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Journal articles on the topic 'Banking access'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

P. Adirinekso, Gidion. "AKSES USAHA MIKRO KECIL DAN MENENGAH KE PERBANKAN DI KABUPATEN GUNUNG KIDUL DAN SLEMAN." Jurnal Riset Manajemen dan Bisnis 6, no. 1 (2011): 1. http://dx.doi.org/10.21460/jrmb.2011.61.68.

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Many survei and research found that Micro, small and medium entreprizes, have some difficulties to access banking sector for a credit. Many constraints to the banking sector can be devided into two categories, first is financial factors and the other is non financial factors.Using logistic regression with 200 respondents, this paper want to identify key factors to access the bank. It found that financial factors did not cause their probability to acces the bank increasingly. But, non financial factor, that is their experiences to have relation withtheir supplier, was caused their probability t

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C, Senthilkumar. "Customer Usages towards E-Banking." Shanlax International Journal of Commerce 6, S1 (2018): 142–47. https://doi.org/10.5281/zenodo.1419422.

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E-Banking is electronic banking which is used by the customer to access transactions electronically through the internet. It is a product designed for online banking that enables customers to have easy and safe access to their bank account. With this service customers save their time by carrying out banking transactions at any place and at any time, from their home or office, all their need is internet access. This study shows a result of e-banking usages of the customers. A hundred respondents are selected to interpret this present study.

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SHEVCHENKO, Volodymyr. "DIDGITALIZATION AND INTERNATIONAL ACCESS TO FINANCE." Management 38, no. 2 (2024): 151–56. http://dx.doi.org/10.30857/2415-3206.2023.2.12.

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INTRODUCTION. The rapid development of information technologies in recent years has resulted in the digitalization of the economy and society. This transformation has led to the emergence of the digital economy, which is characterized by the production of goods and services derived primarily from digital technologies. This shift towards digitalization has had a significant impact on various aspects of the economy, including access to finance, small business development, and innovation. In particular, the banking sector has undergone significant changes as traditional financial institutions emb

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Dey, Soma, and Sacchidanand Majumder. "Identifying factors that influence access to banking services in Bangladesh: A household level analysis." Bangladesh Journal of Scientific Research 30, no. 1-2 (2018): 81–89. http://dx.doi.org/10.3329/bjsr.v30i1-2.36122.

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This study, employing a logistic regression model seeks to identify the important factors that influence household’s access to banking services. The result shows that about 31.7% households have bank account while the remaining 68.3% households have no such account. The result found that with the increase in age of household’s head access to banking services increased gradually. As observed, female headed household have greater access to banking services as compared to male headed household. More so, formerly/ever married headed households have less access to banking services by comparison wit

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Alvarez, R., and R. A. Lopez. "Access to banking finance and exporting." Industrial and Corporate Change 23, no. 6 (2014): 1523–39. http://dx.doi.org/10.1093/icc/dtu031.

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R, Tiffany, and Sangeetha V. "A Study on Consumer Awareness And Usage of E-Banking Transactions through Mobile Phones in Thoothukudi." Shanlax International Journal of Commerce 6, S1 (2018): 151–57. https://doi.org/10.5281/zenodo.1461468.

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Internet Banking enables anytime access to the customer to give the customer's anytime access to their banks. Customers could check out their account details, get their bank statements, perform transactions like transferring money to other accounts and pay other bills sitting in the comfort of their homes and offices. uirement of the PC with an internet connection. Mobile Banking addresses the fundamental limitation of internet banking, as it reduces the customer requirement to just a mobile phone. Mobile usage has seen explosive growth in most of the Asian&nb

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S, Samadharshini, and Manoj Kumar M. "A Study on the Impact Level of E-Banking on Financial Inclusion in IOB." International Scientific Journal of Engineering and Management 04, no. 03 (2025): 1–7. https://doi.org/10.55041/isjem02507.

