Academic literature on the topic 'Banking location factors'

AbstractLocation decision-making constitutes one of pivotal tasks for banking managements, which applies to both banking headquarters and affiliates. The main objective of this article consists in analysis and interpretation of location factors that stay behind location-decision making of banking managements and subsequent collocation of banking head offices in the Czech Republic. In doing so, cluster analysis was utilised appropriately and it turned out, initial 18 location factors can be decreased to final three mutually similar groups, which satisfactorily embody location criteria banking managements take into account. As it has been proven banking landscape in the Czech Republic is still influenced by traditional hard factors of location, nonetheless their soft counterparts should be increasingly considered.

Internet banking refers the systems that enable the customers to access their accounts and general information on bank products and service through the use of a bank’s website, without the intervention or inconvenience of sending letter, faxes original signatures. Internet banking as an “internet portal, through which customers can use different kinds of banking service ranging from bill payment to making investment”. Thus internet banking is the use of internet by bank customers for transacting their banking transactions. In other words, it is the use of internet by banks to deliver banking transaction. In other words, it is the use of internet by banks to deliver banking services to customers irrespective of their geographical location.

<p><em>This study focused on the factors influencing the use of agency banking by the residents of Makueni Sub-County, Kenya. The researcher was guided by four objectives; firstly, to determine the influence of agent characteristics on the use of agency banking by the residents of Makueni Sub-County, secondly, to determine the influence of the banking products offered by bank agents on the use of agency banking by the residents of Makueni Sub-County, thirdly, t</em><em>o establish the influence of agents’ operating hours on the use of agency banking by the residents of Makueni Sub-County and fourthly, to determine the influence of the banks’ location on the use of agency banking by the residents of Makueni Sub-County. </em><em> The study used descriptive survey design and the target population was 276 bank customers in Makueni Sub-County. The respondents were selected using stratified and convenience sampling. Data was collected 255 respondents using questionnaires. Data analysis was done using both descriptive and inferential statistics with the help of statistical package for social scientists (SPSS). Qualitative data was analyzed thematically according to the study objectives. The findings of the study revealed that there was a strong positive correlation and a significant relationship between the agency characteristics and use of agency banking, agency banking products and use of agency banking, operating hours and use of agency banking and location of mainstream bank and the use of agency banking. The multiple regression analysis results showed that the banking products had a significant prediction of the use of agency banking by the residents of Makueni Sub-County. This study recommends that diversification of the products and services provided by the banking agencies in the study area as well as further research in the area to find out other factors influencing the use of agency banking.</em></p>

The objective of this study was to analyze factors affecting uptake of agency banking services among customers in rural Kenya. Specifically, the study sought; to examine the effect of fraud on uptake of agency banking services among customers in Kenya; to determine the extent to which skills of agents affect uptake of agency banking services among customers in Kenya; To establish the effect of location on uptake of agency banking services among customers in Kenya and to find out how confidentiality affect agency banking services uptake among rural customers in Kenya. A multivariate regression model was applied to determine the relative importance of each of the four variables. The findings indicated that bank agent skills, location and confidentiality were found to be statistically significant in explaining uptake of agency banking services. Banks should create awareness to the public that the bank agent’s premises adheres to standard security measures and should also hire security services from security firms to transport cash to and from the agents where necessary. Banks should also train the agency banking agents on how to detect fake money and fraud. The study revealed that agents’ skills affected uptake of agency banking services by rural community in Narok County. The study recommends banks to offer training to agents before they start providing specific services on behalf of the banks to improve their customer handling skills and increase the uptake of the agency banking services.

This study aims to explore the reasons why conventional bank customers have not yet shifted to Islamic (sharia) banking in South Sulawesi, as well as identify the obstacles that have caused customers to remain conventional banks. The research subjects numbered 110 people. The research method uses Mixed Methods with sequential exploratory design. The first stage is a qualitative method to obtain data that is variable because the community has not yet switched to sharia banking. The second stage of the quantitative method is using Factor Analysis, to deepen the data and test the data so that the findings can be generalized. Data were collected by open and closed questionnaires and interviews, validity and reliability tests were carried out based on the analysis model used. The results of the analysis show that the factors that constrain people to move to Sharia banking are Fee Interest Factor, Information Factor, Location Factor, Relationship and Reputation Factor, Religiosity Factors, Product Factor, and Financial Risk Cost Factor. There are four findings of new factors as novelty of this study, namely Fee Interest Factors, Location Factors, Religiousity Factors, and Product Factors, as barriers to switch for the service industry, especially Sharia banking.

