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

Dissertant

Abu Jabir, Malak

Thesis advisor

Ashur, Yusuf Husayn Mahmud

Comitee Members

Husayn, Muhammad
al-Buhaysi, Isam

University

Islamic University

Faculty

Faculty of Commerce

Department

Department of Business Administration

University Country

Palestine (Gaza Strip)

Degree

Master

Degree Date

2007

English Abstract

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.

Main Subjects

Financial and Accounting Sciences

Topics

• Banks
• Scientific innovations
• Palestine
• Data processing
• Computer networks
• Banking
• Financial services industry

No. of Pages

152

Table of Contents

• APA
• MLA
• AMA

Language

English

Data Type

Arab Theses

Record ID

BIM-300241