Legal dimensions of adopting electronic signatures in digital banking in Algeria

Abstract

The financial services sector is among the main beneficiaries of recent developments in electronic identification and digital trust services, given the significant commercial opportunities these technologies offer and their tangible contribution to improving the quality of financial services. This study aims to analyze the legal framework governing electronic signatures in digital banks as a key instrument for enhancing trust and ensuring transaction security within the digital banking environment. The research is based on an analysis of comparative legislative texts and an examination of contemporary banking practices, with particular emphasis on their compliance with the requirements of legal certainty and evidentiary validity. The study concludes that the adoption of electronic signatures in digital banking constitutes an inevitable development for the banking sector, as they represent an effective legal tool that enhances trust in digital banking transactions by ensuring speed and efficiency while preserving full legal validity. The study further concludes that the Algerian legislator should take these modern uses into account by providing a legal framework regulating secure electronic identity verification mechanisms in order to support digital banking development and strengthen trust in electronic financial transactions.