معداوي, نجية2019-02-132019-02-132018-03http://dspace.univ-msila.dz:8080//xmlui/handle/123456789/7549This study dealt with the concept of electronic money which emerged as a result of the revolution of technology and the spread of e-commerce phenomenon and as a tool of fulfillment, the latter imposed on various banking and non-bank institutions to deal with electronic money, which had advantages and risks to the borrowers in the money market took into account.money, e-commerce, payment methods, risk.Article