التجارة الالكترونية ودورها في تخفيض تكلفة الخدمات المصرفية : دراسة ميدانية

Abstract

Abstract This research problem is represented in the extent to which Sudanese banks are conforming to the systems of the E commerce and to what extent do such systems be capable of reducing the cost of services of which the Sudanese banks are so interested to provide for its clients To resolve such problematic issues the research is keen to raise the following questions: 1. Do Sudanese banks apply E commerce? 2. Are the E commerce applications potential to contribute to reducing the cost of services rendered by the Sudanese banks: The research aimed at the following: 1. To identify the very nature of the services which the Sudanese banks in question rendered, which in turn can be rendered through E commerce operations. 2. To study and analyze the impact of the application of E commerce on reducing the cost of banking services. To achieve the research objectives the following hypotheses have been tested: First hypothesis: Sudanese banks possess the rudimentary basis to apply the E commerce technology. Second hypothesis: application of E commerce by the Sudanese banks provides for a timely manner based operations' performance and reduces the cost of banking services. Third hypothesis: E commerce systems affect the efficacy of the banking services. The research proved the validity of the aforesaid hypotheses and reached a number of findings the most important of which are the following: 1. Sudanese banks possess a high efficiency in rendering an internet service which in turn is crucial to apply E commerce. 2. Benefits gained from the application of electronic systems are to the far extent exceeding the cost of utilization of such systems. 3. Application of E commerce by the Sudanese increases the pace and accuracy of the banking services. Based on the said findings the research recommended the following: 1. To disseminate such awareness of the methods needed to deal properly with electronic based systems among the clients of the Sudanese banks, in order to facilitate the application of E commerce. 2. To provide for indispensable protection to ensure the security of the information published on the internet.