ماهية الخدمات المصرفية في المصارف الإسلامية: أبعادها، وعناصرها، وخصائصها - دراسة تحليلية- The Nature of the Banking Services in Islamic Banks: their Dimensions, Components and Characteristics - An Analytical Study

The banking services is considered to be one of the most important banking activities, and this importance is increased when we consider that the customers recognize the services as the frontal face of the bank. The customers measure the quality of the bank through the quality of its services. Banking services in Islamic banks are more sensitive given that Islamic banking is characterized by special risks that are clearly reflected in the concept of banking services. These risks are represented in the risk of reputation for compliance with Shari\u27ah. This risk is represented furthermore in the assumption that the Islamic bank is committed to the Islamic values and ethics, the client expects these assumptions to appear in the banking service he receives. This study works on identifying the true nature of banking services in the Islamic banks, and the dimensions and elements of the banking service.This study works furthermore on determining the components of the banking services and the important trends considering the banking service. This study tries to define the aspects and elements of the banking services in order to develop an integrated model for Islamic banking services. This study has arrived into determining four basic dimensions for the services: The first: the utilitarian dimension. The second is the dimension of personality. The third: the marketing dimension. And the fourth: the legitimate dimension. This study arrived furthermore into determining the characteristics of the banking service. These characteristics are: the intangibility of the service, Inseparability, the service being based on the element of trust, the characteristic of rapid depreciation, the character of utility based on the client\u27s Inclusion, the Typical symmetrical content of the service, the changeability, the disparity of the relative importance, and the futuristic importance and the difficulty of the service to be patternized. This study concluded that the elements of service are: finance, information, communications, technology, the Internet and competition