Digital Entrepreneurship Dynamics In The Era Of Financial Technology

Abstract

The study explores the dynamics of digital entrepreneurship amid the transformations brought by financial technology, with a particular focus on digital payment as an applied model within the Algerian context, through a case study of Guiddini. It aims to analyze the role of digital payment solutions in supporting entrepreneurial initiatives and promoting financial inclusion. The study adopts a descriptive-analytical approach, supported by a case study methodology, and includes comparative insights from international experiences such as Nigeria, India, and the UK to contextualize the findings. By examining how the company’s digital applications and platforms helped overcome traditional banking constraints and facilitated commercial transactions, the study situates Guiddini’s experience within a global trend of using fintech to empower entrepreneurship. The findings indicate that digital payment constitutes an effective enabler for entrepreneurs, and the Guiddini experience reflects the capacity of local innovation to deliver advanced digital solutions. The study recommends reinforcing digital infrastructure, modernizing legislative frameworks, and fostering partnerships between financial institutions and startups.