The Effect of Using Financial and Banking Application Programs via Smart Phones on Customers' Satisfaction in Jordanian Commercial Banks

The study aimed to identify the impact of the use of financial and banking application programs via smart phones on customers' satisfaction in Jordanian commercial banks. The researcher has developed the study tool (the questionnaire) to collect information, and (500) questionnaires were distributed to the respondents, (90) of them were excluded, because the respondents do not use smart applications through phones, and the researcher relied on (410) questionnaires that analyzed their data. The results of the study were: There is an impact of the applied and financial programs combined, which were represented in the following dimensions (cash transfer programs, bank statement programs, bill payment programs) on customers' satisfaction in Jordanian commercial banks by the respondents, and among the most important recommendations of the study were: Carrying out marketing campaigns aimed at increasing customers? awareness of electronic banking services. To acquaint customers with the advantages and benefits of the services provided through smart phones and their importance, and how to use them. Work to focus on trust factors and provide necessary protection for phone applications because of their major role in attracting a larger segment of customers. Keywords: Effect, Smart Phones, Applications, Commercial Banks, Jordan.