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

Mohamed Al-Nuaimi, Ade Al-Nimri and Safa Salih

International Journal of Academic Research in Business and Social Sciences, 2017, vol. 7, issue 5, 158-169

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.

Keywords: E-banking; Ecommerce application; internet banking system; risk averages ratio; network administration; website design and hosting (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:hur:ijarbs:v:7:y:2017:i:5:p:158-169

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