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Les Services Bancaires A L'ere Du Digital : Analyse Theorique, Impacts Et Perspectives

Author

Listed:
  • Meriam MOUSSAHHIL

    (Faculté des sciences juridiques, économiques et sociales de Rabat Souissi)

  • Lekbira ELFADI

    (Faculté des sciences juridiques, économiques et sociales de Rabat Souissi)

Abstract

Aujourd'hui, le rôle que joue le digital dans le développement des services bancaires s'avère indéniable. Une course à l'introduction de nouvelles pratiques numériques est devenue un gage d'efficacité pour les banques. (Cherkaoui, 2020). Incontestablement, un des secteurs économiques le plus lourdement touché par ce phénomène est le secteur bancaire. Les banques proposent en effet un nombre croissant de services délivrés en ligne dont certaines étaient encore impossibles, ou tout de moins fort peu répandues, il y a quelques années. (Denoel, 2008). Le présent travail propose une étude théorique de l'impact des TIC et de la digitalisation des services bancaires sur les deux principaux acteurs en la matière, à savoir le client et la banque. En définitive, les résultats obtenus ont permis de démontrer que le digital représente l'une des plus importantes innovations technologiques dans le domaine des services bancaires, entrainant une transformation profonde de la relation entre le client et sa banque. Par conséquent, cette dernière se trouve alors dans l'obligation de s'adapter à ce changement en intégrant la dimension du digital dans la conception de son offre. Mots clés : Digitalisation - Services bancaires – Banque – TIC Abstract Today, the role of digital technology in the development of banking services is undeniable. A race to introduce new digital practices has become a guarantee of efficiency for banks (Cherkaoui, 2020). Undoubtedly, one of the most heavily impacted economic sectors by this phenomenon is the banking sector. Banks are offering an increasing number of online services, some of which were either impossible or very rare just a few years ago (Denoel, 2008). This work presents a theoretical study of the impact of ICT and the digitization of banking services on the two main stakeholders, namely the client and the bank. Ultimately, the results obtained have demonstrated that digital technology represents one of the most significant technological innovations in the field of banking services, leading to a profound transformation in the relationship between the client and the bank. Consequently, banks are compelled to adapt to this change by integrating digital dimensions into the design of their offerings. Keywords : Digitalization - Banking services – Banking – ICT

Suggested Citation

  • Meriam MOUSSAHHIL & Lekbira ELFADI, 2024. "Les Services Bancaires A L'ere Du Digital : Analyse Theorique, Impacts Et Perspectives," Post-Print hal-04649363, HAL.
    • Handle: RePEc:hal:journl:hal-04649363
    DOI: 10.5281/zenodo.12635819
    Note: View the original document on HAL open archive server: https://hal.science/hal-04649363
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