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Journal articles on the topic 'Branchless Banking'

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Published: 4 June 2021

Last updated: 4 February 2022

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1

Ramdhany, Priadhi Harry. "HUBUNGAN HUKUM ANTARA BANK DENGAN AGEN LAKU PANDAI (BRANCHLESS BANKING) DALAM PELAKSANAAN PERANTARA KEUANGAN (FINANCIAL INTERMEDIARY) DIHUBUNGKAN DENGAN PRINSIP KEPERCAYAAN (FIDUCIARY PRINCIPLE)." Aktualita (Jurnal Hukum) 2, no. 2 (December 23, 2019): 455–72. http://dx.doi.org/10.29313/aktualita.v2i2.4841.

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Bank as a financial services institution monetary and funds for people who have trusted to save their money and other’s loan for some capital to operate their business. Otherwise there are many people in Indonesia do not having deposite or knowing financial services such; Loan for capital business. For example in Indonesia financial services only reach 52% from population. There are many factors include low income, there are no social guarantee otherwise the Bank distance is to far. Branchless Banking is a disruptive innovation from financial services for outreach people commonly village to increased potential Bank for people to save their money, loan for capital business without worried about Bank distance. With Principle Agency Of Branchless Banking there are many Agent in other’s outreached places eccept village. BTPN Tbk Wow! In Village Ciampea Bogor City was one of the most Principle Agency Of Branchless Banking in Indonesia. Therefore there are Law was binding in application Principle Agency Of Branchless Banking between Bank and Agent. The research will be descriptive and analytical research and also use a juridicial and normative approachment method. The stages of the research consist of literature and field research. Juridicial and normative approachment focus on Legal Standing Between Bank and Principle Agency Of Branchless Banking and the field research is Bank BTPN Wow! As a Branchles Banking financial services in Village Ciampea, Bogor City. Based on the results of the research, Financial Inclusion based on Legal Standing Between Bank and Principle Agency Of Branchless Banking related to Rules Of Contract such; Good Faith, Personality, and Agreement. The term of Agreement means capability, responsibility, and liability which different between Bank and Agent. Implementation procedure Customer due diligence (CDD) harm to Agent cause breaking or Crime against law or contract between bank or customer or it is a right for custumer to binding the Agent to Court

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2

Franksiska, Rosaly, Yenny Purwati, Paskah Ika Nugroho, and Arief Widodo. "Driving and Inhibiting Factors of Branchless Banking Technology Adoption in Rural Community." KINERJA 21, no. 1 (April 10, 2017): 35. http://dx.doi.org/10.24002/kinerja.v21i1.1033.

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This research is aimed to understand the perception of rural people toward Branchless Banking and to explore the factors that encourage them to adopt Branchless Banking technology in Indonesian context. Innovation diffusion theory was used in this research. Variables consisted of relative advantage, compatibility, complexity, trialability, and observability used to explore the perception of rural people toward Branchless Banking. Questionnaires were distributed to people in Kuncen village, Salatiga Indonesia. We found that relative advantage and complexity are factors that drive Kuncen village people to adopt Branchless Banking. Thus, compatibility, trialability, and observability are the inhibitors for Branchless Banking adoption.Keywords: Branchless Banking, mobile payment systems, technology adoption, financial inclusion

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3

Mangani, Ktut Silvanita, Yusman Syaukat, Bustanul Arifin, and Mangara Tambunan. "ECONOMIC BEHAVIOR OF MICRO AND SMALL BUSINESS HOUSEHOLDS IN A BRANCHLESS BANKING SYSTEM." Journal of Indonesian Economy and Business 34, no. 1 (July 1, 2019): 57. http://dx.doi.org/10.22146/jieb.31493.

