IMPACT OF INFORMATION ON BANKING SERVICES

Rahem Lekhdiri

Abstract


This study examines the role of information technology in enhancing the quality of banking services, with a specific focus on Algerian financial institutions. The research outlines an intellectual framework highlighting the critical importance of utilizing information technology effectively to access and manage necessary data, which is fundamental for fostering a competitive advantage. The analysis emphasizes the increasing awareness of the role that human skills and intellectual capital play in the evolving future economy. These elements are identified as key factors for the successful development of organizations. However, the study acknowledges the challenges Algerian banks face in estimating the direct impact of information technology on performance. Success in the financial sector is not solely determined by adopting advanced technologies, but rather by their appropriate application and integration. A significant obstacle for Algerian banks is the lack of skilled professionals capable of leveraging these tools effectively. The findings highlight the need for targeted investments in human capital to elevate the quality of products and services to a level comparable with that of developed nations. The study concludes by stressing the strategic alignment of information technology with institutional goals as a pathway to achieving sustainable growth and competitive service delivery.


Keywords


Information technology, Banking services, Intellectual capital, Quality management, Skilled workforce.

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DOI: http://dx.doi.org/10.12709/mest.13.13.02.11

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