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أثر التجارة الالكترونية على تحسين نوعية الخدمة المصرفية دراسة حالة البنك الالكتروني

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Academic year: 2021

Partager "أثر التجارة الالكترونية على تحسين نوعية الخدمة المصرفية دراسة حالة البنك الالكتروني"

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אאאאא

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אא

2007   J 2008  

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אאאאא

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29

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2008

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   K     אא

   

K  א         

  

אא

2007   J 2008

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אא

 

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

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...

6

א  א W א  א    א W ... ... 7 1 K אאאא W ... ... 7 1  J 1  J אא W ... ... .. 7 1  J 2  J אאא W ... ... 10 2  J אא W ... ... 12 2  J 1   J אא W ... ... . 12 2  J 2  J אא W ... ... . 15 3  J אאאאא W ... ... 16   א  א W  א    א  א    א  א W ... ... 21   1   J אאא W ... ... 21   1  J 1  J אא W ... ... ... 21   1  J 2   J אאאא W ... ... 22   2  J אאא W ... ... 28   א  א W  א   א    א W ... ... 33   1  J אא W ... ... ... 33   2  J אאא W ... ... ... 36   K אא W ... ... ... 36     K אא W ... ... ... 37    K אאא W ... ... ... 37    K אאאאא W ... ... 37   K אא W ... ... ... 38  

א

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W

...

40

א  א W  א  א  א  א W ... ... 41    W אא W ... ... .... 41   1  J ،אא W ... ... 41  

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2  J אאאאא W ... ... 43   3  J  אאא W ... ... 45   4  J אא W ... ... ... 46    W אאא W ... ... ... 47   1  J אאא W ... ... .. 47   2  J אא W ... ... 50   3  J אאאא W ... ... 52   א  א W א  א      א  א W ... ... 55   1 K אא W ... ... ... 55   2 K אא W ... ... ... 57   K א W ... ... ... 57     K א W ... ... ... 57    K אאאא W ... ... 57    K אאא W ... ... 58   3 K א אא W ... ... 59   K אא W ... ... ... 59     K אאא W ... ... ... 60    K אא KW ... ... ... 60   4 K א א W ... ... ... 60   4  J 1  J אאא W ... ... ... 60   4  J 2  J אא W ... ... .... 61   5 K אאא אאאא W ... 63   5  J 1  J אאאאאא W ... 63   5  J 2  J אאא W ... ... 65   א  א W      א  א ... ... . 68   1  J אאאא W ... ... 68   1  J 1  אאא W ... ... ... 69   1  J 2  אאאא W ... ... 69   1  J 3 אאאא FW Smart Card E ... ... 74   1  J 4  אאאא W ... ... 76   1  J 5  אאאא F א WE ... ... 78   2  J אאא W ... ... .... 82   2  J 1  J  W ... ... ... 82  

(5)

2  J 2  J אאא W ... ... 83   2  J 3  J אאא W ... ... 83  

אא

W

אא،אאא

monabanq

.

...

...

...

86

 

א  א W  א  א  א  א   א    אא ... ... 87   1 K אאאאא W ... ... 87   2 K אאאאא W ... ... ... 88   3 K אאאאא W ... ... 92   K אאא W

(Global System for Mobile:GSM)

... 92     K א W ... ... ... .. 92    K  ? WESTERN UNION W? ... ... ... 93   . א CIB W ... ... ... 94   4  J אאאא W ... ... 99   4  J 1  ? BADR ? א W ... ... 100   4  J 2 אאאא W ... ... 107   5  J אא W ... ... ... 111   א  א W  א   W  א   א  "monabanq." ... ... 115 1 K אא "monabanq." ... ... 115   1.1  א W ... ... ... 115   2.1 אא W ... ... ... 119   2 K  ? monabanq. ? א W ... ... 122   2 . 1  אא W ... ... ... 122   2 . 2 אא ? monabanq. ?W ... ... 143   3 K א אא ?W monabanq. ? ... ... 159   4 K אא ? monabanq. ? ... ... 163  

אא

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166

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W

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168

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אא

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70

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175

א

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186

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(6)

א

 

