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Rahman, Mohammad Masudur, Muhammad Ataur Rahman, and Md Neshat Fahmed. "An Analysis of Customer Perceptions on Services of Electronic Banking in Bangladesh." International Journal of Business and Management 12, no. 1 (December 28, 2016): 169. http://dx.doi.org/10.5539/ijbm.v12n1p169.
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The use of Internet is growing rapidly in all business sectors to maintain effective relationships with customers, suppliers, distributors and many other parties. Banking sector is receiving the benefits of Internet by providing online services to the customers. Online services of banks are very useful for the internal employees and the customers where popularity of banking is increasing gradually. The benefits of E-Banking are enormous for both the financial institutions and bank customers. These benefits are the basis for the growth of the E-Banking. For the bank customers, the biggest benefit of E-Banking is convenience, longer banking hours, flexibility and accessibility. Despite the benefits and advantages of E-Banking, there are drawbacks and weaknesses. In developing this study, a pre-defined methodology and procedure have been followed. The aim of this research is to evaluate customers’ perceptions on the Electronic banking services in Bangladesh.
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Ojeka, Stephen A., and O. Ailemen Ikpefan. "Electronic Commerce, Automation and Online Banking in Nigeria." International Journal of Innovation in the Digital Economy 3, no. 1 (January 2012): 11–26. http://dx.doi.org/10.4018/jide.2012010102.
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Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions. More recently, it has been metamorphosed by the Internet with a new look and delivery channel for banking services that benefits both customers and banks. The objective of this paper is to find out the correlation between the anticipated benefits/challenges and encountered benefits/challenges. This paper empirically adopted the use of survey research to explore in quantitative terms the various challenges and benefits e-business poses to Nigerian businesses, with particular reference to Banking and Finance Industry. It was found out that there is a statistically significant difference between the anticipated and encountered benefits and major challenges in the potential security breaches faced by the customers. Constant training of employees both local and international on new development in online trading should be encouraged.
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Yousef, Ragheed. "ORGANIZING INTERNAL CONTROL OVER ELECTRONIC BANKING SYSTEMS." Chronos: economy sciences 6, no. 3(31) (November 3, 2021): 29–34. http://dx.doi.org/10.52013/2712-9713-31-1-5.
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The contribution of technology in the field of banking led to a qualitative shift in the nature of banking and in the mechanism of providing banking services. Electronic banking services have achieved many benefits for both the bank and the customer. In the context of the Russian banking market, the article shows that there is an upward trend in increasing the volume and number of electronic banking transactions executed. The article focuses on the nature of electronic banking services and the new risks that came with them, and highlights the importance of internal control in controlling these risks and reducing them as much as possible. It proposes a development mechanism for internal control, guided by several factors.
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Nimbalkar, Atul Arun, and Nachiket Deodhar. "A Study of E-Services of Bank with Special Reference to Private Banks, Ahmednagar." International Research Journal of Management, IT & Social Sciences 2, no. 11 (November 1, 2015): 22. http://dx.doi.org/10.21744/irjmis.v2i11.78.
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E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking also known as EFT (electronic Fund Transfer) means transfer amount online from one account to another account rather by using physical cheque. Information technology has taken important place in the future development of financial service, specially banking sector transaction are affected more than any other financial provider groups. Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but its growing use without awareness has also attracted many crimes and frauds. Through this paper, it is tried tom discuss about growth of E-banking along with growing challenges of risk & Insecurity. Emphasis is given on awareness to be given to E-banking users and establishment of more security measures to avoid chances of misappropriation of funds and cybercrimes. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses some challenges in an emerging economy and benefits of E-banking.
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Thi Phuong Nguyen, Linh, and Hieu Vo Chi Tran. "Customer Perception towards Electronic Banking and its Relationship with Customer Satisfaction: An Evidence from Vietnam." International Journal of Business and Management 15, no. 7 (June 23, 2020): 196. http://dx.doi.org/10.5539/ijbm.v15n7p196.
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Electronic Banking (e-Banking) is a popular banking service all over the world nowadays because of its convenience and great benefits for both banks and customers. However, although e-Banking has been implemented in Vietnam for a long time, the awareness and usage of customers toward this banking service are still very low in reality. This study aims to provide an insight into customer perception of e-Banking and to figure out which areas of customer perception influence customer satisfaction of e-banking in Vietnam. A structured questionnaire was distributed to three hundred and fifty banking customers in Vietnam. The collected data were analyzed by using descriptive, Pearson’s correlation, t-test, and ANOVA with Tukey analysis. The results illustrated customer perception of e-banking in Vietnam in different areas such as convenience, speed, security, procedure, ease of use, service costs, reliability, and quality of service. There were significant differences in customers’ perception of electronic banking among ages, occupations, income levels, and frequency of using groups in Vietnam. However, variables such as gender, marital status, and education levels had no significant influence on the perceptions of electronic banking. The study also found that except service costs, other factors such as convenience, speed, security, ease of use, reliability, quality of service, and procedure are positively related to customer satisfaction of electronic banking in Vietnam. Thus, it implies that bank managers should focus on these areas to raise customer perception and customer satisfaction of electronic banking.
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Suganda, Garindra Widhiatma, and Rendra Erdkhadifa. "The Binary Logistic Regression In Modeling The Factors Of E-Banking Using For Students." Annual International Conference on Islamic Economics and Business (AICIEB) 1 (December 9, 2021): 385–95. http://dx.doi.org/10.18326/aicieb.v1i0.39.
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This research is motivated by one of the technology-based banking services, namely electronic banking. In the industrial revolution 4.0, e-banking is currently a major concern and as a bank's operational strategy for a competitive tool in marketing in the world of financial services. In winning this competition, banks need a strategy to be able to attract customers to use e-banking services in order to retain customers and increase banking profitability. This study aims to examine and analyze the effect of convenience, benefits, security, convenience and knowledge on interest in using e-banking. The research method used in this study is quantitative, using a technique purposive sampling method. The sample in this study were students of the Islamic Banking Department IAIN Tulungagung and obtained as many as 268 respondents as the research sample. The data analysis technique used binary logistic regression analysis using the SPSS 21.0 program. The results of data analysis in this study indicate that the variables of convenience, benefit, security, comfort and knowledge have a positive and significant effect on interest in using e-banking. The implication of this research is that convenience, benefit, security, convenience and knowledge have an equally important role in increasing interest in using e-banking
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Gupta, Sweety, and Anshu Yadav. "The Impact of Electronic Banking and Information Technology on the Employees of Banking Sector." Management and Labour Studies 42, no. 4 (November 2017): 379–87. http://dx.doi.org/10.1177/2393957517736457.
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In the last three decades, the banking sector has seen a profound transformation owing to the changes in the global financial environment. The major change witnessed in the banking sector has been great advances in financial innovations and technologies, which are a result of turmoil in the global financial environment. The improvement in financial innovations and technologies has made E-banking an intense part of the banking sector. E-banking has revolutionized the lives of all individuals of present times and is considered to be a wave of information revolution after the agricultural and industrial revolution. Earlier banking customers were required to personally visit a bank branch in order to transact through their saving accounts but with the arrival of Internet banking the manner in which financial transactions are carried out have changed. Although E-banking has been popular among computer literates for many years, its popularity is growing exponentially as Internet usage grows and people discover the numerous benefits that are provided by online banking. In today’s increasingly integrated financial systems facing higher volatilities, more competition and higher time constraints, E-banking has become an integral part of the global financial environment in order to meet different requirements of customers of banking sector, thereby meeting the increased expectations of the participants in Indian banking system. This study makes an attempt to analyse the impact of E-banking and information technology on the employees of banking sector.
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van Tonder, Estelle, and Daniël Johannes Petzer. "Perspectives on “other” customers’ roles in citizenship behaviour." International Journal of Bank Marketing 36, no. 2 (April 3, 2018): 393–408. http://dx.doi.org/10.1108/ijbm-02-2017-0042.
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Purpose The purpose of this paper is to examine the impact of source credibility (expertise and trustworthiness) on perceived value (perceived usefulness (PU)), as well as the latter’s impact on sub-dimensions of customer citizenship behaviour (helping and advocacy intentions (AIs)) in an electronic banking services setting. Design/methodology/approach In total, 439 respondents who use at least one form of electronic banking service and who have previously received positive messages about electronic banking services from other customers were approached to complete a self-administered structured questionnaire. Findings Source credibility dimensions have a positive and significant relationship with PU. PU in turn has a positive and significant relationship with helping intentions and AIs as forms of customer citizenship. Research limitations/implications The findings advance understanding of the extent to which customers rely on the perceptions of other customers in determining the usefulness of a service as well as their willingness to advocate the benefits of the service and help other customers. Practical implications The findings may guide retail banks in obtaining a greater understanding of the customer citizenship behaviour process and the extent to which banks can rely on customers to convince other customers of the benefits of electronic banking services. Originality/value This study offers insight into the antecedents of the advocacy and helping intentions sub-dimensions of customer citizenship behaviour. It also explains how value between customers can be created by considering the elaboration likelihood model and social exchange theories, and customer citizenship behaviour.
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Trisna Dewi, Ni Made. "Perlindungan Hukum Terhadap Nasabah Mobile Banking dalam Transaksi Perbankan." Jurnal Komunikasi Hukum (JKH) 7, no. 1 (February 2, 2021): 135. http://dx.doi.org/10.23887/jkh.v7i1.31463.
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This essay discusses the legal protection for mobile banking custumers, because the mobile banking product as one of the delivery many benefits but contain many risk on the other side that could cause losses for the custumers. Therefore, the protection for mobile banking custumers is requiered in order to protect the rights of the custumers banking servise. The study was conducted to determine how the indonesian low and regulations that protect mobile banking custumers in banking transaction in case of the error transaction electronic in review of low number 11 of 2008 on information and electronic transactionsas well as the bank’s responsibility for the mobile banking custumers in case of a transaction error. This study is a normative study with the literature research method to analyze the book of legal literature and the low number 8 of 1999 about the custumers protection, low number 10 of 1998 about the indonesia banking sistem, low number 11 of 2008 about the transaction and electronic information. The result showed that although there is no customers legislation that specificaly regulates mobile banking, but in indonesia positive legal order there are laws and regulation which has provided legal protection for mobile banking custumers. There are law number 11 of 2008 about information and electronic transaction as contained in article 1.2 and 3. The bank’s responsibility to the custumer in case of error transaction. The loss is a proxy of fullfillment of one custumers protection law. Right to copensation in accordance with the treaty law in article 1313 civil law. Then the current legislation already includes aspects of legal protection for mobile banking custumers.
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Nguyen, Danh, and Arun Kumar Gopalaswamy. "The interface between electronic banking and accounting modules." Journal of Advances in Management Research 15, no. 3 (August 6, 2018): 241–64. http://dx.doi.org/10.1108/jamr-04-2017-0048.
