Journal articles: 'Banking products'

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Devi, R. Seranma, and M. G. Saravanaraj. "Non-Banking Products through Banking Arena – Customer Choice." Asian Journal of Research in Social Sciences and Humanities 6, no. 7 (2016): 1437. http://dx.doi.org/10.5958/2249-7315.2016.00521.9.

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Mussina, A., S. Albekova, and J. Shakirova. "Pricing Mechanism of Banking Products." EUROPEAN RESEARCH STUDIES JOURNAL XXI, Issue 2 (November 1, 2018): 665–77. http://dx.doi.org/10.35808/ersj/1031.

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Zakir oğlu Şükürov, Nurlan. "Quality of banking products and services." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 69–73. http://dx.doi.org/10.36719/2663-4619/76/69-73.

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Müasir bazar iqtisadiyyatı şəraitində bankların fəaliyyəti və banklar vasitəsilə əhaliyə təqdim olunan məhsullar və xidmətlər öz aktuallığını artırır. Aydın məsələdir ki, müştəri qismində çıxış edən fiziki və hüquqi şəxslər öz tələbatlarını təmin etmək məqsədilə bank məhsullarını əldə etməyə cəhd edirlər. Bu səbəbdən də hər bir müştəri banka müraciət etməmişdən daha öncə ona lazım olan bank məhsulu haqqında məlumat toplamağa başlayır. Belə olan təqdirdə isə banklar öz məhsulları haqqında olan bütün informasiyaları ictimaiyyətə açıq formada paylaşmalıdırlar ki, əhalinin ayrı-ayrı kütlələri bank məhsulları ilə əlaqədar bütün informasiyaları tam şəkildə əldə edə bilsinlər. Tədqiqat işinin əsas məqsədi bank məhsullarının mahiyyəti, eləcə da bank məhsul və xidmətlərinin keyfiyyətinin tədqiq olunmasıdır. Açar sözlər: bank, bank məhsulu, kredit kartlar Nurlan Zakir Shukurov Quality of banking products and services Abstract In a modern market economy, the activities of banks and the products and services provided to the population through banks are becoming increasingly important. It is clear that individuals and legal entities acting as customers try to obtain banking products to meet their needs. For this reason, each customer begins to gather information about the banking product he needs before applying to the bank. In this case, banks should share all information about their products in an open manner so that certain sections of the population have full access to all information related to banking products. The main purpose of the research is to study the essence of banking products, as well as the quality of banking products and services. Key words: bank, banking product, credit cards

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Kurniawan, Indra. "Religiosity in The Decision to Use Islamic Banking Products." Jihbiz jurnal ekonomi keuangan dan perbankan syariah 4, no. 2 (July 21, 2020): 196–225. http://dx.doi.org/10.33379/jihbiz.v4i2.862.

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This study aims to examine the effect of religiosity on decisions to use Islamic banking products; whether there is an influence between the facilities on the decision to use Islamic banking products; whether there is an influence between knowledge on the decision to use Islamic banking products; and whether there is an influence between promotion on the decision to use Islamic banking products. Based on the results of research and discussion, it can be concluded. First, religiosity does not have a significant effect on the variables of customer decisions in using banking products. Second, the facility has a significant influence on the customer's decision variable in using Islamic banking products. Third, knowledge has a significant influence on customer decision variables in using Islamic banking products. Fourth, the promotion has a significant influence on customer decision variables in using Islamic banking products. Fifth, religiosity does not affect, while facilities, knowledge, and promotions have a joint effect on customer decisions in using sharia banking products at BNI Syariah.

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Sreekrishna, Dr Talluri, and Karlapudi Ramesh Babu. "Study on Views of Customers on Retail Banking Products of Banking Industry in Krishna District, A.P." International Journal of Trend in Scientific Research and Development Volume-1, Issue-6 (October 31, 2017): 277–82. http://dx.doi.org/10.31142/ijtsrd2516.

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Fortea, Costinela, and Viorica Ioan. "Promotion of Banking Products and Services." Annals of Dunarea de Jos University of Galati. Fascicle I. Economics and Applied Informatics 25, no. 2 (July 31, 2019): 107–11. http://dx.doi.org/10.35219/eai1584040939.

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Kamarulzaman, Yusniza, and Azian Madun. "Marketing Islamic banking products: Malaysian perspective." Business Strategy Series 14, no. 2/3 (March 8, 2013): 60–66. http://dx.doi.org/10.1108/17515631311325114.

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Hossain, Mohammad Zahed. "Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh." International Journal of Economics and Finance 9, no. 1 (December 13, 2016): 47. http://dx.doi.org/10.5539/ijef.v9n1p47.

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<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>

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Rasheed, Rabia, and Ajay Chauhan. "Challenges in Marketing of Islamic Banking Products in Malaysia." Journal of Accounting and Finance in Emerging Economies 1, no. 1 (June 30, 2016): 41–54. http://dx.doi.org/10.26710/jafee.v1i1.63.

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The history of banking is as old as Islam but the histoy of Islamic banking is only half a century old. It is agreed that Islamic banking started with a saving bank based on profit sharing in Mit Ghamr, Egypt in 1963. But, the first proper Islamic bank is deemed to be the Nasser Social Bank in 1971, again in Egypt. In 2013, after 50 years, there are about 400 Islamic banks and institutions in 53 countries with a fund based of USD 992 billion and asset based of USD 1.3 trillion. When Islamic banking started, Malaysia was busy with independence. Therefore, the start of Islamic banking in Malaysia was delayed by two decades. Malaysia passed Islamic banking Act in 1983 to start Bank Islam Malaysia Berhad with a capital based RM 80 million. The next three decades saw a tremendous growth. By 2013, there were 16 domestic and 5 international Islamic banks in Malaysia with an asset based of RM 442 billion, which does not include 15 Takaful operators. In spite of this tremendous growth, Islamic banking does not compare with conventional banking in terms of volume and acceptability. There have been studies which show that while 80% of the banking customers in Malaysia are aware of Islamic banking, but were not aware of Islamic banking products like Ijarah, Murabahah, etc. This conceptual paper brings out the challenges of marketing Islamic banking products in Malaysia and traces the roots of the problem to the lack of customer centricity.

