The Development of E-Banking in Developing Countries in the Middle East

Abstract

The purpose of this research is to explore current developments in the field of e-banking in Jordan, as representative of similar developing countries in the Middle East. Many Jordanian commercial banks provide e-banking services for both individuals and companies. Such banks aim not merely to provide financial and banking services, but also to offer consultation on comprehensive financial, commercial and investment management. A crucial element in providing modern services to their clients is the provision of an independent online e-banking service. The aim of this research was to investigate which online e-banking services were most in demand in the banks in the study sample, and to explore the most influential variables which influenced customer demand for online banking services. The findings were that the most demanded services were requests for balance inquiries, bank statements, checks books, payment of bills, transfers from one account to another, telephone banking, requests for interest rates, and requests for currency rates and money wiring (internal and external). Furthermore, the variables

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