The Impact of Electronic Payment Channels on the Profitability of Jordanian Islamic Banks

أثر قنوات الدفع الإلكتروني في ربحية المصارف الإسلامية الأردنية

Abstract

This study aims to assess the electronic payment channels of Jordanian Islamic banks and their impact on the profitability of these banks during the period 2015-2020. With the descriptive analytical approach, this study includes three Jordanian Islamic banks as specimen. One of the most important results of the study is that there is a statistically significant effect of mobile phone applications, ATMs, and internet banking in the Jordanian Islamic banks on the ROA. The study recommends that the Islamic banks should make intensive marketing efforts to attract many dealers to increase the volume of transactions in electronic payment channels, work to increase their banking technological awareness and encourage innovation in the field of electronic payment.