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Firmansyah, Muhammad. "Implementation of Contract Hybrid Concept in Multi Services Products (Aplication of the Warranty Bank Products/Kafalah in Syariah Banks)." International Journal of Nusantara Islam 4, no. 2 (August 23, 2016): 85–96. http://dx.doi.org/10.15575/ijni.v4i2.1253.

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Product of multi services in sharia banks presented in order to meet the needs of society as well as the development of the era transactions that course in accordance with Islamic principles, then the ownership in the syariah products including multi product in Islamic banking services using the concept of multi akad therein. This is done so that innovation in Islamic banking products had been developed so that it can be chosen by the public in conducting business transactions. Likewise, the multi-service bank guarantee products in Islamic banking, is a multi product contract, where there is more than one contract. Bank guarantees in Islamic banking is generally called kafalah product because this product is Kafalah main contract, followed by Ijarah contract, wadiah, and qardh. This paper examines the concept of multi-contract/contract executed hybrid shariah banking at bank product warranty/kafalah

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Chauhan, Ajay, and Rabia Rasheed. "Bank Islam: marketing of Islamic banking products." Emerald Emerging Markets Case Studies 5, no. 8 (December 3, 2015): 1–16. http://dx.doi.org/10.1108/eemcs-10-2014-0236.

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Subject area The case discusses Islamic Banking Principles and Products (Banking), Business Strategy for Niche Markets (Strategic Management) and Segmentation and Marketing Strategy (Marketing Management). Study level/applicability Undergraduate Graduate Training – Executives at junior level. Case overview This case is about the dilemma faced by Azhar Mehmud, a newly recruited Marketing Manager, Islamic Products (MMIP) in Bank Islam on six-month probation. Prior to Bank Islam, Azhar had an MBA degree from the UK and about 15 years of experience of business development in a multi-national bank in Indonesia. Looking at his experience, he was awarded to promote Islamic banking (IB) products in Malaysia where the competition was very intense. After his interactions with customers for about six to seven months, he prepared a report for his boss, General Manager, Consumer Banking (GMCB). In this report, he had summarized the challenges of marketing IB products in a market meant for conventional banking. When he presented the report to GMCB, he met with unfavorable reactions. GMCB was not convinced that IB products had any competition from conventional banking. He gave Azhar one additional month to either revise his thinking or quit the organization. Expected learning outcomes The expected learning outcomes are as follows: to enhance the awareness of IB products, principles and differences from the conventional banking products; to introduce the concept of business strategies for niche markets; to make students realize the importance of segmentation in view of niche market like IB. Supplementary materials Teaching notes are available for educators only. Please contact your library to gain login details or email support@emeraldinsight.com to request teaching notes.

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Sahoo, Bibhu Prasad, Amandeep Singh, and Neeraj Jain. "GREEN BANKING IN INDIA: PROBLEMS AND PROSPECTS." International Journal of Research -GRANTHAALAYAH 4, no. 8 (August 31, 2016): 92–99. http://dx.doi.org/10.29121/granthaalayah.v4.i8.2016.2566.

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Green banking is different from traditional banking, as green banking focus on promoting environment friendly banking. Green banking is also known as ethical banking. This paper attempts to analyze the adoption of green banking products among customers with different age groups. ANOVA and post hoc tests are applied for analyzing the objectives. This paper finding explains that there is significant difference in the usage of green banking products across various age groups individuals, as young generation is more inclined towards green banking products than middle age and senior age groups. Therefore, more awareness is need to be created among the middle and senior age groups individuals.

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Масленников, Анатолий, Anatoliy Maslennikov, Надежда Масленникова, and Nadezhda Maslennikova. "ISSUES OF DEVELOPMENT AND IMPLEMENTATION OF INNOVATIVE BANKING PRODUCTS." Services in Russia and abroad 10, no. 5 (August 29, 2016): 69–80. http://dx.doi.org/10.12737/21197.

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Many banks are successfully working in the conditions of growing competition and declining profitability; they are looking for new options to increase the number of their customers, reduce operating costs and improve the efficiency of operations. Medium-sized and large banks, which, as a rule, have numerous and very costly structure, with great difficulty manage to fulfill these requirements. The solution of this problem is possible through the development and introduction of innovative banking products and the provision of modern banking services. Creation of innovative banking products and services –it is the transition from the focusing on the mandatory adherence to applicable regulations, centralized management and the priority of the executive to the orientation on a customer, decentralized management and technology deserted. Creation of innovative banking products and services - is the transition from the orientation to the mandatory adherence to applicable regulations, centralized management and the priority of an executive to orientation on the customer, decentralized management and untended technologies. The main prerequisites for the development of innovative banking products are: individual approach to customers, the development of information and communication technologies, and the active introduction of self-service. Innovative banking products are significantly less time-consuming for the use of bank employees’ work, but functionally more flexible and profitable; the strategy of commercial banks is built based on them. Creation of innovative banking products and services - it is: 1) a definite step in the development of banking technologies, aimed at building a modern strategy of commercial banks; 2) a new organization of interaction with the client in the delivery of banking services. The concept of creation of innovative banking products and services include the following principles: implementation of responsibility decentralization to the level of additional office; development of intra-entrepreneurship; development of customer-oriented organizational structure; decentralization of work leading to the integration of strategic and operational liability; the introduction of material incentives for the individual activity results on a contract basis; development of self-service based on the complex of automated banking devices and information technologies. Implementation of these principles will lead to the direct process of introduction of innovative banking products and services, and focuses the bank employees on meeting customer needs.

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Thambiah, Seethaletchumy, Shanti Ramanathan, and Mohammad Nurul Huda Mazumder. "The Determinants Of Islamic Retail Banking Adoption In Malaysia." International Business & Economics Research Journal (IBER) 11, no. 4 (March 21, 2012): 437. http://dx.doi.org/10.19030/iber.v11i4.6880.

