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Journal articles on the topic 'And commercial banking'

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Published: 5 June 2025

Last updated: 1 August 2025

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1

Banking A, Digital. "Digital Banking - A Commercial Tool for Banking Industry." International Journal of Science and Research (IJSR) 11, no. 3 (2022): 1144–45. http://dx.doi.org/10.21275/mr22323112721.

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Misozi, Siasulingana, and Lubinda Haabazoka Dr. "A Study of the Effects of Mobile Banking Services on the Financial Performance of Zambian Commercial Banks - A Case Study of Atlas Mara." Social Science Journal for Advanced Research 4, no. 2 (2024): 22–34. https://doi.org/10.5281/zenodo.10795845.

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This paper sought to determine the effects of Mobile Banking Services on the Financial Performance of Zambian Commercial Banks focusing on Atlas Mara as a case study. The study endeavoured to determine the impact of mobile banking access, mobile banking loans and mobile banking risks on commercial banks' financial performance. The study made use of descriptive research design. Atlas Mara Zambia's senior and middle management staff as well as supervisors made up the study's target population. A total of 287 bank employees were chosen as a sample using purposive and stratified random sampling. T

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Dr.Rajeev shukla. "Impact on Indian Commercial Banks." Knowledgeable Research: A Multidisciplinary Journal 3, no. 01 (2024): 28–36. http://dx.doi.org/10.57067/ezva7g03.

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Financial system is the most important institutional and functional vehicle for economic transformation of any country. Banking sector is reckoned as a hub and barometer of the financial system. As concern of the economy, this sector plays a predominant role in the economic development of the country’s geographical pervasiveness of the bank coupled with the range and depth of their services matter and system an indispensable medium in every day transactions (Dutta, B.K. “Monetary Discipline and Indian Banking pp. 147). The virtual monopoly of banks in terms of mechanism touches the lives of mi

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Rodeo, Scott A. "Beware Commercial Cell-Banking Services." American Journal of Sports Medicine 48, no. 3 (2020): 543–44. http://dx.doi.org/10.1177/0363546520904945.

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5

Khudayberganova, Zarafat Z. "DIRECTIONS FOR IMPROVING REMOTE BANKING SERVICES IN COMMERCIAL BANKS." Journal of Management and Economics 3, no. 12 (2023): 22–27. http://dx.doi.org/10.55640/jme-03-12-06.

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The article discusses ways to improve remote banking services in commercial banks. In particular, the analysis of factors influencing the provision of remote banking services by banks was carried out, directions for improving remote banking services based on individual author's approaches were studied, and relevant scientific proposals and practical recommendationswere developed.

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Mbatiah, M. John, and M. Wilfred Nyakeri. "A Literature Review of the Effect of Digital Banking on the Performance of Commercial Banks in Kenya." International Journal of Social Science and Humanities Research 12, no. 2 (2024): 6–17. https://doi.org/10.5281/zenodo.10964758.

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<strong>Abstract:</strong><em> </em>Digital banking, including technologies such as mobile banking, online banking, and electronic payments, has transformed the financial landscape worldwide, including in Kenya. Although there is an increasingly growing body of literature on digital finance in Kenya this review is a relevant and timely topic of research due to the increasing adoption of digital financial services in the country. This paper, therefore, reviewed existing literature on digital banking with a focus on mobile, online and internet banking and their relation to the performance of com

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Veterina, Isbandini. "Granger Causality Analysis of Shariah Banking Deposit to Conventional Banking Deposit." Jurnal Ilmu Manajemen & Ekonomika 9, no. 1 (2017): 1. http://dx.doi.org/10.35384/jime.v9i1.19.

