الصيرفة الإلكترونية ودورها في تحسين الأداء المالي للمصارف

Abstract

Abstract The research focuses on the role of e-banking in improving the financial performance of banks. The study applied on Sudanese banks. The research problem dealt in the recent experience of e-banking in the stages of banking development led to a lack of awareness of many of the relevance of electronic banking in improving the financial performance of banks, Where it can get indicators through which emphasize the role of e- banking influential in evaluating the performance of banks. Due to the vital role of banking sector in attraction of savings and investing them in various fields of economic and_ social development, it has become necessity for banks in Sudan to cope with the advanced technologies used by banks to realize their goals within fierce competition environment. Electronic banking came as the last of those advancements. according to the above mentioned, the importance of research conceived in the study of the impact of electronic banking on the financial performance of banks as well as provision of appropriate information about electronic banking to bankers and their clients, beside stating the Sudanese banking system position so as to encourage the shift towards electronic banking. The research aims at testing out the improving role of electronic banking in raising financial performance in banks. The following hypotheses were tested: 1. There is statistical relationship between implementation of electronic banking in banks and the cost reduction of banking services. . Z. There is statistical relationship between implementation of electronic banking and increase the banks‘ deposits 3. There is statistical relationship between the implementation of electronic banking and banks‘ services quality. To achieve the research objectives, these hypotheses have been tested on a random sample formed from some employees of banks operating in Sudan according to a field study prepared for the so-called purpose. The research has proved allltlie hypotheses obtaining a number of results and the most important of them are as follows: l. Electronic Banking lead to reduce the cost of banking services. 2. Electronic Banking lead to increased customer deposits in banks. 3. Performance evaluation helps banks to improve financial and administrative control. ' Equally important, the research concluded with several recommendations the most important of them are as follows: l. Banks in Sudan should continue to adopt electronic banking strategy and exert appreciable efforts to develop in this area in order to reduce the cost and increase the banks deposits, which improves the financial performance. Z. It is important to develop and update accounting standards and indicators to evaluate the financial performance to accommodate the technological advancement applied through electronic banking.