أثر الخدمات المصرفية الإلكترونية في خلق الميزة التنافسية

Abstract

The study aimed to find the effect of using the bank to modern technology of providing electronic banking services of high quality to customers on the bank's stance competitive, which can be divided into themes: firstly to maintain its customers and existing second: to attract new customers and third: gain customer confidence in the bank and electronic systems in general. The study also aimed to find out whether customers face major problems in dealing with e- services or not. Islamic Cooperative Development Bank was chosen as a field for this study as one of the banks that offer these services. Where the above objectives have been translated into four hypotheses were tested by a questionnaire statistical sample size 100 Single of Bank branches Khartoum clients. And the study found that providing quality electronic services plays an important role in maintaining the bank's customers as well as a positive influence in the accession of new customers. Survey results indicated that clients do not facing many problems or challenges in dealing with electronic banking services in the Bank. But there is a considerable need to exert more effort to maintain the level of services provided and to live up to new horizons.