أثر التحول الرقمي على تطوير الخدمات المالية

Abstract

This study aims to highlight the impact of digital transformation on the development of financial services. To this end, it relies on the descriptive-analytical approach, using data collected through a questionnaire administered to employees of the Postal Unit Directorate in Mila.The findings indicate that digital transformation contributes significantly to the development of financial services. The study also shows that digital transformation, across its dimensions namely the technological dimension, structural changes dimension, financial dimension, and human resources dimension ( has an effect on the development of financial services in the Postal Unit Directorate in Mila. The study concludes that digital transformation has become a strategic necessity for financial institutions to improve services and enable the provision of digital financial services. However, success depends on strengthening digital infrastructure and developing human-resources skills, which in turn facilitates financial transactions and enhances the efficiency of their delivery