bouziane, fatiha, and hanna selmani. “The Problem of Developing E-Payment Systems in Algeria As an Entry Point for E-Commerce ”. Journal of Research in Finance and Accounting 9, no. 01 (December 24, 2025): 19–33. Accessed February 9, 2026. https://journals.univ-msila.dz/index.php/jorfa/article/view/3303.