THE IMPACT OF INFORMATION TECHNOLOGY ON FINANCIAL INCLUSION: A STUDY ON A SAMPLE OF COMMERCIAL BANKS IN BATNA PROVINCE, ALGERIA

Objective: This study aims to examine the impact of information technology on financial inclusion, focusing on tools such as mobile applications, digital wallets, and online payment systems. The primary objective is to assess the extent to which these technologies enhance access to financial services. Theoretical Framework: The study is grounded in the concepts of financial inclusion and digital transformation in the banking sector. It draws upon theories of technological innovation and technology adoption, alongside prior research that emphasizes the role of digital tools in expanding financial access, particularly in developing regions. Method: A quantitative approach was employed. A structured questionnaire was distributed to a random sample of 50 employees from commercial banks in Batna Province, Algeria, with 43 valid responses collected (response rate: 86%). Data were analyzed using SPSS version 26, incorporating descriptive statistics, Cronbach’s alpha for reliability, correlation analysis, normality testing, and multiple linear regression. Results and Discussion: The findings indicate a significant and positive effect of online payment systems on financial inclusion, which emerged as the most influential factor. Although mobile applications and digital wallets also showed positive correlations with financial inclusion, their effects were not statistically significant in the regression model. These results suggest the need to address challenges such as adoption barriers and usability issues to fully realize the potential of these tools. Research Implications: The study provides practical and theoretical insights into how digital technologies can enhance financial inclusion within the regional banking sector. It highlights the need for improved digital infrastructure and user engagement to optimize the impact of technological tools. Originality/Value: This research fills a contextual gap by offering empirical evidence from Algeria on the relationship between information technology and financial inclusion. It contributes to the literature by emphasizing the central role of online payment systems and offers actionable recommendations for banking institutions aiming to advance inclusive finance through digital innovation.