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Countries with a dual banking system always question the independence of Islamic Bank on conventional bank. Although theoretically there are basic differences between Islamic bank with its profit loss sharing principle and the conventional bank with its interest rate system, but still, is the return that Islamic banks give to their customer is purely based on the bank’s performance? There is always a question that the Islamic Bank system are benchmarking their return rate against the conventional Bank’s interest system. This research purpose is to test the independence of Islamic commercial ba

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Thuranira, John K., Mukaria H. Kimathi, and Dennis K. Murithi. "Digital Channels and Financial Sustainability in Commercial Banks." International Journal of Research and Innovation in Social Science VIII, no. XV (2024): 181–95. https://doi.org/10.47772/ijriss.2024.815ec0014.

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The adoption of digital banking channels has gained significant importance in recent years. Although extensive research highlights the benefits of individual digital banking services, few studies have investigated their collective impact on bank performance, especially in developing countries like Kenya. This study examines the impact of digital banking channels, including Mobile Banking, Electronic Banking, Agency Banking, and Internet Banking, in promoting financial sustainability in commercial banks. The study employed the Technology Adoption Theory (TAT) in evaluating the relationship betw

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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Mediating Effect of Financial Inclusion on the Relationship between Branchless Banking Strategy and Performance of Commercial Banks in an Emerging market Context: The Case of Kenya." International Journal of Economics and Finance 10, no. 7 (2018): 161. http://dx.doi.org/10.5539/ijef.v10n7p161.

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Since 1990 to date, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study investigated the role of financial inclusion on the relationship between branchless banking strategy and financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the effect of agency banking and electronic banking channels on the financial performa

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10

Nduta, Rosemary Wangari, and Jane Wanjira. "E-Banking Strategy and Performance of Commercial Banks in Kenya." International Journal of Current Aspects 3, no. V (2019): 147–65. http://dx.doi.org/10.35942/ijcab.v3iv.68.

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Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercia

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11

KOVALCHUK, Svitlana, and Yevgena ZABURMEKHA. "ANALYSIS OF MARKETING COMMUNICATIONS OF COMMERCIAL BANKS." Herald of Khmelnytskyi National University 294, no. 3 (2021): 177–81. http://dx.doi.org/10.31891/2307-5740-2021-294-3-27.

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A sign of the modern financial market is the intensification of competition between commercial banks, the emergence competitors in the face of other financial intermediaries, creating new and improving existing ones banking products, increasing customer requirements for the quality of banking services, increasing influence information technology. Intensive use of marketing communications by banking institutions, main functions which are informing consumers about the features and benefits of banking products and services, incentives demand, maintaining customer loyalty, creating a positive imag

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STEVEN, AINEBYONA, and RUTARO ABAS. "Mobile Banking and Financial Performance of Commercial Banks: A Case Study of Selected Commercial Banks in Uganda." International Journal of Innovative Science and Research Technology 7, no. 10 (2022): 873–80. https://doi.org/10.5281/zenodo.7299480.

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The study concentrated on assessing the relationship between Mobile Banking and Financial Performance of the selected Commercial banks in Uganda. This was attained through assessing the relationship between mobile transaction volumes, mobile banking products, mobile banking technological investment and financial performance. This study undertaken a quantitative and non-experimental research, co-relational, cross-sectional and survey design. The target population was 120 employees and managers of three selected commercial banks that include Equity Bank, DFCU and Centenary bank from where a samp

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13

Adhikari, Shankar Nath. "Exploring the effects of E-Banking Products and Services on Conventional Banking Transactions in Nepalese Commercial Banks." Nepalese Management Review 20, no. 1 (2024): 103–23. http://dx.doi.org/10.3126/tnmr.v20i1.64743.

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This research investigates the growing scenery of E-Banking Products and Services within Nepalese Commercial Banks and their impact on conventional banking transactions. In the context of global financial sector transformations driven by technology, this study seeks to provide insights into the specific implications for Nepal's banking industry. To achieve this, the research employs a comprehensive framework, analyzing the range of E-Banking Products and Services currently offered by Nepalese Commercial Banks. It describes e-banking as the ATM banking, Internet banking and Mobile banking

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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya." International Journal of Financial Research 8, no. 4 (2017): 167. http://dx.doi.org/10.5430/ijfr.v8n4p167.

