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The early adoption of internet banking in Jordan was emerged in 2000 by two local banks; Arab bank, and Jordan Kuwait Bank (Siam, 2006); during the period of 2001-2003 the banks in Jordan not fully utilized the concept of web banking in comparison to developed international markets as US.

During this period as surveyed by Awamleh et al. (2003); limited number of banks in Jordan conduct the transactions online, only two banks offered a limited number of services through their web, no Jordanian bank offers online opening account service or on line investment application service, the web site was used as informational vehicle mainly; detailed institutional information, promotional information, branch locations and detailed information about the broad of directors, contact details, and information on special events were presented in the web sites. These limited applications of internet banking in this period reflects the limitation of adopting internet banking in the Middle East; according to Gurn et al. (2003) the internet banking in the Middle East in 2003 was still in its infancy stage where internet usage is limited.

In 2001 only 18 of 100 top banks in the Middle East had online transactional capabilities as reported by Southwell (2001). However the banks in Middle East in general and Jordan in particular directed during the last few years toward more adopting of new technologies and expand the usage of internet banking as a response for customer needs; according to Southwell (2001) 20% of customers in the Middle Easy will leave their banks if they will not move to online banking. Furthermore according to recent survey of internet banking in Jordan conducted by Siam (2006); the banks desire to adopt internet to achieve a competitive position and as a response to the changes of customers' needs toward low cost and more fast transactions, also as reported by Arab Advisors (2007) the banks in Jordan directed toward the adoption of high technologies in order to push cost more on the front of customers.

The adoption of internet banking in Jordan has been increased dramatically during the last few years, the number of banks adopting internet banking increased from two banks in 2000 to fourteen banks in 2008 out of 23 banks working in Jordan; the kind of players of internet banking in Jordan is clicks-and-mortar model. Despite this recent adoption of internet banking in Jordan, some banks has a competitive position in the middle east and Africa; according to Trajhova (2005), Jordan Kuwait Bank was one of the best consumer internet banking provider in the Middle East and Africa, this bank was the best in bill payment, also as reported by Keeler (2007), Standard and Chartered in Jordan was the best in corporate and institutional internet banking in 2007.

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