Digital Transformation in the Monetary and Banking Sector: “Digital Banks as a Model”

Abstract

Digital banks are among the most modern topics in the Algerian banking field in particular and the international one in general, due to the highly advanced systems and technologies on which they rely, enabling them to provide their services in the shortest time and at the lowest cost. This results in attracting a large number of customers and thus eliminating the problem of cash liquidity, leading to the achievement of sustainable economic growth. Through this paper, I aim to shed light on the legal framework of digital banks and the extent of its adequacy in addressing the legal and technical issues arising from the banking transactions they conduct.