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Introduction: This study aims to analyze how the existence of branchless banking in rural areas affects the economic behavior of the micro and small business households, and vice versa. Background Problem: Within the framework at inclusive finance program, Indonesia has implemented the branchless banking model. However, the impact of the branchless banking system to micro and small business household has not discussed yet. Research Method: The research was conducted in Bogor District, with many remote villages adjacent to Jakarta, a capital city of Indonesia. A total of 97 samples of micro and small business households were selected from 13 sub-districts. The estimation was conducted using 2SLS method. The model describes the existing condition that explains the uniqueness of the economic behavior of the micro and small business households in a branchless banking system. Novelty: Studies related to branchless banking generally analyzed from the perspective of banking institutions. However, this study focusses on supply side, namely it analyzDe the household economic behavior using simultaneously equation model. Findings: The results show that the presence of branchless banking agents, as measured by the value of the transactions conducted by the households, have little effect on the economic behavior of the micro and small business households. On the other hand, the economic behavior variables which are expected to affect the value of the transactions do not occur. The results explain that the utilization of the banking services provided through agents in the branchless banking system is in the form of payment transactions. In addition, the presence of branchless banking in rural areas has not affected production activities and vice versa. Conclusion: This study suggests a further study to find out the factors that make business actors unwilling to perform financial transactions related to their production activities through branchless banking agents.

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4

Yudiana, Fetria Eka. "Modifikasi Branchless Banking Pada Perbankan Syariah di Indonesia Berdasarkan Kearifan Lokal." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 9, no. 1 (June 26, 2018): 14. http://dx.doi.org/10.18326/muqtasid.v9i1.14-28.

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AbstractSharia banking is a business institution that reflects the existence of sharia economy which is closely related to social life of the community. The purpose of this research is to develop a branchless banking model, by analyzing and designing models based on related literature studies. By using qualitative analysis based on theory and literature study, it can be concluded that the development of branchless banking model in Indonesia especially in sharia banking is more appropriate if it combines technology and local wisdom aspect as it is more suitable with character of cultural diversity, religion and geographical position of Indonesia. Local culture understood by sharia banking can be an advantage in developing branchless banking. Thus sharia banking must have the ability to cooperate with local economic units. The design of branchless banking model is integrated, workable and prudent banking sharia, so as to reach more people, especially unbanked people, in accordance with the basic principles of sharia banking in Indonesia. Integrated and in accordance with international standards will be able to increase market share of sharia banking in Indonesia.AbstrakPerbankan syariah adalah institusi bisnis yang mencerminkan eksistensi ekonomi syariah sangat terkait dengan kehidupan sosial masyarakat. Tujuan penelitian ini adalah mengembangkan sebuah model branchless banking,dengan menganalisis dan mendesain model berdasarkan studi literatur terkait. Dengan menggunakan analisis kualitatif berdasarkan teori dan studi literatur dapat disimpulkan bahwa pengembangan modelbranchless banking di Indonesia terutama pada perbankan syariah lebih tepat jika memadukan teknologi dan aspek kearifan lokal karena lebih sesuai dengan karakter keragaman budaya, agama dan letak geografis Indonesia. Budaya lokal yang dipahami oleh perbankan syariah dapat menjadi keuntungan dalam mengembangkan branchless banking. Sehingga Perbankan syariah harus memiliki kemampuan untuk bekerjasama dengan unit ekonomi lokal. Desain model branchless bankingpada perbankan syariah yang terintegrasi, workable dan prudent, sehingga dapat menjangkau lebih banyak masyarakat terutama unbanked people, sesuai dengan prinsip dasar perbankan syariah di Indonesia, terintegrasi dan sesuai dengan international standard akan dapat meningkatkan market share perbankan syariah di Indonesia

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5

Mangani, Ktut Silvanita, Adolf Bastian Heatubun, and Martua Eliakim Tambunan. "Branchless Banking Process in Rural Areas: A Price Barrier?" Journal of Public Administration and Governance 11, no. 2 (June 28, 2021): 317. http://dx.doi.org/10.5296/jpag.v11i2.18816.

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Branchless Banking is one of the programs of Indonesia's financial inclusion strategy. The programs' name is "Financial Service Without Office in the Framework of Inclusive Financial" which called “Laku Pandai.” This study aims to portrait the implementation of the Branchless Banking program concerning the obstacles that occurred to achieve program objectives. The research conducted using qualitative methods. The existence of Branchless Banking agents close to the community has fulfilled the program objective, to make an easy way for society to do financial transactions without having to go to the bank office. Therefore, the implementation of the Branchless Banking program met the criteria for eliminating non-price barriers in financial services in remote areas. However, delegation authority to the agent as an extension of the bank to provide limited financial services has encouraged agents to engage in moral hazard behaviors by charging the tariff that greater than the official rate set by the managing bank. It showed that the agent has taken the consumer surplus provided by the Branchless Banking technology. Although accepted by society since considerably cheaper than the fee to go to the nearest bank office, that condition becomes a price barrier for the future development of Branchless Banking.