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The Banking sector acts as the life blood of modern trade and economic development. Commercial banks influence, facilitate and integrate the economic activities like resources mobilization, poverty elimination, production, and distribution of public finance. The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in the banking industry. In the last two decades, a lot of banking innovation has taken place in order to improve commercial banks financial

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15

Auliana and Saladin Ghalib. "Pengaruh Gaya Kepemimpinan Transformasional Dan Budaya Organisasi Terhadap Kinerja Karyawan Dengan Motivasi Sebagai Variabel Intervening(Studi Kasus Bank Mandiri Divisi Commercial Banking Kota Banjarmasin)." JURNAL BISNIS DAN PEMBANGUNAN 13, no. 1 (2024): 49–62. https://doi.org/10.20527/rv779k19.

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This study aims to examine the effect of Transformational Leadership Style and Organizational Culture on Employee Performance with Motivation as an Intervening Variable (Case Study of Bank Mandiri Commercial Banking Division, Banjarmasin City). The approach used in this research is quantitative, with the type of causality associative research. The sampling method used nonprobability sampling with saturated sampling method for 32 employees of KC. Bank Mandiri Banjarmasin in the Commercial Banking division. Data collection using a google form questionnaire was distributed via Whatsapp to each re

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16

SKLYAROV, I. Yu, Yu M. SKLYAROVA, and L. A. LATYSHEVA. "COMMERCIAL BANK FINANCIAL RISK MANAGEMENT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3, no. 4 (2021): 84–89. http://dx.doi.org/10.36871/ek.up.p.r.2021.04.03.012.

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The article discusses the main ways and methods of financial risk management in a commercial bank. The main goal of financial risk management is to reduce financial losses through the implementation of certain methods, such as hedging, insurance, provisioning, etc. The current problem of financial risk management in the banking sector indicates the absence of an integral system of their management. To overcome critical situations and create an innovative risk management system in banking institutions, it is advisable to develop and implement new and more effective methods of banking risk manag

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PhD, Onwuteaka, Ifeoma Cecilia, Molokwu, Ifeoma Mirian, and Aju Gregory C. "Impact of Commercial Banking on Nigeria Industrial Sector." International Journal of Trend in Scientific Research and Development Volume-3, Issue-3 (2019): 752–59. http://dx.doi.org/10.31142/ijtsrd23140.

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18

К. А. Кirdasinova, R. K. Sabirova, D. A. Aibossynova, and G. К. Kabdullina. "CONTEMPORARY MANAGEMENT OF COMMERCIAL BANKS." BULLETIN 1, no. 383 (2020): 226–34. http://dx.doi.org/10.32014/2020.2518-1467.28.

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The development of a market economy is characterized by instability of both external and internal organizational environment, which leads to the succession of the influence of the compared competitive advantages of credit and financial market entities on the formation of their competitive positions, which, in turn, means that the competitiveness of banks, like other financial institutions, is a relative concept. Competition is a rather subtle and flexible concept. In conditions of reduced demand for banking products and services, banking organizations that provide low-quality banking services

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19

Akhter, Ireen, Shakila Yasmin, and Nusrat Faria. "GREEN BANKING PRACTICES AND ITS IMPLICATION ON FINANCIAL PERFORMANCE OF THE COMMERCIAL BANKS IN BANGLADESH." Journal of Business Administration 42, no. 1 (2020): 1–23. https://doi.org/10.5281/zenodo.7013423.

