أثر استخدام الخدمات الإلکترونية للبنوک العاملة في مصر فظل التحول الرقمي علي تحقيق رضا وولاء العملاء :دراسة حالة

1. Hamadi, C. (2010). The impact of quality of online banking on customer commitment. Communications of the IBIMA. University of Marrakesh. pp. 1-8.

2. Sayed Maher Badawy Abdallah, (2013), The Impact of Customer's Trust in Banking Institution on his Acceptance of Online Banking, Master's Thesis, Business Administration Department, Faculty of Commerce, Cairo University.

3. Abukhzam, M., & Lee, A., (2010), Factors Affecting Bank Staff Attitude Towards E-Banking Adoption in Libya. EJISDC: The Electronic Journal on Information Systems in Developing Countries. (42).

4. Kumbhar, V. M. (2011). Factors Affecting the Customer Satisfaction in E-Banking: Some Evidences from Indian Banks. Management Research and Practice. 3(4). 1-14.

5. Alam, N., Magboul, I. H., & Raman, M., (2010). Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception. Journal of Internet Banking and Commerce. 15(2). 1-9.

6. Mahmoud Arafat El- Bassiouny Nofal, (2013), The Impact of Using Marketing Communications on the Relationship Between Banks and their Audience: A Case Study. Master's Thesis, Advertising & Public Relations Department, Faculty of Mass Communication, Cairo University.

7. Eman Shoukry Abdelhamid, (2013), The Role of Designing Egyptian Institutions' Websites on the Internet in Supporting the Communicative Function of these Institutions: Analytical and Field Study, PhD Thesis, Faculty of Arts, Mansoura University.

8. Lobna Masoud Abdelazim, (2013), The Impact of Integration between the Functions of Public Relations and Marketing on the Marketing Communications of the Organization, Master's Thesis, Advertising and Public Relations Department, Faculty of Mass Communication, Cairo University.

9. Lobna Ahmed Ali, The Relationship between effectiveness of Online Marketing Websites and the attitude towards products advertised by application on a Sample of Egyptian Youth, Master's Thesis, Advertising and Public Relations Department, Faculty of Mass Communication, Cairo University.

10. Salah Eldin Moftah, (2016), The impact of the quality of electronic banking services on customer satisfaction: A field study on Jordan Islamic bank in Amman, Master's Thesis, Faculty of Business Administration, Middle East University, Jordan.

11. Hesham Aliwa Mahmoud Ibrahim, (2018), The Impact of Online Marketing on Improving the Quality of Service, JCES, Faculty of Commerce Ismailia, Suez Canal University, Vol. 9, No. 1, pp. 455 - 472.
12. Kamal Fathy & Samar Wasfy, (2020), the relationship between the digital economy and information security: an empirical study on a sample of customers of the national bank of Egypt, JSEC, Faculty of Commerce, Ain Shams University, No. 3, pp. 121 - 156

13. Dalia Mohamed Abdallah, (2008), The factors affecting the effectiveness of direct marketing in Egypt: a comparative study on the means and the audience, Unpublished PhD Thesis, Advertising & Public Relations Department, Faculty of Mass Communication, Cairo University.

14. Wadie Nasri, (2015), Internet Banking Adoption in Tunisia, Jordan Journal of Business, Vol. 11, No. 3, pp. 669 - 683.

15. Nada Mounir, (2016), The role of electronic marketing in the promotion of tourism companies: and analytical study, Master's Thesis, Mass Communication Department, Faculty of Arts, Ain Shams University.

16. Mai Mahfouz Mohamed Mostafa, (2014), Attitudes of the Egyptian public towards electronic Commerce: A Field Study, Master's Thesis, Mass Communication Department, Faculty of Arts, Ain Shams University.

17. Samail M.Kh.Abu Alwafe. (2020). The Impact of Using e-Services Application by Mobile Phones in Achieving Competitive Advantage in the Jordanian Commercial Banks. International Journal of Research in Business & Management. Vol. 2. No. 1. pp 20-28.

18. Vahdat, A., Alizadeh, A., Quach, S., & Hamelin, N. (2021). Would you like to shop via mobile app technology? The technology acceptance model, social factors and purchase intention. Australasian Marketing Journal, 29(2), 187-197.

19. Rahi, S., Ghani, M.A. and Ngah, A.H. (2020). Factors Propelling the adoption of Internet Banking: The role of e-customer service. website design, brand image and customer satisfaction.Int.J. Business Information Systems. Vol. 33. No. 4. pp. 549 - 569.

20. Tooraj Sadeghi & Kambiz Hanzaee. (2010). Customer Satisfaction Factors with Online Banking Services in An Islamic Country. Journal of Islamic Marketing. Vol. 1. No. 3.

21. Matt Elbeck. (2010). Arabian Gulf Innovator attitudes for online Islamic bank marketing strategy, Journal of Islamic Marketing. Vol. 1. No. 3.

22. Mahmoud Arafat El- Bassiouny Nofal, (2013), Op. Cit. pp. 338.

23. Reem Essam Ahmed. (2015). The Impact of customer perceived value in E- Banking Service on Customer Loyalty. Master Thesis. Faculty of Commerce. Cairo University.

24. Abdelaziz Ali Marzouk, (2011), Determinants of marketing culture and its reflection on customer satisfaction: an empirical study on public sector of commercial banks in Menoufia, Egyptian journal of commerce studies, Vol. 35, No. 3, pp. 156 - 169.

