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تكييف البيئة المصرفية العراقية وآلية التحول نحو الصيرفة الالكترونية
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إن عملية التحول إلى استخدام نظم وتطبيقات الصيرفة الالكترونية هي احد التحديات الإدارية الكبيرة التي تواجهها المصارف العراقية حاليا ،  إلا انه لا يمكن تحقيق هذا التحول من دون وضع خطة مبنية على أسس صحيحة ومتطورة توائم بين البيئة التي تعمل داخلها المصارف العراقية (ثقافة المصرف وقدراته وإمكانياته والجهات الساندة) من جهة  ، وبين التحديات والمصاعب المرتبطة بالاستخدام المكثف لتكنولوجيا المعلومات والاتصالات من جهة أخرى.

        وقبل الدخول في التفاصيل الخاصة بتكييف بيئة الصناعة المصرفية العراقية وتقديم منهج العمل الخاص بالتحول إلى الصيرفة الالكترونية ،  يمكن القول – ومن دون تقليل دور الجهات الأخرى في العملية الإجمالية -  بأن عملية الموائمة بين البيئة المصرفية وتحديات الصيرفة الالكترونية يمكن أن تتم على ثلاثة أصعدة أساسية وكما يأتي:-

الصعيد الأول:- الدولة: وضع خطة إستراتيجية واضحة لدعم الصيرفة الالكترونية وإزالة العوائق أمامها ولا يعني تدخل الدولة بالضرورة إبقاء سيطرتها المباشرة (تملكها) للقطاعات المختلفة ومنها الاتصالات ، إنما تتدخل لوضع الخطط المناسبة لتوفير ودعم البنى التحتية اللازمة للانترنيت والمساعدة على خلق الوعي العام لدى الجمهور ،  من خلال تعميم النفاذ إلى وسائل الاتصال بجميع إرجاء البلاد  ،  ونشر الثقافة الرقمية في مختلف الميادين.  كما إن الدولة تكون معنية أيضا بوضع الإطار القانوني اللازم الصيرفة الالكترونية الذي يضمن حماية جميع الأطراف المشتركة في العمليات المصرفية وكذلك تأهيل الملاكات البشرية لتكون قادرة على التعامل بكفاءة مع التكنولوجيا الجديدة.

الصعيد الثاني:- المصرف:  وضع خطة إستراتيجية لتطوير التكنولوجيا المستخدمة داخل المصرف والاستفادة مما تقدمه عمليات ربط المصرف بشبكات الاتصالات الداخلية والدولية.  ووضع خطة مكثفة لتطوير أداء وكفاءة العاملين من خلال إشراكهم بدورات مكثفة (داخلية وخارجية)، وذلك بما بتناسب والمهارات التي تتطلبها التطبيقات المصرفية الالكترونية،  والمساهمة في تطوير الوعي المصرفي للجمهور من خلال القيام بحملة إعلامية واسعة للتعريف بالتطبيقات ،  والمهام والخدمات الجديدة التي تطرحها الصيرفة الالكترونية.

الصعيد الثالث:- الزبون:  إن نجاح التطبيقات الجديدة يعتمد بشكل كبير على مدى الاستجابة التي سوف يبديها الزبائن تجاه الخدمات الالكترونية الجديدة.  وكذلك مقدار الوعي الذي يمتلكه هؤلاء الزبائن والذي سينعكس بالتأكيد على سرعة انجاز عملية التكييف للبيئة المصرفية.

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Mon Oct 22 2018
Journal Name
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Performance Appraisal of Human Resource Management and Its Effect on Achieving the Organizational Success -A Field Search at the Ministry of Oil-
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The present study addressed "Performance Appraisal of Human Resource Management and Its Effect on Achieving the Organizational Success", for the topics of performance appraisal of human resource management and the organizational success gained an increasing interest being relatively important and modern topics which had a great effect on the future of organizations.

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Sun Oct 01 2017
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Publication Date
Thu Dec 31 2020
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Publication Date
Fri Jun 01 2012
Journal Name
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Wed Dec 30 2020
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Thu Sep 29 2022
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