Electronic payment as an accelerator of digital financial inclusion: The case of Algeria (2016-2025)

Abstract

This paper analyzes the growing role of electronic payment (e-payment) as an accelerator of digital financial inclusion in Algeria over the period 2016-2025. Employing a mixed-methods approach combining documentary analysis of statistical data from the GIE Monetique with a review of international literature, this research highlights the growth dynamics of e-payment, its institutional and technological determinants, and its effects on expanding access to financial services. The results reveal increased growth in electronic transactions, the rise of online payments, and the increase in mobile payments and P2P transfers. However, significant structural constraints persist, such as the predominance of the informal economy, the low density of micro-enterprises, and weak technological infrastructure. This study contributes to the literature on digital financial inclusion by highlighting some public policy recommendations adapted to the Algerian context.