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Purpose There is a substantial lack of the need for adopting interface between accounting systems of companies and banks in Vietnam. The purpose of this paper is to bring out the benefits and lacunas in the adoption of interface for companies as well identify the factors that possibly could be crucial in making the interface adoption a success or failure. Design/methodology/approach The study is set in the context of case analysis and has adopted a mixed method approach. In this study, a contrast between successful adopters of interface and non-adopters of interface is discussed to identify the motivating factors for interface as well as the factors which form the barriers for non-adopters. Findings By conducting a case study-based analysis for intensive data comparison of two companies as interface adopters and two as non-adopters in Vietnam, it is found that the success of the interface adoption is influenced by inter-related factors such as the manager characteristics, industrial environment, company characteristic and innovation characteristics. Particularly, the effectiveness of the interface can be well demonstrated by cost saving, manpower reduction, data consistency, accuracy, and speed of the process. Research limitations/implications The impact on the banker is not analyzed. Furthermore, this research only focuses on the effects of interface on the electronic banking system and accounting modules in the form of electronic payment, while in reality, banks provide a variety of services which can also be explored by other researchers. Originality/value This is one of the first studies in the context of Vietnam. This study is highly relevant in the current context, given the significant growth in the number of industries and export markets in Vietnam.
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Nel, Jacques, and Christo Boshoff. "Enhancing the use of internet banking in an emerging market." South African Journal of Economic and Management Sciences 17, no. 5 (November 28, 2014): 624–38. http://dx.doi.org/10.4102/sajems.v17i5.775.
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Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.
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Batubara, Sarmiana, Ihdi Aini, and Yuli Agustina. "Determinants Of Millenial Generations Interest In Using Mobile Banking." Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 9, no. 2 (December 30, 2021): 168–88. http://dx.doi.org/10.24952/masharif.v9i2.4760.
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Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.
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Ihenetu, Hyginus I., and Augustine A. Anaele. "Cost-Benefit Implications in the Emerging Electronic Banking Space in Nigerian Financial Sector." International Journal of Regional Development 8, no. 1 (May 26, 2021): 1. http://dx.doi.org/10.5296/ijrd.v8i1.18680.
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The paper evaluated the cost-benefit implications in the emerging electronic banking space in Nigerian financial sector. Data were collected from CBN statistical bulletin and NDIC annual report. Twenty one (21) banks operating in Nigeria constitutes the population of the study and sample size of twelve (14) years was selected through purposive sample method. Auto-Regressive Distributive Lag (ARDL) was used to analyze the data after stationarizing it through Augumented Dicky Fuller (ADF) unit root test. The findings show that ATM, POS and MB have no significant effect while WIT has negative significant on banks’ profit. The findings further reveal that the combination of these variables has positive and significant effect on banks’ profit. We therefore recommend that banks should fully utilize the benefits provided through electronic banking by ensuring that more ATM terminals are provided in order to reduce crowd. Professionals that can constantly put the machine in order should be emlpoyed and there should be constant money in the machine to enable the banks make more profits and serve the people better at all times. POS should be made available to the users and at a reduced cost without hidden charges to enable people of different categories have access to them. This will help to generate revenue to the banks and reduce their cost of transaction etc.
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van Tonder, Estelle, Daniël J. Petzer, Naomi van Vuuren, and Leon T. De Beer. "Perceived value, relationship quality and positive WOM intention in banking." International Journal of Bank Marketing 36, no. 7 (October 1, 2018): 1347–66. http://dx.doi.org/10.1108/ijbm-08-2017-0171.
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Purpose The purpose of this paper is to explore the proposed relationships between perceived usefulness (a dimension of perceived value), the relationship quality factors (competence trust and continuous commitment) and positive word-of-mouth intentions in an electronic banking setting. Design/methodology/approach A survey was conducted among 511 electronic banking customers. Findings Continuous commitment was found to mediate the relationships between perceived usefulness and competence trust with positive word-of-mouth intention, respectively. Research limitations/implications The results indicate the role of perceived value and relationship quality in contributing to positive word-of-mouth intention. Practical implications The findings could also guide banking institutions in managing their existing electronic banking customers more appropriately and to encourage them to engage in word-of-mouth behaviour that will convince other potential users of the benefits of the service. Originality/value Little is known on a mediated model noting the connection between perceived value, the relationship quality factors competence trust and continuous commitment and positive word-of-mouth intention. The findings provide more insight into the matter and accordingly contribute to the developing body of knowledge on perceived value, relationship quality and behavioural intention and their importance to the stream of research on positive word of mouth.
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Oumar, Timothy K., Eric E. Mang’Unyi, Krishna K. Govender, and Sookdhev Rajkaran. "Exploring the e-CRM – e-customer- e-loyalty nexus: a Kenyan commercial bank case study." Management & Marketing 12, no. 4 (December 20, 2017): 674–96. http://dx.doi.org/10.1515/mmcks-2017-0039.
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Abstract This article scaffolds on customer relationship management (CRM) theory and explores the association between electronic CRM (e-CRM) and electronic customer’s (e-customer) electronic loyalty (e-loyalty) in the banking sector. By using a survey design, data was collected from a convenience sample of customers of a major Kenyan commercial bank, and analysed using structural equation and multiple regression modelling. The findings reveal that there is a positive relationship between e-CRM and e-customers’ loyalty. The e-CRM features at all three stages of an electronic transaction cycle namely, pre-service, during-service and after-service, significantly influence the e-customers’ loyalty in the banking sector. Thus, to capitalize on the range of benefits that emanate from the use of e-CRM, continued review and enhancement of marketing strategies is needed, so as to achieve e-customers’ loyalty particularly, at the post-service stage. Kenyan commercial bank managers should focus on customer satisfaction specifically at post-service stage, to increase their ecustomers’ loyalty.
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Khasawneh, Rawan, and Emad Abu-Shanab. "Electronic Customer Relationship Management (e-CRM) in Jordan." International Journal of Technology Diffusion 3, no. 3 (July 2012): 36–46. http://dx.doi.org/10.4018/jtd.2012070104.
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The continuous and rapid development of information and communication technology (ICT) influenced the operations and services provided by the banking sector. Many financial institutions adopted the “customer is king\queen” strategy by changing their business environment, making use of various types of ICT to their relationship with their customers. One of the major new trends is the concept of e-CRM, which defines an improved relationship with customers utilizing the Internet, web browsers, and other web application. E-CRM is making customer service more effective and efficient. This paper aims to gain a better understanding of the application of e-CRM concept and its benefits to both customers and banks utilizing the case of the Egyptian Arab Land Bank in Jordan.
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Karim, Shakir, Ergun Gide, Raj Sandu, and Abdallah Al Tawara. "Analysing Bangladeshi Consumers’ Satisfaction and Preferences of E-banking Services in Small to Mid-sized Enterprises (SMEs)." Global Journal of Information Technology: Emerging Technologies 8, no. 2 (August 30, 2018): 62–74. http://dx.doi.org/10.18844/gjit.v8i2.3468.
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The acceptance of Internet technologies has newly increased constant and rapidly in the era of information technology. It gives flexibilities to access E-banking systems on demand. Today E-banking is considered as the driver of any nation’s economy and it opens remarkable prospects all over the world. Basically, E-banking plays an ultimate character in supporting financial advancement of any country and provide financial services to the customers electronically. This Research analyses the satisfaction and preferences of E-banking in Bangladesh. It also discusses the success of E-banking in Small to Midsized Enterprise-SMEs of Bangladesh, the current E-banking infrastructure and future organisational plan about it. This Research mainly has used secondary research data and methods to provide a broad scenario of E-banking in Bangladesh, how to overcome the barriers in SMEs of Bangladesh for E-banking adoption. The Research is subject to academic journal articles, project reports, media articles, corporation based documents, Bangladesh Bank publication and other appropriate information. This Research also analyses the data collected from Bangladeshi government and non-government organisations and banking sector. It gathers answers from E-banking experts, IT educators, learners and academics as the respondents’ through interview on the basis of questionnaires which were prepared for this research purpose. Data were also collected by using interviews from Bangladesh E-banking based organizations that are offering their goods and services on electronic channels and professionals involved with E-banking related activities. The study found that E-banking is a platform where a customer performs online banking transaction without visiting a financial institution. E-banking is the influences of the future and it provides massive benefits to consumers regards to online transactions through internet, telephone and other electronic delivery channels. Bank in Bangladesh could use E-banking in order to gain economical advantage. At present, several Private Commercial Banks (PCBs) and Foreign Commercial Banks (FCBs) in Bangladesh offer online services and facilities within the branches of individual bank in the community. It is expected that banking can earn profit and offer better services to its customers by introducing E-banking facility more and more in Bangladesh. As an under developing country, Bangladesh is not fully known about E-banking sector in every area. As a result, this research also highlights the issues and factors related with E-banking e.g. cybercrime and try to discover the probable obstacles and prospects in Bangladesh to make an active solution of Bangladesh’s E-banking.
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Villarejo-Ramos, Ángel F., Begoña Peral-Persal, and Jorge Arenas-Gaitán. "El uso de los servicios online por los mayores: análisis de la banca por Internet / Usage of online services by elderly people: an analysis of internet banking." Aula Abierta 47, no. 1 (January 31, 2018): 97. http://dx.doi.org/10.17811/rifie.47.1.2018.97-106.
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RESUMENEl uso de servicios online por los mayores favorece el envejecimiento activo de esta población. En ese contexto, esta investigación tiene como objetivo analizar las variables que influyen en la aceptación y uso de la banca online, como servicio seleccionado para este segmento de mercado. Las variables analizadas como la influencia personal, el riesgo percibido y las ventajas buscadas son estudiadas sobre una muestra de 396 mayores de 60 años. Los resultados muestran el efecto positivo de los factores personales y los relativos a las ventajas buscadas, mientras que los factores asociados al riesgo juegan un papel inhibidor del uso de la banca electrónica. El modelo estructural fue valorado mediante PLS (Partial Least Squares) con un adecuado ajuste global. Los resultados permiten identificar aquellos factores que pueden favorecer o perjudicar el proceso de aceptación y uso de la banca online en los mayores.Palabras Clave: intención de uso, influencia personal, ventajas económicas, riesgo percibido, banca online.ABSTRACTThe use of online services by the elderly favours the active aging of this population. In this context, this research aims to analyse the variables that influence the acceptance and use of e-banking, as a service selected for relevance among this market segment. The variables analysed, such as social influence, perceived risk and the expected benefits, are tested on a sample of 396 people over 60 years of age. The results show the positive effect of personal factors and those related to the economic benefits, while factors associated with risk play an inhibiting role in the use of the electronic banking. The structural model was evaluated using PLS (Partial Least Squares) with an adequate global fit. The results allow identifying those factors that may favour or harm the process of acceptance and use of e-banking in the elderly.Keywords: intention behaviour, social influences, economic benefits, perceived risk, e- banking.