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Digital banking has revolutionized financial access in India, especially for individuals previously excluded from traditional banking. This study examines the impact of digital banking on financial inclusion at Indian Overseas Bank (IOB), focusing on services like online banking, mobile banking, ATMs, and UPI transactions. The research measures financial inclusion through account ownership, transaction frequency, loan availability, and ease of service access. While digital banking improves convenience and accessibility, challenges such as low digital literacy and technological barriers persist

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Ahmed, Jashim Uddin, and Asma Ahmed. "Agrani Doer Banking: Agent Banking Business in Bangladesh." Business Perspectives and Research 6, no. 2 (2018): 154–64. http://dx.doi.org/10.1177/2278533718765532.

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Agent banking involves the provision of banking services through non-conventional means such as retail outlets with the use of technology. In developing countries, such as Bangladesh, agent banking acts as a medium between the rural unbanked majorities and banking services that they would otherwise not have access to. The case analyzes how innovation in the banking sector can aid poor people to gain access to financial institutions through the Agrani Doer banking business model. It elaborates on the rules and regulations of agent banking and how the first state bank of Bangladesh, Agrani Bank,

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Agyeman, George Aboagye, Dennis Owusu Amofah, and Joy Tenkoran Manteaw. "A Comparative Study between the Traditional Banking and Mobile Phone Banking." Growth 3, no. 1 (2016): 1–6. http://dx.doi.org/10.20448/journal.511/2016.3.1/511.1.1.6.

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Mobile phone banking is a new system of banking in the country and as such most of the network operators are now engaging and using it. Mobile phone banking is banking using mobile phone devices to transact businesses in the country. Today the internet is considered a mature medium, despite its relative newcomer status. The internet is more accessible to more people globally than any other medium except television. Most people now access the internet in Ghana than previously and due to this some firms are embarking on e-marketing to compete in the world. Now people can access the internet at a

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Sam Orji. "Designing AI driven compliance frameworks to expand digital banking access in underserved US Communities." International Journal of Science and Research Archive 13, no. 2 (2024): 3120–23. https://doi.org/10.30574/ijsra.2024.13.2.2494.

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Expanding digital banking access in underserved communities is vital to financial inclusion in the United States. However, regulatory compliance challenges and a lack of tailored banking solutions hinder progress. This paper explores the integration of Artificial Intelligence (AI) to create dynamic compliance frameworks that facilitate broader access to digital banking. AI can not only streamline regulatory adherence but also personalize banking services, fostering trust and reducing barriers for underserved populations. By combining AI capabilities with robust compliance measures, financial i

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Heblich, Stephan, and Alex Trew. "Banking and Industrialization." Journal of the European Economic Association 17, no. 6 (2018): 1753–96. http://dx.doi.org/10.1093/jeea/jvy037.

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AbstractWe establish a causal role for banking access in the spread of the Industrial Revolution over the period 1817–1881 by exploiting unique employment data from 10,528 parishes across England and Wales and a novel instrument. We estimate that a one standard deviation increase in 1817 finance employment increases annualized industrial employment growth by 0.93 percentage points. We establish the role of structural transformation as an underlying growth mechanism and show that banking access: (i) increases the industrial employment share; (ii) stimulates urbanization; and (iii) fosters inter

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C, Vinitha. "A Study on Customer Attitude for E-Banking with Special Reference to Dharmapuri Town." Shanlax International Journal of Commerce 6, S1 (2018): 264–70. https://doi.org/10.5281/zenodo.1419454.

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Were banking operations are carried out through electronic means, it takes from e-banking. Electronic means of banking including electronically operations devices such  as  the  computer,  ATMs,  etc.  Also,  Internet,  telephone,  Mobile  banking  and other means are also used as part of e-banking. An essential feature of e-banking is that it provides round – the –clock access to banking operations. E-banking  (Electronic  banking)  Provides  24  –  hours  access  to  cash &nb

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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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Léon, Florian, and Laurent Weill. "Islamic banking development and access to credit." Pacific-Basin Finance Journal 52 (December 2018): 54–69. http://dx.doi.org/10.1016/j.pacfin.2017.04.010.

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15

Tighe, Patrick. "Underbanked: Cooperative Banking as a Potential Solution to the Marijuana-Banking Problem." Michigan Law Review, no. 114.5 (2016): 803. http://dx.doi.org/10.36644/mlr.114.5.underbanked.

