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  THE IMPACT OF ELECTRONIC PAYMENT ON ECONOMIC GROWTH IN ALGERIA: A QUARTERLY ECONOMETRIC ANALYSIS USING THE ARDL MODEL (2016�2025)

  This study investigates the dynamic relationship between electronic payment indicators (e-POS terminal activity and online payments) and economic growth in Algeria, measured by Gross Domestic Product (GDP). Using the Autoregressive Distributed Lag (ARDL) approach, the study addressed the limitations of a short time series by converting annual data ... This study investigates the dynamic relationship between electronic payment indicators (e-POS terminal activity and online payments) and economic growth in Algeria, measured by Gross Domestic Product (GDP). Using the Autoregressive Distributed Lag (ARDL) approach, the study addressed the limitations of a short time series by converting annual data into quarterly frequency via statistical interpolation, resulting in a sample of 35 observations. The Bounds Test results demonstrated the absence of a longrun cointegrating relationship, suggesting that Algeria's digital payment sector remains in a transitional phase and has not yet attained structural maturity. However, short-run dynamics revealed a positive and statistically significant effect of e-POS activity at the 10% level, whereas online payments exhibited a significant negative effect. Diagnostic tests, including CUSUM, confirmed the structural stability of the model, which possesses an explanatory power (Adjusted R-squared) of 90%. The study emphasizes the necessity of localizing digital services and fostering financial inclusion to integrate the informal economy into the formal banking system. Key recommendations include strengthening cybersecurity, expanding digital payment infrastructure across regions, and encouraging financial innovation.

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  AI-DRIVEN E-BUSINESS: THE FUTURE OF CUSTOMER PERSONALIZATION

  Contemporary consumers have high expectations regarding the speed, convenience, and personalized solutions of online shopping, which requires the implementation of advanced technologies for analysing consumer behavior, preferences, and accumulated data. In this context, artificial intelligence provides opportunities for dynamic customer profiling, ... Contemporary consumers have high expectations regarding the speed, convenience, and personalized solutions of online shopping, which requires the implementation of advanced technologies for analysing consumer behavior, preferences, and accumulated data. In this context, artificial intelligence provides opportunities for dynamic customer profiling, predicting future needs, and offering personalized products and services. The implementation of intelligent systems in e-commerce provides significant benefits, including higher conversion rates, increased sales volumes, and marketing strategies optimization. Personalization not only enhances customer loyalty and strengthens trust in brands but also reduces customer churn and encourages repeat purchases. From retailers� point of view, artificial intelligence integration contributes to more efficient product portfolio and inventory management, while simultaneously helping to reduce operating costs. Global e-commerce leaders, such as Amazon, Alibaba, eBay, Rakuten, and Shopee, already employ a wide range of artificial intelligencebased solutions to enhance customer experience and strengthen their competitive positions on the market.

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  THE ROLE OF INTERPERSONAL RELATIONS IN THE MANAGEMENT OF INTERNATIONAL BUSINESS ORGANIZATIONS

  In the conditions of the contemporary global economy, the market resilience of international business organizations no longer depends solely on technological advancement or fiscal optimization. The principal strategic asset is increasingly embodied in social capital and the ability to build sustainable interpersonal relations.The effective ... In the conditions of the contemporary global economy, the market resilience of international business organizations no longer depends solely on technological advancement or fiscal optimization. The principal strategic asset is increasingly embodied in social capital and the ability to build sustainable interpersonal relations.The effective management of such organizations requires precise navigation within a complex network of interactions that extend beyond formal hierarchies and are shaped by the level of cultural intelligence, mutual trust, and flexible communication approaches. The present study aims to analyze the significance of interpersonal relations within the managerial architecture of the international business organization, arguing that they constitute a critical factor in achieving high organizational effectiveness. The object of the study is interpersonal relations, examined as a leading category in management science and their direct impact on the success of global business processes. The subject of the study focuses on the specific manifestations and psychological patterns of interpersonal relations, the mechanisms through which they influence managerial decision-making, and their role in fostering trust and cooperation within a multicultural business environment.