Factors Influencing the Use of Online Banking Services by Palestinian Bank Customers in Palestine
DOI:
https://doi.org/10.31272/jae.i149.1183Keywords:
Banking Services, Electronic Banking Services, Customers; Arab BanAbstract
This study aims to identify the determinants of using electronic banking services through the Internet from the perspective of Arab Bank customers (non-users of electronic banking services) in the Palestine. To achieve the goals of the study, the researcher used the descriptive method, and designed a questionnaire. The study population consisted of all Arab Bank customers in Palestine (who are not using electronic banking services), and for the aim of conducting the study a purposive sample method was used consisting of (380), and the final sample retrieved from the members of the study was (337) questionnaire.
The study found that the total degree of determinants of the use of electronic banking services for Arab Bank customers in the West Bank was high with a total arithmetic average (3.46), also the overall score for the variable of the benefits of using E-banking services is average, and the total arithmetic average value reached (3.76). The study results also showed that there were no significant differences at the level of statistical significance (a≤.05) was the average among the respondents' responses to the determinants of using e-banking services among Arab Bank customers in the West Bank was attributed to the gender variable "in all fields of study except for the variable of lack of human communication, and the variable of lack of banking secrecy, and the cumulative percentage, as well as the variable of the educational qualification showed low level of statistical significance except for the variable of lack of trust, resistance to change and the cumulative percentage, and it was found that there are no statistically significant differences for the variable of the monthly income rate, there are no statistically significant differences in all fields of the study, with the exception of the variable of resistance to change and banking secrecy, and finally it was found that the variable of the number of banks that banks’ customer deals with showed no statistically significant differences in all fields of the study with the exception of the field of bank secrecy.
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