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6

Prendergast, Gerard, and Norman Marr. "Towards a Branchless Banking Society?" International Journal of Retail & Distribution Management 22, no. 2 (March 1994): 18–26. http://dx.doi.org/10.1108/09590559410054095.

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7

Mas, Ignacio. "The Economics of Branchless Banking." Innovations: Technology, Governance, Globalization 4, no. 2 (April 2009): 57–75. http://dx.doi.org/10.1162/itgg.2009.4.2.57.

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8

Lozano, Daniel Maurico Alarcón, and Matteo Mandrile. "A NEW AGENT MODEL FOR BRANCHLESS BANKING IN COLOMBIA." Revista Civilizar de Empresa y Economía 1, no. 2 (December 10, 2010): 7. http://dx.doi.org/10.22518/2462909x.57.

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This article provides an overview of the current development of branchless banking in Colombia, within the context ofthe Government’s strategy to promote access to financial services through non-bank correspondents (NBC). It describes the Colombian legal and regulatory framework for branchless banking, focusing on the recent reforms and types of retailers permitted to serve as agents. Also, it examines the traditionalbanking sector’s interest in branchless banking, and shows the available platforms for the implementation of banking agent networks. It highlights the potential of branchlessbanking solutions for the Colombian microfinance institutions (MFI), identifying a new agent model that puts MFI centre-stage. The article concludes with a series of recommendationsfor the development of branchless banking as a tool to expand financial acces, taking into account issues that still have the potential to affect the degree of customeracceptance and its economic viability.

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9

Afandi, Muhammad Anif. "Contribution of Islamic Commercial Bank Financing to East Java Economic Growth in the Era of Branchless Banking." Journal of Economics Research and Social Sciences 5, no. 1 (February 22, 2021): 1–12. http://dx.doi.org/10.18196/jerss.v5i1.10926.

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This study aims to determine and analyze the contribution of Islamic Commercial Bank’s (BUS) financing to the economic growth of East Java Province in the era of branchless banking. Three types of financing channeled by the BUS namely working capital financing, investment and consumption are used as the independent variables tested each effect on the dependent variable which is economic growth in East Java with a proxy of GDRP in the period of the quarter-I 2010 to quarter-I 2020. Ordinary Least Square (OLS) with dummy variable of branchless banking (0 = before the implementation of the branchless banking program (before November 2014) and 1 = after the implementation of the branchless banking program (after November 2014) is used as data analysis technique with the results of the study show that only consumer financing that have a positive and significant impact on economic growth of East Java. Whereas, the productive financing known to have positive impact but not significant toward the economic growth of East Java. Meanwhile, the branchless banking program known to give the positive and significant difference impact on economic growth in East Java compared to economic growth prior to the enactment of it. The results of this study beneficial for both the BUS and the regulator as an evaluation of the level of inclusiveness of the BUS’s financing to economic growth and the implementation of branchless banking in Islamic bank.

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10

Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Mediating Effect of Financial Inclusion on the Relationship between Branchless Banking Strategy and Performance of Commercial Banks in an Emerging market Context: The Case of Kenya." International Journal of Economics and Finance 10, no. 7 (June 25, 2018): 161. http://dx.doi.org/10.5539/ijef.v10n7p161.

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Since 1990 to date, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study investigated the role of financial inclusion on the relationship between branchless banking strategy and financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the effect of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya. The study also aimed at determining the mediating effect of financial inclusion on the relationship between branchless banking and financial performance of commercial banks in Kenya. The study adopted a correlational research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the commercial banks and Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicators for agency and electronic banking. Data analysis was done using SPSS and STATA statistical software. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks. However when agency and electronic banking channels were used together as a multichannel strategy, the effect on bank’s financial performance was found to be positive and significant at the 95 percent significance level. Study findings also indicate that the strength of the relationship between branchless banking strategy and financial performance of commercial banks in Kenya depends on the level of financial inclusion. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other and calls on the government to come up with policies to foster financial inclusion within the banking industry in order for the industry to achieve maximum returns from branchless banking strategies.

