دراسة قياسية لأثر وسائل الدفع الإلكتروني و تكنولوجيا المعلومات و الإتصال على النشاط التجاري

Abstract

This research paper gives a full look at how electronic payment methods and information and communication technology (ICT) play a part in business work. It checks how the rise in mobile and land phone use, and the use of electronic payment methods-like bank cards and the count of cash machines (ATMs)-help grow the amount of trade in Algeria from 2003 to 2024. This research uses the Autoregressive Distributed Lag (ARDL) model. It finds a clear link between more ATMs, more mobile phone users, and higher business activity. In detail, if the count of ATMs goes up by 1%, trade volume may rise by about 12%. Similarly, a 1% boost in mobile phone sign-ups could lead to a 6.95% jump in trade.