Résumé:
This research aims to explore how technological, social, and individual factors influence
Algerian user’s perceptions of security and privacy in digital banking, impacting their intention to
continue using digital banking applications. Analyzing data from 226 respondents, the research
reveals a direct connection between perceived mobile transaction security and the security of
mobile banking apps. It emphasizes the influence of security perception on user’s intent to
continue using digital banking apps. Additionally, social factors, privacy awareness, and the
effectiveness of privacy policies collectively shape perceived privacy risks in Algerian digital
banking. The study provides insights for Algerian digital banking users, enhances understanding
of digital banking practices in the country, and offers guidance to banking institutions and app
developers in improving security and addressing privacy concerns for Algerian users.