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Green banking means incorporation of environmental issues in all sorts of banking activities ranging from communication to clients, marketing, service delivery, in house operations to selection of projects to finance. The central bank of Bangladesh insists all commercial banks to implement green banking policy guidelines and make green investments. This study examines the implementation status of the green banking policy guideline and the impact of green banking practices on the financial performance (ROA, ROE, ROI) of the commercial banks in Bangladesh. By analyzing 3 years’ (2016-2018)

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20

Schweikart, Larry. "U.S. Commercial Banking: A Historiographical Survey." Business History Review 65, no. 3 (1991): 606–61. http://dx.doi.org/10.2307/3116769.

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In this wide-ranging essay, a banking historian surveys the major debates in the historiography of U.S. commercial banking. Touching on various controversies in the field—old, new, and brewing, from financing the Revolution to the savings and loan crisis—the article serves as a guide to the parameters of debate and provides an introductory bibliography to acquaint interested readers with banking literature from colonial times to the present.

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21

Zholamanova, M., and A. Zhurgembayeva. "Credit risk management in commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU 143, no. 2 (2023): 168–75. http://dx.doi.org/10.32523/2789-4320-2023-2-168-175.

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Development of the banking sector in Kazakhstan is characterized by a rapid pace. This growth is combined with increased competition, access to foreign markets, and the birth of new banking products. Most banking services fall on credit activities. In this regard, it is relevant to build an effective risk management of the loan portfolio. The purpose of the study is to develop proposals for improving the management of credit risks in the banking sector. The research methodology is based on the use of such methods as generalization, statistical methods, comparative analysis and statistical meth

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22

Hidayatullah, Indra, and Maulana Ainul Yaqin. "Risk Of Istishna Contracts In Sharia Commercial Banks." Muhasabatuna : Jurnal Akuntansi Syariah 1, no. 1 (2022): 027–40. http://dx.doi.org/10.54471/muhasabatuna.v1i1.1699.

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The Indonesian banking crisis in 2007 made the economic turmoil in Indonesia unstable. In situations and circumstances like this, financing risk is needed which is an important factor in realizing a sound banking system. However, the regulations, especially regarding the risk of banking financing, are in fact not sufficient to guarantee the banking system is free from all problems, especially in istisna financing.

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23

Njiru, Francis, and Dominic Ngaba. "Branchless Banking and Financial Performance of Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 6, no. 1 (2024): 35–45. http://dx.doi.org/10.35942/nqjehx93.

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Commercial banks remain the principal constituents within the financial sector. Their performance is important since it serves other sectors, for example fishing, agriculture, manufacturing, energy and petroleum, mining, hospitality as well as tourism within the economy. Commercial banks’ performance shows a direct effect towards the overall economy and hence there is need for stability in their performance. The current study targets to evaluate how branchless banking impacts financial health of banks. The study aims to establish how banking via mobile phones affects Kenyan banks' performance,

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24

Loi, Nguyen, Nguyen Thanh Quang, and Nguyen Thanh Tien. "Factors Affecting the Sustainable Development of Commercial Banks." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 22 (April 4, 2025): 484–92. https://doi.org/10.37394/23207.2025.22.44.

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Globalization and the increasing instability of conflicts, supply chain disruptions, climate change... have caused many serious consequences affecting the production and business activities of enterprises and the daily lives of people in general. Therefore, more and more countries, enterprises, households and individuals are interested in the trend of sustainable development. Commercial banks operate in the field of currency and banking, related to most areas of the economy, the sustainable development of banks is extremely important in supporting and promoting sustainable economic growth. Cur

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25

Hultman, Charles W. "International Banking and U.S Commercial Policy." Journal of World Trade 19, Issue 3 (1985): 219–28. http://dx.doi.org/10.54648/trad1985024.

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26

Bednarska-Olejniczak, Dorota. "Innovations in Commercial Banking ‒ Marketing Approach." Marketing i Zarządzanie 44 (2016): 281–88. http://dx.doi.org/10.18276/miz.2016.44-25.

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27

Khactu, Dominique N., and Eric N. Compton. "The New World of Commercial Banking." Southern Economic Journal 55, no. 2 (1988): 522. http://dx.doi.org/10.2307/1059134.

