البطاقات المصرفية وأثرها على الأداء المالي-دراسة قياسية للقطاع المصرفي الجزائري خلال الفترة (2008-2021)

Abstract

The following research paper aims to show the impact of bank cards on the financial performance of the Algerian banking sector during the period from 2008 to 2021. The quantitative standard approach is adopted through a simple regression model and using the statistical programs Spss20 and Eviews10. The number of bank cards in circulation was chosen as an independent variable and the rate of return on equity and the rate of return on assets as dependent variables. The researchers concluded that the number of bank cards in circulation has no positiveeffect on the rate of return on equity. However, the number of bank cards in circulation has noeffect on the rate of return on assets and has no positiveimpact on the financial performance of the Algerian banking sector