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Numerous states have recently legalized recreational marijuana, which has created a burgeoning marijuana industry needing and demanding access to a variety of banking and financial services. Due, however, to the interplay between the federal criminalization of marijuana and federal anti-money laundering laws, U.S. financial institutions cannot handle legally the proceeds from marijuana activity. As a result, most financial institutions are unwilling to flout federal anti-money laundering laws, and so too few marijuana-related businesses can access banking services. This Note argues that the mo

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Ahyar, Muhammad Khozin. "Analisis Pengaruh Inklusi Perbankan Syariah terhadap Pembiayaan UMKM Sektor Halal di Indonesia." Al-Tijary 5, no. 1 (2019): 19–36. http://dx.doi.org/10.21093/at.v5i1.1716.

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Financial inclusion is an issue that is being echoed by the government together with other authorities and stakeholders. One of the main targets of financial inclusion besides households is the MSMEs. Some indicators of financial inclusion, namely access, use and quality. This study aims to analyze how the influence of Islamic banking inclusion (BUS and UUS) from access indicators to the distribution of MSME financing. The access indicator used is the number of Islamic banking offices which include KP, KC, KCP and KK. This research uses a quantitative method with a VAR (Vector Autoregression)

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Kameswaran, Vaishnav, Vidhya Y, and Megh Marathe. "Advocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in India." Proceedings of the ACM on Human-Computer Interaction 7, CSCW1 (2023): 1–23. http://dx.doi.org/10.1145/3579596.

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Research in accessibility and assistive technology often assumes that technology is within easy reach, that is, people with disabilities are able to obtain technologies so long as they are accessible. As a result, less is understood about the challenges that people with disabilities face in obtaining technology in the first place and how they work around these challenges. We reduce this gap by examining the technology access challenges of people with visual impairments in India in the context of digital banking. Through a qualitative study consisting of 30 interviews, we find that participants

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Ms., Vidya Bhat. "ACCESS, AWARE AND USAGE OF DIGITAL BANKING TO ACHIEVE FINANCIAL INCLUSION IN INDIA." International Journal of Advance and Applied Research 9, no. 6 (2022): 337–42. https://doi.org/10.5281/zenodo.7070492.

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<strong><em>Abstract</em></strong> <em>The present article will help to analyse the digital banking in India and its impact on financial inclusion. The drawn hypothesis says that, there is no significant relationship between digital banking and financial inclusion. But the available data related to online banking services in India and access rate of banking services are the evidences for the growth of financial inclusion through digital banking system from past eight years. The data for the study is collected from secondary sources available in Reserve Bank of India website and world bank data

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Samara, Faiz Nasrullah, Benny Rahardian Prawoto, Arsha Maulana, Arief Ridwan Firdaus, and Nurma Gupita Dewi. "The Role of Banking Digitalization in Enhancing Business Capacity among Rural Communities in Indonesia." Jurnal Akuntansi dan Bisnis 10, no. 02 (2025): 144. https://doi.org/10.47686/jab.v10i02.748.

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The digitalization of banking has emerged as a transformative force in enhancing financial inclusion and supporting economic growth, particularly in rural communities. This study examines the role of banking digitalization in improving business capacity among rural communities in Indonesia. By leveraging digital banking services such as mobile banking, e-wallets, and online loan platforms, rural entrepreneurs can access financial resources, manage transactions efficiently, and participate in broader economic activities. The findings reveal that digital banking reduces barriers to credit access

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Kharisma, Ryan Hafizh, and Refi Rifaldi Windya Giri. "DIGITAL GAP ANALYSIS IN THE USE OF MOBILE BANKING APPLICATIONS IN THE CITY OF BANDUNG." Maker: Jurnal Manajemen 9, no. 1 (2023): 39–50. http://dx.doi.org/10.37403/mjm.v9i1.533.

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This research discusses the digital divide in the use of mobile banking applications in the city of Bandung, Indonesia, where the use of mobile banking is still relatively minimal compared to other bank services. The study aims to analyze the digital divide based on four stages of using digital technology, which are motivation, physical access and material access, mobile banking skills, and usage. The author uses quantitative methods with the PLS-SEM multivariate analysis technique to determine the relationship between predetermined variables. For data processing, the author uses WarpPLS 8.0 w

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Zogjani, Jeton, and Agon Zogjani. "Electronic Banking Services and Net Profit in Kosovo: Using Simple Linear Regression and the Correlation Method." SEEU Review 14, no. 2 (2019): 150–68. http://dx.doi.org/10.2478/seeur-2019-0025.

