مدى فعالية المحفظة الإلكترونية في جذب الودائع للقطاع المصرفي السوداني : دراسة استكشافية 2020م

الملخص EN

The E-Purse is a modern payment method that appeared in Sudan in 2013, and although it is important as an easy-to-use payment, it has not spread fast over the past years.

This study aimed to conduct an exploratory study to answer its main question, which can be formulated as follows: How effective is the E-purse in attracting deposits to the Sudanese banking sector? The study followed the descriptive analytical method for analyzing, describing, and interpreting of the data gathered from the field study, where a number of (40) questionnaires were distributed to the clients and employees of four leading Sudanese banks that considered as forerunner(first) banks in the provision of E-Purse service in Sudan, and all the distributed questionnaires (40) were retrieved.

The questionnaire data was analyzed using the Statistical Package for Social Science (SPSS) program.

The study concluded with important results such as: there is a weakness in the network of agents which is the backbone of the success of the E-purse services, in addition, the emergence of fast, secured and widespread modern payment services that do not require card-carrying (i.e.

mobile payment applications).

Moreover, the study recommended several recommendations including: implementation and promoting of E-purse service since it represents a good alternative to carrying cash, strengthening the network of responsible agents so that it plays its role in spreading the culture and expansion of the E-Purse services, getting help from agents of the Sudanese telecommunication companies for their long experience in distributing and marketing such cards, in addition to allowing the possibility of dealing with the E-purse through mobile payment applications.