Abstract In dealing with the factors affecting credit policy, a management should consider external and internal information before creating a policy. Internal factors include the structure and the amount of available bank assets and liabilities, and the type, state, and composition of available banking facilities and personnels. Meanwhile, external factors include the atmosphere of the business world in general and banking sector in particular, bank location, and others. The factors that need to be considered in credit policy cannot be separated from the problems that exist in banking activities. Since the factors affecting credit policy act as a guideline which influences credit management, it is important to analyze these factors. This research maps out some important factors in credit management and recommends certain practical steps that can be taken in credit management.

<p class="ber"><span lang="EN-GB">The purpose of this study was to examine the influencing factors of the adoption intention of mobile banking from a bank perspective. The survey data were conducted from a selection of mobile banking, and were analyzed by the analytic hierarchy process (AHP) decision analysis to explore adoption intentions in the context of mobile banking. The results of the AHP decision analysis revealed that the “convenience” and the “personalization” were the most important factors for mobile banking from a bank’s perspective. Furthermore, the research findings illustrated theoretical and practical implications for mobile banking development and indicated how to reinforce the “location-based benefits” and the “transaction speed” in order to create customer adoption intentions via a bank perspective.</span></p>

The banking sector is very sensitive to changes in the field of both the world economy and the economy of our country. At any time, the banking sector is exposed to different types of risks, depending on many factors: a decrease in the economic activity of citizens, a slowdown in the growth of the country’s economy, the geographical location of the facility, various types of services offered, etc.

People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders. Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

Foreign Direct Investment (FDI) is a significant source of capital for economic growth in developing countries. The increasing financial links across countries, especially between industrial and developing countries have been associated with the liberalization of international financial markets. Moreover, globalization in production, due to technological innovations in communications and transport coupled with better policies in developing countries, are often considered to be the primary forces that drove globalization and foreign direct investment in the 1990s and recent times. The literature on FDI can be categorised into three main groups: the first group investigates the effect of FDI on macroeconomic indicators, such as economic growth, exchange rate, rate of inflation, balance of payments, and rate of unemployment. The second group examines the impact of FDI on different factors such as technology transfer to recipient countries, management practices by national firms, and labour skill and productivities in hosting countries. The third group focuses on the characteristics of FDI and the driving forces for its inflows and outflows to different countries. This research focuses on the latter strand thereby enabling an investigation of the location characteristics of MNEs location decision in the banking sector. The main aim of this thesis is to examine and analyse FDI location characteristics in the Ghanaian banking sector. This has been achieved by making use of both qualitative and quantitative data series’ to ascertain whether the major location factors are the characteristics/determinants of MNEs location decision in relation to a specific industry (banking) and a specific country (Ghana). Using a multimethod approach, the findings of this thesis reveal that political and legal factors are very significant, followed by macroeconomic policy factors and infrastructure factors. Market factors and labour market factors which have been found in previous studies (Lall 2001; Asiedu; 2003; Dunning 2004; Helpman; 2006 and Felbermayr et al. 2011) to be important determinants of FDI inflows have been found in this thesis to be the least important factors for MNEs’ location decision in relation to FDI inflows to Ghana.

Truthful authentication with secure communication is necessary in location-based services to protect from various risks. The purpose of this research is to identify security risks in mobile transactions especially in location-based services like mobile banking. The factors need to be identified the reasons of customer distrust in mobile banking. In addition, the security issues with mobile banking systems and mobile devices are highlighted. The chapter finds which approach is more suitable and secure for mobile banking transaction between customer and bank. The research predominantly focuses upon customer trust, security issues, and transaction costs owing to different technology standards of mobile commerce. The first phase highlights the various location-based services in m-commerce, various technology standards, customer trust, and perceived risk, and further, at next level, it highlights the various problems associated mobile database and a comparative study of various replication protocols, transaction security issues, and LBS security challenges.