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This study aims to examine the factors affecting the adoption of Islamic retail banking (IRB) products and services among the banking customers of Malaysia. The market share of Islamic retail banking remains low despite being in operation for the past 28 years. Therefore, an empirical analysis was conducted to study the usage of Islamic retail banking products and services between the urban and rural banking customers of Malaysia. Comparisons were also made on the usage of Islamic deposits and financing schemes between the Muslim and non-Muslim customers. The findings of the study revealed, relative advantage, promotional efforts, complexity, compatibility and awareness on attributes of Islamic retail banking as the significant determinants of the usage of Islamic retail banking products and services. Thus, the findings of this study serves as a valuable guideline to the banking sector and policy makers to devise appropriate marketing strategies to promote Islamic retail banking products and services aggressively among the banking customers of Malaysia.

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Belyaeva, Svetlana, and Dzhannet Shikhalieva. "Trends in the development of banking products and services in modern realities." KANT 37, no. 4 (December 2020): 32–37. http://dx.doi.org/10.24923/2222-243x.2020-37.6.

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This article discusses the essence of such concepts as banking services and products. The classification of banking products according to different criteria is given. The stages of the life cycle of the banking product (service) are disclosed. The current state and problems of promotion of banking products and services in conditions of coronacrisis are assessed. The main trends of further development of competition of the banking sector in this segment are highlighted.

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Harrieti, Nun. "The Use of Hybrid Contract in the Innovation of Islamic Banking Product." Hasanuddin Law Review 4, no. 1 (April 14, 2018): 68. http://dx.doi.org/10.20956/halrev.v4i1.1208.

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ASEAN Banking Integration Framework (ABIF) provides market access and operational flexibility for Quality ASEAN Banks (QAB) in ASEAN countries. Indonesian sharia banking is faced with various challenges in fulfilling QAB qualification within this ABIF framework, one of which is the need for product innovations that can meet the needs of community transactions. One of the innovation is through hybrid contract. This study aims to analyze the validity of the use of contract hybrid in the innovation of Sharia banking products in order to encounter ABIF including its legal consequences under the prevailing laws and regulations in Indonesia. This paper was a normative juridical research with analytical descriptive approach. The validity of the use of hybrid contract in the innovation of Islamic banking products in Indonesia in order to encounter ABIF is based on the provisions of the DSN-MUI Fatwa which regulates the covenants used in the innovation of Islamic banking products, so that sharia banking that will make product innovation in Indonesia must ask Fatwa on the terms of contract which will be used in product innovation. The legal consequences of hybrid contract in the innovation of sharia banking products in Indonesia in order to face ABIF are subject to the provisions of Financial Services Authority Regulation (POJK) of Products and Activities of Sharia Banks and Sharia Business Units, so banks are required to apply the Sharia Principles in issuing their product innovation supported by the National Sharia Council Fatwa of the Indonesian Ulama Council which become the basis for the issuance of product innovation and accompanied by the Sharia Supervisory Board's opinion on the Product's innovation.

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Usman, Muhammad, and Nabeel Taj Ghouri. "Reasons and Causes that Prevent Customers from Buying Consumer Banking Products in Pakistan." International Journal of Accounting and Financial Reporting 1, no. 1 (December 31, 2014): 549. http://dx.doi.org/10.5296/ijafr.v4i2.6868.

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Consumer banking refers to that banking products and services which are directly given by banks to consumers that are personal loan, auto loan, house loan and credit card. . Customers face some problems while buying consumer banking products and services, such as high interest rate, lack of awareness, inappropriate service, arrangement of securities and procedural complications. This study aims to analyze the relationship between perceived problems and consumer banking products. Survey based methodology was used for data collection. For this purpose a close ended questionnaire was designed. The target population was Lahore Pakistan. Interest rate, customer service, security issues and procedural complications are proven to be the problems faced by the customers while buying consumer banking products. But lack of awareness proved to be wrong which means that respondents are aware of consumer banking products.

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Bidabad, Bijan. "Insurance Products in Rastin Profit and Loss Sharing Banking." Indian Journal of Finance and Banking 3, no. 1 (June 28, 2019): 40–54. http://dx.doi.org/10.46281/ijfb.v3i1.344.

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Purpose: This paper aims to explain new insurance products and policies in Rastin Profit and Loss Sharing (PLS) Banking. Rastin Banking is a full Islamic Banking System with all necessary parts for banking operations that can be installed in conventional and Islamic banks both. In this paper, we are going to explain the milestones of new insurance products and policies. Design: Rastin Banking complies with the nature of the intermediary financial activity and has a new type of banking operations. The systems and instruments of this type of banking have different risk treatments, and new insurance policy and measures should be defined to cover the risks of the operations In order to fulfill this goal, appropriate insurance policies are described. Findings: Some new insurance products are defined such as Certificate Insurance, Insurance of Market Value of Certificate, Responsibility/Engineering Insurance, Insurance of Accidents Concerning the Article of Sharing, Collateral Insurance, Loss Margin Insurance, Profit Margin Insurance, Merchandise Transportation Insurance, Production Equipment and Installations Insurance, Product Quality Insurance, Insurance of Commodity under Production, Inventory Insurance, Production Limited Loss Insurance, Transaction Limited Loss Insurance to handle Rastin Banking. Research limitations: Many of these insurance policies are new and require more elaborations for further practical development and adjustment. Practical implications: These insurance products can be used both in Rastin Banking operations as well as conventional business and finance arrangements. These insurance policies have no conflict with indisputable legal principles, and insurance companies can supply these insurance products based on their own actuary calculations. Social implications: The introduced insurance policies actually change profit and loss sharing activity to just profit sharing. Originality/value: Approach of this system and the designed insurance policies is entirely different and new.

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Kanhoush, J. "Features of independent (banking) guarantees as one of the islamic banking products." Courier of Kutafin Moscow State Law University (MSAL)) 1, no. 8 (October 13, 2020): 170–88. http://dx.doi.org/10.17803/2311-5998.2020.72.8.170-188.

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Naveed, Shagufta, Muzammil Khurshid, and Muhammad Azeem. "A Gender based Analysis of Awareness Level and Willingness regarding Islamic Banking Products and Services: An Evidence from Pakistan." Journal of Islamic Thought and Civilization 10, no. 101 (June 2020): 182–96. http://dx.doi.org/10.32350/jitc.101.10.