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Faisal Efendi, Fajar Siddiq, Asmawarna Sinaga, Anjur Perkasa Alam,. "Penggunaan Fasilitas E-Banking Dalam Minat Nasabah Studi Kasus Pada PT. BRI Syariah Kantor Cabang Pembantu Stabat." Journal Economy and Currency Study (JECS) 3, no. 2 (October 3, 2021): 10–23. http://dx.doi.org/10.51178/jecs.v3i2.270.
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This study proposes a qualitative analysis of the use of E-Banking Facilities in the Interests of Customers. Case Study at PT. BRI Syariah Stabat Sub-Branch Office with a focus on the problem, namely what are the e-banking channels available at PT. BRI Syariah Stabat Sub-Branch Office, what are the benefits for customers using the e-banking channel facilities available at PT. BRI Syariah Stabat Sub-Branch Office, and what are the obstacles in e-banking channel services found at PT. BRI Syariah Stabat Sub-Branch Office. This type of research is a field research (field research) which is a case study using a descriptive qualitative approach and the process of inferring research results by inductive thinking, the method used is a qualitative method, namely a research strategy that uses more and collects in-depth information on the phenomenon being studied. researched. This analysis is carried out by examining and examining in depth the data obtained, in order to obtain conclusions that can be accounted for in scientific studies. Based on the results of research in the field, it is known that the Electronic Banking channels at PT. BRI Syariah Stabat Sub-Branch Offices are BRIS e-banking, smsBRIS, mobile BRIS, CMS BRIS (Cash Management System), BRIS e-form and BRIS Laku Pandai. The advantages received by customers in using BRIS e-banking are banking transaction service facilities through the internet network that can be accessed for 24 hours, BRIS SMS makes it easy for customers to top up credit, pay bills, transfers to pay Zakat, Infaq and Shodaqah, Mobile BRIS allows Customers obtain banking information using their cellphones, the BRIS CMS (Cash Management System) facilitates electronic services that provide services in the form of customer financial transactions, the BRIS e-form makes it easy to open a Faedah Savings account at BRI sharia through online, Laku Pandai BRIS facilitates banking and/or services other financial services that are carried out not through office networks, but through collaboration with other parties and need to be supported by the use of information technology facilities. The obstacles that occur to customers in the use of Electronic Banking facilities at PT. BRISyariah Stabat Sub-Branch Office, namely the customer's ability to use technology due to the lack of public knowledge about e-banking facilities and the sometimes unsupportive network also makes it difficult for customers in some areas to access networks such as in rural areas, causing customers to still choose transact by visiting the branch office
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Vitale, John, Reed Brooks, Michael Sovocool, and W. Rae Rader. "Value-Added Benefits and Utilization of Pathologists' Assistants." Archives of Pathology & Laboratory Medicine 136, no. 12 (December 1, 2012): 1565–70. http://dx.doi.org/10.5858/arpa.2011-0629-oa.
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Context.—The role of pathologists' assistants (PAs) in terms of surgical and autopsy prosection has been well established; however, the role of PAs in areas beyond surgical and autopsy pathology, such as laboratory administration and management, education, and research, is not so well understood. Objective.—To determine the scope and extent of ancillary duties (value-added benefits) performed by PAs. Design.—A self-administered, electronic survey was disseminated to all members of the American Association of Pathologists' Assistants with fellowship status to analyze the ancillary duties PAs provide in laboratory administration and management, education, and research. Results.—Respondents were from 44 states and most had 6 or more years of experience in various work settings: community hospitals (50%), academic hospitals (30%), private pathology laboratories (15%), and “other” settings (5%). Most were involved in quality assurance programs (64.0%), laboratory accreditation inspections (56.2%), and a large percentage (44.4%) also had direct supervisory experience. Roughly 36% of respondents reported training residents in prosection skills in a clinical setting, while a small percentage reported teaching for-credit courses in a classroom setting (4.9%). The primary research responsibility was fresh tissue procurement for tumor banking (52.7%). Conclusions.—Pathologists' assistants currently are involved in ancillary duties beyond surgical and autopsy prosection. Our findings indicate that PAs have a desire to become more involved in these duties, and there is opportunity for pathologists to benefit further by using PAs to the full extent of their knowledge, skills, and interests.
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AL-TAMMIMY, Hanaa Mohammed Hossein. "NUMERAL FINANCE IN ISLAMIC JURISPRUDENCE ." International Journal of Humanities and Educational Research 03, no. 05 (October 1, 2021): 406–15. http://dx.doi.org/10.47832/2757-5403.5-3.34.
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The purposes of Islamic Shari are to bring utilities and benefits and also to avoid depravation.This sharia is very suitable for human instinct ; it is valid for every place and time. Our respectable jurists said that non of difficulties hasn't a rule in our god's book so we have to be aware of the rules and judgments' of those troubles and what is expected to happen. In this research, in God's willing, we declare the jurisprudent regionalization (adaptation) of electronic digital money (system of transferring electronic money) and what is related to this system of jurisprudent restrains because the electronic money is people's needs which contributes in accomplish their finance dealings by great quickness to transfer their money with reducing its expenses that the finance dealing is considered as a practical life nerve that pours in individual's controlled benefits which doesn't contradict with Islamic sharia goals and principles. So, it is important to know the jurisprudent terms and to evaluate economic and banking work that is included in principles of Islamic sharia, according to jurisprudent rules connected with Islamic banks work. Keywords: The purposes of Islamic Shari, Islamic jurisprudence, Numeral Finance.
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Aderemi Adeyemo, Kingsley, David Isiavwe, Dorcas Adetula, Olusanmi Olamide, and Owolabi Folashade. "Mandatory adoption of the Central Bank of Nigeria’s cashless and e-payment policy: implications for bank customers." Banks and Bank Systems 15, no. 2 (July 3, 2020): 243–53. http://dx.doi.org/10.21511/bbs.15(2).2020.21.
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This study seeks to uncover the projected gains and challenges of a cashless and e-payment policy in Nigeria, with particular emphasis on the wellbeing of bank clients, and to examine the extent to which the promised benefits of the policy were realized eight years down the line of implementation. Researchers provided copies of a research questionnaire to selected bankers and bank customers in Ogun and Lagos states of Nigeria to find perceptions of the two stakeholder groups regarding the subject matter. Three hypotheses formulated were tested using ANOVA. The paper reveals that the cashless banking initiative in Nigeria has significantly enhanced bank customer satisfaction; the implementation of the cashless banking structure in Nigeria has not led to a significant reduction in the level of cash fraud in Nigerian banks; and the adoption of a cashless economy practice in Nigeria has significantly improved the management of bank customer funds in terms of spending and saving. The paper, in particular, recommends that bank regulators constantly and widely cooperate with all key stakeholders in the system in the fight against cybercrime. This will make the electronic space safe and reliable for use in doing banking in Nigeria and beyond. Acknowledgment The authors wish to acknowledge Covenant University for its financial support during the work on this paper.
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Tuyisenge, Mediatrice, and Dr Claude Rusibana, PhD. "Contribution of Financial Services Quality on Financial Performance of Banking Sector in Rwanda: A Case of Bank of Kigali Limited (BK)." Journal of Finance and Accounting 5, no. 3 (October 23, 2021): 94–110. http://dx.doi.org/10.53819/810181025023.
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The study examined the contribution of financial services quality on financial performance of banking sector taking Bank of Kigali (BK), Rwanda. Specifically, this study assessed the effects of saving quality on financial performance of Bank of Kigali Limited-Rwanda, ascertained effects of loan quality on the financial performance of Bank of Kigali Limited-Rwanda and analyzed effects of e-banking service quality on financial performance of Bank of Kigali Limited-Rwanda. The research used a cross-sectional design using both qualitative and quantitative approaches. The study target population was 320 staff members and clients of the bank of Kigali operating in the City of Kigali. The sample size was 178 respondents determined using the Slovene formula. Simple random sampling technique was used for sample selection. The findings revealed there is positive relationship between saving services quality and the financial performance of the bank of Kigali as indicated saving service quality and market share (r=.759, p =.000), increase return on investment (r=.401, p= .000); increase earnings per share (.702**; p=.000) increase customer retention (r=.708**, p=.000). It was concluded that saving service quality can explains 72.7% of the variations in financial performance and that improvement in saving service quality by one unit leads to an increase of financial performance by 0.557 units in the Bank of Kigali. Further, it was concluded that majority of the respondents appreciated the quality of loan services provided at the bank of Kigali, and that there is a strong positive relationship between loan services quality and financial performance as indicated by loan service quality and return on investment (r=.631; p=.000); earnings per share; (r= .528*, p=.000) and customer retention (r=.644*; p=.045), it was also conclude that the combined effect of the loan service quality explains 55.3% of the financial performance of the Bank of Kigali, and that increase in quality of loan provided at the BK by one unit lead to the improve 0.194 unit on the financial performance of the Bank of Kigali. It was established there is strong positive relationship between e-banking services quality and market share increase (r=.694; p=.000); return on investment (r=.729; p=.000), earnings per share (r=.121; p=.008), and that the combined effects of e-banking service quality explain 75.3% of the variations on financial performance of the Bank of Kigali. The study recommended that other commercial banks should put more emphasis on electronic banking in order to perform well. More features of electronic banking should be introduced in commercial banks to attract more customers and perform well. The government of the republic of Rwanda through the national bank of Rwanda should help commercial banks by training their staff and clients on the benefits of electronic banking. Keywords: Saving quality, loan quality, banking service quality, financial performance, Bank of Kigali-Limited, Rwanda.
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Shetty, Ankitha, and Savitha Basri. "Relationship orientation in banking and insurance services – a review of the evidence." Journal of Indian Business Research 10, no. 3 (August 20, 2018): 237–55. http://dx.doi.org/10.1108/jibr-10-2017-0176.
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Purpose This study aims to review the published empirical research on relationship orientation in banking and insurance services. The objective of the study is to understand whether a strong customer–sales representative relationship contributes to sales effectiveness and to know the significance of relational behaviors in developing and maintaining long-term relationship. Design/methodology/approach Through Boolean search, a systematic review with narrative synthesis was conducted. Relevant electronic bibliographic databases and reference lists of pertinent review articles were searched. Screening and eligibility of articles were based on participants, interventions, comparisons, outcomes (PICO) model and PRISMA (Preferred Reporting Items for Systematic reviews) guidelines. Findings A total of 22 papers were finalized for the study, and results reveal that customer orientation behavior and adaptive selling behavior of sales representatives improve relationship quality, culminating in higher customer satisfaction, enhanced loyalty and escalated commitment, whereas selling orientation diminishes the relationship quality. The attributes of sales person especially contact intensity, contact frequency and client knowledge augment sales effectiveness and longstanding relationship with the customers. Practical implications This paper would provide valuable insights for financial sales representatives, academicians and practitioners of relationship marketing in the area of banking and insurance services. Personalization and customizations are important aspects of the provision of social benefits that strengthen competitive advantage. Originality/value Although the relevance of relationship marketing has been acknowledged, the conceptual base of relationship orientation in banking and insurance services has received only limited attention.
