Digital banks in the Algerian banking system according to Law 23/09
Keywords:
digital banks, banking digitization, legal challenges, cybercrimesAbstract
Algeria has, in recent years, adopted a strategy aimed at embracing banking digitization through the implementation of electronic payment systems and digital banks. However, the adoption of artificial intelligence in the banking sector raises a legal issue regarding the effectiveness of the legislative and regulatory framework in accommodating these developments. The use of AI-based programs in the banking sector, such as fraud detection, risk analysis, and liquidity management, is essential for achieving the transition toward digital banks. Nevertheless, this transformation requires effective protection of the intellectual property rights related to these intelligent systems, particularly with regard to data protection and trade secrets. This represents a legal challenge in ensuring adequate protection for the smart systems used in digital banks in Algeria.
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