أثر الميزة التنافسية على تقديم الخدمات المصرفية في المصارف التجارية العاملة في فلسطين : دراسة ميدانية على المصارف التجارية العاملة في مدينة طولكرم

الملخص EN

This research aimed at analyzing the impact of competitive advantages on the provision of banking services by the commercial banks operating in TulkaremPalestine.

In order to achieve this aim, a sample of 47 bank branch managers and department heads have been questioned.

A descriptive statistical model was conducted in testing the hypotheses of the research.

Many results were reached, Among the most important ones are: the degree of the impact of competitive advantage on the provision of banking services by the commercial banks operating in Tulkarem-Palestine, ranged from large to very large, with regard to the number of customers of the bank, the nature of the treatment received by the customers of the bank, the size of the deposits, the size of the credit facilities, the cost of banking services.

The results doesn't prove any significant relationship between competitive advantages and provision of banking services due to personal characteristics of the research sample.

The main recommendations of the research were : banks must continue their marketing efforts to the customers paying special attention to the holders of large deposits.

Better guidance to credit facilities must be adopted , banks must be willing to take additional costs that would earn customer satisfaction, and work is always on human capability development for workers because of their importance in maintaining the level of excellence of the bank through the application and implementation of programs and policies of the bank