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AbstractThe main aim of this paper is to analyze the electronic banking services in Kosovo’s banking net profit during the period 2013 - 2017. The paper discusses the role that these services have played in the development of the banking industry, modernization of e-commerce, and economic growth. These services provide higher security, faster and easier access by reducing transaction costs, access to more distant markets, and access to many products and services. The main paper results have shown that E-banking services have the highest positive impact in banking net profit, while automated te

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D'Rosario, Michael. "Promoting Indigenous Financial Inclusion." International Journal of Information Systems and Social Change 9, no. 2 (2018): 1–11. http://dx.doi.org/10.4018/ijissc.2018040101.

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This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all

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OLUSANYA, Samuel Olumuyiwa, and Chibuzo Ume EUCHARIA. "The Impact of Digital Banking on Financial Inclusion in Nigeria (2000-2022)." Gusau International Journal of Management and Social Sciences 7, no. 3 (2024): 295–315. https://doi.org/10.57233/gijmss.v7i3.15.

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This paper examines the impact of digital banking on financial inclusion in Nigeria from 2000 to 2022. The objectives of the study focuses on the effects of digital banking adoption, the regulatory environment, internet access, financial literacy, and income levels. The estimation techniques employed include the Johansen co-integration and error correction model. The Johansen co-integration analysis reveals two co-integrating equations at the 5% significance level, indicating long-run relationships between factors influencing financial inclusion in Nigeria, specifically Digital Banking Adoptio

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Lundvig Hansen, Anders, and Luís Lima Santos. "The Impact of Geographical Factors on the Banking Sector in El Salvador." International Journal of Financial Studies 13, no. 2 (2025): 110. https://doi.org/10.3390/ijfs13020110.

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This study explores how geographical factors shape El Salvador’s banking sector, particularly focusing on regional disparities, urbanization, and vulnerability to natural disasters affecting access to financial services. By employing a mixed-methods approach that combines quantitative data and qualitative interviews, the research analyzes how these geographical challenges impact financial inclusion and banking development. Data from the Central Reserve Bank of El Salvador and financial institutions is examined alongside Geographic Information Systems (GISs) to illustrate the spatial distributi

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M Fahmy, Obaid, M. Rustam, and Evi Asmayadi. "Pengaruh Keuangan Inklusif Terhadap Kredit yang Disalurkan pada Sektor Usaha Mikro, Kecil dan Menengah di Indonesia." Jurnal Ekonomi Bisnis dan Kewirausahaan 5, no. 2 (2016): 118. http://dx.doi.org/10.26418/jebik.v5i2.17145.

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This research is a quantitative study which aims to find out the effect of financial inclusion(banking access dimension and banking service usage dimension) on loans channeled to theMicro Small and Medium Sized Enterprises (MSMEs) sector in Indonesia. The variables used inthis research were loans channeled to the MSMEs as dependent variable, and successivelybanking access dimension and banking service usage dimension as the independent variables.Using the purposive sampling method, a total of 33 provinces in Indonesia were selected as thesamples with an observation period from 2010 to 2013. LD

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Merz, Markus, and Jan Riepe. "SMEs with legally restricted banking access: evidence from the US marijuana industry." Journal of Business Economics 91, no. 6 (2021): 797–849. http://dx.doi.org/10.1007/s11573-020-01017-6.

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AbstractThis paper examines how legally restricted access to banking services affects small and medium-sized enterprises (SMEs) in a highly developed country. Using a mixed-method approach, we examine the unique situation of the US marijuana industry. The industry benefits from the superior institutional environment in terms of legal protection and the labor market of the United States. However, due to conflicting state and federal laws it has no legal access to banking. We find significant value effects around three major events that affected future access to banking. These results indicate t

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LUBKOVA, Elmira Minnullovna, Anna Eduardovna SHILOVA, and Galina Sergeevna ERMOLAEVA. "New Reality of the Banking Market: E-Banking and M-Banking (The Russia Case Study)." Journal of Advanced Research in Law and Economics 10, no. 2 (2020): 574. http://dx.doi.org/10.14505//jarle.v10.2(40).18.

