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العنوان
دراسة العلاقة بين تبني مفهوم البنك الالكتروني وتحقيق الميزة التنافسية بالتطبيق علي البنوك الاسلامية الكويتية /
المؤلف
السمحان، ريم خالد سمحان.
هيئة الاعداد
باحث / ريم خالد سمحان السمحان
مشرف / جيهان عبد المنعم رجب
مشرف / راشد شبيب العجمي
مشرف / جيهان عبد المنعم رجب
تاريخ النشر
2014.
عدد الصفحات
234 ص. :
اللغة
العربية
الدرجة
ماجستير
التخصص
الإدارة والأعمال الدولية
تاريخ الإجازة
1/1/2014
مكان الإجازة
جامعة عين شمس - كلية التجارة - ادارة الاعمال
الفهرس
يوجد فقط 14 صفحة متاحة للعرض العام

from 234

from 234

المستخلص

As a result of the evolution of global economy and the emergence of e-business, both of which depend heavily on communications and information technology, and due to the steady increase in the number of internet users in various countries, many industries tended- especially the banking industry- to make significant changes in the distribution channels for banking services. Among the most important and the most recent of these channels is to provide banking services to customers electronically via the Internet.
As expected by both Polatoglu and Kin, 2001, the future number of banks’ online customers will highly increase. This is due to customers’ high degree of acceptance and understanding of new and advanced technology.
While Sohail and Shaikh 2008, point to the turnout of customers to electronic banking services to the facilitation of these services, such as accessibility at any time even during non-official working hours, in addition to its accessibility from any place where the customer is located with no geographical boundaries, and its low cost in obtaining these services electronically compared to obtaining them from the physical branches of banks.
This led to intense global competition among banks to provide electronic services in order to stay in business and continue operation in the banking market. This also made banks strive to develop this type of banking services in order to achieve strategic competitive advantage enabling each bank to get the highest market share in banking services.
Electronic commerce has emerged as an impact of information technology on the organizations’ activity, as both (Kamel and Hussein, 2001) believe that the emergence of e-commerce has led to the reduction of cost and the increase in sales efficiency of goods and services, as a result of increased dynamic marketing opportunities in the world.
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As seen by (Porter, 2001) there is no option for any organization but to adopt information technology in order to remain competitive and retain its position within the market. Due to the impact of advanced concept of e-commerce on the financial services industry, like any other industry, many researchers and marketing experts have turned to study how the industry was affected by this new variant, with special focus on studying all aspects related to electronic bank, and then study the relationship between the application of electronic banking services on achieving competitive advantage of the organizations. This is the objective of this study which addresses one of the key concepts which is the application of electronic bank in a way that ensures easy flow of services from the bank units to customers through the application of the electronic bank practices which led to achieving competitive advantage of those banks. At the application domain which is the Islamic banks in Kuwait , these banks currently represent about 50% of the total operating banks in the state. These banks have applied electronic banking techniques aiming at improving the quality of services to their customers and therefore achieving customers’ satisfaction which in return affects the competitive advantage of these banks. Statement of the Problem According to the preliminary scoping study and after reviewing the scientific literature related to the subject matter, either directly or indirectly, it was possible to spot the research gap which is the lack of connection between the use of technology in the banking process or what has been termed as the electronic banking services and the competitive advantage of banks in general, and in Kuwaiti Islamic banks in particular. Therefore, the research problem is to raise the following general research question: To what extend does the application of electronic services in Kuwaiti Islamic banks contribute in enhancing the ability of those banks to achieve competitive advantage in the banking industry?
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Study Hypotheses: The study seeks to test the validity of the following main hypothesis: There is a statistically significant relationship between the application of electronic services in Kuwaiti Islamic banks and the achievement of competitive advantage for those banks. This main hypothesis is branching to sub-hypotheses as follows: 1 - There is an intangible statistical relationship between the application of plastic cards in Kuwaiti Islamic banks as one of the bank’s electronic services and achieving competitive advantage for those banks. 2 - There is an intangible statistical relationship between the application of smart cards in Kuwaiti Islamic banks as one of the bank’s electronic services and achieving competitive advantage for those banks. 3 - There is an intangible statistical relationship between the application of mobile phone services in Kuwaiti Islamic banks as one of the bank’s electronic services and achieving competitive advantage for those banks. Study objectives: The main goal of the study is to focus on the relationship between application of electronic bank practices and the achievement of competitive advantage for organizations. Several sub-goals proceed from this main goal, as follows: 1- Studying how far Kuwaiti Islamic bank apply e-bank practices.
