The Impact of Electronic Banking Services on the Financial Performance of the Commercial Banks in Jordan
Keywords:
, Financial performance, electronic banks, electronic banking services, Jordanian Commercial banksAbstract
This study aims to investigate the impact of electronic banking services
competency on Jordanian commercial banks financial performance. A field
survey was applied to reveal the financial performance that can be achieved
as a result of enhancing electronic banking services competency provided to
customers.
In order to achieve the objectives of this study, a questionnaire has
been designed according to the objectives and hypotheses. Questionnaire
was distributed over a sample study that consists of financial managers at
Jordanian commercial banks.
The study concluded a set of results such as: commercial banks
performance is affected by electronic banking service competency,
provided that enough time, effort and volume of daily routine are available.
Consequently, expenditures and employees costs are reduced.
Analysis results revealed that there is no statistically significant
difference between Jordanian commercial banks in terms of electronic service
competency impact on their financial performance.
The study recommends that there is a bad need to overcome barriers
that are still hindering effective application and accurate understanding of
electronic banking services concept. Thus, it is important to illustrate these
services and their advantages because some clients prefer to use traditional
means in withdrawing, depositing, and other services, which may affect
Jordanian commercial banks financial performance.
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