العوامل الموثرة على استخدام الخدمات المصرفية الالكترونية عبر الانترنت من وجهة نظر العملاء -دراسة ميدانية على اقليم الجنوب- الاردن

This study aimed to identify the factors that affect the use of e-banking services from the customers' point of view at the southern region in Jordan. The study variables included (trust, level of technical skill, perceived advantage, the availability of data and the service design).The study sample consisted of the customers of the working banks in Jordan .The study questionnaire was distributed to the customers in order to collect data. The data was analyzed using the package of statistical analysis of social sciences (SPSS) in order to test the study hypotheses. The study results show that the factors of (level of technical skill, perceived advantage, and data availability have a significant effect on using the electronic banking services via the internet. whereas no impact for other factors(trust, services design) , as well as the level of using internet banking is still low. Moreover, the study provide many recommendations which includes: banks should pay more attention about internet banking through available more information about using internet banking and perceived advantage, as well as banks need awarness in development internet services and apply all new technologies. Keywords: : E-banking, E-banking services, Internet banking.