The Availability of Modern E-Banking Services and its Impact on Customer Satisfaction Evidence from Commercial Banks in Iraqi Kurdistan, Duhok Governorate as a Sample.
محتوى المقالة الرئيسي
الملخص
الملخص:
يعتبر القطاع المصرفي من أهم ركائز أي اقتصاد حول العالم ، فهو المصدر الرئيسي لتمويل الأعمال. في العراق وإقليم كردستان على وجه التحديد ، تجد البنوك التجارية طريقها ببطء. نظرًا لأن التكنولوجيا مصير وليست اختيارًا ، يتعين على البنوك تسهيل خدماتها والوصول إلى العملاء بشكل أسرع وأسهل من خلال ممارسات الخدمات المصرفية الإلكترونية الحديثة. تحاول هذه الدراسة معرفة تأثير هذه الخدمات مجتمعة (الخدمات المصرفية الإلكترونية) على رضا العملاء بأبعادها الخمسة (الأمان ، الخصوصية ، التكاليف ، البساطة والسرعة ، والراحة). كما تعتزم معرفة ما إذا كانت البنوك التجارية في دهوك تقدم خدمات إلكترونية حديثة. لإجراء ذلك ، اعتمدنا على استبيانات لجمع الردود من العملاء ومديري ثلاث مؤسسات تجارية في مدينة دهوك. اعتمدنا على البرنامج الإحصائي (SPSS) لتحليل (132) استبانة صحيحة. أظهرت النتائج أن هناك ممارسات مصرفية إلكترونية حديثة تقوم بها البنوك التجارية في المدينة. كما أظهرت أن العملاء راضون عن هذه الخدمات ، وإن كان ذلك على مستويات مختلفة. تضمنت هذه الدراسة بعض التوصيات مثل ضرورة اهتمام البنوك التجارية بالمستوى الأمني لهذه الخدمات ، ونشر المزيد من أجهزة الصراف الآلي ، والاعتماد على التسويق لجذب المزيد من العملاء إلى الخدمات المصرفية الإلكترونية. بالإضافة إلى ذلك ، يجب على الحكومة مساعدة هذه البنوك في مساعيها. علاوة على ذلك ، ننصح العملاء بأن نكون أكثر ارتباطًا بالخدمات الإلكترونية الحديثة كمطلب دولي.
التنزيلات
تفاصيل المقالة
هذا العمل مرخص بموجب Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
المراجع
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