قياس اثر الصيرفة الالكترونية في مؤشرات الأداء المالي للمصارف

MEASURING THE EFFECT OF ELECTRONIC BANKING IN FINANCIAL PERFORMANCE INDICATORS OF BANKS

Banks are the backbone of economic life in any country and that because of the vital roles and jobs in the economy, since banks are the most important financial institutions, which play a pivotal role in the development of countries , under the great progress that the world is witnessing today in the field of information and communication technology has intensified the pressure on financial institutions in general, and specifically banking in order to keep up with the requirement  of modern banking so you can survive and succeed in a world of increasing change culture at the level of the bank and the customer.

This study seeks to achieve the following objectives :

1. Determine the level of interest of commercial banks with the electronic banking services and the expansion of the update, and keep up with global development
2. Recognize the reality of electronic banking and the main indicators in some commercial banks in the Hashemite Kingdom of Jordan
3. Measuring the impact of electronic banking indicators in the financial performance indicators of the study sample banks

According to the above came this study to demonstrate the impact of electronic banking as an independent variable with its indicators of (number of Automatic Teller Machines (ATMs) , the number of Automatic Teller Machine cards , the number of the Bank spokesman subscribers , the number of correspondent banks, revenue of credit cards, number of credit cards granted (Master Card and Visa Card )) in the financial performance indicators of the study sample banks as a dependent variable ( profitability, liquidity, capital adequacy and capital investment indicator ) , as a practical study in a sample of Jordanian banks .

In order to achieve the objectives of this study was to develop a supposal diagram determines the nature of the relationship between the independent variables and the dependent variables , in order to reveal the nature of this relationship was formulated several hypotheses were tested using advanced statistical methods, by using statistical software (SPSS), has been selected sample of Jordanian banks to conduct the study and test its hypotheses, since the study included the following banks (the Housing Bank for Trade and Finance, Arab Bank, Al Ahli Bank , Bank of Cairo Amman), and used the annual reports as a main tool  in the collection of data related to field side for the study sample banks for the years        (2000 – 2011).

                       : The study found several conclusions standing on her head

1. The modalities for the view of banking services based on technology coinciding with the current development of the most important means of attracting customers because of the openness of society on technological environment significantly, as well as the efficiency of electronic banking services .
2. The presence of a statistical correlation between indicators electronic banking and financial performance indicators of the study sample banks .
3. The presence of a significant effect of electronic banking indicators in financial performance indicators of the study sample banks .

Depending on the conclusions were drafting some of the most important recommendation:

1. Call legal and legislative bodies in Jordan to enact legislation or laws governing the operation of electronic banking and services to protect the transacting parties or to update existing laws and adapted way that makes it valid and open on electronic banking and other electronic services .        2. Study of new services to competition in the Kingdom of Jordan , specifically banks electronic order literacy level of electronic services and to maintain the competitive position of the bank compared to its peers and that the adoption of technology in the field of electronic banking pays the bank to improve its performance and thus maintain its competitive position in the banking market