دور الــرقــابــة الإلــكتــرونـيـة فــي تحسين إدارة الــمــخــاطــر الــمــصــرفــيــة في فلسطين: دراسة تطبــيــقــيــة

The study aimed to explore the role of electronic monitoring in improving banking risk management (an applied study). It adopted a descriptive-analytical approach and included a population of 640 employees working in banks listed on the Palestine Stock Exchange, active in the Gaza Strip. A real sample of 240 valid questionnaires was selected. The study utilized statistical analysis software (SPSS, version 28) for conducting statistical procedures. The study found significant results, notably a strong statistically significant relationship (0.85 correlation coefficient) between electronic monitoring and improved risk management, indicating the prominent role of electronic monitoring in enhancing risk management efficiency and its positive impact on the performance of Palestinian banks under study. The results also demonstrated a strong positive correlation (correlation coefficient of 0.92) between electronic monitoring and customer protection, reflecting the ability of electronic monitoring to safeguard systems and operational processes from cyber threats and ensure effective and secure continuity of operations. The study presented a set of recommendations to enhance the role of electronic monitoring, including the necessity to focus on enhancing technical capabilities of staff through organizing intensive training programs enabling them to proficiently handle electronic systems, thereby enhancing the quality and effectiveness of monitoring. It also recommended conducting economic feasibility studies to analyse the costs of electronic protection with the aim of reducing them without compromising security levels, alongside strengthening electronic defence systems through adopting advanced technologies to ensure the protection of operational systems from attacks and technical failures. The study further emphasized the importance of enhancing monitoring and automated verification systems to encompass all financial transactions, contributing to error reduction, and ensuring the safety of banking procedures.