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28

Shaffer, Sherrill, and Edmond David. "Economies of superscale in commercial banking." Applied Economics 23, no. 2 (1991): 283–93. http://dx.doi.org/10.1080/00036849100000135.

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29

Knight, Tonya, Farhad Hossain, and Christopher J. Rees. "Microfinance and the commercial banking system." Progress in Development Studies 9, no. 2 (2009): 115–25. http://dx.doi.org/10.1177/146499340800900203.

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30

Piekenbrock, Andreas, and Daniel Rodi. "Privatautonomie im Bereich des Commercial Banking." Zeitschrift für Bankrecht und Bankwirtschaft 31, no. 4 (2019): 245–54. http://dx.doi.org/10.15375/zbb-2019-0404.

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Zusammenfassung Der Beitrag bildet den Auftakt zu einer zweiteiligen Abhandlung über den Zustand der Privatautonomie im Bereich des Commercial Banking, insbesondere deren Einschränkung durch jüngere gesetzliche Neuregelungen sowie die Rechtsprechung des XI. Zivilsenats des BGH. Kernthema des ersten Teils sind die Abschluss- und die Beendigungsfreiheit, die im Hinblick auf den Kontrahierungszwang für Basiskonten nach dem Zahlungskontengesetz (§ 31 Abs. 1 ZKG) sowie das Pfändungsschutzkonto (§ 850k ZPO) untersucht werden. Hierbei erweist sich der Kontrahierungszwang nach dem ZKG trotz denkbarer

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Piekenbrock, Andreas, and Daniel Rodi. "Privatautonomie im Bereich des Commercial Banking." Zeitschrift für Bankrecht und Bankwirtschaft 31, no. 5 (2019): 285–97. http://dx.doi.org/10.15375/zbb-2019-0503.

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Zusammenfassung Der Beitrag schließt die in ZBB 2019, 245 begonnene zweiteilige Abhandlung über den Zustand der Privatautonomie im Bereich des Commercial Banking ab. Er befasst sich eingehend mit der Inhaltsfreiheit, namentlich deren Beschränkung durch den Kontrahierungszwang nach dem Zahlungskontengesetz (§§ 31 ff. ZKG), durch sonstiges zwingendes Recht sowie insbesondere durch die seitens des XI. Zivilsenats des BGH sehr streng gehandhabte AGB-Kontrolle. Hierbei ergibt sich u. a., dass ein Verstoß gegen den Angemessenheitsvorbehalt in § 41 Abs. 2 ZKG zur Unentgeltlichkeit des Kontos führt un

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32

Graddy, Duane B., and Gary Hall. "Unionization and productivity in commercial banking." Journal of Labor Research 6, no. 3 (1985): 249–62. http://dx.doi.org/10.1007/bf02685409.

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Handajani, Lilik, Akram Akram, and Ayudia Sokarina. "CREDIT RISK DETERMINANTS OF COMMERCIAL BANKING." Jurnal Aplikasi Akuntansi 8, no. 2 (2024): 468–81. http://dx.doi.org/10.29303/jaa.v8i2.347.

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Studies on non-performing loans in banking provide mixed results regarding the bank-specific factors that influence them. This research aims to analyze the determinants of credit risk in commercial banking in Indonesia. Testing was conducted on 32 banking companies listed on the Indonesia Stock Exchange for 2019-2021 with 96 observations using panel data regression. The research results show that increasing bank diversification and external audit quality significantly reduce the risk of credit non-performing loans (NPL). Other findings of this research show that credit growth, operational effi

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Popoola, S. O., and Yacob Haliso. "Management Perceptions of Internet-Based Banking Services in Nigerian Commercial Banks." African Research & Documentation 112 (2010): 37–52. http://dx.doi.org/10.1017/s0305862x00020963.

