الخلاصة:
ﻫﺪﻓﺖ ﻫﺬﻩ ﺍﻟﺪﺭﺍﺳﺔ ﺇلىﺇﺑﺮﺍﺯ ﺩﻭﺭﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲفي تحﺴين ﻭﺗﻌﺰﻳﺰ ﺍلخﺪﻣﺎﺕﺍلمﺼﺮﻓﻴﺔ، ﻭﺗﻘﻴﻴﻢ ﻭﺍﻗﻊﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ فيﺍلمﺼﺎﺭﻑ
ﺍﻹﺳﻼﻣﻴﺔ ﺍلجﺰﺍﺋﺮﻳﺔﻭﺍﻟﺘﺤﺪﻳﺎﺕ ﺍﻟتيﺗﻮﺍﺟﻬﻬﺎ،ﺑﺎﻟﺘﻄﺒﻴﻖ ﻋﻠﻰ ﻣﺼﺮﻑ ﺍﻟﺴﻼﻡ ﺍلجﺰﺍﺋﺮ، ﻭﺫﻟﻚ ﺑﺎﻻﻋﺘﻤﺎﺩ ﻋﻠﻰ ﺗﻘﺎﺭﻳﺮﺍﻟﺴﻨﻮﻳﺔ
ﻟﻠﻤﺼﺮﻑ.ﻭﻗﺪ ﺧﻠﺼﺖ ﺍﻟﺪﺭﺍﺳﺔ ﺇلى جمﻠﺔ ﻣﻦ ﺍﻟﻨﺘﺎﺋﺞ ﺃهمﻬﺎ:ﺍﻟﺒﻨﻮﻙ ﺍﻻﺳﻼﻣﻴﺔيمﻜﻨﻬﺎﺍﻻﺳﺘﻔﺎﺩﺓ ﻣﻦﺭﻗﻤﻨﺔﺍلمﺘﻮﺍﻓﻘﺔ ﻣﻊﺍﻟﺸﺮﻳﻌﺔ
ﺍﻹﺳﻼﻣﻴﺔ،ﻭﺑﺎﻟﺘﺎلي ﺗﺼﺒﺢ ﺍلخﺪﻣﺎﺕ ﺍلمﻘﺪﻣﺔ ﺗﻠبي ﺍﺣﺘﻴﺎﺟﺎﺕﺍﻟﻌﻤﻼﺀﻭﺑﺘﻜﻠﻔﺔ ﻣﻨﺨﻔﻀﺔ،ﺗﻘﺪيمﻣﺼﺮﻑ ﺍﻟﺴﻼﻡﺃهمﻴﺔﻛﺒيرﺓﻟﻠﺘﺤﻮﻝ
ﺍﻟﺮﻗﻤﻲ ﺿﻤﻦﺇﺳﺘﺮﺍﺗﻴﺠﻴﺘﻪ،ﺇﻻ ﺃﻧﻪ ﻫﻨﺎﻙ ﺑﻌﺾﺍﻟﺘﺤﺪﻳﺎﺕﺍﻟتي ﺗﻌﻴﻖﻣﻦ ﺗﻄﻮﺭﺍﻟﺒﻨﻮﻙ ﺍﻻﺳﻼﻣﻴﺔﻣﻨﻬﺎﺍﻟﻔﺠﻮﺓ ﺍﻟﺮﻗﻤﻴﺔ، ﻋﺪﻡ ﺗﻨﺎﺳﻖ
ﺍلمﻌﻠﻮﻣﺎﺕThis study aimed to highlight the role of digital transformation in improving and enhancing
banking services, and to evaluate the reality of digital transformation in Algerian Islamic banks and
the challenges they face, by applying it to Al Salam Bank Algeria, based on the bank’s annual
reports. The study concluded with a number of results, the most important of which are : Islamic
banks can benefit from digitization consistent with Islamic Sharia, and thus the services provided
meet customer needs at a low cost. AlSalam Bank provides great importance to digital
transformation within its strategy, but there are some challenges that hinder the development of
banks. Islamic issues include the digital divide and information asymmetry.
