THE IMPACT OF USEING OF ELECTRONIC BANKING TECHNIQUES IN THE COMPETITIVE BANKING INDUSTRY EXPLORATORY SEARCH SAMPLE OF PRIVATE BANK

Abstract

The research aims to find out whether the technical use in the banking business leads to banks compete with industry, has been selected a sample of the Iraqi commercial banks, they are all from the Middle East, the Iraqi Investment Bank, Man sour Bank for Investment, North Bank for Finance and Investment through our study, conducted this search three banks as a sample has been distributed to customers by questionnaire (39) form, which includes 11 questions to know you departments of these banks realize the impact of technology in the banking business? The level of this realization? How can employ technology in the success of the banking business, then the analysis of the form questionnaire, which was distributed to banks and customers research sample included three axes (the technique used size, the cost of the service, the time it takes for banking services), To indicate the relationship and impact between the independent variable (technical) of the banking industry and the dependent variable (time, cost). and finally was reached notable results, a non-use of some Global techniques to prevent the payments system to counter the threat of electronic crimes committed with the new and the computer and the Internet.