تأثير كفاءة الخدمات المصرفية الإلكترونية على الأداء المالي للبنوك التجارية الأردنية

الملخص EN

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.