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The objective of this study is to check the gender-wise awareness level and willingness regarding products and services of Islamic Banking in Pakistan. Islamic banking means a system in which banking operations and activities are defined by Islamic Jurisprudence.As Pakistan is a Muslim majority country, it is important to analyze the awareness level about Islamic Banking products and services. By using random sampling, a questionnaire was distributed to 300 men and women respondents from different cities of Pakistan to collect data. This study employed descriptive analysis and independent t-test to analyze the results.The study concluded that there is a lack of awareness of Islamic Banking products and services in both men and women.The study found that women exhibited a low level of awareness but they are more willing to move towards Islamic Banking products and services if the management of Islamic Banks properly guides and explains them the attributes of Islamic Banking products and services because they are keen toward religion as compared with men.

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Ali, Mohammad Mahbubi. "Toward Islamic Banking Without Tawarruq." ICR Journal 8, no. 2 (April 15, 2017): 256–59. http://dx.doi.org/10.52282/icr.v8i2.199.

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Islamic financial products have evolved and developed remarkably from simple and straightforward structures to highly sophisticated and multifaceted instruments. During the 1980s and 1990s, Islamic financial products were dominated by deposits and savings, syndicated project financing, Shari’ah-compliant stocks and mutual funds. The last two decades have witnessed the unveiling of more complicated structures, including various sukuk models, derivatives, Islamic structured products, Islamic hedge funds, and others. Most, though not all, of these replicate conventional products, splicing together nominate contracts from the Islamic fiqh legacy with a few modern modifications to meet legal requirements and to become Shari’ah-compliant’.

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Katan, L., and S. Sotnikov. "BASIC APPROACHES TO CLASSIFICATION OF BANKING PRODUCTS." Investytsiyi: praktyka ta dosvid, no. 22 (November 30, 2018): 5. http://dx.doi.org/10.32702/2306-6814.2018.22.5.

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Viblyi, P., I. Lashchyk, and P. Diakiv. "Fintech products use in Ukraine banking system." Galic'kij ekonomičnij visnik 65, no. 4 (2020): 121–27. http://dx.doi.org/10.33108/galicianvisnyk_tntu2020.04.121.

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Aris, Nooraslinda Abdul, Rohana Othman, Rafidah Mohd Azli, Mardiyyah Sahri, Dzuljastri Abdul Razak, and Zaharuddin Abdul Rahman. "Islamic Banking Products: Regulations, Issues and Challenges." Journal of Applied Business Research (JABR) 29, no. 4 (June 28, 2013): 1145. http://dx.doi.org/10.19030/jabr.v29i4.7922.

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The Islamic world is in its evolutionary phase. Islamic finance whichcomprises the banking system, takaful (Islamic insurance) and capital market productsand services offer an alternative to society. The development is said to bephenomenal with a double-digit annual growth rate since its inception. McKinsey & Company (2007) in his study stated thatthe value of Islamic banking assets and assets under Islamic management isexpected to reach USD1 trillion by 2010, with Islamic banks growing morerapidly than the average banking sector in most countries. As of 2009,worldwide assets under shariah compliance grew four times from 0.5% to 2% ofthe world economy and reached MYR3.5 trillion (PEMANDU,2010). With the increasing trends of Islamic finance, Islamic financialinstitutions (IFIs) around the world are encouraged to develop and innovate newproducts in order to meet the ever-changing demand from its customers andpotential customers. The introduction of new Islamic products does impose somechallenges, not only to the practitioners and Shariah council members, butalso to society at large, as they are the ultimate users of the product. Thispaper aims to look at the development and regulations of new Islamic banking productswith focus given more on Islamic house financing. Such developments bring aboutvariation in the products introduced to the public as different contracts are adopted.The focus will be mainly on IFIs operating and regulated in Malaysia withspecific enforcement by the countrys regulators.

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Franchini, Massimo, Enrico Capuzzo, Rosalia Turdo, and Claudia Glingani. "Quality of Transfusion Products in Blood Banking." Seminars in Thrombosis and Hemostasis 40, no. 02 (January 28, 2014): 227–31. http://dx.doi.org/10.1055/s-0034-1365840.

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The primary goal in transfusion medicine and cellular therapies is to promote high standards of quality and produce ever safer and more efficacious products. The establishment of a transfusion service quality management system, which includes several organizational structures, responsibilities, policies, processes, procedures, and resources, is now mandatory and widely regulated worldwide. In this review, we summarize the current knowledge on the quality system in transfusion medicine as applied to the production of blood components, including red blood cells, platelets, and fresh frozen plasma.

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Shafique, Muhammad Nouman, Naveed Ahmad, and Hussain Ahmad. "Marketing Islamic Banking Products Evidences from Pakistan." Nigerian Chapter of Arabian Journal of Business and Management Review 3, no. 5 (2015): 19–30. http://dx.doi.org/10.12816/0014512.

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Fitria Mustapita, Arini. "SOCIALIZATION, LITERACY AND IMPLEMENTATION OF SHARIA BANKING PRODUCTS." Journal of Interdisciplinary Socio-Economic and Community Study 1 (2021): 63–67. http://dx.doi.org/10.21776/jiscos.ub.01.02.05.

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The banking world is currently experiencing rapid growth, new banks have emerged such as Islamic banks, so it is inevitable that a competitive and tight banking business will emerge. This service activity is expected to provide provisions for the participants to improve the Islamic economy. Understanding Islamic banking products will provide benefits for them in terms of the Islamic economy. The systematics of the implementation of this service activity is Socialization, Literacy and Implementation with the assisted subjects who are partners of this community service activity are Karang Taruna and Dinoyo Residents in Lowokwaru District, Malang City. The activity is carried out in three stages: problem identification, activity implementation, and implementation evaluation. The result of the implementation of this activity was that the participants expressed their gratitude to us for being allowed to take part in the Islamic banking literacy and socialization activities so that they could open their minds who had so far felt that conventional banks and Islamic banks were the same. This shows that the literacy and socialization of Islamic banking in society are still not active enough, so activities like this should be carried out more frequently.

