Readiness of the Palestinian banking sector in adopting the electronic banking system : exploratory study

مقدم أطروحة جامعية

Abu Jabir, Malak

مشرف أطروحة جامعية

Ashur, Yusuf Husayn Mahmud

أعضاء اللجنة

Husayn, Muhammad
al-Buhaysi, Isam

الجامعة

الجامعة الإسلامية

الكلية

كلية التجارة

القسم الأكاديمي

قسم إدارة الأعمال

دولة الجامعة

فلسطين (قطاع غزة)

الدرجة العلمية

ماجستير

تاريخ الدرجة العلمية

2007

الملخص الإنجليزي

The paradigm shift from traditional branch banking to electronic Banking ; the newly emerged service delivery channels and rapidly increasing penetration rates of e-banking are the motivators of this study.

Innovations in telecommunications have led to usage of electronic services and products in banking.

The purpose of this research is to investigate the readiness of the Palestinian banking sector to adopt e-banking technology by shedding light on a number of different success and obstacles factors.

This research has been conducted as a quantitative one based on a survey inquiry.

The target to our survey was the information and technology department of the thirteen banks operate in Gaza strip.

Thirty of the distributed questionnaires were retrieved and analyzed.

In general, the banking sector in Palestine has a variety of e-banking technologies.

However there are different success and obstacles factors which influence the adoption readiness.

The results shows that the success factors that enhance the adoption process and seen as the most important and introduced by the banks are: usefulness of the services to the bank, security availability to the services, convenience of the services, advertisement ways used to Persuading customers about e-banking, ease of use, and finally customer support.

The obstacles factor that may hinders the adoption process are: expensive cost: cost of infrastructure, maintenance and other different costs, appropriate environment: such as the fast spread of the internet and IT personnel, acceptance from customers : if the bank didn.t make effort to II understand what customer need and if there is no trust between the bank and its customers the ability to adopt and accept the e-banking will decrease and Lack of security: e-commerce legislation, privacy policy and authentication.

It is recommended that more effort must done in educating customers about the benefits of using e-banking services and products, need support from PMA (Palestinian Monetary Authority) to adopt e-banking by set new laws and legislations, the managements of the bank should build a strong system security and finally, banks should devote sufficient effort and funds to the adoption process.

التخصصات الرئيسية

العلوم المالية و المحاسبية

الموضوعات

• المصارف
• الابتكارات العلمية
• فلسطين
• معالجة البيانات
• شبكات الحاسوب
• الأعمال المصرفية
• صناعة الخدمات المالية

عدد الصفحات

152

قائمة المحتويات

• APA
• MLA
• AMA

لغة النص

الإنجليزية

نوع البيانات

رسائل جامعية

رقم السجل

BIM-300241