The Impact Of Internal Environment On Spread Of Electronic Banking Services: Iraq Commercial Banks As A Model

Abstract

This study aims to shed light on the importance of the internal environment and its distinguished role in disseminating electronic banking services, by applying it to a group of commercial banks operating in the heart of the capital, Baghdad. In order to achieve this goal, the researcher used the descriptive analytical approach and through a questionnaire that was distributed to sample members. The research included (119) questionnaires in a group of (10) commercial banks, which were chosen as a sample for the field study to be conducted. After studying and analyzing the questionnaire paragraphs, a set of results were reached, the most important of which was that there was a statistically significant effect of internal environmental factors (organizational structure, Organizational culture, resources, on the spread of electronic banking services at the significance level (0.00), and this is confirmed by the results of statistical tests. The study recommends the need for the banks under study to pay attention to analyzing their internal environment on an ongoing basis, to look at their strengths and weaknesses, especially human resources and their organizational culture. Because of this great importance in enhancing its competitive side by providing everything new in the world of banking services, in addition to paying attention to other internal environment variables.