The Role of E-Commerce in Creating Dimensions of Entrepreneurial Leadership: An Analytical Study at the Islamic Bank

This research aims to clarify the nature of e-commerce mostly used by customers, identify the most important obstacles and advantages of e-commerce and the risks that can be encountered when using e-commerce, and explain the reasons for the spread lack of e-commerce among the customers of commercial banks in Iraq. Additionally, it aims to analyze the role of personal characteristics (gender, age, educational certificate, nature of work, and years of experience) and their impact on the electronic banking and its uses in Iraq. Islamic Bank was taken as a research community, and a stratified random sample of 287 individuals was selected from the original research community of 2880 male and female workers. The research reached a set of conclusions, and the most important of which are: The personal characteristics of customers play a role in the use of electronic banking. Males use it more than females, and the age group over 40 years is the most used of ATM services, credit cards, and Internet banking, while the phone banking service was the most used age group (20-25 year). As for the academic certificate, the PhD holders were the most likely to use ATMs, credit cards, and smart cards, while the sample of other jobs were the least likely to use most e-commerce. Finally, the researcher recommends the need to work on the spreading electronic banking awareness among the customers to increase the electronic transactions through guidance, awareness, and marketing bulletins by banks operating in Jordan and by holding continuous training courses for the bank customers.