The Efficiency of the Electronic Banking in Improving the Quality of the Banking Services in the Algerian Commercial Banks Field study at the Algerian External Bank – Ouargla Agency-

Abstract

This study sheds light on the development of the electronic banks in satisfying the customers to save time and effort. Besides, it analyzes their main risks, advantages, and success requirements. In so doing, we made a field study to know the attitudes of the customers of the Algerian External Bank of Ouargla regarding the development, improvement, and diversity of the banking services. In this context, we used the indices of service evaluation (the use, the safety, the responsiveness, the credibility, and the design). Furthermore, we used the analytical descriptive method. The population of our study included a set of customers of the bank, from whom we randomly chose 75 customers as a sample. We administered questionnaires to these customers and used SPSS to analyze their answers. Findings show a statistically significant relation in the effect of the electronic banking on the improvement of the banking services from the perspective of the customers. Besides, there is good mastery of the communication techniques thanks to the protection of internet from piracy to protect the secrecy of the banking transactions and respond to the concerns.