خلال جودة الخدمات كمتغير وسبط دراسة حالة بريد الجزائر (وكالة غرداية )
(جامعة غرداية, 2026) أولاد مسعودغمار، زينب
تهدف هذه الدراسة الى معرفة دور و أثر تطبيقات الدفع الإلكتروني على رضا الزبون من خلال تبيان دور جودة الخدمة كمتغير وسيط وللإحاطة بالموضوع تناولنا في الجانب النظري المفاهيم الأساسية للدراسة من خلال تعريف تطبيقات الدفع الإلكتروني ؛ و تحديد أبعاد جودة الخدمات ؛ومفهوم رضا الزبون .أما في الجانب التطبيقي ؛ فقد تم اجراء دراسة حالة في مؤسسة بريد الجزائر -وكالة غرداية- .وقد تم الاعتماد على المنهج الوصفي كونه الأكثر ملائمة لتحقيق أهداف الدراسة ، ولترجمة هذا المنهج ميدانيا استعملنا الاستبيان كأداة رئيسية لجمع البيانات من عينة من الزبائن ، والتي تم تحليلها ومعاجلتها احصائيا بواسطة برنامجي R و SPSS وذلك خلال الفترة الزمنية الممتدة من18افريل الى غاية 15ماي لعام 2026 وقد خلصت الدراسة الى وجود أثر إيجابي ذو دلالة إحصائية لتطبيقات الدفع الإلكتروني بأبعادها(السهولة ،كفاءة الأداء ،الثقة ،و المنفعة المدركة) في تحقيق رضا العملاء ،مؤكدة تلبيتها لمتطلبات الخدمات كدور وسيط فعال في العلاقة، دون وجود أي فروق ذات دلالة إحصائية في إجابات أفراد العينة تعزى لخصائصهم الشخصية . وفي ضوء هذه النتائج اوصت الدراسة بضرورة مواصلة الاستثمار في البنية التحتية الرقمية وتعزيز أنظمة الحماية والأمنالسيبراني، مع تكثيف الحملات التوعوية وتدريب العاملين بما يضمن تقديم خدمات دفع الكترونية سريعة، امنة، ومستدامة تلبي احتياجات العملاءThis study aims to examine the role and impact of electronic payment applications on customer satisfaction by identifying the role of service quality as a mediating variable. To provide a comprehensive understanding of the topic, the theoretical section addresses the fundamental concepts of the study by defining electronic payment applications, identifying the dimensions of service quality, and explaining the concept of customer satisfaction. In the applied section, a case study was conducted at the Algerian Post Office—Ghardaïa Branch. A descriptive approach was adopted as it was deemed most appropriate for achieving the study’s objectives. To implement this approach in the field, a questionnaire was used as the primary tool for collecting data from a sample of customers. The data were analyzed and statistically processed using R and SPSS software during the period from April 18 to May 15, 2026. The study concluded that electronic payment applications—in their various dimensions (ease of use, performance efficiency, trust, and perceived benefit)—have a statistically significant positive impact on customer satisfaction, confirming that service quality serves as an effective mediating variable in the relationship. No statistically significant differences were found in the responses of the sample participants attributable to their personal characteristics. In light of these results, the study recommends continuing to invest in digital infrastructure and strengthening cybersecurity and protection systems, while intensifying awareness campaigns and employee training to ensure the provision of fast, secure, and sustainable electronic payment services that meet customer needs.
مساهمة الخدمات المالية الرقمية في تعزيز الشمول المالي دراسة حالة البنك الوطني الجزائري وكالة بريان بولاية غرداية - الفترة من أفريل إلى ماي 2026
(جامعة غرداية, 2026) بوتسونة، عائشة
هدفت هذه الد ا رسة إلى إب ا رز دور الخدمات المالية الرقمية في تعزيز الشمول المالي لدى
زبائن البنك الوطني الج ا زئري وكالة بريان بولاية غرداية في الفترة من أفريل إلى ماي 2026 ،
في ظل التحول الرقمي الذي يشهده القطاع البنكي، ومحاولة قياس طبيعة العلاقة بين
المتغيرين ، واعتمدت الد ا رسة على المنهج ال وصفي التحليلي وأداة الاستبيان، حيث تم جمع
البيانات من عينة مكونة من 35 زبونا، وتم قياس الخدمات المالية الرقمية من خلال أبعاد
تشمل الدفع عبر الإنترنت، السحب عبر الص ا رف الآلي، الدفع الإلكتروني، والأمان والثقة، في
حين تم قياس الشمول المالي عبر أبعاد الوصول، الاستخدام، الجودة، والثقة .
