{"id":"https://openalex.org/W2919263333","doi":"https://doi.org/10.54666/2334-000-004-006","title":"\u0636\u0631\u0648\u0631\u0629 \u0645\u0648\u0627\u0643\u0628\u0629 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u062d\u0627\u0644\u064a","display_name":"\u0636\u0631\u0648\u0631\u0629 \u0645\u0648\u0627\u0643\u0628\u0629 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u062d\u0627\u0644\u064a","publication_year":2018,"publication_date":"2018-01-01","ids":{"openalex":"https://openalex.org/W2919263333","doi":"https://doi.org/10.54666/2334-000-004-006","mag":"2919263333"},"language":"ar","primary_location":{"id":"doi:10.54666/2334-000-004-006","doi":"https://doi.org/10.54666/2334-000-004-006","is_oa":false,"landing_page_url":"https://doi.org/10.54666/2334-000-004-006","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0645\u062c\u0644\u0629 \u0634\u0639\u0627\u0639 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"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/A5024173417","display_name":"\u0648\u0631\u064a\u062f\u0629 \u0644\u0631\u062c\u0627\u0646","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":"\u0648\u0631\u064a\u062f\u0629 \u0644\u0631\u062c\u0627\u0646","raw_affiliation_strings":["\u062c\u0627\u0645\u0639\u0629 \u0623\u0645\u062d\u0645\u062f \u0628\u0648\u0642\u0631\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u062c\u0627\u0645\u0639\u0629 \u0623\u0645\u062d\u0645\u062f \u0628\u0648\u0642\u0631\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633","institution_ids":["https://openalex.org/I3121272148"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5037157724","display_name":"\u0645\u0631\u064a\u0645 \u0642\u0644\u0627\u0644","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":"\u0645\u0631\u064a\u0645 \u0642\u0644\u0627\u0644","raw_affiliation_strings":["\u062c\u0627\u0645\u0639\u0629 \u0623\u0645\u062d\u0645\u062f \u0628\u0648\u0642\u0631\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u062c\u0627\u0645\u0639\u0629 \u0623\u0645\u062d\u0645\u062f \u0628\u0648\u0642\u0631\u0629 \u0628\u0648\u0645\u0631\u062f\u0627\u0633","institution_ids":["https://openalex.org/I3121272148"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I3121272148"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"2","issue":"2","first_page":"86","last_page":"86"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.8417999744415283,"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":0.8417999744415283,"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":0.06729999929666519,"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":0.042399998754262924,"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":0.8539999723434448},{"id":"https://openalex.org/keywords/payment-systems","display_name":"payment systems","score":0.5799999833106995},{"id":"https://openalex.org/keywords/technological-change","display_name":"technological change","score":0.4480000138282776},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.41999998688697815}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2839721441268921}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.54666/2334-000-004-006","doi":"https://doi.org/10.54666/2334-000-004-006","is_oa":false,"landing_page_url":"https://doi.org/10.54666/2334-000-004-006","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0645\u062c\u0644\u0629 \u0634\u0639\u0627\u0639 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629","raw_type":"journal-article"},{"id":"mag:2919263333","doi":null,"is_oa":false,"landing_page_url":"https://www.asjp.cerist.dz/en/article/76940","pdf_url":null,"source":{"id":"https://openalex.org/S4306504085","display_name":"Beam Journal of Economic Studies","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":"Beam Journal of Economic Studies","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/W3087802925","https://openalex.org/W2912498831","https://openalex.org/W2987101434","https://openalex.org/W7135359673","https://openalex.org/W6885110905","https://openalex.org/W4411764571","https://openalex.org/W4407058079","https://openalex.org/W6964532033","https://openalex.org/W4401849831","https://openalex.org/W2612627023"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2019-03-11T00:00:00"}