Abstract :From this study we want to clarify how the information technologycan serve in the financial companies and banks especially in a digital economy characterized by the competitive superiority. therefore,it seems imperative to guide efforts in the rehabilitation and training to create a good generation capable to upgrade the process of institutionnel development and improve the productivity of the financial enterprises ,through a focus on knowledge of informatics.
According to the results of this study ; a vital question imposes itself as the following : How it is possible to consolidate the banks’ compitivity relying on the information technology?
The key words : the competitivity , the information technology ,the digital economy ,the banks… HAMIDI.ABDO@YAHOO.FR
) 1 ( Technology 2 Techno Logy ) 3 ( (1) 1990 15 (2) 2003 53 (3) 2002 253 ) 1 ( ) 2 ( ) 3 ( ) 4 ( 01 01 ) 5 ( (1) 2005 20 (2) 2005 17
(3)www . palmoon . net/5/topic7686108. htm consulté le14042009
(4)J . Heizer, production and operations (NEW YORK : prentichall,2001) p280
(5)
:www . jpsdir .com/Forum/forumposts . asp?TID1894consulté le23/05/2010;
ﺎﯿﺟﻮﻟﻮﻨﻜﺗ تﺎﻣﻮﻠﻌﻤﻟا Information technology ﻞﺋﺎـــــــــــﺳو -ﺞﻣاﺮـــــــــــــﺑ تاﺰﯿﮭﺠــــــــــــﺗ – تﺎﻜـــــــــــﺒﺷ -تﺎﻜﺒــــــــــــــﺷ . – تﺎﻣﻮﻠﻌـــــــﻤﻟا ةزﺎﯿــــــــــــﺣ ﻊﯿـــــــﻤﺠﺗ ﻦﯾﺰــــــــــــﺨﺗ ـ -ﺔﺠﻟﺎﻌــــــــــﻣ ﻖﯿﺴــــــــــــﻨﺗ -ﺮــــــــــــــﺸﻧ ﺔﯾﺮﺸﺑ دراﻮـــــــــــــــــــﻣ فرﺎﻌــــــــــــــــــــــﻣ ـ تاءاﺮـــــــــﺟا ـ
) 1 ( 01 (1) 2007 57
Bar Code Scanner Floppy disk Hard disk Optical disk CD Rom FlashMemory) 2004 25 01 Commerce M C D
) 1 ( Plastic cards ATM ) 2 ( ) 3 ( Smart cards (1) 15 16 2005 4 (2) 34 2002 34 (3)
) 1 ( Electronic cash ) 2 ( ) 3 ( Electronic check ) 4 ( Home banking
Mobile phone banking
(1) 06 2009 214 (2) 214 (3) 2002 63 (4) 2 2008 73
) 1 ( Interactive Tv banking ) 2 ( ) 3 ( (TFE) Internet banking 1990 ) 4 ( 1997 ) 5 ( (1) 2007 337 (2) (3) 14 15 2004 322
(4)WELLS FARGO BANK
) 1 ( ) 2 ( ) 3 ( ) 4 ( (1) 2001 32 (2) 57 (3) 57 (4) 11 2010 37
) 1 ( ) 2 ( ) 3 ( Privacy Private Dial ups Coded Data ) 4 ( ) 5 ( (1) 336 (2) 06 (3) 336 (4) 15 04 2007 55 (5) 337
) 1 ( 02 OECD 2001 34 multimedia service (1) 34 0 % 1 0 % 2 0 % 3 0 % 4 0 % 5 0 % 6 0 % 7 0 % 8 0 % ﺔ ﯾﺰ ﯿﻠﺠ ﻧﻻ ا ﺔ ﻐ ﻠﻟا ﺔ ﯿﻧﺎﺑﺎﯿﻟاا ﺔ ﻐ ﻠﻟا ﺔ ﯿﻧﺎﻤ ﻟﻷ ا ﺔ ﻐ ﻠﻟا ﺔ ﯾﺪﯾﻮ ﺴ ﻟا ﺔ ﻐ ﻠﻟا ى ﺮ ﺧ ﻷ ا ت ﺎﻐ ﻠ ﻟ ا S é r i e 1
telecommunications infrastructure ) 1 ( ) 2 ( 1990 2000 2000 (1) 2000 22 23 (2) 2009 125 126