א

 K K K K K K K K K K K K K K K K K K K K K K K K K

א

  א    1 W    א  א  K K K K K K K K K K K K K K K K K 12   א    2  W    א  א    א  א  K K K K K K K K K K 17   א    3 W    א  א  K K K K K K K K K K K K K K K K K 18   א    4 W  א  א    א   K K K K K K K K K K K K K K 19   א    5 W      א  א    א  א  א  K K K K K K K 29   א    6 W    א  א  K K K K K K K K K K K K K K K K K K 35   א    7 W  א  א  א  K K K K K K K K K K K K K K K K K K 70   א    8 W    א  א  K K K K K K K K K K K K K K K K K 73   א    9 W  א  א  K K K K K K K K K K K K K K K K K K K K 77   א    10 W    א א  א  א    א  א      א  K K 81   א    11 W    א  א    א    1999  K K K K K K K K K K K 89   א    12 W    א  א    אא  K K K K K K K K K K K K K K 94   א    13 W    א  א  א    אא  K K K K K K K K K K K K 96   א    14 W  א   א      א  א  א    אא  K K K K K 96   א    15 W        א  א      א  א      אא  K K K 97   א    16 W  א  א    ?  BADR ?  K K K K K K K K K K K K K K K 100   א    17 W       ? BADR ?  א  K K K K K K K K K K K K 101   א     18 W    א  K K K K K K K K K K K K K K K K K K K K K 101   א    19 W    אא  K K K K K K K K K K K K K K K K K K K K K 102   א    20 W    א  K K K K K K K K K K K K K K K K K K K K K K 103   א    21 W    א  K K K K K K K K K K K K K K K K K K K K 103   א    22 W  א  א      א  K K K K K K K K K K K K 104   א    23 W        א  K K K K K K K K K K K K K K K K K K 105   א    24 W      א  K K K K K K K K K K K K K K K K K K K K 105  

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א     25 W  א  א    א  monabanq.  K K K K K K K K K K 115   א    26 W      א  K K K K K K K K K K K K K K K K K K K 117   א    27 W  א  א  K K K K K K K K K K K K K K K K K K 119    א    28 W        א  א  K K K K K K K K K K K K K 124   א   29  W        א  K K K K K K K K K K K K K K K K 126   א    30 W    ? MonaScope ?  K K K K K K K K K K K K K K K K K K 128   א    31 W    א  א    א  א  K K K K K K K K K K K 129   א    32 W    א  א    א  א  K K K K K K K K K K K 129   א    33 W    א  א      א  K K K K K K K K K K K 130   א    34 W    א    א  א  K K K K K K K K K K K K K K K 132   א    35 W  א   א    א  א  K K K K K K K K K K K K K K 133   א    36 W    א    א  א  א  א  K K K K K K K K K K K 134   א    37 W    א    א  א  א   K K K K K K K K K K K K K 134   א    38 W  א  א      א  K K K K K K K K K K K K K K K 136   א    39 W        א  א  א     K K K K K K K K 137   א    40 W א    א  K K K K K K K K K K K K K K K K K K K 137   א    41 W  אא  א    K K K K K K K K K K K K K K K K K 138   א    42 W      א    אא  K K K K K K K K K K K K K K 138   א    43 W    "MonaScan"  K K K K K K K K K K K K K K K K K K K 139   א    44 W    א  א    "MonaScan"  K K K K K K K K K K K K 140   א    45 W           א  א    K K K K K K K K K K K 144   א    46 W    א  א    א  K K K K K K K K K K K K 148   א    47 W  א    א    F   א E  K K K K K K K K K K K 149   א    48 W  א    א  א      K K K K K K K K K K K K K 154   א    49 W    א    א    K K K K K K K K K K K K K K K 155   א  50 W   א   ? monabanq. ? א  א  K K K K K K K K K 163

(8)

אא

 

א

 K K K K K K K K K K K K K K K K K K K K

א

 

א    1 W   א  א        א

 K K K K K K K K

30

 

א    2 W   א  א    א      א    א  א  א 31   א    3 W     א  א  א  א  K K K K K K K K K K K 39   א    4 W   א    א  אא  א  א  א  K K K K K K K 49   א    5 W   א      א  K K K K K K K K K K K K K K K 50   א    6 W   א  א    א  א  K K K K K K K K K K K 74   א    7 W   א  א    א  K K K K K K K K K K K K K 95   א    8 W   א  א  א  א  K K K K K K K K K K K K K K 98   א    9 W     א  א  K K K K K K K K K K K K K K K 151   א    10 W   א 

"PEL & CEL"

 K K K K K K K K K K K K K K K K 154   א    11 W א  א  אא  K K K K K K K K K K K K K K K K 158   א    12 W   א  א  K K K K K K K K K K K K K K K K K K K 165  