وتوصلت الد ا رسة إلى وجود مستوى إيجابي مرتفع نسبيا في إد ا رك الزبائن للخدمات المالية
الرقمية، إضافة إلى وجود علاقة ذات دلالة إحصائية بين الخدمات المالية الرقمية والشمول
المالي، مع تأثير إيجابي واضح لهذه الخدمات على تحسين استخدام الخدمات المالية وتوسيع
نطاق الاستفادة منهاThis study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing financial inclusion among financial inclusion among financial inclusion among financial inclusion among financial inclusion among financial inclusion among financial inclusion among financial inclusion among customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Br customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Br customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Br customers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brcustomers of the Algerian National Bank, Brriane ne Agency in Ghardaïa, Agency in Ghardaïa, Agency in Ghardaïa, Agency in Ghardaïa, Agency in Ghardaïa,Agency in Ghardaïa, Agency in Ghardaïa,Agency in Ghardaïa, Agency in Ghardaïa, during the period from April to May 2026 during the period from April to May 2026 during the period from April to May 2026 during the period from April to May 2026 during the period from April to May 2026during the period from April to May 2026 during the period from April to May 2026during the period from April to May 2026during the period from April to May 2026 during the period from April to May 2026 during the period from April to May 2026 during the period from April to May 2026during the period from April to May 2026 during the period from April to May 2026during the period from April to May 2026during the period from April to May 2026 during the period from April to May 2026 , in light of the in light of the in light of the in light of the in light of the in light of the in light of the ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine ongoing digital transformation in the banking sector, and to examine relationship between the two variablesrelationship between the two variablesrelationship between the two variables relationship between the two variables relationship between the two variables relationship between the two variables relationship between the two variablesrelationship between the two variables relationship between the two variables relationship between the two variables relationship between the two variables relationship between the two variablesrelationship between the two variables relationship between the two variables , The study adopteThe study adopteThe study adopteThe study adopteThe study adopteThe study adopte The study adopteThe study adopte d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical d a descriptive analytical approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust.was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust. was measured through the dimensions of access, usage, service quality, and trust.
The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness regarregarregar regarding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and expanding access to thexpanding access to th expanding access to th expanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to th expanding access to th em.
أثر التحول الرقمي في إدارة الموارد البشرية في المؤسسة الاقتصادية - دراسة حالة Algèrie Tèlècom
(جامعة غرداية, 2026-06-03) فنيش، يوسف إسلام
هدفت هذه الدراسة إلى معرفة أثر التحول الرقمي على وظائف إدارة المووارد البشورية ا ولتعور علوى مفهووم التحوول
الرقمي وأبعاده داخل المؤسسات وأيضوا دراسوة واقوع التحوول الرقموي في المؤسسوة محول الدراسوة، تحديود أهوم الفوائود
الوي تحققهوا الرقمنوة في مجوال إدارة المووارد البشورية والكشوف عون أبورز الصوعوبات والعوائوق الوي تواجوه المؤسسوة في
تطبيق التحول الرقمي، ومن اجل تحقيق اهدا الدراسة تم الإعتماد علوى مونه الوصوفي والمونه التحليلوي، ومون
اجول الإجابوة علوى إشوكالية الوي وضوعناه لدراسوتنا قمنوا بإسوتخدام أداة الإسوتبيان، حيو قمنوا بإعوداد الإسوتبانة
وقمنوا بتوزيعهوا علوى العواملن في مؤسسوة في مؤسسوة Algèrie Tèlècom وتحصولنا علوى 33 إسوتبانة قابلوة
للتحليول، ومون اجول تحليول إجوابات المووظفن والعموال إسوتخدمنا بورنام التحليول الإحصوائي spss ، وتوصولنا مون
خلال الى أن نجاح التحول الرقمي يحتاج إلى دعم إداري أكبر واستثمارات تقنية وبشرية أكثر فعالية ، إن مسوتوى
تطبيوق التحوول الرقموي داخول المؤسسوة موا يوزال متوسووط ا إلى ضوعيف نسووبيا ، خاصوة في أبعواد التقنيوات ورقمنوة
العمليوات، رغوم وجوود وعوي نسوي بأهميوة التحوول الرقموي لودى المووظفن ، ك موا توصولت الدراسوة الى مجموعوة مون
التوصويات أهمهوا ضورورة تعزيوز البنيوة التحتيوة الرقميوة داخول المؤسسوة وتطووير الأنظموة والتجهيوزات التكنولوجيوة
الحديثة وتكثيف برام التكوين والتدريب لفائدة الموظفن من أجل رفع مستوى الثقافة الرقمية لديهم