الفهرس 
English Gover
ReferencesOnly 14 pages are availabe for public view
 |  | from | 219 |  |  |
| | | from | 219 | | |
Abstract
Due to the various electronic banking technologies that have been provided during the last decades, there has been growing interest for studying these technologies and their effect on peoples’ lives. The customers’ experiences with e-banking may lead them to change their expectations and perceptions of traditional banking services. The e-banking service reduces costs, provides a source of differentiation and competitive advantage, provides global reach, adds another communication and feedback channel, increases customer satisfaction through the reduction of waiting times and leads to an improved service performance and a higher sales volume. Customers view the bank as not only a means to provide the required service but as a source adding value for them as well. The bank views the more satisfied customers it has as a source for value. This shared value represents an ideal situation to both the customer and the bank.