Abstract

Our work attempts to shed light on a conceptual approach related to the IBC (Inter Bank Card) on the one hand and on the other hand to highlight some elements of reflection on electronic banking in Algeria punctuated by an empirical study: The practical case in subject attempts to identify the factors that cause owners or holders of the IBC interbank withdrawal and payment card to continue to withdraw their money at bank counters and not through the ATMs (Automated Teller Machine). And this, through a qualitative and quantitative study carried out with a sample of 40 individuals holding the interbank card at the BEA-bank level. The main objective of our research is to be part of the modernization of payment means in Algeria.