(9)

א

W

 

  אאא  ،אא  ، אא،אאאא ،א  אא    אא K   אא،אאאאאא אא،אאאאא אאאאאא ،א، ،אאאאא אאאאא K   ،אאאאא  א אא אא،אא ،אא،אאא   א،א  א א –   J א אא،אאא א،אא؛אא  אאא،א،،   א، K   אאאאאאאא א א ، אאא،אאא אא א ،אאא،אאאא،

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 א אא،אא א אא א אאאא،א א  K  

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אאאא א ،אא אאאאא אא א،אא،א א ، ،אאאאא א،א אא א  אאאאא، אאא،אאאא א،א א،א ،אאאא،אא   ،אאאאאאא א אאא K   אא אאא W        א  אאאא א  ؟אא      אאא  אאאא W         1 . א א،אאאאא א ؟   2 . אאא   א אאאא، ؟אאא

(11)

א

W

 

  א א  אאא א  אא W   -אאא ،        ،  א  א   ، ،אא   -         א  א א    





،

-אאאאא ، א אא  א ، ،אא -אאאא ، אאא אא ، אא K  

א

W

 

אאאא א א،א א،א א אאאא אא אא،אאאאאאא،א אאאא،אא א אאאא אאאאא אא،א  א אאא K      

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אא

W

 

   אאאאא W   1 .  א  ،אאאאאא ،אאא،א 2 . אאאא א ،אא ،אאאא 3 . אא אא،א א،אא،אאאאא ،אאאאאאאאא 4 . אאא אאאא אאאאאא אאא،אא K



א

W

 

אא ،א א אאא   אאא ،  אא אאא، אאאאא ،א אאאא    א   א  אאאאאאאא אא،אאאא،אאא  א،אאאאאאאא אאאאא،א K  

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אאאאא אא  W אא،אאא אאאאאאאא א،אאאא אאאאא אאאאאאא א K   ،א אא  א،אאא  א א א א " monabanq. "  אאאאאאאאא  אאאאא،א אאא  אאאא K  

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אא

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א

א

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אא

W

 

 א  אאאאא א ، אאא אא אאא،אא א ، א א   א،אא אאאאאא  אאאאאא א KK אאאאאא W   • אא W אא א  ، • אא W אאא א א  ، • אא W א א  א K                

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אא

W

 



אא

א



W

 

 

א א   א א אאאאא אא،אא אא ، א אאאאא אאאאאא    א    ?W א ?  ? א  ? ، אאא  אאאא ، א אא،א،אא אא אאאא א   א א  א K 1   1

K

א

א



אא

W

 

 1  J 1 -

א א  W   אא W אאא ?   ?  א    W A א א   א א  אאא א   א،אאא א    אא אאאאא  @K 2   1   ، ? אאא ? ، א،אאאא W א ،אא 2004 ،  K 02    2  א א ، ? אאאא ? ،א،אאא، ) 2006 L 11 L 28  http://www.douis.free.fr/article/e-commerce-ogx/zidane.pdf ( 

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אא W  א W A א א   א ، ،אאא ،  אא    @ K 1 אא W  אא W   A א א    אאאאאא ، אאא א  ،אא א، אא @. 2   אאא W  אאאא W A א א   א א   אאא ،  אאאאאאאא א؛   א   א W אאאא،אאא א F א  א  E ؛  אא ، א   א،אאאא אאא، @K 3   אא W  אאא W A  א א    ، אאא ،אאאאא  אא א   א אאא،א،אא، א   אאאאאאא ، ،א 1  א ،  ، א א ، K 02    2   ، אאא א، W אאאא ،אא، 2000 ، K 62     3  א ، אא אא، W ،אאא 2005 ، K 40  

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אא،אאא،אאא אא  @K 1   אא א   א W 2    J  א W  א א   אאא ،א،א  J  א א W אאא ،    J  א W אא ، א  אא   אאא ،  J   א  W אא،אאאאא  א  ) (Web  אא  (Wap) K   אאא א  W   A א א אאא،א א ، אא אאא ، אאא א،אאא،אא אא @K אא א   א א 

W

   1 ، א א ، K 40  2  ، ? אאאא W אאא ?،    F 2006 L 11 L 28  http://www.douis.free.fr/article/e-commerce-ogx/bouhania.pdf E

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