{"id":"https://openalex.org/W7220196100","doi":null,"title":"The impact of Financial technology on the Financial Solvency of Algerian banks for the period 2016-2024","display_name":"The impact of Financial technology on the Financial Solvency of Algerian banks for the period 2016-2024","publication_year":2026,"publication_date":"2026-05-17","ids":{"openalex":"https://openalex.org/W7220196100"},"language":"en","primary_location":{"id":"pmh:oai:ojs2.infoacceso.org:article/332","doi":null,"is_oa":true,"landing_page_url":"https://infoacceso.org/index.php/ri/article/view/332","pdf_url":"https://infoacceso.org/index.php/ri/article/download/332/324","source":{"id":"https://openalex.org/S7407075412","display_name":"Revista Infoacceso","issn_l":"2311-7605","issn":["2311-7605"],"is_oa":true,"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":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2311-7605","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://infoacceso.org/index.php/ri/article/download/332/324","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5150747081","display_name":"AMEL CHABANI","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210128965","display_name":"University Yahia Fares of Medea","ror":"https://ror.org/02e2yc259","country_code":"DZ","type":"education","lineage":["https://openalex.org/I4210128965"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"Chabani Amel","raw_affiliation_strings":["Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)","institution_ids":["https://openalex.org/I4210128965"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5006753291","display_name":"\u0646\u0628\u064a\u0644 \u0639\u0628\u062f\u0627\u0644\u0642\u0627\u062f\u0631 \u062d\u0645\u0627\u062f\u064a","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210128965","display_name":"University Yahia Fares of Medea","ror":"https://ror.org/02e2yc259","country_code":"DZ","type":"education","lineage":["https://openalex.org/I4210128965"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"Hamadi Nabil","raw_affiliation_strings":["Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)","institution_ids":["https://openalex.org/I4210128965"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5157229947","display_name":"Chikhtouami Aymen","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210128965","display_name":"University Yahia Fares of Medea","ror":"https://ror.org/02e2yc259","country_code":"DZ","type":"education","lineage":["https://openalex.org/I4210128965"]}],"countries":["DZ"],"is_corresponding":false,"raw_author_name":"Chikhtouami Aymen","raw_affiliation_strings":["Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Sustainable Local Development Laboratory, Yahya Fares University of Medea (Algeria)","institution_ids":["https://openalex.org/I4210128965"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210128965"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.83565749,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.7846999764442444,"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":0.7846999764442444,"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":0.17749999463558197,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.01759999990463257,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"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"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9950000047683716},{"id":"https://openalex.org/keywords/bank-solvency","display_name":"bank solvency","score":0.9409999847412109},{"id":"https://openalex.org/keywords/algerian-banks","display_name":"Algerian banks","score":0.9279999732971191},{"id":"https://openalex.org/keywords/atm","display_name":"ATM","score":0.890999972820282},{"id":"https://openalex.org/keywords/payment-terminals","display_name":"payment terminals","score":0.9980000257492065},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.8259999752044678},{"id":"https://openalex.org/keywords/bank-performance","display_name":"bank performance","score":0.7450000047683716}],"concepts":[{"id":"https://openalex.org/C2778215004","wikidata":"https://www.wikidata.org/wiki/Q1137437","display_name":"Solvency","level":3,"score":0.891700029373169},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.5913000106811523},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5636000037193298},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.5527999997138977},{"id":"https://openalex.org/C134697681","wikidata":"https://www.wikidata.org/wiki/Q1609677","display_name":"Clearing","level":2,"score":0.5356000065803528},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.5285000205039978},{"id":"https://openalex.org/C182306322","wikidata":"https://www.wikidata.org/wiki/Q1779371","display_name":"Order (exchange)","level":2,"score":0.49869999289512634},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4828000068664551},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.46869999170303345},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.42739999294281006},{"id":"https://openalex.org/C774472","wikidata":"https://www.wikidata.org/wiki/Q6760393","display_name":"Margin (machine learning)","level":2,"score":0.4052000045776367},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.4016999900341034},{"id":"https://openalex.org/C6175523","wikidata":"https://www.wikidata.org/wiki/Q11771027","display_name":"Net interest margin","level":4,"score":0.37459999322891235},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2994999885559082},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.27730000019073486},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.2768999934196472},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.27559998631477356},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.2574000060558319},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.2547000050544739}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs2.infoacceso.org:article/332","doi":null,"is_oa":true,"landing_page_url":"https://infoacceso.org/index.php/ri/article/view/332","pdf_url":"https://infoacceso.org/index.php/ri/article/download/332/324","source":{"id":"https://openalex.org/S7407075412","display_name":"Revista Infoacceso","issn_l":"2311-7605","issn":["2311-7605"],"is_oa":true,"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":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2311-7605","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ojs2.infoacceso.org:article/332","doi":null,"is_oa":true,"landing_page_url":"https://infoacceso.org/index.php/ri/article/view/332","pdf_url":"https://infoacceso.org/index.php/ri/article/download/332/324","source":{"id":"https://openalex.org/S7407075412","display_name":"Revista Infoacceso","issn_l":"2311-7605","issn":["2311-7605"],"is_oa":true,"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":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2311-7605","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"score":0.7207000255584717,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7220196100.pdf","grobid_xml":"https://content.openalex.org/works/W7220196100.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4396713964","https://openalex.org/W7215513425","https://openalex.org/W4380635257","https://openalex.org/W4408241705","https://openalex.org/W4405887594","https://openalex.org/W4402005090","https://openalex.org/W7171314186","https://openalex.org/W7106808081","https://openalex.org/W7204932462","https://openalex.org/W4410259327"],"abstract_inverted_index":{"This":[0],"study":[1,99,112,145,150],"aimed":[2],"to":[3,64,149,165,173],"identify":[4],"the":[5,11,18,25,35,39,43,50,68,85,90,98,102,128,131,144,147,156,170],"impact":[6],"of":[7,14,27,41,45,52,89,106,133,139,141,158],"financial":[8,12,28,69,73,107,125,153,159,167],"technology":[9,29,108,126,160],"on":[10],"solvency":[13,74,132],"Algerian":[15,56,134],"banks":[16,135,162],"during":[17],"period":[19],"2016-2024.":[20],"To":[21],"achieve":[22],"this":[23],"goal,":[24],"reality":[26,105],"in":[30,34,55,62,97,109,161,163,176],"Algeria":[31,177],"was":[32,95],"studied":[33],"applied":[36],"aspect":[37],"through":[38,155],"number":[40,44,51],"ATMs,":[42],"electronic":[46],"clearing":[47],"operations,":[48],"and":[49,66,79,83,104,119,127,151],"payment":[53],"terminals":[54],"banks.":[57],")":[58],"as":[59,75],"independent":[60],"variables,":[61],"addition":[63],"measuring":[65],"analyzing":[67],"performance":[70,103],"represented":[71],"by":[72,100],"a":[76,117,137],"dependent":[77],"variable,":[78],"then":[80],"estimating,":[81],"interpreting":[82],"testing":[84],"multiple":[86],"regression":[87],"model":[88],"study.":[91],"The":[92,111],"descriptive-analytical":[93],"approach":[94],"used":[96],"studying":[101],"Algeria.":[110],"found":[113],"that":[114],"there":[115],"is":[116],"positive":[118,122],"statistically":[120],"significant":[121],"relationship":[123],"between":[124],"improvement":[129],"ofImproving":[130],"at":[136,169],"margin":[138],"error":[140],"5%.":[142],"Therefore,":[143],"recommended":[146],"need":[148],"expand":[152],"inclusion,":[154],"use":[157],"order":[164],"access":[166],"services":[168],"lowest":[171],"cost":[172],"remote":[174],"areas":[175]},"counts_by_year":[],"updated_date":"2026-10-14T16:39:01.820549","created_date":"2026-10-05T00:00:00"}