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DR SALAH ELYAS
UDL- Sidi Bel Abbes

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Rsum
Le systme et les moyens de paiement d'une conomie reprsentent des
indicateurs majeurs de son fonctionnement. Pour cela,

les banques

apprhendent de plus en plus les enjeux lis la modernisation des moyens de

paiement et lui accordent une priorit

majeure. Les moyens de paiement

classiques sont devenus en effet peu efficaces dans une poque ncessitant une
grande clrit dans le traitement des transactions.
Le dveloppement technologique a permis de dvelopper

des

instruments de paiement lectroniques efficaces, moins chers, plus rapides et

dmatrialiss. Toutefois, un fonctionnement harmonis de ces nouveaux

instruments de paiement lectroniques ncessite un cadrage rglementaire de

haute scurit.
Notre pays a galement ralis depuis peu l'importance stratgique de cet
enjeu par la mise en place dinstruments de paiement lectroniques multiformes
notamment travers un processus d'automatisation large chelle des moyens
classiques de payement. La question qui se pose alors est de savoir si ces
moyens de paiement lectroniques seront vite appropris par les utilisateurs
algriens et sils peuvent supplanter compltement aux moyens traditionnels de
paiement.
 
 
 
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