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Ahmed, Amanj Mohamed. "Consumer Behavior toward the Use of Credit Cards: The Empirical Evidence from Iraq." Shirkah: Journal of Economics and Business 5, no. 1 (April 30, 2020): 53. http://dx.doi.org/10.22515/shirkah.v5i1.303.
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Credit card is a payment tool in the modern world and it is being called the plastic money. In Iraq and especially in Kurdistan region, the credit card utilization now is appealing to be more attractive. To address this issue, the present study sheds some light on the impact of credit cards on the consumer behavior and the benefits of credit cards for people of Kurdistan, Iraq. The data were obtained from 40 participants consisting of academicians in the related field, managers of banks, and credit card users by means of questionnaires. A range of variables that agreed to demographic information, such as level of education, gender, and income, were also considered. Drawing on chi-square and modeling analysis, the results portrayed a positive relationship between the costumer information and their behavior in using credit cards. The results of this study further suggest that since people in Kurdistan region of Iraq would like to apply credit cards in all aspects of life, the financial institutions should provide accessible information and valuable services. All in all, from this study it is implied that the “plastic money” makes a revolution in banking industry across the world and nowadays electronic banking becomes familiar to the world.
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Mafruh, Muhamad Hasan, Muhammad Iqbal Fasa, and Ahmad Kumedi Ja'far. "Penyelesaian Sengketa Ekonomi Syariah di Pengadilan Agama pada Masa Pandemi Covid-19." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 4, no. 2 (November 24, 2021): 542–56. http://dx.doi.org/10.47467/alkharaj.v4i2.697.
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The authority to adjudicate sharia economic disputes has absolutely become the authority of the Religious Courts since the issuance of Law No. 3/2006 concerning Amendments to Law No. 7/1989 concerning Religious Courts and strengthened by Law No. 21/2008 concerning Sharia Banking and the Constitutional Court Decision No. 93/PUU-X/2012. Every year, Islamic economic transactions always increase, even though during the pandemic, Islamic banking in Indonesia grows positively. However, the higher and increasing sharia economic transactions in Indonesia, the more disputes that occur. During the current covid-19 pandemic, the government has issued regulations regarding restrictions ranging from PSBB to PPKM. The purpose of this research is to encourage the emergence of sharia economic dispute resolution innovations, especially in the Judiciary during the Covid-19 pandemic without having to violate the Health protocol. This study uses a qualitative descriptive study, which uses literature studies quoted from books and regulations, both laws and other regulations, as well as direct research into the field to see the realities on the ground related to the settlement of sharia economic disputes during the pandemic. The results in this study indicate that the Supreme Court responds quickly to the rules and policies issued by the government by launching an e-court application and investigation (electronic trial). There are many benefits and conveniences that are felt by people seeking justice, especially parties in sharia economic disputes. However, there are still some obstacles experienced by the Religious Courts and justice seekers in electronic proceedings.
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Prokopowicz, Dariusz, and Mirosław Matosek. "IMPORTANCE AND SECURITY OF INFORMATION PROVIDED BY THE INTERNET IN THE CONTEXT OF THE DEVELOPMENT OF ECONOMIC ENTITIES IN POLAND." International Journal of New Economics and Social Sciences 6, no. 2 (December 22, 2017): 0. http://dx.doi.org/10.5604/01.3001.0010.7637.
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With the development of information-sharing techniques via the Internet, there are many benefits for beneficiaries, customers and users of public sector information services. On the other hand, entities providing electronic information via the Internet appear to be able to significantly reduce transaction costs of conducted financial transactions and electronic data transfer. On the other hand, the process of making information available via the Internet generates a number of risks associated with identity theft, hacker hacking of classified data, and money scams in electronic banking systems. In response to these threats, individual entities including public sector bodies are developing security systems for remote access to information and transactions made via the Internet. Companies operating in Poland in pursuit of market and business success try to build their competitive advantage by implementing new IT solutions to their business. More and more companies and financial institutions use business intelligence on their IT platforms for Business Intelligence solutions. Business Intelligence analysis makes it easy for realtors to perform real-time analysis of large collections of businessrelated data. Consequently, the opinion that Business Intelligence solutions are becoming more and more useful in organizational management processes.
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Wulandari, Indah Retno, and Sumadi Sumadi. "ANALYSIS OF BEHAVIOR USING E-MONEY WITH A TAM APPROACH (TECHNOLOGY ACCEPTANCE MODEL)." Manajemen Bisnis 10, no. 1 (July 20, 2020): 24. http://dx.doi.org/10.22219/jmb.v10i1.10861.
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E-money is a non-cash electronic payment instrument that is currently growing rapidly in Indonesia. Based on Bank Indonesia data, there are already 39 banking and non-bank companies that have obtained permits to issue e-money products. This study aims to determine and analyze perceptions of the benefits of attitudes, perceptions of ease of attitudes, levels of trust in interests, attitudes affect interests, and interests influence behavior using E-Money.The population in this study were all e-money users in the Java Island region. Samples taken in this study are some e-money users in the Java Island region, amounting to 200 respondents. Sampling using non-probability techniques with convenience sampling method and research models were analyzed using Structural Equation Model (SEM), using the help of AMOS software.The results of this study indicate that the perception of benefits has a significant positive effect on attitude, the perception of ease has a significant positive effect on attitude, the level of trust has a significant positive effect on interest, attitude has a significant positive effect on interest and interest has a significant positive effect on behavior using e-money.
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Tian, Kun, Xintian Zhuang, and Beibei Yu. "The Incentive and Supervision Mechanism of Banks on Third-Party B2B Platforms in Online Supply Chain Finance Using Big Data." Mobile Information Systems 2021 (May 18, 2021): 1–16. http://dx.doi.org/10.1155/2021/9943719.
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The incentive and supervision design of cooperation between banks and B2B platforms was studied under the electronic warehouse receipt pledge financing model. Under the assumptions of B2B platform risk, neutrality, and risk aversion, a principal-agent model for cooperation was established between banks and B2B platforms. Its purpose was to expand and compare the models by adding supervision variables. It also helps to analyze the effects of risk aversion coefficients on effort level, fixed payment, incentive coefficients, and the impact of bank income. This paper has analyzed the banking system’s incentives and supervision mechanisms by performing numerical analysis on big data. We have used MATLAB for numerical analysis. The results show that banks’ expected benefits when cooperating with risk-neutral B2B platforms are always greater than the expected benefits obtained when cooperating with risk-averse B2B platforms. But when banks act, the increase in profits exceeds the cost of regulatory measures. Besides, when the bank takes supervisory measures, the profit will be greater than the profit without supervisory measures. Hence, the B2B platform’s ability to recover losses is positively correlated with the bank’s expected utility. The cost coefficient of the B2B platform is negatively correlated with the bank’s expected utility. The risk aversion degree does not affect the optimal effort level of the B2B platform, but it affects the optimal fixed payment and the optimal incentive coefficient.
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Sidauruk, Sumangat Salomo, July Esther, and Herlina Manullang. "KEBIJAKAN HUKUM PIDANA SEBAGAI UPAYA MEMINIMALISIR TINDAK PIDANA BULLYING DI MEDIA ELEKTRONIK." NOMMENSEN JOURNAL OF LEGAL OPINION 2, no. 02 (July 30, 2021): 232–41. http://dx.doi.org/10.51622/njlo.v2i02.390.
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The need for technology today is increasing and continues to be developed in order to make it easier for humans to carry out their daily activities, because apart from being a medium for providing information, through the Internet, commercial community activities will also become the largest and fastest growing part and can penetrate various national borders. In fact, the existence of some types of business is impossible without this network, market activities in the world can be known for 24 (twenty four) hours. But in reality what is happening today, the development of this era is like a double-edged sword because for the positive we all have to be grateful for it because there are many benefits and conveniences obtained from this technology, for example we can do banking transactions anytime with e-banking, e-commerce It also makes it easy for us to buy or sell an item without knowing the place. In addition, we can find references or information about science is not difficult with the e-library and many more conveniences obtained with the development of the internet. Whereas in a negative nature, the use of this information technology has influenced every attitude and behavior of members of the community, even as a result has also formed a new world society that is no longer hindered by the territorial boundaries of a country to become a "mayantara world" (a world without boundary) or “virtual reality”. The author's purpose in this study is to find out about criminal law policies against bullying in electronic media at this time in Indonesia and criminal law policies in the future as an effort to minimize bullying in electronic media. The current criminal law policy regarding bullying in electronic media in Indonesia is identified with the Criminal Code, and lastly on November 25, 2016, Indonesia has issued Law No. 19 of 2016 concerning amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions involve several articles relating to the form of bullying in electronic media. If we look closely at the laws and regulations in Indonesia, there are still many weaknesses in the criminal provisions regulated in the Criminal Code and the ITE Law to reach the crime of bullying in electronic media. Criminal law policies as an effort to minimize bullying in electronic media can be found in the Draft Criminal Code and comparative studies with other countries on bullying, so that with the establishment of a new Criminal Code and make comparisons from other countries as an effort to minimize bullying in electronic media so as not to jump from year to year in order to see the cheerfulness of Indonesian children.
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Pahuja, Anurag, and Saloni Chitkara. "Perceptual Exploration of Factors and Issues Affecting Adoption of E-Insurance." Case Studies in Business and Management 3, no. 1 (June 16, 2016): 99. http://dx.doi.org/10.5296/csbm.v3i1.9623.
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In this ever evolving competitive environment, technology is making its foray into lives of individuals by helping them get the work done at the click of a mouse only. And the financial services industry is no exception. E-banking has already been accepted and adopted by the younger generation and those having access to internet. Another application of E-Commerce in Insurance sector i.e., E-insurance involves keeping all or any of the insurance policies in electronic mode by the policy holders, where in everything including the request, proposal, contract and negotiation is performed on-line. Despite its proclaimed benefits, there are very few users availing this service. The present study is an attempt to explore the users’ perception towards E-insurance and their awareness of the concept. Using a sample size of 189 respondents based on convenience sampling, it further tries to investigate the factors affecting the adoption of E-insurance in India. Also, the study aims at finding out the potential issues and challenges associated with the usage of e-insurance.
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Elinzano, Gerand Boy O., and Michelle Renee D. Ching. "Factors that leads to Adoption and Use of Online Bank Account Opening through e-KYC using UTAUT and its Extensions." RSF Conference Series: Engineering and Technology 2, no. 1 (April 22, 2022): 85–94. http://dx.doi.org/10.31098/cset.v2i1.508.
