Digital transformation, financial inclusion and economic growth in Algeria for 1990-2020

التحول الرقمي، الشمول المالي والنمو الإقتصادي في الجزائر للفترة 1990-2020



Digital transformation, Financial inclusion, economic growth


This research aims to estimate the relation between digital transformation and financial inclusion (as two independent variables) and economic growth (as a dependent variable) in Algeria, during the period 1990-2020, based on general concepts of financial inclusion and digital transformation with their relation to economic growth, to derive these relations in the form of economic models to measure and attempt to project them on Algerian reality.  The results confirm a statistically significant correlation between digital transformation and financial inclusion in total deposits and economic growth.


Download data is not yet available.


Official newspaper.(2013).law n°13-08 of 30/12/2013 contaning the finance law of 2014.

United Nations Development Program in the Arab States.(2015). Date of refund 25 01, 2022, from

Bashar al iraki & Zahraa Ahmed.(2019).Financial inclusion and its impact on enhancing financial stability in Arab nations(27-28 june 2018).the second international scientific conference of Cihan University-Erbil Scientific Journal University, p p 106-107.

Bachari Selma.(2020).Digitalization development in Algeria for the period post covid-19.The CREAD’s journals, p 577.

Abderahaman Rachwan &Zeinab Kassem.(2021). Digitale transformation’s role in Financial services on enhancing financial inclusion to achieve durable development, p p 1-24.

Abderahman Mohamed hacen & Mohamed Ahmed Gobiri. (2020).The reality of the digital transformation of Saudi Arabia kingdom-An analytical study. Journel of science administrative and financial,p 15.

Council of Economic Unity of the League of Arab States and Arab Union for Digital Economy. (2020). Arab Digital Economy Index 2020. United Arab Emirates.

Mahmoud Mohamed kheiredine.(2019).The financial inclusion and its role of economic development.Alexandria.

Maarouf Houchiar.(2005).Macroconomic analysis.Amman.Jordanie.Safaa

Brahim- salem Yasmina & Yahia hadjer.(2021).Requirements for Enhancing Financial Inclusion-study of some Arab contries.Journal of economic’s study,p 123.

algeria, b. o. (2018, 02 14). Consulté le 02 15, 2022, sur

Baptiste, V. (1994). libéralisation financiére et développement économique:une revue critique de littérature. Revue d'économie financiére(29), 87-111.

Bourbonnais, r. (2015). économétrie,cours et exercices corrigés (éd. 9). paris, france: dunod.

Levine, r. (1997, 02). financial development and economic growth : views and agenda. journal of economic literature (35), 688-726.

OCDE. (2022). Consulté le 01 08, 2022

SATIM. (2022). Récupéré sur

UNDP. (2015).

Wakdok, S. S. (2020). The impact of financian Inclusion on Economiv Growth in Nigeria. International Journal of Business Innovation and Research, p. 237., 03 29).



How to Cite

بوشامي أ., & حداد م. (2022). Digital transformation, financial inclusion and economic growth in Algeria for 1990-2020: التحول الرقمي، الشمول المالي والنمو الإقتصادي في الجزائر للفترة 1990-2020 . JOURNAL OF AL MAYADINE AL IKTISSADIA , 5(1), 183-202. Retrieved from