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This research describes features of the development of Internet banking and mobile banking in the retail segment of the Russian banking market. Data on the share of remote access accounts opened in credit institutions for individual customers and the dynamics of payments using e-banking and banking is analyzed. Features of the development of e-banking and m-banking in Russian federal districts are considered. The comparison of the banking system in 2014 and in 2018 is presented. Features and problems of the development of e-banking and m-banking in Russia are revealed.

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Sakti, Norida Canda, Martinus Legowo, Herrukmi Septa Rinawati, FX Sri Sadewo, Sugeng Harianto, and Diyah Utami. "The Influence of Muslim Batik Entrepreneurs' Financial Literacy of The Banking Sector on Productivity." al-Uqud : Journal of Islamic Economics 5, no. 1 (2020): 60–75. http://dx.doi.org/10.26740/al-uqud.v5n1.p60-75.

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The batik business in the Islamic community of the North coast of East Java is categorized as a micro and small business. One of the main problems of the business is capital adequacy. Capital adequacy is one instrument to run and increase productivity. Although the government has provided soft capital loans through banking instruments and rural development program, not all micro and small businesses are willing and able to access it. It is heavily relied on the entrepreneurs' financial literacy on banking sector and their willingness to use banking access. The survey results show that there ar

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Malinka, Kamil, Ondrej Hujnak, Petr Hanacek, and Lukas Hellebrandt. "E-Banking Security Study—10 Years Later." IEEE Access 10 (2022): 16681–99. http://dx.doi.org/10.1109/access.2022.3149475.

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Anurag, Anurag. "A Study on the Effect of Digital Banking on Financial Inclusion in the Indian Context." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04339.

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Abstract: This research investigates the impact of digital banking on financial inclusion in India. As digital platforms like UPI, internet banking, and mobile apps expand, banks are now able to serve more customers, even in remote areas. This study assesses how digital banking has enhanced access to financial services, improved efficiency, reduced transaction costs, and influenced customer behavior. Using a mixed-methods approach, the study evaluates primary data through questionnaires and surveys and secondary data from journals and reports. Findings indicate that digital banking has played

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Sutherland, Lucy A., and Mark L. Shepheard. "Implementing Access and Benefit Sharing for Seed Banking." Annals of the Missouri Botanical Garden 102, no. 2 (2017): 386–96. http://dx.doi.org/10.3417/d-16-00002a.

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Kautonen, Teemu, Antti Fredriksson, Maria Minniti, and Andrea Moro. "Trust-based banking and SMEs’ access to credit." Journal of Business Venturing Insights 14 (November 2020): e00191. http://dx.doi.org/10.1016/j.jbvi.2020.e00191.

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Utami, Ranti, and Doddy Setiawan. "Banking and trust-based SMEs toward credit access." Corporate Governance and Organizational Behavior Review 7, no. 2, special issue (2023): 385–91. http://dx.doi.org/10.22495/cgobrv7i2sip16.

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This study uses three dimensions — ability, virtue and integrity, and accounting information quality — to demonstrate trust’s impact on small and medium-sized enterprises (SMEs) access to finance in Tanjungpinang. A questionnaire was delivered directly or via Google Form to four Tanjungpinang sub-districts. The questionnaire’s Likert scale represents SME business actors’ opinions. The accounting information quality and availability to credit variables included ten statements apiece, whereas the trust dimension had five reports. To test the hypotheses, the data were analyzed using the Statistic

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Jha, Anand, Siddharth Shankar, and Leonard Arvi. "Access to bank loans while in bankruptcy: the role of single vs. multiple banking relations." Managerial Finance 40, no. 7 (2014): 724–33. http://dx.doi.org/10.1108/mf-09-2013-0237.

