{"id":"https://openalex.org/W2911828342","doi":null,"title":"\u0642\u0631\u0627\u0621\u0629 \u0641\u064a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a- \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0646\u0645\u0648\u0630\u062c\u0627-","display_name":"\u0642\u0631\u0627\u0621\u0629 \u0641\u064a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a- \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0646\u0645\u0648\u0630\u062c\u0627-","publication_year":2016,"publication_date":"2016-12-31","ids":{"openalex":"https://openalex.org/W2911828342","mag":"2911828342"},"language":"ar","primary_location":{"id":"mag:2911828342","doi":null,"is_oa":false,"landing_page_url":"https://www.asjp.cerist.dz/en/article/71722","pdf_url":null,"source":{"id":"https://openalex.org/S4306537504","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0634\u0631\u0627\u0641 \u0644\u0644\u0628\u062d\u0648\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a","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\u062a\u0646\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0634\u0631\u0627\u0641 \u0644\u0644\u0628\u062d\u0648\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a","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/A5024547981","display_name":"\u0627\u0628\u0648\u0628\u0643\u0631 \u0633\u0627\u0644\u0645","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210155582","display_name":"Centre Universitaire de Mila","ror":"https://ror.org/05s3cw058","country_code":"DZ","type":"education","lineage":["https://openalex.org/I4210155582"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"\u0627\u0628\u0648\u0628\u0643\u0631 \u0633\u0627\u0644\u0645","raw_affiliation_strings":["\u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u062c\u0627\u0645\u0639\u064a \u0645\u064a\u0644\u0629"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u062c\u0627\u0645\u0639\u064a \u0645\u064a\u0644\u0629","institution_ids":["https://openalex.org/I4210155582"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5034252083","display_name":"\u0622\u0645\u0646\u0629 \u0642\u0627\u062c\u0629","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u0642\u0627\u062c\u0629 \u0627\u0645\u0646\u0629","raw_affiliation_strings":["\u062c\u0627\u0645\u0639\u0629 \u0648\u0631\u0642\u0644\u0629"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u062c\u0627\u0645\u0639\u0629 \u0648\u0631\u0642\u0644\u0629","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"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":0.41430131,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"1","issue":"1","first_page":"42","last_page":"56"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.8779000043869019,"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":0.8779000043869019,"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":0.07680000364780426,"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/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.016599999740719795,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/electronic-payments","display_name":"digital payments","score":0.7689999938011169},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.4580000042915344}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.26381975412368774}],"mesh":[],"locations_count":1,"locations":[{"id":"mag:2911828342","doi":null,"is_oa":false,"landing_page_url":"https://www.asjp.cerist.dz/en/article/71722","pdf_url":null,"source":{"id":"https://openalex.org/S4306537504","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0634\u0631\u0627\u0641 \u0644\u0644\u0628\u062d\u0648\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a","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\u062a\u0646\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0634\u0631\u0627\u0641 \u0644\u0644\u0628\u062d\u0648\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W3110867116","https://openalex.org/W3039154146","https://openalex.org/W2971801219","https://openalex.org/W2797774666","https://openalex.org/W11285192","https://openalex.org/W7162248154","https://openalex.org/W2733512580","https://openalex.org/W2983857918","https://openalex.org/W2920613679","https://openalex.org/W4411764571"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2019-02-21T00:00:00"}