Third: the field study and results analysis:
The research includes a field study that aims to enhance the methodology of the research in the framework of providing the best solution for the problem by a scientific guidance for the practical examinations of the hypotheses that the study approach is based upon. The study took place on a sample of joint stock companies that are specialized in the fields of banking and insurance by preparing a questionnaire for collecting the
information by using statistical methods in order to reach a set of results connected to the areas of the research.