واقع الخدمات الإلكترونية في المصارف الأردنية دراسة مقارنة بين المصارف الإسلامية والمصارف التقليدية
Abstract
ملخص
تهدف هذه الدراسة إلى التعرف على الخدمات المصرفية الإلكترونية المطبقة في المصارف الأردنية -مصارف إسلامية ومصارف تقليدية- والمقارنة بينهما، ونتج عن الدراسة أن المصارف الأردنية تعمل بشكل مستمر على تجديد وتحديث طرق تقديم خدماتها للمتعاملين وعلى تبني وسائل التقنية الحديثة، ومن أهم الخدمات الإلكترونية التي تشترك في تقديمها المصارف الأردنية- تقليدية وإسلامية- خدمة الصراف الآلي، الخدمات المصرفية عبر الإنترنت، خدمة الرسائل القصيرة، البنك الناطق، الخدمات المصرفية عبر الهاتف الذكي، كما تقدم المصارف التقليدية الأردنية بعض الخدمات الإلكترونية الحديثة التي لا تقدمها المصارف الإسلامية، وقد نتج عن الدراسة وجود اختلاف في حجم انتشار أجهزة الصراف الآلي للمصارف الأردنية وفي حجم الخدمات التي تقدم من خلالها، وأوصت الدراسة المصارف الإسلامية، بالتوسع في استخدام التكنولوجيا المصرفية لتطوير خدماتها، وتعريف المتعاملين بالخدمات الإلكترونية الموجودة لديهم، وكيفية استخدامها لتنافس بذلك ما تقدمه المصارف التقليدية.
The Reality of Electronic Services in Jordanian Banks:
A Compartive Study between Islamic Banks and Conventional Banks
Abstract
This study aims to identify the electronic banking services applied in Jordanian banks (Islamic banks and conventional banks). The study found that Jordanian banks are continuously working on renewing and modernizing the methods of providing their services to clients and adopting modern technology means. One of the most important electronic services offered by Jordanian banks - conventional and Islamic- are ATMs, Internet Banking, SMS, IVR, Mobile Banking. Jordanian conventional banks also offer some modern electronic services that are not offered by Islamic banks. The study also revealed a difference in the size of ATMs for Jordanian banks and in the volume of services offered. The study recommends that Islamic banks should expand the use of banking technology to develop their services and to identify the users of existing electronic services and how to use them to compete with conventional banks.
Keywords
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DOI: http://dx.doi.org/10.35682/1039
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MUTAH UNIVERSITY