The Impact of Digital Transformation on Data Privacy and Customer Relationship in Algerian Banks

Abstract

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.