Abdelkader, Souag, and Boudaoud Boumediene. “Analysis of Cybersecurity Factors for Digital Banking Services in Algeria: Field Study for Local Development Bank Client Sample (BDL) in Ghardaia”. International journal of economic perspectives 18, no. 11 (November 18, 2024): 2396–2415. Accessed October 17, 2025. http://ijeponline.org/index.php/journal/article/view/725.