{"id":"https://openalex.org/W2903799533","doi":null,"title":"\u0627\u0644\u0635\u064a\u0631\u0641\u0640\u0640\u0629 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0640\u0640\u0629- \u0627\u0644\u0648\u0627\u0642\u0640\u0640\u0639 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0640\u0640\u0627\u062a","display_name":"\u0627\u0644\u0635\u064a\u0631\u0641\u0640\u0640\u0629 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0640\u0640\u0629- \u0627\u0644\u0648\u0627\u0642\u0640\u0640\u0639 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0640\u0640\u0627\u062a","publication_year":2010,"publication_date":"2010-12-01","ids":{"openalex":"https://openalex.org/W2903799533","mag":"2903799533"},"language":"ar","primary_location":{"id":"mag:2903799533","doi":null,"is_oa":false,"landing_page_url":"https://www.asjp.cerist.dz/en/article/56351","pdf_url":null,"source":{"id":"https://openalex.org/S4306537455","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f","raw_type":null},"volume":null,"type":"article","indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5032940399","display_name":"\u0631\u0634\u064a\u062f \u0628\u0648\u0639\u0627\u0641\u064a\u0629","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210160578","display_name":"Universit\u00e9 Djilali Bounaama Khemis Miliana","ror":"https://ror.org/05n2gzs35","country_code":"DZ","type":"education","lineage":["https://openalex.org/I4210160578"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"\u0628\u0648\u0639\u0627\u0641\u064a\u0640\u0629 \u0631\u0634\u064a\u0640\u062f","raw_affiliation_strings":["\u0645.\u062c. \u062e\u0645\u064a\u0633 \u0645\u0644\u064a\u0627\u0646\u0629"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u0645.\u062c. \u062e\u0645\u064a\u0633 \u0645\u0644\u064a\u0627\u0646\u0629","institution_ids":["https://openalex.org/I4210160578"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5064723348","display_name":"\u0632\u0648\u064a\u062a\u0629 \u0645\u062d\u0645\u062f \u0635\u0627\u0644\u062d","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I3121272148","display_name":"University of Boumerdes","ror":"https://ror.org/02dveg925","country_code":"DZ","type":"education","lineage":["https://openalex.org/I3121272148"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"\u0632\u0648\u064a\u062a\u0629 \u0645\u062d\u0645\u062f \u0635\u0627\u0644\u062d","raw_affiliation_strings":["\u062c\u0627\u0645\u0639\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u062c\u0627\u0645\u0639\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633","institution_ids":["https://openalex.org/I3121272148"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.51389861,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"1","issue":"2","first_page":"143","last_page":"162"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9711999893188477,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9711999893188477,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.008100000210106373,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.007199999876320362,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/electronic-banking","display_name":"electronic banking","score":0.9890000224113464},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.593999981880188},{"id":"https://openalex.org/keywords/banking-challenges","display_name":"banking challenges","score":0.4909999966621399},{"id":"https://openalex.org/keywords/digital-banking-adoption","display_name":"digital banking adoption","score":0.5640000104904175}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2805907726287842}],"mesh":[],"locations_count":1,"locations":[{"id":"mag:2903799533","doi":null,"is_oa":false,"landing_page_url":"https://www.asjp.cerist.dz/en/article/56351","pdf_url":null,"source":{"id":"https://openalex.org/S4306537455","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W3121365802","https://openalex.org/W2788967369","https://openalex.org/W2907262469","https://openalex.org/W2341397027","https://openalex.org/W2793792508","https://openalex.org/W2948835081","https://openalex.org/W2953499401","https://openalex.org/W2924179514","https://openalex.org/W4411927575","https://openalex.org/W4411763036"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2018-12-22T00:00:00"}