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Financial Inclusion has been determined as one of the factors affecting national development. Bank account opening provides opportunity to more banking services and as such central banks have been supporting the use of Electronic-Know-Your-Customer (e-KYC) even before COVID-19 pandemic. While the benefits of e-KYC for the banks and its customers are clear, the widespread use of such process for account opening is still in its early adoption stage. This research employed a quantitative method by adopting the Unified Theory of Acceptance and Use of Technology as as theoretical foundation and extension constructs and determined the factors affecting the use and adoption of e-KYC for online bank account opening. As a result, facilitating conditions and perceived security were found to be significant factors affecting the intension to use e-KYC. Through this research, it was able to validate the use of the research model in studying e-KYC adoption and provided management key areas leading to e-KYC use that they may focus on.
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Arnomo, Sasa Ani, and Yuli Siyamto. "PELATIHAN PEMANFAATAN TEKNOLOGI INFORMASI PADA MASYARAKAT DI KELURAHAN BELAKANG PADANG KECAMATAN BELAKANG PADANG KOTA BATAM." PUAN INDONESIA 2, no. 2 (January 19, 2021): 103–12. http://dx.doi.org/10.37296/jpi.v2i2.34.
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The influence of globalization with the support of information technology is a double-edged sword. on the one hand, we cannot deny the benefits and threats it brings on the other. Thus, these benefits are also called positive effects and threats are called negative effects. The positive influence that can be felt by Information Technology is an increase in speed, accuracy and convenience. It provides efficiency in various fields, especially in terms of time, energy and costs. For example, the manifestation of Information Technology that is easily seen around us is email where sending a letter only takes a short time. Information technology is also utilized in the field of economic activities such as E-banking, E-commerce, e-shopping and many more. Meanwhile, the negative impact that may arise as a result of information technology is pornography, while the economic aspect of globalization is the opening of free markets that allow foreign products to enter easily. The large number of foreign products and the addition of relatively cheaper prices can reduce the attractiveness of domestic products. This is a big challenge for SMEs in business competition. Financial fraud and embezzlement through electronic media are also rife so it is necessary to learn how to do business online. With this background, there is a need for guidance on how to deal with developments in information technology. As many as 93% of the responses from the community stated that they were very good and useful.
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Șimandan, Radu, and Cristian Păun. "The Costs and Trade-Offs of Green Central Banking: A Framework for Analysis." Energies 14, no. 16 (August 21, 2021): 5168. http://dx.doi.org/10.3390/en14165168.
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The participation of central banks in the fight against climate change has recently been advanced in several academic articles and policy papers. Since the emerging consensus is that climate change poses financial risks, the envisaged green central banking has a responsibility to address environmental sustainability as a means of promoting financial stability—an increasingly accepted goal of central banks in the post-financial crisis world. Thus far, the pro side of the argument is well represented in the literature, though often the benefits remain implicit: with the help of central banks via monetary and macroprudential policies, a smooth transition to a low-carbon economy would be somehow beneficial to all of us. With this article, we aim to add to this literature by looking at the costs and trade-offs of this course of action in light of the observation that the con side of the proposal has been only marginally addressed. We put forward a framework for the analysis of the costs and trade-offs of green central banking and exemplify the applicability of this framework by studying three cases of central banks for which the transition to green operation has been advanced. We find evidence that if costs and trade-offs are taken into account, the case in favor of greening central banks becomes less straightforward than is currently conveyed in the literature.
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Ibukun, Fatogun Olukunle, and Ajao Chukwudumebi Cynthia. "A Cashless Policy and Economic Development in Nigeria." Randwick International of Social Science Journal 1, no. 2 (August 1, 2020): 53–59. http://dx.doi.org/10.47175/rissj.v1i2.45.
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A cashless economy is an environment in which money is spent without being physically carried from one place to another. It is meant to be an economic setting where services and goods are paid for via electronic which includes credit cards, bank transfer and Cheques, with no bill or money handed from one person to another. The cashless policy was introduced in January 2012, the robust interest which the policy has generated is surprising considering the effects on the business environment and particularly lives of ordinary Nigerians. The study showed that cashless policy reduces the movement of cash through usage of ATM, fund transfer, mobile banking. It helps financial transactions to be done without delay, it reduces money laundering. The study indicated that there is a very weak positive relationship between cash movement, joint effect of delivery of financial transactions and cashless policy (R= 0.245) and the model is not significant. However, for the relationship between internet availability, cashless policy and cash movement, the relationship between cash movement, the joint effect of internet availability and cashless policy is also weak ( R = 0.295 ). The model is also significant. The policy is faced with challenges ranging from erratic power supply, electronic fraud, lack of adequate sensitization, poor internet services, high rate of illiteracy and computerization. The benefits include but not limited to reduction in revenue leakages, it helps to reduce cash related crimes, the cost of handling cash is reduced to the barest minimum
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Jesse Nakhumwa, Ndubi. "Adoption of E-commerce Payment Systems by Commercial Banks in Kenya." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 9, no. 2 (April 30, 2014): 1600–1622. http://dx.doi.org/10.24297/ijmit.v9i2.2853.
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E-commerce, which is combination of traditional commerce and Internet, has brought dramatic changes of the way business transactions are conducted prompting banks, as the intermediary financial instruments, to adopt and adapt electronic payment systems (EPS). These e-payment systems which include debit and credit cards, electronic fund transfer, mobile payments platforms and internet banking are already in use in Kenya market. Importantly to note is the fact that electornic payment instruments are not used with equal intensity even in developed countries due to various reasons. The research thus is focused on identifying key drivers for adoption of EPS in Kenya market by banks.The researcher identified major variables affecting adoption of EPS which included security status, perceived level of trust, infrastructure capability to handle the system, marginal cost reduction and perceived associated benefits. A descriptive census survey of all the 43 banks was then done through a structured questionnaire. With a id of technology acceptance model and DeLone & McLean Information System Success model, the data collected was empirically analysed and results presented.With different intensity, the findings of the study revealed that many banks in Kenya are implementing EPS platforms. The driving forces for the adoption are the factors identified in the conceptual framework of this study. Bank respondents successfully did the rating of these factors. Therefore, the study recommends for a concerted effort amongst EPS key players to streamline operations in their area of concern. They should establish policies and legal framework good for electronic transactions as well as building sound telecommunication infrastructure countrywide. Again, this study is just but a stepping-stone to a better analysis that will unlock the potential of e-payment systems. The researcher encourages both academicians and practitioners to critique the study findings.
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Widyandri, Dahayu Bethari, and Nisful Laila. "ANALISIS PENGARUH MOBILE BANKING DAN KEUANGAN INKLUSIF TERHADAP KINERJA KEUANGAN BANK SYARIAH DI INDONESIA PERIODE 2014-2019." Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 1 (January 30, 2022): 14. http://dx.doi.org/10.20473/vol9iss20221pp14-24.
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ABSTRAKDigitalisasi perbankan dilakukan demi pemanfaatan teknologi sehingga melahirkan mobile banking yang dapat memperluas jangkauan layanan keuangan dan Inklusi keuangan menjadi penting untuk menunjukan seberapa besar jasa layanan keuangan yang telah dipakai dan digunakan oleh masyarakat. Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh mobile banking dan keuangan inklusif terhadap kinerja keuangan bank Syariah di Indonesia. Penelitian ini memakai 11 sampel Bank Umum Syariah dan diuji menggunakan Regresi Data Panel dengan variable independent keuangan inklusi yang diukur dengan ROA, ROE, dan BOPO. Hasilnya didapatkan bahwa mobile banking berpengaruh terhadap kinerja keuangan bank Syariah dan keuangan inklusi berpengaruh terhadap kinerja keuangan yang di proksikan dengan Dana Pihak ketiga dan Jaringan kantor namun Pembiayaan tidak berpengaruh terhadap kinerja keuangan. Bagi Regulator, agar menedukasi atau memberikan penyuluhan tentang literasi dan inklusi keuangan untuk masyarakat Indonesia agar masyarakat merasakan manfaat dari layanan keuangan perbankan. Bagi bank umum Syariah, agar memperluas jaringan mobile banking secara maksimal sehingga dapat meningkatkan kinerja keuangan bank Syariah di Indonesia dan menjadi pertimbangan bagi para manajemen untuk melakukan investasi di mobile banking untuk meningkatkan profitabilitas bank Syariah secara jangka Panjang. Kata Kunci: Mobile Banking, Keuangan Inklusi, Kinerja Keuangan. ABSTRACTDigitalization of banking is done for the use of technology so as to give birth to mobile banking that can expand the reach of financial services and financial inclusion becomes important to show how much financial services have been used and used by the public. This study aims to test and analyze the influence of mobile banking and inclusive finance on the financial performance of Sharia banks in Indonesia. This study used 11 samples of Sharia Commercial Banks and tested using Regression Data Panel with independent financial inclusion variables as measured by ROA, ROE, and BOPO. The result was obtained that mobile banking affects the financial performance of Sharia banks and financial inclusion affects the financial performance proxies with third party funds and office networks but financing has no effect on financial performance. For regulators, in order to educate or provide counseling on financial literacy and inclusion for the people of Indonesia so that the public can feel the benefits of banking financial services. For Sharia commercial banks, in order to expand the mobile banking network to the maximum so as to improve the financial performance of Sharia banks in Indonesia and be a consideration for management to invest in mobile banking to improve the profitability of Sharia banks in the long term. Keywords: Mobile Banking, Financial Inclusion, Bank Performance. 