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ALI, MUHAMMAD AQIB, and TALAT HUSSAIN. "Islamic Banking Products, Services and Objectives: Perspectives of Shariah Supervisors and Regulators." International Review of Management and Business Research 10, no. 1 (March 8, 2021): 247–58. http://dx.doi.org/10.30543/10-1(2021)-21.

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The study is aimed at assessing the opinions of vital Islamic banking stakeholders including members of various Islamic banking Shariah Supervisory Boards (SSBs) and pertinent personnel from Pakistan’s central bank – The State Bank of Pakistan (SBP). The research analyzes the percepts of respondents regarding various aspects relevant to Islamic banking (IB) products, service and objectives. The paper employs qualitative research approach in analyzing the Shariah and regulatory experts’ viewpoints regarding Islamic banking. The study is conducted using semi-structured interviews of twelve Shariah supervisors and nine SBP staff members serving in the Islamic banking department and Islamic banking focus groups in the regional/field offices of the State Bank of Pakistan. The study is of pioneering nature involving qualitative research design and inclusion of two of the most significant stakeholder groups from the Islamic banking sector of Pakistan who have not been included in the past studies regarding Islamic banking perceptions. The research findings highlighted that Shariah objectives are top priority of Islamic banks as per the views expressed by members of Shariah boards of various banks while in opinion of Islamic banking regulators, Islamic banks’ major concern is to achieve their business objectives. Keywords: Islamic Banking, Islamic Finance, Pakistan, Products, Perceptions, Shariah Compliance.

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Trimulato, Trimulato. "Sharia Bank Product Development through Mudhrabah Investment." Shirkah: Journal of Economics and Business 1, no. 3 (December 31, 2016): 311. http://dx.doi.org/10.22515/shirkah.v1i3.24.

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Sharia banking now has a strong legal framework with the presence of law number 21 of 2008 on sharia banking in Indonesia. This regulation enforces sharia banking to develop products to achieve the targeted market share of 5%. In third-party fund products, more innovation is needed to attract people to entrust their funds in sharia banks. The visible data of mudharabah fund raising deposit products in March 2013 amounted to Rp100.746.000.000 and Rp115.728.000.000 in mudharabah deposits was visible on April 2014, which is an increase of less than 2% each month. This research uses a qualitative descriptive methodology, and is focused on fund raising products in shari'ah banking, particularly in the form of mudharabah investments for a definitive result. The results show that sharia banking requires innovative fund raising for third-party products, such as mudharabah investment products. These investments provide certainty of results despite using mudharabah and are based on the certainty that projector financing has been agreed by the sharia with the creditor banks. This investment product can be offered to both individuals and groups/collectives.Keywords: sharia banking, investment, mudharabah

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Santoso, Ivan Rahmat. "Sosialisasi dan Pelatihan Implementasi Akad-Akad dan Produk Perbankan Syariah." Jurnal Pengabdian Pada Masyarakat 3, no. 2 (December 21, 2018): 151–58. http://dx.doi.org/10.30653/002.201832.66.

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DISSEMINATION AND IMPLEMENTATION TRAINING OF CONTRACTS AND ISLAMIC BANKING PRODUCTS. The aim of this community service program is to improve comprehensive and integrative understanding of the community, religious leaders and students regarding products/contracts in Islamic banking. It is expected that the training provided by the dedication objects will be able to implement Islamic banking products / contracts in Islamic economic life. Increasing the effectiveness of sharia banking socialization is very important, for that it requires real efforts. To achieve a goal that is desired, it is necessary to make improvements in socializing Islamic banking in the community, it can be seen from what factors are a problem in increasing the effectiveness of sharia banking dissemination in the community, especially in the community. The results of the activities are the community, religious leaders and students who have knowledge of Islamic banking products and contracts and are able to implement in an Islamic economic life.

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Izni, Nor Aziyatul, Nur Aqilah Zainordin, Lu She Chuen, Winsent Ng Yik Onn, and Nursyamilah Annuar. "Factors Influencing the Adoption of E-banking Services in Klang Valley." Jurnal Intelek 17, no. 1 (January 30, 2022): 217. http://dx.doi.org/10.24191/ji.v17i1.16101.

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The growth of the Internet and the usage of electronic devices such as computers and mobile phones, have increased e-banking services usage, especially online and mobile bankings. This is a great opportunity to identify and understand which factors would significantly affect the user’s intention to use e-banking services and to give the determining factors of e-banking services in the aspect of the users. This could help banking-related companies to improve their services and products. Quantitative analysis was used in this paper to measure the relationships between e-banking services and user’s intention. In the data collection process, questionnaire was distributed to 390 Malaysians, aged 18 and above, who stay in Klang valley. Statistical Package for Social Science (SPSS) software will be used to analyse the collected data based on Pearson’ correlation coefficient and multiple regression analysis to determine the result.

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Saba Raja, Jameel Ahmed, and Kaneez Fatima. "Awareness on Islamic Banking: An Investigation on Women Entrepreneurs in Quetta." Journal of Business and Social Review in Emerging Economies 6, no. 4 (December 31, 2020): 1595–609. http://dx.doi.org/10.26710/jbsee.v6i4.1513.

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This study creates the profile of women entrepreneurs in Quetta city and examines their awareness level regarding Islamic banking and its products. The study is descriptive in nature and survey questionnaire was used for data collection. The data from 106 women entrepreneurs were collected who are engaged in multiple business activities in Quetta city. From the results it has been found that majority of the women entrepreneurs (i.e., 60%) knew about the term, Islamic banking but the sample size trimmed down as the research questions moved to awareness about Islamic principles, Shariah board, Islamic banking products, Islamic modes of finance and comparison of Islamic banking with conventional banking. It was found that only 10 (out of 106) women entrepreneurs are highly aware about Islamic banking, Islamic principles, Shariah board, Islamic banking products, and Islamic modes of finance. This study suggests that Islamic banks, scholars, and academicians should collaborate to enhance the awareness by arranging awareness campaigns, workshops, seminars, and training sessions on Islamic banking and its products among women entrepreneurs.

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Yumna, Aimatul. "Examining financial needs of banking customers for product development in Islamic banking in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 5 (November 11, 2019): 712–26. http://dx.doi.org/10.1108/imefm-11-2018-0378.