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Purpose – The purpose of this paper is to use a unique hand-collected data set from India to investigate whether firms with multiple banking relationships that are in bankruptcy get additional loans more easily than those with a single banking relationship. The authors find that firms that have a single banking relationship increase their bank borrowing by 5 percent every year compared to those with multiple banking relationships. The results are in contrast to the hypothesis that firms choose to have multiple banking relationships to increase the probability of getting additional loans in cas

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Riska Selvia, Femei Purnama Sari, and Anggun Okta Fitri. "Pengembangan Layanan Perbankan Digital dalam Perbankan Syariah." Jurnal Bersama Ilmu Ekonomi (EKONOM) 1, no. 2 (2025): 103–10. https://doi.org/10.55123/ekonom.v1i2.111.

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The development of digital technology has brought major changes in the world of Islamic banking, especially in the way people access financial services. Now, with the advancement of information technology, Islamic banks are able to provide various services that make it easier for people without having to come directly to the bank office. This study aims to determine the extent to which Islamic banking has developed in the digital era, with an emphasis on the role of information technology in improving efficiency and ease of access to financial services. This research uses the library study met

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Manurung, Ibnu Syawali, Melisa Ananda Putri Ritonga, Febi Alicia, and Nurbaiti Sirait. "Kemudahan Sistem E-Banking terhadap Masyarakat Mengakses Sistem Informasi Perbankan Syariah pada Bank Syariah Indonesia (BSI)." Da'watuna: Journal of Communication and Islamic Broadcasting 3, no. 2 (2023): 879–86. http://dx.doi.org/10.47467/dawatuna.v3i2.2877.

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In the 4.0 era, as now, the developments that have occurred in all fields are languishing in the banking world, as it is now, where information can be accessed easily whenever and wherever we are, one example of advances in information technology provided by Islamic banking is e banking, is one of the facilities provided by e banking to customers. This study uses a descriptive qualitative research method that aims to explain and explain clearly about a problem or an event, because the researcher feels that the problem being studied requires a deeper understanding.This study aims to aim at draw

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Wagh, Prof T. R. "Smart Locking System for Banking Applications." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 02 (2024): 1–9. http://dx.doi.org/10.55041/ijsrem28489.

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Abstract :The Smart and Innovative Locking System for Banking Applications introduces a cutting-edge approach to thwart unauthorized access, trespassing, and intrusion in environments prone to security threats, such as banks, corporate offices, financial organizations, jewelry shops, and government institutions. Elevating security measures, the system employs a dynamic One-Time Password (OTP) protocol, effectively enhancing security levels and deterring potential unauthorized unlocking attempts. User verification leverages a secure OTP-based methodology, ensuring a dependable and user-friendly

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Khatun, Most Nilufa, Sandip Mitra, and Md Nazirul Islam Sarker. "Mobile banking during COVID-19 pandemic in Bangladesh: A novel mechanism to change and accelerate people's financial access." Green Finance 3, no. 3 (2021): 253–67. http://dx.doi.org/10.3934/gf.2021013.

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<abstract> <p>Limited access to financial services is considered as a vital bottleneck for curbing poverty in Bangladesh. Digital technology such as mobile banking can contribute to accelerate people's access to finance but did not receive proper attention before COVID-19. This study intends to explore the use of mobile banking services to accelerate people's financial access in Bangladesh due to the emergence of the COVID-19 pandemic by using secondary data. Mainly documentation techniques and descriptive statistical methods are used to collect and analyze the data. The study reve

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Kadir, Gökoğlan, and Sevim Hüseyin. "Bank Customers And The Use of Open Banking: Have We Introduced It Yet?" International Journal of Social and Humanities Sciences Research 10, no. 100 (2023): 2860–69. https://doi.org/10.5281/zenodo.10045773.

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Developments in technology are closely followed by financial sector actors, and the banking sector is one of the leading actors among these actors. The banking sector closely follows technological innovations and integrates them into banking systems in order to provide better service to customers and increase financial inclusion. Open banking is one of the innovations made available to customers as a result of technological innovation in the banking sector. Open banking, which refers to the sharing of customer information with the consent of the customer, enables customers to access the produc

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Jimale, Hussein Diriye, and Dr Ndede, F. W. S. F. W. S. Ndede. "CREDIT RISK MANAGEMENT AND ACCESS TO BANKING SERVICES BY ISLAMIC BANKING CUSTOMERS IN KENYA." International Journal of Finance 2, no. 6 (2017): 75. http://dx.doi.org/10.47941/ijf.159.

