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\u0627\u0644\u0628\u064a\u0626\u064a\u0629.<br>\ud83d\udd39\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u062a\u0627\u0633\u0639: \u062f\u0648\u0631 \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u064a\u0629 \u0641\u064a \u062f\u0639\u0645 \u0646\u0645\u0648 \u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/p>\n\n\n\n<p>\ud83d\udca0 \u0625\u062e\u062a\u062a\u0645 \u0647\u0630\u0627 \u0627\u0644\u0645\u0644\u062a\u0642\u0649 \u0627\u0644\u0639\u0644\u0645\u064a \u0628\u062c\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0627\u0647\u0645\u0647\u0627:<br>\ud83d\udd39 \u0625\u0639\u062f\u0627\u062f \u0625\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0648\u0637\u0646\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 PME \u062a\u0631\u062a\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u060c \u0627\u0644\u0631\u0642\u0645\u0646\u0629\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u0644 \u0646\u062d\u0648 \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0639\u0631\u0641\u0629.<br>\ud83d\udd39 \u062a\u062d\u0641\u064a\u0632 \u0631\u0642\u0645\u0646\u0629 PME \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u0639\u0645 \u062a\u0642\u0646\u064a\u060c \u0645\u0646\u0635\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0648\u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<br>\ud83d\udd39 \u062a\u0639\u0632\u064a\u0632 \u0622\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0643\u0640 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u0634\u0627\u0631\u0643\u064a\u060c \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062c\u0631\u064a\u0621\u060c \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 FinTech.<br>\ud83d\udd39 \u0625\u0634\u0631\u0627\u0643 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0641\u064a \u062f\u0639\u0645 PME \u0639\u0628\u0631 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 (RSE) \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0643\u0648\u064a\u0646 \u0648\u0627\u0644\u0645\u0646\u0627\u0648\u0644\u0629.<br>\ud83d\udd39 \u062a\u062b\u0645\u064a\u0646 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0628\u0634\u0631\u064a \u0648\u0627\u0644\u0645\u0639\u0631\u0641\u064a \u062f\u0627\u062e\u0644 PME \u0628\u062f\u0639\u0645 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0641\u062a\u0648\u062d \u0648\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.<br>\ud83d\udd39 \u062f\u0645\u062c \u0631\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a\u060c \u0648\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u0639\u0644\u0645\u064a \u0644\u062d\u0644 \u0645\u0634\u0643\u0644\u0627\u062a \u0627\u0644\u0633\u0648\u0642.<br>\ud83d\udd39 \u062a\u0648\u0633\u064a\u0639 \u0634\u0628\u0643\u0629 \u0627\u0644\u062d\u0627\u0636\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u0631\u0639\u0627\u062a \u0648\u062a\u0648\u0641\u064a\u0631 \u0628\u064a\u0626\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0645\u0627\u0644\u064a\u0629 \u0645\u0631\u0646\u0629 \u0644\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0646\u0627\u0634\u0626\u0629.<br>\ud83d\udd39 \u062a\u0633\u0631\u064a\u0639 \u0631\u0642\u0645\u0646\u0629 \u0645\u0633\u0627\u0631\u0627\u062a \u0625\u0646\u0634\u0627\u0621 \u0648\u062a\u0645\u0648\u064a\u0644 \u0648\u062a\u0635\u0631\u064a\u062d PME \u0644\u062a\u0642\u0644\u064a\u0635 \u0627\u0644\u0628\u064a\u0631\u0648\u0642\u0631\u0627\u0637\u064a\u0629.<br>\ud83d\udd39 \u062a\u0637\u0648\u064a\u0631 \u0642\u0627\u0639\u062f\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629 \u0644\u062f\u0639\u0645 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u0635\u064a\u0627\u063a\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a.<br>\ud83d\udd39 \u0625\u0646\u0634\u0627\u0621 \u0645\u0646\u0635\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u062c\u0627\u0645\u0639\u0627\u062a \u0648PME \u0644\u062a\u062d\u0648\u064a\u0644 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0628\u062d\u062b \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695859809-1024x683.jpg\" alt=\"\" class=\"wp-image-3637\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695859809-1024x683.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695859809-300x200.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695859809-768x512.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695859809.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695863719-1024x768.jpg\" alt=\"\" class=\"wp-image-3638\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695863719-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695863719-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695863719-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695863719.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695869057-1024x683.jpg\" alt=\"\" class=\"wp-image-3639\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695869057-1024x683.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695869057-300x200.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695869057-768x512.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695869057.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695872113-1024x683.jpg\" alt=\"\" class=\"wp-image-3640\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695872113-1024x683.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695872113-300x200.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695872113-768x512.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695872113.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695874358-768x1024.jpg\" alt=\"\" class=\"wp-image-3641\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695874358-768x1024.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695874358-225x300.jpg 225w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695874358.jpg 810w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695876593-1024x768.jpg\" alt=\"\" class=\"wp-image-3642\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695876593-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695876593-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695876593-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695876593.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695878599-1024x768.jpg\" alt=\"\" class=\"wp-image-3643\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695878599-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695878599-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695878599-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695878599.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695880663-1024x768.jpg\" alt=\"\" class=\"wp-image-3645\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695880663-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695880663-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695880663-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695880663.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695882636-1024x768.jpg\" alt=\"\" class=\"wp-image-3646\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695882636-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695882636-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695882636-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695882636.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695884655-1024x768.jpg\" alt=\"\" class=\"wp-image-3647\" style=\"width:398px;height:auto\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695884655-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695884655-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695884655-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695884655.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695887721-1024x768.jpg\" alt=\"\" class=\"wp-image-3648\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695887721-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695887721-300x225.jpg 300w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695887721-768x576.jpg 768w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695887721.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695892231-1024x768.jpg\" alt=\"\" class=\"wp-image-3649\" srcset=\"https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695892231-1024x768.jpg 1024w, https:\/\/fsecg.univ-alger3.dz\/wp-content\/uploads\/2025\/05\/FB_IMG_1746695892231-300x225.jpg 300w, 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