الصيرفة الإلكترونية, المزايا وشروط النجاح

Abstract

ﻣﻊ ﺗﻨﺎﻣﻲﺍﻷﻋﻤﺎﻝ ﺍﻻﻟﻜﺘﺮﻭﻧﻴﺔ ﺃﺻﺒﺤﺖ ﺍلحﺎﺟﺔ ﻟﻨﻮﻋﻴﺔ ﺟﺪﻳﺪﺓ ﻣﻦ ﺍﻟﺒﻨﻮﻙ ﻏير ﺍﻟﺘﻘﻠﻴﺪﻳﺔ ﺗﺘﺠﺎﻭﺯ نمﻂ ﺍﻷﺩﺍﺀ ﺍﻻﻋﺘﻴﺎﺩﻱ، ﻭﻻ ﺗﺘﻘﻴﺪ بمﻜﺎﻥ ﻣﻌين ﺃﻭ ﻭﻗﺖ محﺪﺩ ﻛﺒيرﺓ ﻭﻣﻠﺤﺔ.ﺪﻑ ﻫﺬﻩ ﺍﻟﻮﺭﻗﺔ ﺍﻟﺒﺤﺜﻴﺔ ﺇلى ﻣﻌﺮﻓﺔ ﻣﺎﻫﻴﺔ ﺍﻟﺒﻨﻮﻙ ﺍﻹﻟﻜﺘﺮﻭﻧﻴﺔ، ﻭﺃﻫﻢ ﺍلمﺰﺍﻳﺎ ﺍﻟتي ﺗﻘﺪﻣﻬﺎ ﻫﺬﻩ ﺍﻷﺧيرﺓ، ﺇﺿﺎﻓﺔ ﺇلى ﺃﻫﻢ ﺍلمﺘﻄﻠﺒﺎﺕ ﺍﻟﻼﺯﻣﺔ ﻟﻠﺒﻨﻮﻙ ﻟﺘﺒني ﻫﺬﻩ ﺍﻟﻔﻜﺮﺓ.ﺣﻴﺚ ﺗﻮﺻﻠﻨﺎ ﺇلىﺃﻥ ﺍﻟﺘﺤﻮﻝ نحﻮ ﺍﻷﻋﻤﺎﻝﺍﻻﻟﻜﺘﺮﻭﻧﻴﺔ ﻧﻈﺎﻣﺎﻭﺇﺳﺘﺮﺍﺗﻴﺠﻴﺔ ﺃﺻﺒﺢ ﻭﺍﺟﺒﺎ محﺘﻮﻣﺎ ﺧﺎﺻﺔ ﻣﻊ ﺗﻨﺎﻣﻲ ﺧﺎﺻﻴﺔ ﺍﻟﻨﻔﺎﺫ ﺍﻟتي ﺗﺘﻤﺘﻊ ﺎﺍﻷﺩﻭﺍﺕ ﺍلجﺪﻳﺪﺓWith the permanent increase in electronic commerce operations, the need for a new type of unconventional banks exceeding the usual performance pattern, and does not adhere to a specific place or time is crucial. This research aims to know what electronic banks are, and the most important advantages they provide to the bank and the customer in particular, and the economy as a whole in general, in addition to highlighting the most important requirements for banks to adopt the idea of electronic banks