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Purpose: This study sought was to assess the effect of credit risk management on access to banking services by Islamic banking customers in Kenya.Methodology: Descriptive research design was adopted. The target population for this study was 225 employees working in the head offices of the selected Islamic banks. Stratified sampling and simple random sampling were used in generating the sample. This study made use of primary data collected using structured questionnaires. The collected data was entered into the Statistical Program for Social Sciences for windows version 20 because of its abilit

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Jaya Sakti, Mochamad Aji, Noer Azham Achsani, and Ferry Syarifuddin. "Online Banking Implementation: Risk Mapping Using ERM Approach." Buletin Ekonomi Moneter dan Perbankan 20, no. 3 (2018): 279–306. http://dx.doi.org/10.21098/bemp.v20i3.824.

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The implementation of online banking in Indonesia is in line with the increasingof mobile device users who have become a part of people’s lifestyle, hence onlinebanking offers easiness to access on banking services. This study is to examine riskmapping on the implementation online banking using ERM approach, including riskmitigation strategies for identified risks. This research was conducted at XYZ Bankwho has implemented online banking. The results of this study find 55 potentialrisks. Some of it identified risks related to bank system security such as vulnerabilityto viruses, malware, hacki

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Massab, Khizra, and Dr Danish Ahmed Siddiqui. "Role of Islamic Banks in Increasing Financial Inclusion: A Systematic Literature Review." International Journal of Experiential Learning & Case Studies 9, no. 1 (2024): 165–93. http://dx.doi.org/10.22555/ijelcs.v9i1.1125.

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This article investigates the contribution of Islamic banks to enhancing access to financial services by looking at their unique method of offering Sharia-compliant goods and services. Islamic banking principles, the study claims, encourage profit-and-loss sharing and forbid riba (interest), which increases access to financial services, particularly for devout Muslims. In particular, this paper looks at how Islamic banks affect financial inclusion in Southeast Asia, the Middle East, and North Africa. This is accomplished by assessing academic literature, industry reports, and statistical data.

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Sugarda, Paripurna P., and Muhammad Rifky Wicaksono. "ENHANCING THE COMPETITIVENESS OF INDONESIA’S FINANCIAL SERVICES SECTOR IN THE DIGITAL ERA THROUGH OPEN BANKING: LESSONS LEARNED FROM THE UK’S EXPERIENCE." Journal of Central Banking Law and Institutions 2, no. 1 (2023): 153–78. http://dx.doi.org/10.21098/jcli.v2i1.63.

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In 2021, Bank Indonesia launched the National Open API Payment Standard (SNAP) to facilitate interoperable data-access for Indonesia’s digital payments sector. This article examines the lessons learned from the UK’s experience in open payments to improve the regulatory and institutional framework of Indonesia’s open banking regime. This article employs a comparative legal analysis of the UK’s open banking regime and concludes that Indonesia’s open banking regime could be improved by expanding the delivery of the Open API standards enabling interoperable data access for the entire financial ser

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Serge, Tameta. "The Effects of Financial Inclusion on Financial Performance of Financial Institutions in Cameroon." International Journal of Economic Policy 4, no. 3 (2024): 12–30. http://dx.doi.org/10.47941/ijecop.2019.

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Purpose: This study seeks to investigate the effects of financial inclusion on the performance of financial institutions in Cameroon. Specifically, the study sought to examine the effects of access, availability and usage of banking services on the financial performance of financial institutions in Cameroon. Methodology: A cross-sectional research design was applied with the use of purposive and convenience sampling methods. 210 respondents from 75 financial institutions in Cameroon were selected. Primary data was collected using a self-administered questionnaire. Data collected was sorted, co

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Ranga, Premsai. "The Role Of Biometric Authentication In Identity And Access Management For Enhanced Cybersecurity." International Journal on Science and Technology 12, no. 3 (2021): 1–15. https://doi.org/10.5281/zenodo.14288271.

