The Role of Electronic Payment Methods in Eliminating the Phenomenon of Bank Liquidity in Algeria

Abstract

This study examines the requirements for activating and developing electronic payment mechanisms as a means to reduce the banking liquidity crisis that affects the Algerian national economy, particularly in light of the ongoing global digital transformation. The study aims to analyze the relationship between electronic payment and banking liquidity, identify the obstacles hindering this transformation, and propose practical and comprehensive solutions. The importance of this topic lies in its relevance to a pressing issue that directly impacts citizens’ daily lives and influences the stability of the financial sector.

The study concludes that electronic payment is no longer an option but an urgent economic necessity to address the banking liquidity crisis, enhance transparency, and achieve financial inclusion. It also recommends strengthening cooperation among the three key sectors — government, private sector, and civil society institutions — to establish a secure and efficient digital environment that contributes to financial stability and economic growth.