The Impact of Financial Technology Implementation on Banks’ Financial Performance: Case Study of Algerian People's Credit Bank (Cpa) from 2016 to 2020

Abstract

The study aims to highlight the role of financial technology in improving the financial performance of the Algerian People's Credit Bank (CPA) during the period from 2016 to 2020. To achieve the objectives of the study, the descriptive-analytical approach was used. Data collection methods included interviews. The statistical analysis was conducted using the EViews software (version 13). The study concluded that there is a moderate level of financial technology application at the CPA Bank. It also found a statistically significant relationship between financial technology and the financial performance of the bank. Additionally, the study revealed that the dimension of financial technology, represented by the development of transactions using Electronic Data Interchange (EDI), has an impact on the financial performance of the CPA Bank.