مساهمة الخدمات المالية الرقمية في تعزيز الشمول المالي دراسة حالة البنك الوطني الجزائري وكالة بريان بولاية غرداية - الفترة من أفريل إلى ماي 2026

Abstract

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. 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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.