مجلة دفاتر اقتصادية
Volume 15, Numéro 1, Pages 17-34
2024-05-20
The Effect Of The Electronic Government Indices On Strengthening The Financial Inclusion In Algeria: Econometric Study During 2005-2022
Authors : Zouaouid Lazhari . Benchaa Oualid .
Abstract
This study aims at showing the effect of the electronic government indices on strengthening the financial inclusion. In so doing, we study the effect of the independent variable (electronic government) with its dimensions (the online service OSI, the telecommunication infrastructure index TII, and the human capital index HCI) on the independent variable (the financial inclusion) with its variables (the growth of the commercial banks branches GrCBB and the growth of the automatic teller machines GrATMs) during 2005-20222. The study uses the analytical descriptive method and ARDL model according to Eviews 10 to test the hypotheses. Findings of the statistical analysis and of hypotheses testing show a positive significant effect for the TII and HCI on GrCBB, and no significant effect for OSI during the study period. Besides, TII and HCI have a positive significant effect on GrATMs. Moreover, there is a negative significant effect for OSI on GrATMs during the study period. In the end, the study recommends boosting the use of the online services, encouraging the private companies to develop innovative digital financial services and applications, and facilitating partnerships between the government and technological companies to support the technical development.
Keywords
Electronic government, Financial inclusion, Online service, Telecommunications infrastructure, ATMs.
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