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11

Rachmawati, Rini, Nur Muhammad Farda, and Bowo Setiyono. "Model of Agents-Based Branchless Banking Services Development in Urban and Rural Area." Indonesian Journal of Geography 52, no. 1 (April 28, 2020): 69. http://dx.doi.org/10.22146/ijg.48452.

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The banking sector has experienced a far leap related to Information Communication and Technology (ICT)-based services. Among them is e-banking that has been used by the community, especially in urban areas. Likewise, the use of ATMs can be used to provide banking services to the wider community, so that it can replace most of the functions of services in banks. However, in communities outside of urban areas such as rural communities there are still limitations in accessing e-banking and ATM services. Limited use of e-banking because this service must use internet media or smart phones to access. Meanwhile, the limited use of ATMs due to the availability of ATMs in rural areas is not as much as in urban areas, considering that rural areas are areas with low settlement densities. Today, banks in Indonesia have provided branchless banking by enabling agents. Branchless banking is found in urban, suburban and rural areas. In previous research, the existence of branchless banking in the form of agents and their utilization by customers has been identified. From previous studies, maps of agent and customer density and analysis related to the condition of regional accessibility have been produced. This research is a further study focusing on sub districts area with high agent density in both rural, suburban and urban areas. The purpose of this research is to analyze the development model of agent-based branchless banking services. Data was collected through primary data through observation, structured interviews and measurement of coordinates of the location of agents and banking services in the form of ATMs and Banks. The final result is expected to be used as a model for the development of branchless banking services in Indonesia.

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12

Yuliaty, Tetty, and Arlina Nurbaity Lubis. "Agen Branchless Banking Untuk Mencapai Masyarakat Bankable." BISNIS : Jurnal Bisnis dan Manajemen Islam 5, no. 2 (February 9, 2018): 305. http://dx.doi.org/10.21043/bisnis.v5i2.3016.

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<p>The potential of Branchless banking is good enough for revolution of payment system in the emerging markets. Which aims to expand financial services to unbanked communities and provide a platform to contact MSMEs to the global economy can be achieved. Bank Indonesia (BI) targets the percentage of people reaching bankable services to reach 50% by 2019. By the end of 2014, the new bankable group reaches 36%. Meanwhile, as many as 64% are unreached groups of services from banks (unbankable), now our society tend to have mind-minded economy mindset. For that, need an increase from the side of savings. Digital financial services (LKD) such as Branchless Banking initiated by Bank Indonesia may be part of this intermediation. Some of the reasons that make the unbankable group exist, ie they do not understand how to open an account. In addition, people may also prefer to save themselves, shy with the formalities, or they are no money. Branchless Banking Agent as one of the elements in the implementation of Branchless Banking very need to be studied existence. To assist this research, and also use primary data needed and secondary in the implementation, in-depth interviews, observation and other in reviewing this qualitative research. The purpose of this study was to determine whether branchless banking agents were able to reach the bankable community. Methods of data collection in this study are, documentation studies, Direct observation, Indepth interview Open Questions, as well as provide a question sheet to the respondents and other sources. Qualitative Data Analysis Method used in this research is successive approximation method. The results of this study indicate that Agent Banking is able to become one of the elements in achieving Bankable society, where with its existence, its proximity and intensity with unbanked communities, can slowly increase bankable society.</p>

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13

Asmara Jaya, I. Gst Ngr Alit. "Branchless Banking Ditinjau Dari Persepektif Ekonomi Kelembagaan." Jurnal Ilmiah Satyagraha 3, no. 2 (August 20, 2020): 1–18. http://dx.doi.org/10.47532/jis.v3i2.175.

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Through OJK regulations, SE OJK No. 6 / SE.OJK.03 / 2015 taggal 06 February 2015 concerning Officeless Financial Services in the Framework of Financial Inclusion known as Laku Pandai, a branchless banking service program has been launched in order to improve banking access to the lower class, especially unbanked people. The development of the Laku Pandai (branchless banking) program in the last 5 years has been able to contribute to a significant increase in Indonesia's financial inclusion index. Economic theory states that increasing financial inclusion will increase inclusive growth. Inclusive growth can be said as growth that involves participation of all, namely growth without discrimination and is able to involve all economic sectors (Klasen, 2010). Inclusive growth allows everyone to contribute to and benefit from economic growth. This paper will attempt to review from an institutional economic perspective regarding bank agent services called Branchless Banking. To provide an overview of the implementation of the Laku Pandai bank agent program, the author will take a case study of application in the Province of Bali based on the research I conducted in 2018. How the Laku Pandai program as a form of inclusive financial services from an institutional economic perspective can increase financial inclusion and benefit community economy.

