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The assessment of e-banking readiness in Jordan


  • Loay Salhieh
  • Jamal Abu-Doleh
  • Nada Hijazi


Purpose - The purpose of this paper is to propose and validate a framework that can be used for assessing the level of banks' readiness for providing e-banking services in Jordan. Design/methodology/approach - A questionnaire-based data-gathering technique, descriptive, and analytical analyses are used. Findings - This study has used three constructs to propose a framework that can assess e-banking readiness: perceptions of bankers, perceptions of customers, and IT infrastructure in banks. However, there is evidence in this paper to support that e-banking has achieved a degree of strategic and operational importance among bank managers. Also, customers are positive about embracing new banking channels. But it seems that technological aspects and IT employees' skills are paramount concerns. Research limitations/implications - This paper proposes a comprehensive framework to gauge banks' readiness to offer e-banking services. Also, it suggests that future work could entail investigating the readiness from financial aspects, and the effect of marketing campaigns on customer's acceptance of using e-banking services. Practical implications - The findings presented in this paper can be used by banks to evaluate their readiness to provide e-banking services to their customers. Also, banks can create a readiness profile, in order to pinpoint strengths and weaknesses of their e-banking services. Originality/value - This paper adds to readiness studies by providing a framework to assess e-banking services. It is of interest to researchers to add to this framework and of interest to banks to evaluate services provided to customers.

Suggested Citation

  • Loay Salhieh & Jamal Abu-Doleh & Nada Hijazi, 2011. "The assessment of e-banking readiness in Jordan," International Journal of Islamic and Middle Eastern Finance and Management, Emerald Group Publishing, vol. 4(4), pages 325-342, November.
  • Handle: RePEc:eme:imefpp:v:4:y:2011:i:4:p:325-342

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    References listed on IDEAS

    1. Engle, Robert F. & Kroner, Kenneth F., 1995. "Multivariate Simultaneous Generalized ARCH," Econometric Theory, Cambridge University Press, vol. 11(01), pages 122-150, February.
    2. Manolis G. Kavussanos & Ilias D. Visvikis & Panayotis D. Alexakis, 2008. "The Lead-Lag Relationship Between Cash and Stock Index Futures in a New Market," European Financial Management, European Financial Management Association, vol. 14(5), pages 1007-1025.
    3. Abul Masih & Rumi Masih, 1997. "A comparative analysis of the propagation of stock market fluctuations in alternative models of dynamic causal linkages," Applied Financial Economics, Taylor & Francis Journals, vol. 7(1), pages 59-74.
    4. Ali F. Darrat & Khaled Elkhal & Sam R. Hakim, 2000. "On the Integration of Emerging Stock Markets in the Middle East," Journal of Economic Development, Chung-Ang Unviersity, Department of Economics, vol. 25(2), pages 119-129, December.
    5. Taylor, Mark P & Tonks, Ian, 1989. "The Internationalisation of Stock Markets and the Abolition of U.K. Exchange Control," The Review of Economics and Statistics, MIT Press, vol. 71(2), pages 332-336, May.
    6. Haque Mahfuzul & Hassan M. Kabir & Maroney Neal C & Sackley William H, 2004. "An Empirical Examination of Stability, Predictability, and Volatility of Middle Eastern and African Emerging Stock Markets," Review of Middle East Economics and Finance, De Gruyter, vol. 2(1), pages 18-41, April.
    7. Kasa, Kenneth, 1992. "Common stochastic trends in international stock markets," Journal of Monetary Economics, Elsevier, vol. 29(1), pages 95-124, February.
    8. Aktham I. Maghyereh & Haitham A. Al-Zoubi, 2006. "Value-at-risk under extreme values: the relative performance in MENA emerging stock markets," International Journal of Managerial Finance, Emerald Group Publishing, vol. 2(2), pages 154-172, July.
    9. Christos Floros, 2005. "Price Linkages Between the US, Japan and UK Stock Markets," Financial Markets and Portfolio Management, Springer;Swiss Society for Financial Market Research, vol. 19(2), pages 169-178, August.
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    Cited by:

    1. Sulieman Ibraheem Shelash Al-Hawary & Ahlam Jebreen Ahmad Hussien, 2017. "The Impact of Electronic Banking Services on the Customers Loyalty of Commercial Banks in Jordan," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 7(1), pages 50-63, January.


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