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International Journal of Islamic Economics and Finance (IJIEF), 2(1), 73–108. https://doi.org/10.18196/ijief.2116Ali, M. M., Devi, A., Furqani, H., & Hamzah, H. (2020). Islamic financial inclusion determinants in Indonesia: an ANP approach. International Journal of Islamic and Middle Eastern Finance and Management, 13(4), 727–747. https://doi.org/10.1108/IMEFM-01-2019-0007Azwar, A. A. (2017). Analisis empiris inklusifitas keuangan syariah di Indonesia. Jurnal BPPK: Badan Pendidikan Dan Pelatihan Keuangan, 10(1), 1–21. https://doi.org/10.48108/jurnalbppk.v10i1.21Brigham, E. F. dan J. F. H. (2001). Manajemen keuangan. Jakarta: Erlangga.Buse, S., & Buse, S. (2007). Mobile Services in Banking Sector: The Role of Innovative Business Solutions in Generating Competitive Advantage. Proceedings of the International Research Conference on Quality, Innovation and Knowledge Management, 886-894.Chatterjee, A. (2020). Financial inclusion, information and communication technology diffusion, and economic growth: a panel data analysis. Information Technology for Development, 26(3), 607–635. https://doi.org/10.1080/02681102.2020.1734770Del Gaudio, B. L., Porzio, C., Sampagnaro, G., & Verdoliva, V. (2020). How do mobile, internet and ICT diffusion affect the banking industry? An empirical analysis. European Management Journal, 39(3), 327-332. https://doi.org/10.1016/j.emj.2020.07.003Deyoung, R., Lang, W. W., & Nolle, D. L. (2007). How the Internet affects output and performance at community banks. Journal of Banking & Finance, 31(4), 1033–1060. https://doi.org/10.1016/j.jbankfin.2006.10.003Mastuti, D. F. A., & Indriyani, F. (2021). Peran mobile banking dan keuangan inklusi terhadap peningkatan profitabilitas perbankan syariah di indonesia. Bulletin of Management & Business, 2(1), 25–37.Global Findex. (2018). The little data book on financial inclusion 2018. Washington DC: Worldbank.Hajhashem, M., & Khorasani, A. (2015). Demystifying the dynamic of disruptive innovations in markets with complex adoption networks: From encroachment to disruption. International Journal of Innovation and Technology Management, 12(5), 1–22. https://doi.org/10.1142/S0219877015500224Hanivan, H., & Nasrudin, N. (2019). A financial inclusion index for Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 22(3), 351–366. https://doi.org/10.21098/bemp.v22i3.1056Harelimana, J. B. (2018). Impact of mobile banking on financial performance of Unguka microfinance bank Ltd, Rwanda. Journal of Harmonized Research in Management, 4(1), 26. https://doi.org/10.30876/johr.4.1.2018.26-40Hernando, I., & Nieto, M. J. (2006). Is the Internet delivery channel changing banks’ performance ? The case of Spanish banks. Journal of Banking & Finance, 31(4), 1083-1099. https://doi.org/10.1016/j.jbankfin.2006.10.011Hidayati, A. N. (2016). Pengaruh inflasi, bi rate dan kurs terhadap profitabilitas bank syariah di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 1(1), 72-97. https://doi.org/10.21274/an.2014.1.1.72-9746.Kara, M. (2008). Konstribusi pembiayaan perbankan syariah terhadap pengembangan usaha mikro, kecil, dan menengah. Ahkam: Jurnal Ilmu Syariah, 13(2), 315–322.Karjaluoto, H., Hepola, J., & Lepp, M. (2020). Is it all about consumer engagement ? Explaining continuance intention for utilitarian and hedonic service consumption. Journal of Retailing and Consumer Services, 57(April). https://doi.org/10.1016/j.jretconser.2020.102232Lashitew, A. A., van Tulder, R., & Liasse, Y. (2019). Mobile phones for financial inclusion: What explains the diffusion of mobile money innovations? Research Policy, 48(5), 1201–1215. https://doi.org/10.1016/j.respol.2018.12.010Laukkanen, T., Sinkkonen, S., Kivijärvi, M., & Laukkanen, P. (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419–427. https://doi.org/10.1108/07363760710834834Margaretha, F. (2015). Dampak electronic banking. Jurnal Keuangan Dan Perbankan, 19(3), 514–524.Nila, J., & Mustika, Noor Mifrahi Achmad, T. (2017). Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia. Jurnal Ekonomi dan Keuangan Islam, 3(1). https://doi.org/10.20885/jeki.vol3.iss1/art5Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion: Is it a boon for savings mobilization? Review of Development Finance, 7(1), 29–35. https://doi.org/10.1016/j.rdf.2017.01.001Reuters, T. and D. (2018). Your gateway into the Islamic economy. An Inclusive, Ethica, Economy,Global Islamic Economy Report 2018/19. http://www.gifr.net/gifr2013/ch_13.PDFSarah, H. (2013). Dampak branchless banking terhadap kinerja keuangan PT Bank Muamalat Indonesia. Al-Muzara'ah, 3(2), 136-157. https://doi.org/10.29244/jam.3.2.136-157Sarma, M. (2015). Measuring financial inclusion. Economics Bulletin, 35(1), 604–611.Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105Siddik, N. A., Sun, G., Kabiraj, S., Shanmugan, J., & Yanjuan, C. (2016). Impacts of e-banking on performance of banks in a developing economy: Empirical evidence from Bangladesh. 17(6), 1066–1080. https://doi.org/10.3846/16111699.2015.1068219Sinambela, E., & Rohani. (2017). Pengaruh penyediaan layanan internet banking terhadap kinerja keuangan perbankan di Bursa Efek Indonesia. Forum Keuangan Dan Bisnis Indonesia (FKBI), 6, 87–94. http://fkbi.akuntansi.upi.edu/Umar, A. I. (2017). Index of Syariah Financial Inclusion in Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 20(1), 99–126. https://doi.org/10.21098/bemp.v20i1.726Vo, D. H., Nguyen, N. T., & Thi-Hong Van, L. (2020). Financial inclusion and stability in the Asian region using bank-level data. Borsa Istanbul Review. https://doi.org/10.1016/j.bir.2020.06.003World Bank. (2018). World bank report 2018. Washington DC: World Bank.
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Henry Matey, Akwetey, Wolali Ametepe, Isaac Asampana, and Lucas College. "Analysis of The Effects of Information System On Service Delivery At DVLA." International Journal of Engineering Technology and Sciences 4, no. 2 (December 29, 2017): 92–103. http://dx.doi.org/10.15282/ijets.8.2017.1.8.1083.
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An Information System (IS) offers various benefits in managing transactions between an organization and its customers. Lack of Information system purely oriented to customer satisfaction leads to long waiting lines by customers in service delivery. It will influence negatively on-expected revenue and profit to various establishments in the long term. With recent trends in specific IS applications, expectations are that if waiting lines are not eliminated, perhaps may be reduce drastically in service delivery. Several steps were taken in putting measures in place by expanding facilities, providing timely and periodic maintenance, yet waiting lines are observed in places like; Bank Automated Teller Machine(ATM) (as an extended banking services), Electricity Company pay points, Clinics and Hospitals etc. These reviews seek to focus on Driver and Vehicle Licensing Authority (DVLA) in Ghana since long waiting line is much associated with their service delivery. Using Convenience sampling technique, questionnaires were administered in eliciting data from staff and clients of DVLA. Final data was analyzed using Statistical Package for Social Science (SPSS); with the support of Microsoft Excel 2010 in depicting the results in frequency tables, percentages, charts etc. The trends in the results show evidently that even though Information Systems was used in the services delivery process; there are prevailing waiting lines, which were observed. It was also established that services delivery processes are not electronic at DVLA, resulting in the formation of the longer waiting lines.
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O. Afolabi, Adedeji, and Ifeoluwa R. Akinlolu. "Evaluation of women’s access to building credits from banks in Nigeria." Banks and Bank Systems 16, no. 4 (November 12, 2021): 45–60. http://dx.doi.org/10.21511/bbs.16(4).2021.05.
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Women are responsible for the fastest economic growth in the world through their commercial activities. Despite this notable act, women in developing countries are most times sidelined in accessing financial incentives from banks. The purpose of this study was to evaluate the criteria used by banks and the problems encountered by women in accessing building credits in Nigeria. The study used a cross-sectional survey research design that utilized an electronic questionnaire instrument. The data obtained were analyzed using frequencies, percentages, 100% stacked bars, mean score, ANOVA, and categorical regression (CAT-REG) tests. The result revealed that the primary criteria to access building credits across different banks in Nigeria were the source of income/level of income, credit status/review, and the value of the collateral. When women can access building credits from banks, it can lead to improved living conditions for women, improved work-life, and benefits for their children. However, the lack of collateral, lack of financial literacy, lack of formal employment, and lack of right to ownership of property are limiting factors in women lending from banks. Furthermore, gender discrimination, lack of financial literacy, and low educational background could influence women’s access to building credits from banks. To facilitate the provision of loans to women from banks, it is necessary to improve government policy, economic reforms and banking legislation for women’s access to loans. AcknowledgmentThe article processing charge (APC) for this paper was supported by Covenant University Centre for Research, Innovation and Discovery, Nigeria.
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Qu, Qiao, Cheng Liu, and Xinzhong Bao. "Financial Security Analysis of E-Commerce Platform Based on Supply Chain for Heterogeneous Network Location Verification." Journal of Sensors 2021 (December 13, 2021): 1–14. http://dx.doi.org/10.1155/2021/7952123.
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The development of supply chain finance, its pricing strategy for bilateral business cooperation between e-commerce, banking institutions, and fourth-party logistics services providers has gained the attention of researchers. This paper combines the heterogeneous network location verification technology, starting from information asymmetry and Rubens bargaining game ideas, and combines it with game theory methods to provide a reference for bilateral cooperation decision-making on e-commerce platforms. The experiment results indicated the pricing decisions of e-commerce platforms which are affected by the efforts of the other party and the ability of bargaining. The quoted price increases with the decrease of the bank’s ability and the increase of the service provider’s ability. The pricing decisions of banks and service providers are only affected by the direct proportion of their respective business costs. When considering the introduction of incentive mechanism conditions, it is found that appropriate incentive conditions can increase the quotation of the e-commerce platform. The price quoted by the e-commerce platform that chooses to bargain with the bank is higher than the price quoted by the bank after negotiating with the service provider, which will help to better realize the benefits. Finally, the paper numerically analyzes the results of the bargaining game between e-commerce platforms and banks and fourth-party logistics service providers, and the numerical results verify the better performance.
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Teh, Pin Shen, Ning Zhang, Andrew Beng Jin Teoh, and Ke Chen. "TDAS: a touch dynamics based multi-factor authentication solution for mobile devices." International Journal of Pervasive Computing and Communications 12, no. 1 (April 4, 2016): 127–53. http://dx.doi.org/10.1108/ijpcc-01-2016-0005.
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Purpose The use of mobile devices in handling our daily activities that involve the storage or access of sensitive data (e.g. on-line banking, paperless prescription services, etc.) is becoming very common. These mobile electronic services typically use a knowledge-based authentication method to authenticate a user (claimed identity). However, this authentication method is vulnerable to several security attacks. To counter the attacks and to make the authentication process more secure, this paper aims to investigate the use of touch dynamics biometrics in conjunction with a personal identification number (PIN)-based authentication method, and demonstrate its benefits in terms of strengthening the security of authentication services for mobile devices. Design/methodology/approach The investigation has made use of three light-weighted matching functions and a comprehensive reference data set collected from 150 subjects. Findings The investigative results show that, with this multi-factor authentication approach, even when the PIN is exposed, as much as nine out of ten impersonation attempts can be successfully identified. It has also been discovered that the accuracy performance can be increased by combining different feature data types and by increasing the input string length. Originality/value The novel contributions of this paper are twofold. Firstly, it describes how a comprehensive experiment is set up to collect touch dynamics biometrics data, and the set of collected data is being made publically available, which may facilitate further research in the problem domain. Secondly, the paper demonstrates how the data set may be used to strengthen the protection of resources that are accessible via mobile devices.
