@incollection{,
	
					
					
					6B31FD49A0CE270C27094F8421F18BB2
				,
	author={{Torki M.Al-Fawwaz} and {Torki M.Al-Fawwaz} and {Al al-Bayt University, Jordan.}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1566575
}

@incollection{b0,
	
	
		,
	title={{Online banking applications and community bank performance}}
		,
	author={{
			RAcharya
		} and {
			AlbertSrinivasa
		} and {
			R
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			26
			
			,
	year={2008}
		
	

}

@incollection{b1,
	
	
		,
	title={{Impact of website usability on performance: a heuristic evaluation of community bank homepage implementation}}
		,
	author={{
			RAcharya
		} and {
			Kagan
		} and {
			S &Lingam
		} and {
			KGray
		}}
		
		
		
	
	
		,
	journal={{Journal of Business & Economics Research}}
		
			6
			
			,
	year={2007}
		
	

}

@book{b2,
	
	
		,
	title={{Information technology strategies and their role in the enhancement of competitive advantage: developing a model in the Jordanian banking industry, Thesis}}
		,
	author={{
			FAlhawary
		}}
		
			,
	year={2004}
		
		
			Amman Arab University for Graduate Studies
		
	

}

@incollection{b3,
	
	
		,
	title={{SMEs and electronic commerce: a departure from the traditional prioritisation of training?}}
		,
	author={{
			H &Barry
		} and {
			BMilner
		}}
		
	
	
		,
	journal={{Journal of European Industry Training}}
		
			26
			
			,
	year={2002}
		
	

}

@incollection{b4,
	
	
		,
	title={{Does IT Investment improve bank performance? Evidence from Europe}}
		,
	author={{
			EBeccalli
		}}
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			31
			
			,
	year={2006}
		
	

}

@incollection{b5,
	
	
		,
	title={{Explaining the dramatic changes in performance of US banks: technological change, deregulation, and dynamic changes in competition}}
		,
	author={{
			N &Berger
		} and {
			JMester
		}}
		
	
	
		,
	journal={{Journal of Financial Intermediation}}
		
			12
			
			,
	year={2003}
		
	

}

@incollection{b6,
	
	
		,
	title={{A Delphi study of the drivers and inhibitors of internet banking}}
		,
	author={{
			L &Bradely
		} and {
			KStewart
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			20
			
			,
	year={2002}
		
	

}

@book{b7,
	
	
		,
	title={{Return on investment as an indicator of success: an analysis of information technology project management outcomes}}
		,
	author={{
			DCzerwinski
		}}
		
			,
	year={2008}
			,
	address={MN}
		
		
			Capella University
		
	
	,
	note={Ph.D thesis}

}

@book{b8,
	
	
		,
	title={{}}
		,
	author={{
			HDaoud
		}}
		
			,
	year={2010}
			,
	address={Macroeconomics, Dar Almasera}
		
	

}

@incollection{b9,
	
	
		,
	title={{Capturing flexibility of information technology infrastructure: a study of resource characteristics and their measure}}
		,
	author={{
			NDuncan
		}}
	
	
		,
	journal={{Journal of Management Information Technology}}
		
			12
			
			,
	year={1995}
		
	

}

@book{b10,
	
	
		,
	author={{
			FFowler
		}}
		,
	title={{Survey research methods}}
				Sage, CA
		
			,
	year={1993}
		
	

}

@incollection{b11,
	
	
		,
	title={{Investments in information technology (IT) and bank business performance in Ghana}}
		,
	author={{
			TGideon
		} and {
			YLeckson-Leckey
		} and {
			Kofi
		} and {
			HSimon
		}}
		
		
		
	
	
		,
	journal={{International Journal of Economics and Finance}}
		
			3
			
			,
	year={2011}
		
	

}

@incollection{b12,
	
	
		,
	title={{The Economic Value of Network Externalities in an Electronic Inter-Bank Payment Network: An Empirical Evaluation}}
		,
	author={{
			AGunsel
		} and {
			ATukel
		} and {
			EJallath-Coria
		} and {
			T;Mukhopadhyay
		} and {
			SSlaughter
		} and {
			AmirYaron
		}}
		
		
		
		
		
		
	
	
		,
	journal={{International Journal of E-Business and E-Government Studies}}
		
			3
			
			,
	year={2011}
		
	
	,
	note={Does information technology capability improve bank performance? Evidence from Turkey}

}

@incollection{b13,
	
	
		,
	title={{Information technology and firm performance in Korea}}
		,
	author={{
			JKim
		}}
	
	
		,
	journal={{National Bureau of Economic Research Working Paper}}
		
			13
			,
	year={2004}
		
	

}

@book{b14,
	
	
		,
	title={{Information Technology and Productivity Changes in the Banking Industry}}
		,
	author={{
			CLuca
		} and {
			GGiorgio
		}}
		
		,
	editor={Banca Monte dei Paschi di Siena SpA}
		
			,
	year={2007. 2007}
			36
			
		
	

}

@book{b15,
	
	
		,
	author={{
			J &Mann
		} and {
			KGotz
		}}
		
		,
	title={{Management theory and practice in the United States}}
				Pearson, MA
		
			,
	year={2002}
		
	

}

@incollection{b16,
	
	
		,
	title={{Beyond strategic information systems towards an IS capability}}
		,
	author={{
			J &Peppard
		} and {
			JWard
		}}
		
	
	
		,
	journal={{Journal of Strategic Information Systems}}
		
			13
			
			,
	year={2004}
		
	

}

@incollection{b17,
	
	
		,
	title={{The Link between IT Investment and Securities Firms' Returns in Korea}}
		,
	author={{
			JSangjoon
		}}
	
	
		,
	journal={{Journal of Economic Research}}
		
			13
			
			,
	year={2006. 2008}
		
	

}