The potential advantages of mobile commerce applications have been discussed extensively in the recent literature, with many industries offering mobile services. Examples from the financial sector include instant funds transfer (mobile banking) and share trading (mobile brokerage). Commuter services such as sending schedule change alerts or using a mobile phone to pay for parking have become widespread. Applications based on the location of the user (e.g., offering mobile coupons to customers in the vicinity of a shop or a restaurant) are also being trialled (Barnes, 2002; Siau, Lim, & Shen, 2001; Varshney, Vetter, & Kalakota, 2000). Despite the potential benefits (for example, improved customer service) mobile commerce applications have not been widely adopted across business sectors. Mobile banking illustrates the point: initially, seen as the “killer application” of mobile commerce (Kannan, Chang, & Whinston, 2001), it has now been termed a “dead end” (Semrau & Kraiss, 2001). It has also been classified as an application which has not yet matured (Mallat, Rooi, & Tuunainen, 2004). However, innovative applications continue to emerge, for example, breaking news alerts (CNN, n.d.), and a mobile tutoring service (Butte, 2004). It has become important therefore to identify the determinants of mobile commerce adoption and the emerging adoption patterns. A significant number of results in this area have been reported in the literature. Recent examples include studies of mobile services adoption in areas characterized by relatively high penetration of mobile devices—such as Denmark (Constantiou, Damsgaard, & Knutsen, 2004), Singapore (Samtani, Leow, Lim, & Goh, 2004), and Finland (Carlsson, Hyvonen, Repo, & Walden, 2005). The identified drivers and inhibitors of mobile commerce adoption can be broadly classified as factors related to mobile infrastructure access, and factors relating to perceived consumer value. This article proposes a mobile commerce reference model which incorporates both infrastructure access and customer value and can be used to formulate research questions related to mobile commerce adoption. The remainder of the article is organized as follows: first, mobile commerce is defined and compared to electronic commerce. The next section introduces a mobile commerce reference model and discusses mobile commerce adoption. The article continues with a review of future trends and a brief conclusion.

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low income countries timely. The authors test context specific applicability of UTAUT (Unified Theory of Acceptance and Use of Technology) model. The authors' analysis of primary data suggests general applicability of the modified UTAUT model in explaining factors and antecedents of technology adoption but also identifies significant differences in the moderating factors of gender and age. Depending on whether they are above or below the age of 30, Ethiopian consumers of banking services exhibit highly differentiated levels of service credibility and technology risk acceptance towards ATM banking. This suggests that banking services sector in low income countries may like to clearly delineate and appropriately differentiate their awareness and reach-out strategies to their customers who belong to one or the other age group. Furthermore, women in this study are found to perceive themselves as more susceptible to fraud and other security risks in ATM banking, suggesting that special design considerations be incorporated in the way locations of ATMs are selected and in the way ATM technology features are accessed to ally such fears. The authors' work also shows research directions where other scholars may investigate an otherwise much diffused technology adoption in the low income countries of the world.

All governments face difficulties in trying to ensure the full participation of every citizen. The further a citizen is located from the centre of power and administration, such as a capital city, the less engaged they are likely to be. This phenomenon can be observed at both a national and an international level. At the global level countries located in close proximity to major world markets are more likely to have well-developed e-government services, than more marginally located countries, particularly those with low population densities. Within individual countries, there is typically a marked variation between rural and urban areas both in terms of access to available infrastructure and uptake by citizens (Parker, 2000). In general, the more remote the location and the smaller the population density, the lower the rate of participation will be. This can be observed in even in the most highly developed, highly populated countries; for example, the Japanese government struggles to provide the often elderly residents of remote islands with government services (Hayashi & Hori, 2002). In a country that is less developed without easy access to major world markets, the effects on rural citizens are intensified. The small island developing states of the South Pacific are some of the most remotely located nations in the world; their economies are relatively underdeveloped and they have low population densities. By researching the difficulties faced in attempting to implement e-government in some of the most distant corners of the earth, lessons can be learned about the way that information and communication technologies (ICTs) can overcome the barriers of geography. The insights gained from this exercise are relevant worldwide; as many economically developed countries also have pockets of population that are hard to reach. A counter argument is that some of these differences may be attributable to a country’s level of economic development rather than it’s actual geographic location. A notable example of a remotely located country that has a highly developed e-government system is New Zealand. Despite having only four million inhabitants, and being placed on the other side of the globe from the major world markets of Europe and the USA, in 2001 New Zealand was nominated by the UN as the country with the third most advanced e-government system in the world (Boyle & Nicholson, 2003). ICTs now make it possible to connect a citizen in even the most far-flung location directly to central government services. This article investigates the status of e-government in remote locations. Representatives from ten different South Pacific Islands were surveyed to discover what they perceived as the main barriers and opportunities in developing e-government in each of their different countries. The island states of the South Pacific have developed independently and are culturally diverse. However, they all share some common features with regards to adoption of ICTs. In order to appreciate these factors more fully, one country, Samoa, has been used as an example. By comparing Samoa with New Zealand, lessons can be learned about how to utilise ICT to overcome the disadvantages of distance and low population. E-government is sometimes viewed as a subset of e-commerce. However, it needs to be remembered that there are substantive differences between the private and public sectors. Governments have a duty to make sure that services are available to all citizens, and usually the citizens who are the most needy are those who have the least access to government services (Curthoys & Crabtree, 2003). Often this is because such citizens live in remote rural locations. The public sector is a law-based system, and government includes many processes that are different from processes encountered in private sector settings such as retail or banking, for example: complex decision making; negotiations between stakeholders; policy formulation; and democratic participation (Lenk, 2002). An example is the highly contentious issue of land ownership in the South Pacific; the use of e-government could potentially help land boards to demonstrate a fair and transparent approach to this issue.