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AbstractThis study investigates management perceptions of internet-based banking services with special references to commercial banks in Nigeria. There was a significant difference between male and female management perceptions of internet-based banking services; management had significant positive rather than negative perception of Internet-based banking services; there was a significant difference between strategic and tactical management perceptions of Internet-based banking services. Gender age, work experience, management cadre and computer experience/training strongly influenced the mana

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Abdullai, Hussein Muthoni. "THE INFLUENCE OF INTERNET BANKING ON OPERATIONAL PERFORMANCE: A CASE STUDY OF COMMERCIAL BANKS IN NAKURU COUNTY, KENYA." International Journal of Economics Finance & Management Science 09, no. 02 (2024): 08–13. http://dx.doi.org/10.55640/ijefms-9149.

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"The Influence of Internet Banking on Operational Performance: A Case Study of Commercial Banks in Nakuru County, Kenya" investigates the impact of internet banking on the operational performance of commercial banks in Nakuru County, Kenya. Utilizing a case study approach, this research assesses the extent to which internet banking adoption influences various operational metrics such as efficiency, customer satisfaction, and cost reduction within commercial banks operating in Nakuru County. Through qualitative and quantitative analyses, the study examines the advantages and challenges associat

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Hamdi, Luthfia Ahluljannati. "Dampak Inovasi Internet Banking (E-Banking) Terhadap Kinerja Bank Umum Syariah Di Indonesia." Diponegoro Journal of Islamic Economics and Business 5, no. 1 (2025): 33–48. https://doi.org/10.14710/djieb.26562.

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One of the non-cash transactions implemented in Islamic Commercial Banks in Indonesia is internet banking (e-banking) services. This study aims to determine the impact of Internet Banking (E-Banking) innovation on the financial performance of Islamic Commercial Banks in Indonesia. The population of this study consists of all Islamic Commercial Banks in Indonesia in 2013 to 2023. According to the Financial Services Authority's Islamic Banking Statistics Data in 2013, there were 11 Islamic commercial banks in Indonesia. As a result of the merger of several Islamic banks, this study obtained data

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Ireri, Naomi Wanja, and Gladys Kimutai. "Financial Innovations and Performance of Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (2020): 21–33. http://dx.doi.org/10.35942/ijcfa.v2i2.128.

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Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Ken

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Wen, Sijia, Jishan Ma, Yawen Pan, Yuan Qi, and Ruizhi Xiong. "The Impact of Business Scale of “Shadow Banking” on Credit Risk of Commercial Banks --Take Ten Domestic Listed Commercial Banks as Examples." International Journal of Economics and Finance 9, no. 5 (2017): 94. http://dx.doi.org/10.5539/ijef.v9n5p94.

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In this article, according to search for the definition of shadow banking, we can make sure the business kinds of “shadow banking”, discuss the influence of business in “shadow banking” on credit risk of commercial banks, and study the elements which may increase the credit risk of commercial banks by using the semi-annual panel data during 2011-2016 of 10 listed banks. Then we can come to some primary conclusions: The credit risk of commercial banks is related to the shadow banking business. All the survival scale increment of financial products increasing, the size of entrusted loans increas

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Isabwa, Harwood Kajirwa. "Effect of Mobile Banking on Financial Inclusion Among Commercial Banks in Kenya." International Journal of Business, Management and Economics 2, no. 3 (2021): 184–97. http://dx.doi.org/10.47747/ijbme.v2i3.315.

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Mobile banking is a precursor for the realization of financial inclusion among commercial banks in Kenya. The study's main objective was to determine the effect of mobile banking on financial inclusion among commercial banks in Kenya. The study adopted a positivism research philosophy. The study adopted an expo-facto research design because secondary data was the primary source data. The target population was 43 commercial banks in Kenya. The sample size was 39 commercial banks, but only ten commercial banks were selected because they had the best mobile banking apps. Inferential statistics ad

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Al-Nassar, Amjed Jasim Naeemah. "Factors Affecting E-Banking Service in Jordanian Commercial Banks." European Journal of Business and Management Research 8, no. 6 (2023): 182–88. http://dx.doi.org/10.24018/ejbmr.2023.8.6.2156.