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Biometric authentication is gaining the interest of private, public, consumer electronics, and corporate security systems. For the protection of cyberspace from hackers and other harmful people, biometric security is growing more and more popular among organizations, individuals, and enterprises. The word ''cyber security'' refers to the procedures, techniques, and tools used to safeguard data, network systems, computer networks, and software from potential attacks online. Online financial service delivery is referred to as ''cyber banking.'' As the trend of exchanging things has changed, inte

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Lydia Cheruto, Pkaremba. "Digital Banking by Urban Refugees in Sub-saharan Africa: A Case of Kenya." International Journal of Advanced Multidisciplinary Research and Studies 4, no. 4 (2024): 817–29. http://dx.doi.org/10.62225/2583049x.2024.4.4.3113.

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Digital banking has become increasingly prevalent in Kenya in recent years. Kenya has experienced rapid growth in mobile phone ownership and usage, with over 90% of the population having access to mobile devices as of 2023. This high level of mobile penetration has created a favorable environment for the adoption of mobile-based financial services. The introduction of M-Pesa, a mobile money transfer and microfinancing service, in 2007 has been a significant driver of digital banking in Kenya. M-Pesa has become the dominant mobile money platform, with over 30 million active users as of 2022. Th

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Lozano, Daniel Maurico Alarcón, and Matteo Mandrile. "A NEW AGENT MODEL FOR BRANCHLESS BANKING IN COLOMBIA." Revista Civilizar de Empresa y Economía 1, no. 2 (2010): 7. http://dx.doi.org/10.22518/2462909x.57.

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This article provides an overview of the current development of branchless banking in Colombia, within the context ofthe Government’s strategy to promote access to financial services through non-bank correspondents (NBC). It describes the Colombian legal and regulatory framework for branchless banking, focusing on the recent reforms and types of retailers permitted to serve as agents. Also, it examines the traditionalbanking sector’s interest in branchless banking, and shows the available platforms for the implementation of banking agent networks. It highlights the potential of branchlessbanki

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Akbar, Lutfia Rizkyatul, and Gunadi Gunadi. "Implementasi Kebijakan Keterbukaan Akses Data Perbankan Dalam Meningkatkan Tax Compliance Di Indonesia." Jurnal Akuntansi dan Governance 1, no. 2 (2021): 89. http://dx.doi.org/10.24853/jago.1.2.89-103.

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This study aims to assess the implementation of the openness of banking data access policies to improving tax compliance in Indonesia. It cause by the implementation of tax collection using a self-assessment system, thus requiring taxpayer data and information through financial institutions, include banking. Researchers used qualitative descriptive methods. The results of this study are, first, there is support for the implementation of the policy on openness to access to banking data in increasing tax compliance in Indonesia in the form of the issuance of Law Number 9 of 2017 concerning Acces

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Mohammed, Bayyoud, S. Q. Barakat Firas, and Ahmad Sayyad Nermeen. "The Fintech Frontier: The Impact of Digital Banking on Palestine's Financial Future." Journal of Economics, Finance And Management Studies 08, no. 02 (2025): 908–26. https://doi.org/10.5281/zenodo.14848764.

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Technologies has the capacity to improve financial inclusion and provide access to financial services in Palestine. The study examines mobile phone ownership, internet accessibility, and FinTech literacy as factors influencing digital banking adoption in Palestine, employing logistic regression, chi-square tests, and random forest classifiers. The logistic regression model indicates that mobile phone owners and internet users are more inclined to utilize digital banking services. Financial literacy and consumer education are essential for FinTech adoption, as is awareness. The Chi-Square test

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Edith, K. Jebitok, and Eddie Simiyu Dr. "EFFECTS OF ACCESS TO BANKING SERVICES ON FINANCIAL PERFORMANCE OF GROCERY VENDORS AT KAPSABET MUNICIPALITY MARKET IN NANDI COUNTY, KENYA." International Journal of Social Science and Humanities Research 11, no. 4 (2023): 320–25. https://doi.org/10.5281/zenodo.10111714.

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<strong>Abstract:</strong><i> </i>According to the laws and regulations of the Nandi District Government, SMEs are prioritized. However, the lack of sufficient working capital, relevant technological capabilities and global market access prevents these SMEs from realizing their full potential. The purpose of this research was to find out how the financial performance of grocery sellers at the Kapsabet Municipality Market in Nandi County, Kenya, was affected by their ability to access banking services. A descriptive research design was used for this investigation. The study focused on 1000

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