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14

Slazus, Barbara Jeanne, and Geoffrey Bick. "Factors that Influence FinTech Adoption in South Africa: A Study of Consumer Behaviour towards Branchless Mobile Banking." Athens Journal of Business & Economics 8, no. 1 (September 20, 2022): 429–50. http://dx.doi.org/10.30958/ajbe.8-1-3.

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The widespread use of mobile phones and growth in internet penetration has created a unique opportunity to increase access to financial services. Financial Technology (FinTech) companies and mobile banking (m-banking) empower customers to use digital platforms to utilise financial services without the physical access requirements of traditional banking. This has led to the rise of FinTech firms that are disrupting traditional industry standards by servicing consumers through a range of digital channels and mobile devices. A new completely branchless bank, Bank Zero, is set to launch in South Africa in 2020 to exploit these opportunities. This consumer behavioural study focuses on analysing FinTech adoption in the South African market. An adapted mixed-method approach was used to identify the enabling and inhibiting factors that motivate consumers to adopt or reject m-banking. Qualitative research was initially conducted via in-depth interviews with 7 respondents. The most salient factors identified in the literature review were tested, and the results were used to develop a quantitative, online questionnaire. A convenience sample of 217 valid responses was collected, and the data was analysed using exploratory factor analysis (EFA). The EFA identified 6 influencing factors: four enabling and two inhibiting factors. The enabling factors that positively influenced FinTech adoption were: Utility, Socio-Economic Influencers, Mobile Device Trust and Youth. The two inhibiting factors were: Perceived Risks and Associated Costs. Interestingly, 74% of the 217 respondents indicated that they would join a completely branchless bank, using only their mobile phones and the internet to access banking services, showing a high propensity to branchless, m-banking. Finally, the Enhancement Criteria Model based on insights gained from the research findings, is proposed. This model provides recommendation criteria for existing and new FinTech providers who are looking to improve their business models. JEL Codes: D18, G40 Keywords: FinTech, mobile banking, m-banking, branchless banking, consumer behaviour, South Africa

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Palaon, Hilman, Sudarso Kaderi Wiryono, and Taufik Faturohman. "Branchless banking agents: Business satisfaction, continuity, and viability." Cogent Business & Management 7, no. 1 (January 1, 2020): 1823585. http://dx.doi.org/10.1080/23311975.2020.1823585.

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16

Kurila, Jonila, Lambros Lazuras, and Panagiotis H. Ketikidis. "Message framing and acceptance of branchless banking technology." Electronic Commerce Research and Applications 17 (May 2016): 12–18. http://dx.doi.org/10.1016/j.elerap.2016.02.001.

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17

Winarsih, Winarsih. "Juridical Reviews on Branchless Banking Toward the Potential of Fraud Due to the Using of Agent." Journal of Private and Commercial Law 1, no. 1 (February 19, 2018): 53–68. http://dx.doi.org/10.15294/jpcl.v1i1.12353.

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Branchless banking is a new system which is implemented by banks in Indonesiawith aims to provide services to rural communities in order to access bankingservices such as lending or deposit money in the bank through an intermediaryagent. At first the rural communities are hard to obtain banking facilities such asmicro-credit whereas economic activities are largely actuated by lower-classsector therefore the Financial Services Authority or Otoritas Jasa Keuangan (OJK)issued the regulation number. 19/POJK.03/2014 about the financial serviceswithout office in the framework of financial inclusion on November 18, 2014 toface it. In this regulation, there are several things that need to be reviewed suchassessment accountability arrangements of agent as a third party who is notclearly regulated whereas according to some research there are some risk in themechanism of implementation like as potential of fraud due to the using of agentin this system. Though basically branchless banking is one of the strategicnational strategies to provide financing to small businesses in rural areas in orderto increase the competitiveness of products to compete in the ASEAN economiccommunity. Therefore, a legal instrument that can ensure and provide legalcertainty in branchless banking system is a very important thing, more overbranchless banking is the strategic of government to develop the quality of therural economy to face the ASEAN economic community.