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2- Studying how Kuwaiti Islamic banks can benefit from the application of e-bank practices and its impact on improving performance through testing a number of hypotheses. 3- Studying the competitive advantages of Kuwaiti Islamic bank subject to the field study to get to know their current competitive status and measure how much it is affected by the application of e-bank practices. 4- Reaching a set of recommendations to help decision-maker managers in Islamic banks, subject to the field study, to improve performance and thus achieve competitive advantages. 5- Reaching a set of suggestions for areas of future researches. Study significance: Scientific significance: Significance of the study comes from tackling one of the important concepts of marketing management, namely the concept of e-bank. This importance is specifically highlighted because there are limited numbers of studies that tackle the actual Arab market in general and the Kuwaiti market in particular with regard to the concept of e-bank. This concept has been overlooked despite its important role in improving organizations performance and achieving competitive advantages as indicated by studies carried out in this area. Therefore, this study is considered a value added to marketing studies in the Arab world. Study target population: The study target population is all Islamic banks in Kuwait, and due to their big number and under the constraint of time and effort, the researcher resorted to
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sampling method rather than the comprehensive survey. The study target population is the five Islamic banks in Kuwait which are:  Kuwait Finance House.  Boubyan Bank.  International Bank of Kuwait.  Al Ahli United Bank ( Kuwait & the Middle East formally)  Warba Bank Study sample: A - affected the banking sector and from the technological dimension of Islamic banks in providing banking service, in response to the wishes of customers in order to retain and attract new customers and then expand market share. B - multiple aspects and methods of providing banking service Alaketromeh and foremost: banking services, such as remote machines exchange ATMS machines open loan mechanism ALMS. And banking services via the Internet is where more than 80% of the total banks in the world via the Internet sites through which the financial services and non-financial, such as inquiring about banking products and services to banks. And electronic payment cards (banks Albulacetkah) and mobile phone service, and others. These services are in a more continuous basis by the contemporary technological changes. C - centered competitive advantage in light of the literature and references basic science in the three key elements, namely: leadership in cost, excellence in service delivery, focusing on the sector or sectors Sovih lucrative market kidneys and rely on specialization in understanding the needs and characteristics of clients and work to satisfy that This competitive advantage achieved banks in light of the ability to: innovation, research and development and organizational learning. D - proven field study in the framework of scientific hypotheses put forward that the customer experience in dealing with the bank, which has been expressed through the number of years of dealing with the bank did not directly affect the assessment of the bank’s customers for electronic banking services offered by banks Kuwaiti Islamist. And then accept the hypothesis nihilistic first: There is no significant relationship statistically significant differences between the quality, professionalism and customer demographics to assess the quality of the electronic banking services of Islamic banks.
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E - accept second hypothesis: There is a correlation statistically significant between the application of Islamic banks Kuwait to serve the plastic cards and the achievement of competitive advantage for those banks using the test (TEST) T and then study the relationship between the independent variable plastic card and the competitive advantage represented by the dimensions of quality and excellence. And - no affected or variation in the results of the study of the relationship between the variable of smart cards and the quality and excellence as elements to measure the competitive advantage due to the development of electronic services banking in the world, and thus has been validated third hypothesis: There is a correlation between the application of Islamic banks Kuwait service cards Smart and between those banks to achieve a competitive advantage. G - With regard to proving fourth hypothesis, which provides for the existence of a correlation statistically significant between the application of Islamic banks Kuwaiti mobile phone service as one of the bank’s services mail and the check those banks for competitive advantage has proven the existence of the effect or different outcome for this variable due to accept the hypothesis in variable safety and sympathy (as elements of quality product Bancassurance), while proven hypothesis was rejected in the variable (concrete elements), reliability and excellence and responsiveness, and service is a mobile phone from hops technological quality provided by banks to their customers because they provide the advantages and facilities for clients, but was accepted hypothesis is partial. Study Recommendations: 1- Officials of the Islamic bank in Kuwait should adopt a comprehensive marketing system simultaneously with the adoption of e-banking service provided to their clients. 2- Islamic banks should conduct comparative studies to benchmark against regular commercial banks in order to identify the gap size in performance level of banking services in both types of banks, and therefore attract more customers.
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3- Islamic banks should introduce more new electronic banking services similar to those provided by e-banks in order to attract new segments of customers and to cope with the information technology era. 4- Islamic banks should conduct periodical studies to identify customers’ trends regarding the required quality level of services. 5- Electronic bank services should be linked to objectives and strategies that are clearly specified for banks personnel to enable them perform their required roles to achieve such objectives and strategies. 6- All aspects of the bank competitiveness concept should be well perceived by both the top management as well as ordinary staff of the Islamic banks in order to provide banking services that enhance bank competitiveness. 7- Islamic banks should hold seminars and symposiums to customers to increase their awareness of the value and importance of e-bank service. 8- Islamic banks should be keen on providing e-bank services that are easy to use, highly secured and meet customer’s needs and demands. 9- Scientific researches should be carried out to tackle this issue from a comparative prospective among all Kuwaiti Islamic banks.