Abstract Post-treatment production analyses for hydraulic fracturing treatments with conventional crosslinked gel or slickwater often indicate that the treatments do not achieve the designed stimulation effectiveness, which could be attributed to non-optimal proppant placement and/or significantly damaged fracture conductivity. Although conventional crosslinked fluids are observed to provide good proppant suspension in laboratory environments, they might not provide the desired proppant transport under downhole conditions. Crosslinked fluids are known to be difficult to clean up, and thus are notorious for imparting gel damage to proppant pack and formation. Slickwater can be used to mitigate gel damage by reducing the effective polymer loadings, but consequential extreme proppant settling and banking problems reduce the chance of achieving fracture performance. Several proppant placement techniques have been developed to generate highly conductive paths for hydrocarbons to flow from an unconventional reservoir to the wellbore, such as hybrid fracturing, reverse hybrid fracturing, and channel fracturing, each of which predominantly rely upon high viscosity fluids to carry the proppant to the designated location. This paper presents a non-traditional fracturing fluid system and application technique with near perfect proppant suspension and transport, high fracture conductivity, and self-diverting characteristics. The revolutionary fracturing fluid system employs engineered packing of particle domains for proppant suspension mechanics that are significantly different from crosslinked polymer systems which use polymer chain overlap and inter-chain crosslinking to generate viscosity governed proppant transport. The unique gel particle structure perfectly suspends proppant for several hours at reservoir conditions to facilitate better transverse and vertical placement of proppant in the fracture and significantly increases the fractured surface area, which is one of most important factors in unconventional reservoir production. The self-diverting tendencies offer the potential to maximize created fracture area while simultaneously reducing the treating fluid volumes without the addition of costly diverting additives. The degradability of the fluid can be controlled at reservoir conditions by fluid pH and/or breaker loading to yield near 100% regained proppant pack conductivity. This paper discusses the evolution of the technology, and laboratory results for this unique fluid system. The system can unlock reservoir potential in areas requiring high fractured surface area and high regained conductivity, such as unconventional liquid-rich formations.

• Renewable energy (RE) projects in Indonesia usually have IRR between 10% and 15% and PP around 6 to 30 years • Attractive return usually could be found in large scale RE projects, although there are numerous other factors involved including technology developments, capacity scale, power purchasing price agreements, project locations, as well as interest rates and applied incentives. • Crowdfunding (CF) has big potential to contribute to the financing of RE projects especially financing small scale RE projects. • P2P lending usually targeted short-term loans with high interest rates. Therefore, it cannot be employed as an alternative financing for RE projects in Indonesia. • Three types of CF that can be employed as an alternative for RE project funding in Indonesia. Namely, securities, reward, and donation-based CF. In addition, hybrid models such as securities-reward and reward-donation could also be explored according to the project profitability. • Several benefits offer by securities crowdfunding (SCF) compared to conventional banking and P2P lending, as follows: (1) issuer do not need to pledge assets as collateral; (2) do not require to pay instalment each month; (3) issuer share risks with investors with no obligation to cover the investor’s loss; (4) applicable for micro, small, medium, enterprises (MSMEs) with no complex requirements; and (5) there is possibility to attract investors with bring specific value. • Several challenges that need to be tackled such as the uncertainty of RE regulations; (1) issuer’s inability in managing the system and business; (2) the absence of third parties in bridging between CF platform and potential issuer from RE project owner; (3) the lack of financial literacy of the potential funders; and (4) lastly the inadequacy of study regarding potential funders in escalating the RE utilisation in Indonesia.