دور وسائل الدفع و السحب الإلكتروني في تحسين جودة الخدمات المالية و البريدية دراسة عينية لزبائن بريد الجزائر بلغيزان

Abstract

ﺪﻑﻫﺬﻩ ﺍﻟﺪﺭﺍﺳﺔ ﺇلىﻣﻌﺮﻓﺔﺩﻭﺭﻭﺳﺎﺋﻞ ﺍﻟﺪﻓﻊ ﻭﺍﻟﺴﺤﺐ ﺍﻹﻟﻜﺘﺮﻭنيفي تحﺴين ﺟﻮﺩﺓ ﺍلخﺪﻣﺎﺕ ﺍلمﺎﻟﻴﺔ ﺍﻟبرﻳﺪﻳﺔ، ﺣﻴﺚ ﺃﻥ ﻫﺬﻩ ﺍﻷﺧيرﺓ تحﻈﻰ ﺑﺪﺭﺟﺔ ﻋﺎﻟﻴﺔ ﻣﻦ ﺍﻻﻫﺘﻤﺎﻡ ﻣﻦ ﻃﺮﻑ ﺍﻟﺴﻠﻄﺎﺕ ﺍﻟﻌﻠﻴﺎ في ﺍﻟﺒﻼﺩ،ﻣﻦ ﺃﺟﻞ ﻋﺼﺮﻧﺔ ﻗﻄﺎﻉ ﺍلخﺪﻣﺎﺕﺑﺼﻔﺔ ﺧﺎﺻﺔ ﻭﺍﻻﻗﺘﺼﺎﺩ ﺑﺼﻔﺔ ﻋﺎﻣﺔ،ﻭﻣﻦ ﻷﺟﻞ ﺫﻟﻚ تم ﺍﻻﻋﺘﻤﺎﺩ ﻋﻠﻰ ﺍلمﻨﻬﺞ ﺍﻟﻮﺻﻔﻲ ﺍﻟﺘﺤﻠﻴﻠﻲ ﻭﺍﺳﺘﺨﺪﺍﻡ ﺍﻻﺳﺘﺒﻴﺎﻥ ﻟﻠﺘﻮﺻﻞ ﺇلى ﻣﺪﻱ ﺗﺄﺛير ﻭﺳﺎﺋﻞ ﺍﻟﺪﻓﻊ ﺍﻻﻟﻜﺘﺮﻭني ﻋﻠﻰ ﺟﻮﺩﺓ ﺍلخﺪﻣﺎﺕ ﺍلمﺎﻟﻴﺔفي ﺑﺮﻳﺪ ﺍلجﺰﺍﺋﺮ، ﻭﻣﻦ ﺃﻫﻢ ﺍﻟﻨﺘﺎﺋﺞ ﺍلمﺘﻮﺻﻞ ﺇﻟﻴﻬﺎ ﻫﻲﺗﺆﺛﺮ ﻭﺳﺎﺋﻞ ﺍﻟﺪﻓﻊ ﺍﻹﻟﻜﺘﺮﻭنيﺑﺎﻹيجﺎﺏ ﻋﻠﻰ ﺟﻮﺩﺓ ﺍلخﺪﻣﺎﺕ ﺍلمﺎﻟﻴﺔ ﺍﻟبرﻳﺪﻳﺔ ﺍﻟتي ﺗﻘﺪﻣﻬﺎ ﻣﺆﺳﺴﺔ ﺑﺮﻳﺪ ﺍلجﺰﺍﺋﺮ ﻣﻦ ﺟﺎﻧﺐ ﺑﻌﺪ ﺍلمﻠﻤﻮﺳﻴﺔ، ﺍﻻﻋﺘﻤﺎﺩﻳﺔ، ﺍﻻﺳﺘﺠﺎﺑﺔ،ﺍﻷﻣﺎﻥ، ﻭﺃﻳﻀﺎﻫﻨﺎﻙ ﻣﺸﻜﻞ ﺛﻘﺔ في ﺗﻄﺒﻴﻖ ﺍلهﺎﺗﻒ ﺍﻟﻨﻘﺎﻝ"ﺑﺮﻳﺪﻱﻣﻮﺏ"ﺧﻮﻓﺎ ﻣﻦ ﺍﻻﺧﺘﺮﺍﻕ ﻭﺍﻟﻘﺮﺻﻨﺔThe present paper aims to explore the importance of electronic payment methods and withrawls in improving the quality of postal financial services. Rather, they are of paramount importance to the higher authorities in the country, so that both the service sector, in particular, and the economy, in general, can be modernized. For this purpose, a descriptive analytical approach has been adopted in this study in which a questionnaire has been accordingly employed to ensure that the results presented by the informants are valid and reliable. In the light of the findings of this research work, it has been figured out that the electronic payment methods greatly affect the quality of postal financial services provided byAlgeria Post, in terms of reliability, responsiveness and security. However, BARIDIMOB, a mobile application, seems to be untrustworthy to be regularly used and also it can be easily hackered .