Opportunities and Challenges of Integrating Financial Technology and Artificial Intelligence in Enhancing Financial Management Between the Theoretical Framework and the Practical Reality

Latifa Bekkouche (), Oualid Meraghni () and Zakaria Demdoum ()
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Latifa Bekkouche: University of El Oued, PEDAA Laboratory, Management Department
Oualid Meraghni: University of El Oued, Sustainable Economic Institutions Business Management Laboratory, Financial and Accounting Department
Zakaria Demdoum: University of El Oued, Financial and Accounting Department

A chapter in Proceedings of the International Conference on Artificial Intelligence Applications in Business Administration in MENA Region (ICAIABA 2026), 2026, pp 311-321 from Springer

Abstract: Abstract This study aims to clarify the conceptual and practical framework of the use of financial technology (FinTech) and artificial intelligence (AI), and to ex-amine their contribution to improving financial management (FM) and en-hancing the performance of the business sector. The study adopts a deduc-tive methodology by addressing the following research question: What is the current state of adopting financial technology and artificial intelligence to improve the performance of financial management in economic enterprises within the Algerian environment? The study is based on a questionnaire ad-ministered to a sample of 76 individuals from 14 small and medium-sized economic enterprises operating in the provinces of El Oued and Ouargla in 2025. The findings reveal a high level of awareness of the advantages and benefits derived from the applications of financial technology and artificial intelligence. However, these enterprises exhibit a low level of the necessary prerequisites for adopting such applications, in addition to facing a number of challenges with a noticeable impact.

Keywords: Financial Technology; Artificial Intelligence; Financial Management; Business sector (search for similar items in EconPapers)
Date: 2026
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DOI: 10.2991/978-94-6239-711-8_29

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