Importance of Applying Instruments and Techniques of Modern Banking in Strengthening the Overall Performance of Palestinian National Banks

Azmi Awad, Raslan Mohammad


This study aimed to identify the importance of instruments and techniques of modern banking services, as well as to identify the impact of the use of these new tools and techniques on enhancing the overall performance of Palestinian national banks, The study included seven Palestinian national banks and their branches. The study sample consisted of 229 randomly selected employees working in the departments and sections related to this study. The researchers used the descriptive analytical approach through the development of a particular questionnaire to achieve the objectives of the study. The results indicated the existence of a statistically significant effect of the importance of the use of tools and techniques of modern banking on enhancing the overall performance of Palestinian banks, operational cost, profitability, as well as cash flow and competitiveness. Based on the results of the study, the researchers recommended Palestinian national banks to apply the experience of global banks, in order to be gradually transformed into the application of comprehensive banking services in order to enhance their overall performance. The most important themes that must be taken into account include: maximizing the benefit from information and communication technology revolution in the banking business investment, spending in the area of instruments and techniques of modern banking, deepening and expanding of the use of the Internet to provide a variety of advanced banking services to customers more efficiently and costless and working to develop the skills of staff to market the benefits of modern banking, thereby enhancing the increase in market share of the bank and improving the overall performance indicators.


Modern banking instruments, Enhancing the overall performance, National banks, Palestine.


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