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Purpose This study aims at product development in Syariah banking, using the theory of Pyramid of Maslahah. Product development are important aspects of Islamic banking to realize Maqasid Al Shariah and to better serve the real economy. Design/methodology/approach To understand the needs of the customers, this study uses qualitative approaches and collects primary data from semi-structured interviews of 25 banking customers in Indonesia. Findings The study found that the group of respondents who have similar characteristics in age, marital status and number of kids tend to have similar financial needs. Some of the needs that have not been fulfilled by Sharia banking are the needs for investment in banking products, the needs for pension plan products and the needs for travelling-related financial products. Practical implications This study proposed that Islamic banking should provide financial products that cater to three needs of the society, including the needs for necessities/essentials (daruriyat), the needs of complementary requirements (hajiyyat) and the needs for beautifications or embellishments (tahsiniyat), to be able to better serve the real economy. Originality/value Financial needs and the life cycle approach can be used for product development in banking industry. However, this approach has not been widely used for consideration in the development of Sharia banking products in Indonesia. This study provides some novelty in Islamic banking customer behavior, especially in understanding financial needs based on the theory of Pyramid of Maslahah.

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Muhammad Hussain Qureshi and Talat Hussain. "Green Banking Products: Challenges and Issues in Islamic and Traditional Banks of Pakistan." Journal of Accounting and Finance in Emerging Economies 6, no. 3 (October 2, 2020): 703–12. http://dx.doi.org/10.26710/jafee.v6i3.1177.

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Purpose: The issuance of green banking guidelines in 2017 has opened the door of a new banking horizon for Islamic banks because the objective of Islamic banks, objective of Shariah, objective of Islamic economic system and objective of green banking are linked. Banking, especially Islamic banking based on products and one of the main components of green banking guidelines is the development of green banking products. Since green banking is in the infancy stage, therefore, the objective of the study is to explore the issues and challenges in green banking products in Islamic and traditional banks of Pakistan. Methodology: Semi-Structured interview technique is utilized for data collection. The green operation managers and Shariah scholars of sample banks selected as interviewees. Interviews are conducted through telephonic recorded calls and email-interviewing. Total of 26 interviews are conducted. Findings: The results indicate that lack of skills, knowledge, identification of the target market with the appropriate mode of financing and convincing the people are some main obstacles in green banking product formulation and implementation. Implications: At one-point, green banking is an opportunity for Islamic banks to achieve Maqasid-e-Shariah on the other side, it may become an obstacle because it further limits the financing areas for Islamic banks. The situation needs serious attention from policymakers to act at earliest.

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Trimulato, Trimulato. "Pengembangan Produk Funding Dengan Akad Musyarakah Pada Bank Syariah." FALAH: Jurnal Ekonomi Syariah 2, no. 1 (February 5, 2017): 12. http://dx.doi.org/10.22219/jes.v2i1.4355.

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The rapid development of shariah banking in Indonesia can be seen by its market share which exceeded 5 percent nationally in 2016. Furthermore, the shariah banking have a strong legal law with the presence of the law number 21 of 2008. Total deposits in shariah banking reached 240,974,000,000,000. To increase public interest to choose shariah banking have to innovate in both product funding and product financing. Musharakah contract is currently only used on product financing, weather has not been used in the funding product. This paper uses a descriptive qualitative method, this paper is focused on raising funding products by musharakah contract. To increase the volume of funding products, syariah banking need to use musharakah contract on funding products. The results of this paper concluded that, in the period of December 2015 through December 2016 the musharakah contract on financing products increased up to 29.17 percent. Musyarakah contract has not been used on funding products. Both musharakah and mudarabah have the same pattern as the model for the results. While mudharabah used in funding products, musharakah can also be used for funding products in shariah banking. The Development of funding product with musharakah contract in shariah banking will be profitable for banks and customers. It will be more easily raise money to meet the large volume of financing, then the Musharakah agreement will provide for more great results for customers.

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Hasibuan, Abdul Nasser, and Nofinawati Nofinawati. "Understanding Padangsidimpun City Community in Recognizing and Understanding Sharia Banking Products." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 9, no. 2 (December 30, 2021): 206–19. http://dx.doi.org/10.24952/masharif.v9i2.4762.

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Abstract The population of Padangsidimpuan city is 89% Muslim who does not understand Islamic banking, and considers Islamic banking to be the same as conventional banks. The purpose of this paper is to determine the understanding of the people of Padangsidimpun city about Islamic banking products. The theory used is a general understanding, specific understanding, products about Islamic banking. The method used is PAR where the strategy used is a process of approach, research, learning and technical solutions to social problems that can be planned and implemented with the community. Results Public understanding of Islamic banking is only limited to 84 %. While the results of the specific understanding of the people of Padangsdimpuan city, namely the translation of Islamic products and banking, which is 12%, while the second level is an understanding of interpretation of 73%, and for the third level is the highest level, namely the understanding of extrapolation of the people of Padangsidimpuan city of 63%.

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Gultom, Mardia Shintia Devi, and Mustapa Khamal Rokan. "Problematika Perbankan Syariah: Solusi dan Strategi Digitaliasasi dalam Meningkatkan Kualitas Produk dan Layanan Perbankan di Bank Sumut Kantor Cabang Syariah Medan." ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) 3, no. 1 (April 30, 2022): 14–20. http://dx.doi.org/10.29303/alexandria.v3i1.175.

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The purpose of this research is to find out appropriate strategies through the digitization of products and services in order to improve the quality of Islamic banking and be better known by the wider community. The aspects analyzed are islamic banking problems. The synthesis described is the solution and strategy of developing Islamic banking through the role of digitalization in improving the quality of Islamic banking products and services. Among the development strategies of Bank Sumut Syariah Sharia Branch Office Medan, namely through payment and purchasement services and services, SUMUT Mobile, ATM Services, E-Martabe Cards, Strengthening the digitization system to improve the efficiency of Islamic banking services, strengthening human resources in improving the innovation of Islamic banking products, in addition, among the management of Islamic banking development through the use of information digitization is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking is very important so that the existence of Islamic banking the higher so that people's interest in using Islamic banking services and services is increasing

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Hidayat, Muhammad Rizal, Rizky Tri Utomo, and Khoirun Nisa. "Analysis of the Impact of Gold Credit Product Prohibition on the Society Interest in Using Islamic Banking Products." Journal of Business and Economic Analysis 02, no. 02 (January 2019): 128–48. http://dx.doi.org/10.1142/10.36924sbe.2019.2204.