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This study aimed to determine the variables influencing electronic banking services in Jordanian commercial banks. The study sample consisted of 13 commercial banks, according to the study’s variables. The descriptive and analytical approach and other statistical techniques were employed, including the fixed effect test and descriptive statistics. No statistically significant impact at the level was found, according to the findings of significance (p < 0.05) for total assets on electronic banking services, and there is no statistically significant impact at the level of significance (p <

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Betty, Ruth Osiolo, and Sije Antony. "EFFECT OF MOBILE BANKING ON PERFORMANCE OF COMMERCIAL BANKS IN KENYA." International Journal of Social Science and Humanities Research 11, no. 3 (2023): 182–89. https://doi.org/10.5281/zenodo.8330345.

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<strong>Abstract:</strong> The study specifically focused on establishing the effect of mobile banking on performance of commercial banks in Kenya. The theories that anchored the study comprised of Technology Acceptance Model (TAM), Schumpeterian Theory of Creative Destruction, Disruptive Innovation Theory, and Diffusion of Innovation Theory. A descriptive research design was employed in the study. The target population comprised of 42 licensed commercial banks operating in Kenya. The units of observation comprised of strategic planning managers, operations managers and finance managers. Three

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Hasegawa, Toshiaki. "Commercial banking in the United States: Japanese Commercial banks' presence." Journal of Asian Economics 4, no. 2 (1993): 419–28. http://dx.doi.org/10.1016/1049-0078(93)90054-g.

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Sugihyanto, Toto, and Regina Jansen Arsjah. "The Effect of Digital Banking, Digital Transformation on the Efficiency of Commercial Banks in Indonesia." International Journal of Islamic Education, Research and Multiculturalism (IJIERM) 5, no. 2 (2023): 387–408. http://dx.doi.org/10.47006/ijierm.v5i2.242.

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The purpose of this paper is to assess the efficiency of the general banking industry in Indonesia on the use of digital banking and digital transformation. This paper is a research paper with quantitative methods and uses primary data collected by researchers using questionnaires. As for the data analysis method with PLS software SmartPls. The respondents were employees of commercial banks consisting of ten Islamic commercial banks and eleven conventional commercial banks. Findings - Investigative findings show that the banking industry in Indonesia is generally on a trend of increasing effic

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Tahir, Muhammad, and Mallesh Tummala. "A Study of Factors Influencing Customers’ Adoption of Mobile Banking in Oman." Advances in Social Sciences Research Journal 9, no. 5 (2022): 1–11. http://dx.doi.org/10.14738/assrj.95.12121.

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   The commercial banking sector in Oman is a dynamic sector with a large number of banking service users. However, the customers’ adoption of technology in terms of online banking and mobile banking remains less due to the various socio-demographic factors. Given the cost and operational benefits of mobile banking, there is a need to understand how commercial banks can motivate non-mobile banking users to adopt mobile banking in this context. Thus, the current study is conducted with a view to understand customers’ adoption of mobile banking using the Perceived Characteristi

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Dr., Rinkoo Shantnu, and Neha Salagare Mrs. "A Study of the Customers Perception towards Digital Banking Services of Commercial Banks in Kalyan-Dombivli Region." International Journal of Advance and Applied Research S6, no. 19 (2025): 127–33. https://doi.org/10.5281/zenodo.15100990.

