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The Impact of E- Banking on The Performance of Jordanian Banks

Author

Listed:
  • O. Al-Smadi, Mohammad

    (Al-Imam Muhammad Ibn Saud Islamic University)

  • A. Al-Wabel, Saad

    (Al-Imam Muhammad Ibn Saud Islamic University)

Abstract

Electronic banking has become one of the most important and modern applications that has witnessed a substantial expansion during the last years. This study examines the impact of electronic banking on the Jordanian banks' performance. Empirical analysis has been conducted on a panel data of 15 Jordanian banks for the period 2000-2010. Accounting data were used to measure the banks' performance and regressed on relevant variables using OLS regression. The results show that electronic banking has a significant negative impact on banks' performance. Electronic banking has not improved the performance of these banks. Banks' customers in Jordan depend on traditional channels to carry out their banking operations. As a result, costs associated with adopting electronic banking are still higher than revenues from provision electronic services. Hence, banks should focus its work to promote the confidence of electronic banking services and encourage the customers to use this kind of services.

Suggested Citation

  • O. Al-Smadi, Mohammad & A. Al-Wabel, Saad, 2011. "The Impact of E- Banking on The Performance of Jordanian Banks," Journal of Internet Banking and Commerce, , vol. 16(2), pages 01-10, August.
    • Handle: RePEc:ris:joibac:0401
    as

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    More about this item

    Keywords

    Electronic banking; Internet banking; Banks performance; Jordanian banks;
    All these keywords.

    JEL classification:

    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage

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