Study Of The Impact Of Digitalization On The Financial Performance Of Algerian Banks

Abstract

Digitalization has become an essential lever in the banking sector. This research analyzes the impact of digital tools on the financial performance of the Banque Extérieure d’Algérie (BEA) during the period 2021–2024. Based on an econometric methodology, the study examines the relationship between financial indicators—ROA and ROE—and the use of digital services such as CIB cards, POS terminals, and the BEA Mobile application. The results reveal a moderately positive impact of certain tools (notably BEA Mobile) on profitability, while others (such as CIB cards) show no significant effect. This variability highlights the need for a strategic integration of technology to ensure profitable digitalization.