Electronic Means Of Payment In The World And In Algeria: Investigation Into The Factors Influencing The Use Of Withdrawal And Payment Cards

Résumé: With the growth of e-commerce on a global scale, we are witnessing the emergence and development of several electronic payment methods. The purpose of our contribution consists of analyzing the problematic of diffusion of electronic payments in the world and in Algeria. To do this, we first look at successful examples of electronic payments around the world. We then present the results of a survey on a sample of withdrawal and payment card users, in order to analyze the factors determining the use of electronic payments in Algeria. The results indicate that the use of electronic payments is influenced by individual, technological and cultural factors. Payment for purchases in cash nevertheless remains the rule, because the culture of electronic payments is not yet common in Algeria; the consumer uses their card mainly to withdraw money; few merchants have acquired electronic payment terminals.

Publié dans la revue: مجلة المنتدى للدراسات والابحاث الاقتصادية