ELECTRONIC PAYMENTS IN ALGERIA: BETWEEN PRACTICE AND CONFRONTATIONAL APPROACHES

Abstract

Given the importance of electronic payment methods in the promotion and development of electronic banking, many countries have paid attention to this aspect by preparing all the necessary conditions and providing all the necessary material and human resources. This is in order to address the issue of information security and the increasing risks associated with electronic payments, which can be classified into organisational, security or operational risks, as well as risks caused by third parties or consumers themselves. There are also legal risks associated with electronic payments, and efforts have been made to protect against them.

In this context, various legislations, including the Algerian legislation, have issued a number of laws related to electronic signatures and certification, despite the existence of some shortcomings and difficulties that need to be overcome as soon as possible to reach the level of developed countries.