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Hakeem, Ghozian, and Ririn Tri Ratnasari. "PENGARUH PERCEIVED EASE OF USE PADA APLIKASI M-BANKING BANK UMUM SYARIAH DENGAN TRUST SEBAGAI VARIABEL INTERVENING." Jurnal Ekonomi Syariah Teori dan Terapan 8, no. 6 (December 5, 2021): 696. http://dx.doi.org/10.20473/vol8iss20216pp696-705.
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ABSTRAKPenelitian ini bermaksud untuk mengetahui pengaruh variabel perceived ease of use terhadap behavioral intention dengan trust sebagai variabel intervening pada penggunaan aplikasi m-banking bank umum syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode path analysis dan melibatkan 50 responden yang merupakan nasabah salah satu bank umum syariah sekaligus pengguna aplikasi m-banking bank yang bersangkutan dengan metode purposive sampling secara online, serta menggunakan metode analisis jalur dengan program AMOS untuk mengolah data. Hasil penelitian menunjukkan bahwa perceived ease of use dan trust berpengaruh signifikan terhadap behavioral intention, demikian juga perceived ease of use terhadap trust. Penelitian ini juga berimplikasi pada ilmu pemasaran Islam, yaitu mengenai niat perilaku konsumen yang akan berefek pada penggunaan aplikasi m-banking bank umum syariah saat ini dan di masa mendatang, seperti perekomendasian aplikasi tersebut ke orang lain. Maka dari itu, bank umum syariah diharapkan dapat meningkatkan kualitas fitur yang terdapat di aplikasi m-banking, mempromosikan secara gencar kemudahan dan manfaat yang akan didapat dari penggunaan aplikasi m-banking agar nasabah tertarik untuk menggunakannya, serta menyederhanakan baik tampilan dan cara penggunaan, sehingga aplikasi tersebut bisa digunakan dengan mudah oleh berbagai kalangan.Kata Kunci: Perceived ease of use, trust, behavioral intention, aplikasi m-banking. ABSTRACTThe intention of this study is to discover perceived ease of use’s impact on behavioral intention with trust as the intervening variable in the usage of Islamic commercial banks’ m-banking applications. This research uses a quantitative approach with path analysis method and involves 50 participants who are customers of one of Islamic commercial banks as well as users of m-banking application of the bank concerned with online purposive sampling method. It also uses path analysis method by using AMOS program to analyze the data. The result of this study indicates both perceived ease of use and trust significantly affect behavioral intention, and so is perceived ease of use to trust. This study also implies to Islamic marketing, which refers to consumers’ behavior that will affect the current and future usage of Islamic comercial banks’ m-banking applications, such as recommending it to other people. Therefore, Islamic commercial banks are expected to improve their applications’ features, promote its convenience and benefits vigorously to attract customers to use it, and simplify both its appearance and usage method, so it can be used by anyone easily.Keyword: Perceived ease of use, trust, behavioral intention, m-banking application. DAFTAR PUSTAKAAlrawashdeh, T. A., Elbes, M. W., Almonani, A., & ElQirem, F. T. A. (2019). User acceptance model of open source software: An integrated model of OSS characteristics and UTAUT. Journal of Ambient Intelligence and Humanized Computing, 11, 3315-3327.Botsman, R., & Rogers, R. (2010). Beyond zipcar: Collaborative consumption. Harvard Business Review, 88(10), 30.Chinomona, R. (2013). The influence of perceived ease of use and perceived usefulness on trust and intention to use mobile social software. African Journal for Physical, Health Information, Recreation and Dance, 19(2). 258-273.CNN Indonesia. (2021). 180 juta umat muslim baru 30 juta jadi nasabah bank syariah. Diakses dari https://www.cnnindonesia.com/ekonomi/20210210164446-78-604821/180-juta-umat-muslim-baru-30-juta-jadi-nasabah-bank-syariah.CNN Indonesia. (2021). Penjual 91 juta data Tokopedia beraksi lagi sasar kreditplus. Diakses dari https://www.cnnindonesia.com/teknologi/20200804102505-185-531879/penjual-91-juta-data-tokopedia-beraksi-lagi-sasar-kreditplusDavis, F. D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarterly, 13(3). 319-340. https://doi.org/10.2307/249008Dewan Perwakilan Rakyat Republik Indonesia. (1945). https://www.dpr.go.id/jdih/uu1945. 25 Januari 2021.Fishbein, M., & Ajzen, I. (1975). Believe, attitude, intention and behavior: An introduction to theory and research. Massachusets: Addison-Westlyn.Global Religious Futures. (2020). Diakses dari http://www.globalreligiousfutures.org/religions/muslimsHassan, H. E., & Wood, V. R. (2020). Does country culture influence consumers’ perceptions toward mobile banking? A comparison between Egypt and the United States. Telematics and Informatics, 46(101312), 1-14. https://doi.org/10.1016/j.tele.2019.101312Infobanknews.com. (2021). Transaksi digital banking mandiri Syariah meningkat dimasa pandemic. Diakses https://infobanknews.com/topnews/transaksi-digital-banking-mandiri-syariah-meningkat-dimasa-pandemiJaiyeoba, O. O., & Iloanya, J. (2019). E-learning in tertiary institutions in botswana: apathy to adoption. The International Journal of Information and Learning Technology, 36(2), 157-168.Jogiyanto. (2007). Sistem informasi keperilakuan. Yogyakarta: Andi.Kang, J. –W., & Namkung, Y. (2019). The role of personalization on continuance intention in food service mobile apps: a privacy calculus perspective. International Journal of Contemporary Hospitality Management. 31(2). 734-752. https://doi.org/10.1108/IJCHM-12-2017-0783Kasiram, M. (2008). Metode penelitian kuantitatif-kualitatif. Malang: UIN Malang Press.Kaur, S., & Arora, S. (2020). Role of perceived risk in online banking and its impact on behavioral intention: Trust as a moderator. Journal of Asia Business Studies, 15(1), 1-30. https://doi.org/10.1108/JABS-08-2019-0252.Kementerian Agama Republik Indonesia. (2020). Al-Qur’an surat al-anfal. Diakses dari https://quran.kemenag.go.id/sura/8Kementerian Agama Republik Indonesia. (2020). Al-Qur’an surat al-anfal. Diakses dari https://quran.kemenag.go.id/sura/108Li, Q. (2020). Healthcare at your fingertips: The acceptance and adoption of mobile medical treatment services among chinese users. International Journal of Environmental Research and Public Health, 17(6895). 1-21. DOI: 10.3390/ijerph17186895Meeprom, S., & Silanoi, T. (2020). Investigating the perceived quality of a special event and its influence on perceived value and behavioural intentions in a special event in Thailand. International Journal of Event and Festival Management, 11(3), 337-355. https://doi.org/10.1108/IJEFM-09-2019-0043Mostafa, R. B. (2020). Mobile banking service quality: a new avenue for customer value co-creation. International Journal of Bank Marketing, 38(5), 1107-1132. https://doi.org/10.1108/IJBM-11-2019-0421Namahoot, K. S., & Laohavichien, T. (2018). Assessing the intentions to use internet banking: the role of perceived risk and trust as mediating factors. International Journal of Bank Marketing, 36(2), 256-276. https://doi.org/10.1108/IJBM-11-2016-0159Oentario, Y., Harianto, A., & Irawati, J. (2017). Pengaruh usefulness, ease of use, risk terhadap intention to buy onlinepatisserie melalui consumer attitude berbasis media sosial di Surabaya. Jurnal Manajemen Pemasaran, 11(1), 26-31. https://doi.org/10.9744/pemasaran.11.1.26-31Polykalas, S. E., & Prezerakos, G. N. (2019). When the mobile app is free, the product is your personal data. Digital Policy, Regulation and Governance, 21(2), 89-101. https://doi.org/10.1108/DPRG-11-2018-0068Ratnasari, R. T., Gunawan, S., Mawardi, I., & Kirana, K. C. (2020b). Emotional experience on behavioral intention for halal tourism. Journal of Islamic Marketing, 12(4), 864-881. https://doi.org/10.1108/JIMA-12-2019-0256.Ratnasari, R. T., Gunawan, S., Septiarini, D. F., Rusmita, S. A., & Kirana, K. C. (2020a). Customer satisfaction between perceptions of environment destination brand and behavioural intention. International Journal of Creativity and Change, 10(12). 472-487.Republika. (2021). Luncurkan msyariah mega Syariah targetkan 1 juta transaksi. Diakses dari https://www.republika.co.id/berita/qrg9e3370/luncurkan-msyariah-mega-syariah-targetkan-1-juta-transaksiRizan, M., Haro, A., & Rahmadina, B. (2019). Pengaruh perceived ease of use dan service quality terhadap customer satisfaction dengan trust sebagai intervening (Studi kasus pada pengguna Grab di wilayah Jakarta). Jurnal Riset Manajemen Sains Indonesia (JRMSI), 10(2), 337-355.Sahoo, D., & Pillai, S. S. (2017). Role of mobile banking servicescape on customer attitude and engagement. International Journal of Bank Marketing, 35(7), 1115-1132. https://doi.org/10.1108/IJBM-09-2015-0144Saleem, H., Li, Y., Ali, Z., Ayyoub, M., Wang, Y., & Mehreen, A. (2020). Big data use an its outcomes in supply chain context: the roles of information sharing and technological innovation. Journal of Enterprise Information Management, 34(4), 1121-1143, https://doi.org/10.1108/JEIM-03-2020-0119Sedianingsih, Ratnasari, R. T., Prasetyo, A., & Hendarjanto. (2019). Antecedents of recommendation and repurchase intention on medical tourism. Revista de Ciencias Humanas y Sociales, 35(23), 1277-1300.Shao, Z., Zhang, L., Li, X., & Guo, Y. (2019). Antecedents of trust and continuance intention in mobile payment platforms: the moderating effect of gender. Electronic Commerce Research and Applications, 33(January–February 2019). https://doi.org/10.1016/j.elerap.2018.100823Sharianews.com. (2021). Pengguna BCA Syariah mobile meningkat 50 persen. Diakses dari https://sharianews.com/posts/pengguna-bca-syariah-mobile-meningkat-50-persenSokol, M. (1994). Adaptation to difficult designs: facilitating use of new technologies. Journal of Business dan Psychology, 8(3), 277-296.Thusi, P., & Maduku D. K. (2020). 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Bapat, Dhannajay. "Exploring Antecedents to Financial Management Behavior for Young Adults." Journal of Financial Counseling and Planning 30, no. 1 (June 1, 2019): 44–55. http://dx.doi.org/10.1891/1052-3073.30.1.44.
