2 research outputs found

    Measuring the customer’s perception of the use of financial technology in Algerian Islamic Banks

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    Financial technology has emerged as one of the main factors that changed the way the financial and banking industry works, and its use has been enhanced in the financial industry around the world, stemming from the increasing spread of innovative banking services that are characterized by high efficiency and low costs. Particularly for the sizable portion of society that does not interact with the banking system, financial technology has the potential to transform the structure of financial services and make them faster, less expensive, and safer. The hypothesis model is based on technology acceptance model (TAM). The methodology in this study includes data collection through questionnaires distributed to the users of financial technology, and the sample included the users and nonusers of mobile financial services. Structural equation modeling is utilized for data analysis procedures when using survey data gathered from 300 customers who have access to financial technology services in Algerian Islamic banks. The objective of this study is to determine the factors (including perceived usefulness, perceived ease of use, per-ceived risk, trust, convenience, and social image) influencing user intention to use financial technology services in Algerian Islamic banks. The implications of this research help to determine the right strategy to know the customers’ perceptions and the factors influencing their choice of using mobile banking services. This study can be extended to future studies that include Islamic banks and conventional banks in Algeria. The study is in progress

    The customer’s perception towards Islamic and conventional banks in Algeria

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    This study aims to know the perception of customers towards Islamic and conventional banks in Algeria, and to help banks operating in Algeria focus on the most important factors for customers, improve their ways of dealing with customers, and focus on these standards in its promotional program to reach the target segment. In order to achieve this, the researcher has chosen a random sample of (203) size from customers of Islamic and conventional banks in Algeria, the questionnaire was approved to collect data, and it was subject to honesty and reliability standards. The researcher used one approach to analyze the results of the research; the first is the descriptive analytical approach to answer the research question. The study reached several results, the most important of which are the following: 1. The majority of customers are fully aware of the principle of Islamic and conventional banking in Algeria. They were able to answer all the questions related to customer perception, which indicates their good understanding of the Islamic and conventional banking principle. In other words, the higher the awareness, the more effective the customer awareness of Islamic and conventional banks