Adoption and Analysis of Electronic Payment Methods in Algeria: A Case Study of Algérie Télécom (2022–2024)

Abstract

This study examines the adoption, usage patterns, and effectiveness of electronic payment systems within Algérie Télécom, one of Algeria’s largest public enterprises, between 2022 and 2024. Using an empirical, case study approach, the research analyzes internal transaction data across four major electronic payment channels—Baridimob, Edahabia, Carte Interbancaire (CIB), and Wimpay—to identify trends, user preferences, and institutional impacts on financial performance. The study contextualizes Algérie Télécom’s experience within the broader evolution of electronic payment systems both globally and domestically, emphasizing technological, behavioral, and regulatory dimensions. Findings indicate that the adoption of e-payment significantly increased during the post-pandemic period, driven by government initiatives and consumer familiarity with digital solutions. Among the observed methods, Baridimob and Edahabia emerged as the dominant channels in both transaction volume and monetary value, confirming the predominance of postal over banking systems in Algeria’s digital financial ecosystem. The research highlights that while digital transformation has advanced rapidly, persistent barriers remain—including infrastructural constraints, cybersecurity concerns, and cultural resistance to cashless transactions. Recommendations are proposed for policymakers, financial institutions, and telecom operators to strengthen e-payment infrastructure and enhance consumer trust