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The purpose of this research is to analyze the prohibition of gold credit products as the current issue in the world of Islamic Economics and finance and its implications for the interest of the society in using Islamic banking products in Indonesia (a case study in Bank Syariah Mandiri in Semarang City). This research uses the Logistic Regression method to analyze the impact of prohibition of gold credit products on society interest in using Islamic banking products. The results indicate that even though there was a prohibition ruling of buying gold credit products after being previously allowed, the interest of the society in using Islamic banking products did not decrease at all. What underlines the society’s consideration of not reducing their interests in using Islamic banking products is the abundance of alternative Islamic banking products that can be chosen by them according to their preferences. The result of this research can potentially contribute to the revision or renewal of Islamic economics and finance legal policies made by Dewan Syariah N asional Majelis Ulama Indonesia (DSN MUI) namely the Fatwa DSN MUI Number 77/DSN-MUI/VI/2010 about Sale and Purchase of Non Cash Gold.

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Ramli, Mona Fairuz, Maria Abdul Rahman, and Ajay Chauhan. "Assessing the Antecedents of Usage Intention on Islamic Banking Products in Dual Banking." Advanced Science Letters 24, no. 1 (January 1, 2018): 482–84. http://dx.doi.org/10.1166/asl.2018.12045.

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Al-Hasni, Fariz. "MURABAHAH IN ISLAMIC BANKING SYSTEM." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 11, no. 1 (June 26, 2019): 69–88. http://dx.doi.org/10.20414/mu.v11i1.2037.

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Islamic bank products have similarities but are not the same as conventional bank products because they have a ban on usury, gharar, and maysir. Therefore, approval and financing products such as working capital and investment in the form of sale and purchase agreements in Islamic banks must be avoided. sale and purchase agreement that has been discussed by Islamic scholars of muamalah is very much Islamic. The amount can reach dozens if not reached. Even so, of these many forms, there are three types of buying and selling that have been developed as the main support in working capital and investment financing in Islamic banking, namely, bai'al-murabahah, bai 'as-salam, and bai' al-istishna '.

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Carsamer, Emmanuel. "Customer banking rights awareness in Ghana." Banks and Bank Systems 13, no. 2 (July 2, 2018): 141–52. http://dx.doi.org/10.21511/bbs.13(2).2018.12.

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The purpose of this paper is to investigate the determinants of customer banking right awareness regarding banking products and services in Ghana. A survey of 569 bank customers was conducted in Metropolitan Assemblies in Ghana, using a structured questionnaire with Likert-type questions. Customers were conveniently intercepted as they walked out of universal banks. Ordered probit estimation technique was used to test the research hypotheses. The study revealed that whilst bank variables (duration and number of visits) improve customers’ knowledge on bank products and services, demographic factors (age, marriage, income) enhance the level of awareness customers have with regards to bank products and services. The study also revealed that education reduces it in Ghana. Sources of information such as banking exhibitions and fairs, family and mass media improve customer banking right awareness, however, bank staff negatively affect awareness level. The study advises banks to pay particular attention to sources of information, especially bank staff, bank brochures, mass media, exhibitions and fairs. Also, age and income segment of customers should be considered when attempting to improve customer banking right awareness for satisfactory service delivery.

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Soma, Abdul Mukti, Ina Primiana, Sudarso K. Wiryono, and Erie Febrian. "Religiosity and Islamic Banking Product Decision: Survey on Employees of PT Telekomunikasi Indonesia." ETIKONOMI 16, no. 1 (March 8, 2017): 25–42. http://dx.doi.org/10.15408/etk.v16i1.4379.

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The objective of this research is to examine the religiosity on Islamic banking product decision. A survey method was employed using a sample of 2.627 employees at different level of education, level of income, gender, age, marital status, length of service, work location (provincial based), ownership of conventional banking products as well as ownership of sharia banking products among employees of PT. Telekomunikasi Indonesia. The study also developed valid and reliable scales for religiosity and selection of sharia banking product. The ﬁndings of the study revealed that dimensions of religiosity affected understanding of Islamic Banking Concept and also affected Bank Selection Criteria. Future research is required to investigate private employees and semi government employees, even in military institutions to find different figure of religiosity and preference of sharia banking products, by identifying the speciﬁc areas of religiosity that have particular impact in determining the sharia banking products.DOI: 10.15408/etk.v16i1.4379

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Masiukiewicz, Piotr. "Multicultural issues in the development of Islamic banking." Journal of Intercultural Management 6, no. 3 (September 1, 2015): 167–76. http://dx.doi.org/10.2478/joim-2014-0027.

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Abstract Islamic banking is highly specific and is based on the Sharia law. This banking offers new products. which comply with the prohibitions of riba, maysir, gharar. Dynamic development of this banking in the word is the consequence of its opening to culturally diverse clients, and not only Muslims. Numerous researches demonstrate that many not-Muslim clients use the financial products which are offered in Islamic banks and in the “Islamic windows” in conventional banks. The Islamic banking offer is increasingly more often dedicated to the clients beyond the Muslim community, and at the same time the products dedicated to this community are offered by traditional banks. In this way the Islamic banking offer diffuses to other cultures.

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Yasin, Muaidy, Surati, and Lalu Edy Herman. "Does Product Knowledge Affect Intention To Use Islamic Banking? The Role of Corporate Image, Product Quality, and Religiosity." Journal of Southwest Jiaotong University 56, no. 2 (April 30, 2021): 291–302. http://dx.doi.org/10.35741/issn.0258-2724.56.2.24.

