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The Impact of E-Banking Processes in Minimizing Risk Ratios of Commercial Banks in Jordan

Author

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  • Mohamed Al-Nuaimi
  • Ade Al-Nimri
  • Safa Salih

Abstract

The aim of this paper was to specify solutions and recommendations in order to provide an overview of the current developments in the e- banking sector of the commercial banks. The researches have investigated the effectiveness of e-banking processes relying in information gathered from 6 banks in Jordan, two Jordanian and four foreign banks. Five major processes of e-banking were chosen to identify their impact on risk ratio. Quantitative methods and qualitative information gathered from 9 interviews with bank managers of IT, IS and risk departments and the questionnaire was analyzed. Major results of the study are, there is lack of required documentation for the risk of E-banking and shortage of proper planning required to integrate the risk divisions of the banks with their IT and IS Divisions there is also a need to employ specialists on e-banking to gradually decrease banks reliance upon third parties.

Suggested Citation

  • Mohamed Al-Nuaimi & Ade Al-Nimri & Safa Salih, 2017. "The Impact of E-Banking Processes in Minimizing Risk Ratios of Commercial Banks in Jordan," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 7(5), pages 158-169, May.
    • Handle: RePEc:hur:ijarbs:v:7:y:2017:i:5:p:158-169
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    References listed on IDEAS

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    3. Robert Axelrod, 1997. "Advancing the Art of Simulation in the Social Sciences," Working Papers 97-05-048, Santa Fe Institute.
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