Factors Affecting the Spread of Electronic Banking Cards from the Perspective of Bank Employees

Abstract

The study addressed the most important factors influencing the prevalence of electronic banking card use among bank customers in Libya, Among the most important results reached through a simple linear regression test to measure the relationship between a group of independent variables customers banking awareness, confidentiality and security communications infrastructure, the spread of point .of. sale ( P.O.S) devices and the prevalence of bank card use. The relationship is significant at the level of (0.001) between the studied variables. The results of simple linear regression analysis also showed that the independent variables, banking awareness, had the greatest degree of influence explaining a high percentage of the change in the dependent variable of the study which is the prevalence of bank cards, at rate of 47.2% when measuring the relationship directly, and the remaining percentage for other variables not included in the test followed by the availability of points of sale, confidentiality and security at rates of 22% and 16% respectively.