Résumé:
Over the past few decades, the world has experienced significant technological advancements across various sectors, including finance. The financial sector has undergone a notable transformation, with a shift towards innovative technologies that offer cost-effective and efficient services. This has made the sector more adaptable to the diverse needs of society. Consequently, this study aims to examine the role of financial technology (fintech) in promoting financial inclusion by exploring its fundamentals and analyzing financial inclusion indicators in Algeria, drawing insights from the Indian experience.
In conclusion, the study highlights that fintech has the potential to effectively enhance financial inclusion if appropriate and effective strategies are implemented. However, despite the efforts made in Algeria to embrace fintech, there are still obstacles and challenges hindering the achievement of optimal levels of financial inclusion. These challenges include legal gaps in the fintech landscape and the reluctance of banks keep up with these technologies.