25. Waheed Akhter, Abdus Sattar, Imran Ali, and Hasan Afzal. (2011). Factors Affecting Customer loyalty in Pakistan. African Journal of Business Management. Vol. 5(4). pp. 1167 - 1174.

26. Manal Sobhy Ali Al-balkasy, (2017), The Impact of Internet Marketing on the development of banking services, Egyptian journal of commerce studies, Faculty of Commerce, Mansoura University, No. 4, pp. 317 - 363.

27. Aziza Tawfik Abdelghafar El-Sayed, (2019), the role of customer participation in increasing loyalty: a field study on commercial bank customers, JCES, Business Administration department, Faculty of Commerce, Suez Canal University, Vol. 10, No. 4, pp. 282 - 305.

28. Feras Mosalam & Emad Ahmed, (2016), The Impact of E-Marketing on Banks' Customers Satisfaction: A Case study on Jordan Commercial Bank, Dirasat Jordan Journal, The University of Jordan , Vol. 42, No. 1, pp. 203 -220.

29. Brown, S. A., and Venkatesh, V. (2005). Model of Adoption of Technology in the Household: A Baseline Model Test and Extension Incorporating Household Life Cycle. MIS Quarterly (29:4). pp. 399-422.

- Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly.157-178.

30. Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View, MIS Quarterly, Vol. 27, No. 3, pp. 455.

31. Msaed, C., Al-Kwifi, S. O., & Ahmed, Z. U., (2017), Building a comprehensive model to investigate factors behind switching intention of high-technology products, Journal of Product & Brand Management, 26 (2), pp. 102-119.

32. Ndubisi, N. O., & Sinti, Q., (2006), Consumer attitudes, system's characteristics and internet banking adoption in Malaysia. Management Research News. Vol. 29, No. 1/2, pp. 19.

33. Samy Tayie, (2001), Media Research, first edition, Dar El Nahda, Cairo, pp. 221.

34. M.E.Smith., (2002), Management Research: An introduction, 2nd ed, London Saga Publication. p 52.

35. Samy Tayie, (2001), Op. Cit. pp. 306.

36. https://www.statista.com/statistics/330695/number-of-smartphone-users-worldwide.

37. Alalwan, A. A., Dwivedi, Y. K., & Williams, M. D. (2014). Examining Factors Affecting Customer Intention And Adoption Of Internet Banking In Jordan. UK Academy for Information system Conference.

38. Riffai, M. M. M. A., Grant, K., & Edgar, D. (2012). Big TAM in Oman: Exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman. International journal of information management. Vol.32, N.3. 239-250.

39. Marwa Sobhy Mohamed, (2018), Motives and Outcomes of the Egyptian Consumer's Use of Smart Phone Applications in Clothes shopping, Scientific Journal of Public Relations & Advertising Department, Faculty of Mass Communication, Cairo University, No. 13, pp. 113-173.

40. Rahi, S., Yasin, N. M., & Alnaser, F. M. (2017). Measuring the role of website design, assurance, customer service and brand image towards customer loyalty and intention to adopt internet banking. The Journal of Internet Banking and Commerce, Vol. 22, No. S8,. An open access Internet journal (http://www.icommercecentral.com).

41. Alwan, H. A., & Al-Zubi, A. I. (2016). Determinants of internet banking adoption among customers of commercial banks: an empirical study in the Jordanian banking sector. International Journal of Business and Management, Vol. 11, No. 3.

42. Ahmed Ibrahim Hassan, (2021),Factors Affecting the Use of Electronic Services for the Egyptian Tax Authority in light of digital transformation using UTAUT2 Model, JCCS, Faculty of Commerce, Kafr ElShiekh University, Vol. 7, No. 11, pp. 141.

43. Riffai, M. M. M. A., Grant, K., & Edgar, D. . Op. Cit. p 247.

44. Fawzy, S. F., & Esawai, N. (2017). Internet banking adoption in Egypt: Extending technology acceptance model. Journal of Business and Retail Management Research, 12(1). 109-118.

45. Abdelmoniem Mohamed Rashad, (2007), Factors Affecting Customer Trust Towards Online Shopping, An Empirical study of the websites of some industrial and service organizations, AFBJ, No. 1 & 2 , pp. 146 - 147.

46. Alalwan, A. A., Dwivedi, Y. K., & Williams, M. D Op. Cit. p. 14.

47. Marwa Sobhy Mohamed, (2018), Op. Cit., pp. 151.

48. Lamia Ahmed Osman, (2021), The effect of organizations' use of the integration strategy between marketing channels on the consumer's purchasing intention: a study on marketing channels inside and outside the internet environment, Master's Thesis, Advertising & Public Relations Department, Faculty of Mass Communication, Cairo University.
49. Venkatesh et al, Op. Cit. p . 163.

50. Sharif, A., & Raza, S. A. (2017). The influence of hedonic motivation, self-efficacy, trust and habit on adoption of internet banking: a case of developing country. International Journal of Electronic Customer Relationship Management, Vol. 11, No.1, pp. 15.

51. Lamia Ahmed Osman, (2021), Op. Cit., pp. 214.

52. Fawzy, S. F., & Esawai, N., (2017), Op. Cit. p. 6.