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In terms of future revenue stream, the potential of young adults is considered to be significant. The study is relevant to India as the segment dominates the population. The objective of the study is to examine the antecedents to financial management behavior for young adults. One hundred and sixty responses were obtained from respondents. While employing structural equation modeling, we found that variables such as help-seeking behavior, financial knowledge, and electronic banking, positively affect financial management behavior. The findings suggest that financial educators and counselors need to incorporate electronic banking along with other dimensions such as financial knowledge and help-seekers. Financial educators can benefit from innovative technology features.
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Kardaras, Dimitris, and Eleutherios Papathanassiou. "Electronic commerce opportunities for improving corporate customer support in banking in Greece." International Journal of Bank Marketing 19, no. 7 (December 1, 2001): 292–98. http://dx.doi.org/10.1108/02652320110410940.
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Banking, one of the most information intensive sectors, is an ideal domain for the successful development of e‐commerce. The present exploratory study focuses on e‐commerce opportunities for improving corporate customer services in the Greek banking sector. It reports on a survey of 11 marketing and information systems managers from five major Greek banks. The results indicate that the potential of e‐commerce ranges from simple applications, such as giving information about services, to more sophisticated ones that involve customers in services design and customisation. Suitable management actions are proposed to Greek banks in order to fully benefit from the Internet.
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Nath, Rupanjali, Kanika T. Bhal, and Geetika T. Kapoor. "Factors influencing IT Adoption by Bank Employees: An Extended TAM Approach." Vikalpa: The Journal for Decision Makers 38, no. 4 (October 2013): 83–96. http://dx.doi.org/10.1177/0256090920130406.
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The use of Information Technology (IT) in the banking sector has seen a phenomenal growth in India. For its effective use and implementation, employees' acceptance and the consequent use of IT are important. Davis' Technology Acceptance Model (TAM) (1989) explains users' acceptance of electronic systems. By applying the extended TAM approach to this study, the authors aim to uncover various factors that affect the attitude and acceptance of bank employees towards CBS. The TAM model identifies perceived usefulness (PU), and perceived ease of use (PEU) as impacting attitude towards IT and behavioural intention. The model is extended by identifying social influence, computer self-efficacy, and technological facility as factors affecting perceived usefulness and perceived ease of use. The target respondents for this study were bank employees from the public and private sectors banks (State Bank of India, Union Bank, Bank of India, ICICI Bank, and Axis Bank) situated in the National Capital Territory (NCT) of Delhi. Measurement items applied in this study were an adaptation of previously validated measures or were developed on the basis of a literature review. Responses were analysed using the 7-point Likert Scale that ranged from (1) ‘strongly disagree’ to (7) ‘strongly agree’. To test the reliability of the measures, a pilot study was conducted with 20 randomly chosen employees and modified scales. Structural equation modelling was used to analyse the data. Overall, the findings suggest that extended TAM variables positively influence the intention and usage behaviour through PU and PEU. That is, social influence enhances perceived usefulness; and computer self-efficacy and technology facility influence the perceived ease of use. Again, perceived ease of use significantly influences perceived usefulness which in turn has significant effect on behavioural intention and usage behaviour. Social influence of superiors was the prominent determinant of perceived usefulness of the CBS technology. Hence the role of managers as effective communicators is heightened especially in conveying the benefits of using IT and in turn achieving organizational goals.
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Huang, Jimmy, Enesi Makoju, Sue Newell, and Robert D. Galliers. "Opportunities to Learn from ‘Failure’ with Electronic Commerce: A Case Study of Electronic Banking." Journal of Information Technology 18, no. 1 (March 2003): 17–26. http://dx.doi.org/10.1080/0268396031000077422.
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This study reports on the experience of the First Atlantic Bank of Nigeria as it embarked on the implementation and introduction of Internet and mobile banking services. Based on the concept of a logic of opposition the study conceptualizes the case company's effort with a specific emphasis on the mode and impact of learning that occurred intra- and inter-organizationally. The case considers how being a first mover in a given market can be crucial, not necessarily because of the immediate commercial benefit, but more because of the opportunity for developing customers’ trust in order to ensure the success of future innovations. In addition, the case illustrates the problematic nature of evaluating the success or failure of an innovation. Further, it shows how failure can be an intermediate step to future success, while making the point, counter-intuitively perhaps, that blindly listening to customers may prove to be a barrier to successful innovations. Thus, firms might capitalize from what might initially be perceived as failure, in particular through transforming an opposing force into a promoting one.
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Hilty, Donald M., John Luo, Evangelina Giron, and Dong-Gil Ko. "A Shared Information Technology-Business-Health Model: Lessons for Healthcare Leaders on Integrating Technology from Investment." Psychology and Cognitive Sciences – Open Journal 7, no. 1 (July 6, 2021): 1–18. http://dx.doi.org/10.17140/pcsoj-7-159.
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Objective: Technology is rapidly shifting our day-to-day existence, education, social relationships, health care and business. Psychiatric leaders have slowly explored telepsychiatric services – but few have an approach to technology in general–due to competing clinical, educational and research demands. Technology has typically been added on, rather than integrated, to institutional functions. Method: This narrative review used a literature search of Medline, PsycNET, PsycINFO, Embase, Cochrane, SpringerLink, Scopus, ABI/Inform, Business Source Complete, and Web of Science, using subject headings and keywords along with a manual search of reference lists of articles published by November 2020. The keywords explored four areas: 1) business; 2) service delivery; 3) system change; and 4) technology. Articles were reviewed by title/abstract, full text review and review of references. They were included if they discussed integration of technology into health care and compared literature from medicine/health, psychiatry/behavioral health, business, technology, leadership and health care administration. The goal was to explore how medicine/psychiatry has integrated technology compared to business, and apply business approaches to health care and training. Results: From a total of 2,710 potential references, two authors found 327 eligible for full text review and found 69 papers directly relevant to the concepts. Business and medicine/psychiatry have similarities/differences from both historical and contemporary views. Many health care systems and companies lack a strategic plan for technology and focus only on short-term due to administrative demands. Clinical informatics is a rapidly expanding area and would be central to this process. It has started to facilitate patient-centered care as defined by quality, affordable, and timely health care. While in principle information systems use integrative approaches, electronic health records, electronic means of communications with patients and staff, behavioral health indicators and related digital advances are often added to existing systems rather than integrated. Effective businesses use integrative approaches to share domain knowledge and streamline practices to link information technology (IT) with research and development, production, financing and marketing management. A case example highlights the IT strategy and business leaders’ comments in shifting to straight through processing (STP) from the banking industry for investments. It also exemplifies a model of shared IT-business understanding, which improves performance via efficiency, quality of data/information processing/integration and managerial teamwork. Conclusion: When it is integrated into health care service delivery workflow, evaluated and quality improved, IT facilitates the translation of strategic planning into organizational change. Incremental versus strategically innovative approaches to technological integration for care, education and administration are considered. Successful implementation requires a needs and impact assessment for patients, staff, clinicians and leaders across all levels of the organization. Benefits to the mission, limited disruptions of core operational workflow and reasonable costs reduce the likelihood of failure.
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Almansoori, Sultan Ibrahim Obaid Hammad, Ahmad Bin Che Yaacob, Nurazmallail Bin Marni, and Ahmed Shehab. "The impact of e-marketing services on the satisfaction of the clients of emirates Islamic banks." International journal of health sciences 6, S1 (March 17, 2022): 754–64. http://dx.doi.org/10.53730/ijhs.v6ns1.4825.
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The study aims to analyze the extent of customer satisfaction with e-marketing services in Islamic banks in the United Arab Emirates through studying the reality and quality of e-marketing services provided by Islamic banks in the United Arab Emirates. The study reviews the most important customer demands from e-marketing banking services provided by Islamic banks in the United Arab Emirates. The study discusses the most important problems and obstacles facing the work of Islamic banks in the United Arab Emirates. Achieve the objectives of the study, the researcher uses the descriptive and analytical research method. The study concludes with a set of results and recommendations, the most important of which is that there is a correlation between the quality of the electronic service in the bank and between the satisfaction and loyalty of customers in addition to the presence of a statistical effect of the impact of the quality of e-marketing services on customer attitudes. The researcher recommends enhancing the use of e-marketing to benefit from its advantages, strengthening attention to customers, enhancing the utilization of the latest technological means to practice banking work, and to enable bank workers to use electronic marketing applications for banking services provided to customers.
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Dalbah, Iyad Yousef. "Management of Financial Technology and Its Impact on the Banking Services: Palestine." Business and Management Research 9, no. 2 (June 25, 2020): 9. http://dx.doi.org/10.5430/bmr.v9n2p9.
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This paper seeks to investigate the impact Financial Technology would have on the financial service banking industry in Palestine, The results show that the financial institutions need to adapt to the digital trends as early as possible, understanding the unmet needs of a digital customer in a better way. The growing expectation from financial institutions is to shift from product-based models to customer-based models, equipping themselves to offer real-time, easy to use, personalized products and services to the digital customers through customer’s preferred channel, Financial Technology is greatly innovating and enhancing the efficiency of the financial service industry thereby contributing to economic development. In Palestine, The researcher recommend the use of specialists in the field of electronic sites design in particular, because the site attractiveness needs experience sufficient experience in this area to support its attractiveness for customers, and to benefit from the experiences of the developed countries in the field of software technology control and protection of customer information, in order to strengthen current Software applied to those banks.
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van Tonder, Estelle, Stephen G. Saunders, and Leon T. de Beer. "A simplified approach to understanding customer support and help during self-service encounters." International Journal of Quality & Reliability Management 37, no. 4 (February 28, 2020): 609–34. http://dx.doi.org/10.1108/ijqrm-06-2019-0198.
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PurposeIn the absence of direct employee involvement, customers sharing knowledge and know-how with other customers during self-service encounters is key for promoting service quality. This study assessed the extent to which customer support and help during self-service encounters could simply be explained by multiple motivations of the social exchange theory.Design/methodology/approachA survey approach was followed. The model was tested among 258 electronic banking customers in South Africa and later cross-validated among 253 electronic banking customers in Australia. Multi-group confirmatory factor analysis with country as the grouping variable, latent variable modelling and indirect tests were performed to assess interrelationships among diverse factors that may contribute to customer support and help during self-service encounters, as accounted for by motivations of the social exchange theory.FindingsAdequate model fit was obtained for the combined structural model, which was based on the invariant model. Value contribution and competence affirmation, pleasure derived from helping, reciprocity and reputation enhancement are relevant motivations of the social exchange theory that may impact customer support and help through knowledge sharing.Research implicationsThe study provides a simplified and more cohesive explanation of customers' motivations for engaging in customer support and helping behaviours during self-service encounters.Practical implicationsService providers seeking guidance on knowledge sharing among customers, which may lead to greater service quality, should benefit from this research.Originality/valueThe findings contribute to greater understanding of social exchanges by customers who provide support and help to other customers during self-service encounters, and that ultimately may affect service quality.