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<em>Technology has changed drastically and is continuing to change the way banking is conducted. Every new development in technology is widely accepted by banking and finance through various digital platforms of banks. The present paper attempts to study the customers perception towards digital banking of commercial banks in kalyan Dombivli Region and to learn the usage of various digital banking applications among customers of commercial banks in day to day life. For studying customers perception to digital banking services percentage method and chi-square test is applied. It also highlights

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Thuranira, John K., Mukaria H. Kimathi, and Dennis K. Murithi. "Digital Banking Channels, Financial Inclusion and Commercial Bank Sustainability in Kenya." International Journal of Research and Innovation in Social Science VIII, no. XV (2024): 164–80. https://doi.org/10.47772/ijriss.2024.815ec0013.

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The increasing use of digital banking channels has transformed the financial landscape globally, including in Kenya. While digital banking is believed to enhance financial sustainability, the role of financial inclusion in explaining this relationship remains unclear. Previous studies have examined the impacts of digital banking and financial inclusion separately, but little research has explored how financial inclusion influences the link between digital banking and financial sustainability in commercial banks. This study explored the relationship between digital banking channels, financial i

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Kassaye, Abebe, and Anteneh Alamirew. "Effect of E-Banking Service on Financial Performance of Commercial Banks: A Case of Selected Private Commercial Banks in Ethiopia." Journal of Business and Economic Development 10, no. 2 (2025): 45–57. https://doi.org/10.11648/j.jbed.20251002.11.

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This study examines the impact of e-banking services on the financial performance of selected private commercial banks in Ethiopia. It focuses on the roles of ATM, POS, Internet Banking (IB), Debit Card (DC), and Mobile Banking (MB) services. Financial performance is evaluated using Return on Assets (ROA) and Return on Equity (ROE) as key indicators. A panel dataset was collected from six purposely selected private commercial banks: Awash Bank S.C., Bank of Abyssinia, Dashen Bank, Cooperative Bank of Oromia, United Bank, and Zemen Bank S.C., covering the period from 2018 to 2023. Utilizing a q

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Mchembere, David, and Dr A. O. Jagongo. "Effect of Agency Banking Operation on Profitability of Commercial Banks: A Case Of Selected Commercial Banks in Nairobi County." International Journal of Finance and Accounting 2, no. 1 (2017): 123. http://dx.doi.org/10.47604/ijfa.268.

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Purpose: The purpose of this study was to establish the effects of agency banking operation on profitability of commercial banks.Materials and methods: The research design used for this study was descriptive design. The target population will be all eleven commercial banks offering agency banking. The study will conduct a census for all the banks. Data will be collected by use of a questionnaire and secondary data. Data will be analyzed mainly by use of descriptive and inferential statistics. Descriptive statistics will include mean and standard deviation. Data will also be presented by use of

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Guna Raj Chhetri. "Electronic Banking and Its Impact on Customer Satisfaction of Nepalese Commercial Banks." Pravaha 29, no. 1 (2023): 123–30. http://dx.doi.org/10.3126/pravaha.v29i1.71412.

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Electronic Banking and its impact on customer satisfaction of Nepalese commercial banks explores the relationship between internet banking and customer satisfaction. Internet banking allows customers to conduct real-time banking transactions electronically, offering convenience and accessibility. Utilizing a descriptive and casual comparative research design, the study examines internet banking users across 20 commercial banks in Nepal, focusing on Nepal Investment Bank Limited, Nabil Bank Limited, and Himalayan Bank Limited. Through purposive sampling, 150 respondents were selected, with 50 f

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Abdrasulova, Zh, and S. Abdrasulova. "Digitalization of the Banking Sector Economy: Problems and Ways of Improvement." Bulletin of Science and Practice, no. 3 (March 15, 2023): 288–94. http://dx.doi.org/10.33619/2414-2948/88/34.

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This article discusses some of the problems and ways to improve the banking sector digitalization economy, or rather the process of promoting Internet banking of banking services. Research objectives: to reveal the relevance of digitalization of banking services in the economy, to identify the advantages and disadvantages of banking digitalization. Research materials and methods: a SWOT analysis of Internet banking in the activities of commercial banks is being carried out. Research results: implementation of an economic assessment in the implementation of banking products and the development

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