The impact of digital transformation on the performance of Algerian banks

This study explores the role of digital transformation in enhancing the efficiency and performance of Algerian banks, with a particular focus on strategic, commercial, service quality and financial indicators as customers prioritize operational efficiency and ease of access to banking services, emphasizing the value of simplified procedures and improved access. A questionnaire was used to collect data from bank customers in the province of Saida, Algeria, providing insights into how digital transformation impacts operational efficiency, customer satisfaction and service innovation within the banking sector. The results reveal that digital transformation significantly enhances the performance of Algerian banks by improving quality, simplifying access to services and promoting innovative offerings that enhance competitive advantages and ensure continuity. Importantly, this study differs from previous Algerian research by prioritizing the customer perspective rather than relying solely on financial performance metrics. These findings provide actionable recommendations for Algerian banks, emphasizing the importance of digital transformation to meet evolving customer expectations and enhance the sector’s overall performance and competitiveness.