خالدي, مريمعبيد, خديجة2025-06-252025-06-252025http//localhost:8080/jspui/handle/123456789/12776This study examines the impact of applying financial technology on improving banking efficiency, with the National Bank of Algeria selected as a case study. The research is divided into a theoretical and a field study. The descriptive analytical method was adopted, and a questionnaire was used to collect data and analyze the results. The study concluded with several findings, the most important of which is that financial technology applications have a positive impact on improving banking efficiency at the National Bank of Algeria. Furthermore, the results revealed a clear influence of these applications on various dimensions of efficiency, including quality, effectiveness, responsiveness, and control within the bank. Based on the findings, several recommendations were proposed to decision- makers in the National Bank of Algeria to enhance the adoption of financial technology and improve operational efficiencotherThesis