القرار الوزاري رقم 1275 المؤرخ في 27 سبتمبر 2022 الذي يحدد كيفيات إعداد مشروع مذكرة تخرج للحصول على شهادة جامعية مؤسسة ناشئة

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المساهمة في تجسيد آليات القرار الوزاري رقم 1275 المؤرخ في 27 سبتمبر 2022 الذي يحدد كيفيات إعداد مشروع مذكرة تخرج للحصول على شهادة جامعية مؤسسة ناشئة براءة اختراع من قبل طلبة مؤسسات التعليم العالي أحكام القرار الوزاري 1275

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    THE IMPACT OF DIGITAL LOYALTY PROGRAMS (E-LP) ON CUSTOMER RETENTION IN AGRI-FOOD SMEs: CASE STUDY OF PROJECT 1275 (FIDIALY)
    (Ecole Superieure De Managment Tlemcen, 2026-06-23) 1/ Meriem BERROUSSI 2/ Zine El Abidine BENNAOUM 3/ Chahrazed MEKEMMECHE
    This thesis investigates the extent to which digital loyalty programmes (E-LPs), delivered through a contextually adapted SaaS platform, can improve customer retention within Algerian agri-food SMEs. The research problem stems from a structural contradiction: a digitally connected consumer base coexists with merchants relying on analogue, memory-based management, a gap attributed to the absence of an accessible SaaS solution calibrated to SME budgetary constraints. Adopting a mixed-method design, the study combines a literature review of relationship marketing, CRM, and retention metrics (churn, CLV, RFM) with an entrepreneurial case study of the Fidialy project, structured around the Lean Startup methodology and a five-year financial plan. Empirical validation rests on fifty merchant interviews and a 215-respondent consumer survey. Findings show that 78% of merchants still operate analogically and 90% rely on informal recognition, while 70.7% of consumers express definite intent to adopt a unified digital loyalty wallet despite near-total current non-adoption. Financially, a zero-cost MVP strategy generates a Year-1 ROI of 339.3%, a payback period of about 3.5 months, and revenue growth of 189-fold over five years against only a 250-fold rise in variable costs, evidencing structural hyperscalability. The study concludes that digital loyalty platforms can substantially improve SME retention outcomes provided their design is adapted to capital scarcity and cash-dominant transaction culture, positioning Fidialy as a viable catalyst for retail digital transformation in Algeria
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    Sécurité Perçue Et Confiance Comme Déterminants De l'adoption Du Paiement Électronique En Algérie Présentation du projet Innovant WassitPay
    (Ecole Superieure De Managment Tlemcen, 2026-06-28) Midoun Mohammed El Amine
    This research examines the influence of perceived security on the adoption of electronic payment in the context of e-commerce in Algeria. Through a theoretical study, it highlights the central role of perceived security in reducing perceived risk, strengthening trust, and indirectly influencing adoption intention. To address the main weaknesses observed in the Algerian market, the innovative project WassitPay was developed as a secure intermediary platform designed to protect transactions, build trust between stakeholders, and encourage the transition toward more reliable digital payment solutions. The findings confirm that the development of electronic payment depends not only on technology but also on users’ trust in the digital environment