Digital Finance in Algeria: Analyzing the Impact of COVID-19 on E-Banking Adoption

This study aims to analyze the impact of the COVID-19 pandemic on the development of electronic banking in Algeria, focusing on how the health crisis has accelerated the digital transformation of the banking sector and identify the challenges and opportunities associated with this transition in a specific Algerian context. The study uses a descriptive and analytical approach. It is based on statistical data to illustrate the evolution of electronic banking in Algeria. The analysis focuses on public policies, bank initiatives, and consumer behavior. The study reveals that the COVID-19 pandemic has significantly impacted the development of e-banking in Algeria. There has been a sharp increase in digital transactions, including bank transfers, electronic payments, and ATM withdrawals. Electronic banking has played a crucial role in ensuring the continuity of financial services during the lockdown periods. However, challenges persist in terms of security, financial inclusion, and the development of digital infrastructure.