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The purpose of this research is to investigate and build a model of the influence of product knowledge, product quality, and level of religiosity through the corporate image in increasing intention to use Islamic banking products in small and medium enterprises that support halal tourism. The development of halal tourism should be an opportunity for Islamic banks to support the development of halal tourism. To increase economic growth in Indonesia through Islamic banking, Islamic banks must further increase public intention to use their products and services. This research is associative, and the population used was business actors supporting halal tourism in Lombok. Data collection used a survey method with questionnaires distributed to 200 respondents. The questionnaires were then processed and analyzed using Structural Equation Modeling with Amos 22 software. The results of this study are that the image of Islamic banking has no positive effect on the intention to use Islamic banking products, religiosity has a positive and significant effect on the intention to use Islamic banking products, and product quality has a positive and significant effect on the intention to use Islamic banking products.

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Suryani, Suryani. "DISEMINASI AKAD DAN PRODUK BANK SYARIAH PADA MASYARAKAT GAMPONG KEUDE KECAMATAN PEUDAWA ACEH TIMUR." Martabe : Jurnal Pengabdian Kepada Masyarakat 4, no. 1 (March 26, 2021): 1. http://dx.doi.org/10.31604/jpm.v4i1.1-8.

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The purpose of this community service program is to increase an integrated and integrated understanding with the community and community leaders of Gampong Keude, Peudawa District, East Aceh, regarding products and products in Islamic banking. Sharia banking product and product disemination activities in the midst of the community need to be given to the speakers to gain insight into the Gampong Keude community about sharia banks. The results of this activity are the community, and Gampong Keude community leaders have knowledge of Islamic banking contracts and products and have an interest in joining Islamic banking in and around the city of East Aceh.

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Garanina, Svetlana Alexandrovna, and Evgeniya Olegovna Zhuravleva. "COMPREHENSIVE APPROACH TO THE DEVELOPMENT OF A BANKING PRODUCT." Scientific Bulletin: finance, banking, investment., no. 1 (54) (2022): 67–78. http://dx.doi.org/10.37279/2312-5330-2021-1-67-78.

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The article discusses the main theoretical and practical issues (aspects) of the development of a banking product that underlie an integrated approach to the development of this product. First, the definition of a banking product is formulated and its characteristics are highlighted. Second, the process approach to the development of a banking product is disclosed and a list of stages of such development is proposed, indicating the appropriate procedures. Finally, the system of restrictions arising in the development of a banking product is considered, the problems associated with its development are identified, ways of solving these problems are presented, and recommendations for their implementation are formulated. Following an integrated approach will allow the bank to create high-quality banking products, with the help of which it is possible not only to retain existing customers and attract new ones, but also to increase the efficiency of functioning, improve its image and reputation. The relevance of studying the theory and practice of developing banking products is due to the regular nature of the development of banking products (as opposed to banking services), as well as an increase in banks’ need to replenish their list with demanded and profitable banking products, which is caused by the growing instability of the economy, tightening regulation and increased competition. The methods of analysis, synthesis, comparison and generalization allowed us to highlight the theoretical and practical issues (aspects) of banking product development

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Pham, Huong Thu, and Tuan Anh Dao. "Impacts of Fintech to Finance-Banking activities and recommendation for Finance-Banking industry in Vietnam." Journal of Mining and Earth Sciences 61, no. 5 (October 31, 2020): 104–10. http://dx.doi.org/10.46326/jmes.ktqtkd2020.14.

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Impact of the 4th industrial revolution on development of finance and banking system (TCNH) is increasingly clear with the launch of a series of new and innovative banking products and services, as well as introduction of new distribution channels for banking services based on financial technology platform (Fintech). On the basis of components and products of Fintech ecosystem, the article mentioned Fintech market in Vietnam, clarifying positive and negative impacts of Fintech on operations of finance-banking industry, from there to issue some recommendations for activities of Vietnam’s Finance-Banking industry to meet new trends.

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Jaya, Tiara Juliana. "BRANDING PERBANKAN SYARIAH MELALUI PRODUK-PRODUK PENDANAAN." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 1 (August 14, 2020): 69–80. http://dx.doi.org/10.36908/isbank.v6i1.133.

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Sharia banking is expected to apply sharia values to its transactions. Sharia values have a transparent nature. Sharia banking should be based on sharia principles. Referring to sharia principles as described in the Qur'an. Based on the problem then the author took the theme of Sharia banking branding through funding products. The fund-raising consists of three sharia Giro products, sharia savings and sharia deposits. The methods used are methods of analysis used are qualitative methods, and case studies. The triangulation approach of the two techniques of Denzin triangulation (XXX) is the use of sources and methods. It can be used as a cornerstone that by using Sharia bank products has many benefits that can be made for Shahibul Maal (Fund owners) continue to improve performance by using Sharia banking branding on all products especially in funding products. Islamic brand must show and have the appeal to consumers, and provide training and evaluation of human resources in sharia banking that is spearheading to provide vast information to prospective mudharib.

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Drobnjaković, Maja. "Green banking." Journal of Economic Development, Environment and People 2, no. 2 (June 22, 2013): 29. http://dx.doi.org/10.26458/jedep.v2i2.21.

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There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

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Siraz Meah, Md, and Md Sarwar Uddin. "An Evaluation of Retail Banking Products’ Performance: A Study on Selected Bankers." International Journal of Business and Management 16, no. 5 (April 11, 2021): 115. http://dx.doi.org/10.5539/ijbm.v16n5p115.

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The study has examined to categorize the retail banking products according to their important performance on scheduled commercial banks operating in Chittagong, Bangladesh. To do this, the authors have collected data from 118 bankers who are working at different level in different banks. Data have been analyzed with the help of SPSS IBM (Statistical Package for Social Science) 21.0 version. Factor analysis as well as multiple regression analysis has been conducted to get the result. Bartlett's Test of Sphericity along with Kaiser-Meyer-Olkin (KMO) statistics has been used to highlight three (03) categories retail products responsible for retail banking products’ performance of scheduled commercial banks. The study has found that these three (03) categories could explain 59.169% of total variability of retail banking products’ performance. Finally, multiple regression analysis has suggested that these three (03) categories of retail products influenced retail banking products’ performance most significantly. Limitations and further research directions are also discussed.

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Journal articles on the topic 'Banking products'

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