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Mulyati, Etty. "The Agreement of Bank Cooperation with Agent in Providing Branchless Banking with The Realization of Inclusive Finance." Fiat Justisia: Jurnal Ilmu Hukum 15, no. 4 (June 30, 2021): 301–26. http://dx.doi.org/10.25041/fiatjustisia.v15no4.2269.

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Expanding access to financial services is essential for all levels of society, considering that many community members still do not know, use, and get banking services and other financial services. Through Branchless Banking, banking products can be reached according to the community's needs to support financial inclusion. In implementing innovative banking practices, the banking industry collaborates with other parties, namely agents supported by information technology facilities. This innovation is carried out electronically and involves third parties outside the bank. In this case, the agent is very vulnerable to risk. The problem is the principle of prudence in the cooperation agreement and the bank's responsibility if the agent in implementing Branchless Banking services harms its customers. The approach method used is the normative juridical approach, which includes research on a positive legal inventory and legal principles and rules governing legal relations. The principle in the prudence of banks regarding cooperation agreements with agents provide Branchless Banking services to support the realization of financial inclusion. Banks are required to implement risk management effectively using information technology, Know Your Customer Principles and Anti Money Laundering, Customer Due Diligence, and in-depth analysis of the assessment of credit applications by debtor customers. The bank is responsible for compensating for the losses if the agent implementing the intelligent behaviour of services harms his customers, considering the agent is acting for and on behalf of the bank. Even though the bank has not made a mistake, the agent is an extension of the bank, 1367 of the Civil Code that a person will also be responsible for people's actions under his/her dependents or objects under his/her supervision.

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Prochaska, Klaus, and Laura Brix. "Regulating transformational branchless banking: Dispatches from the policy frontlines." Enterprise Development and Microfinance 19, no. 1 (March 2008): 31–45. http://dx.doi.org/10.3362/1755-1986.2008.004.

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20

Stapleton, Tim. "Unlocking the transformative potential of branchless banking in Indonesia." Bulletin of Indonesian Economic Studies 49, no. 3 (December 2013): 355–80. http://dx.doi.org/10.1080/00074918.2013.850633.

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Dzombo, Gift Kimonge, James M. Kilika, and James Maingi. "The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya." International Journal of Financial Research 8, no. 4 (September 14, 2017): 167. http://dx.doi.org/10.5430/ijfr.v8n4p167.

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The Banking sector acts as the life blood of modern trade and economic development. Commercial banks influence, facilitate and integrate the economic activities like resources mobilization, poverty elimination, production, and distribution of public finance. The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in the banking industry. In the last two decades, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study purpose was to evaluate the effect of branchless banking on the financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the individual effects of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya and the combined effect of both agency and electronic banking on the financial performance of commercial banks in Kenya. The study adopted an exploratory research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the individual commercial banks, Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicator for agency and electronic banking. Data analysis was done using SPSS and STATA statistical softwares. Descriptive statistics, diagnostic tests and tests of hypothesis were done. Data was presented using tables and charts. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks at 5 percent significance level. However, when agency and electronic banking channels were used together as a multichannel strategy, they had a significant positive effect on bank’s financial performance at 5 percent significance level. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other.

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22

Aprilia, Nunung Eka. "INFLUENCE OF SERVICE QUALITY ON CUSTOMER LOYALTY THROUGH PERCEIVED RISK, SATISFACTION, AND TRUST IN BRANCHLESS BANKING CUSTOMERS." BISMA: Jurnal Bisnis dan Manajemen 15, no. 1 (March 31, 2021): 56. http://dx.doi.org/10.19184/bisma.v15i1.17764.

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This study examines and analyses the effect of service quality on customer loyalty mediated by perceived risk, satisfaction, and trust variables in branchless banking customers. Today's lifestyle changes are strongly influenced by fintech, which is rapidly developing. There is a need for urban and remote communities to adapt with these changes. However, there are still many uneducated people, especially in remote areas. The method used in this quantitative research was conducted by distributing questionnaires and interviewing of 100 samples of branchless banking customers to explore all information about customers. Data processing was performed by using SEM PLS software. The results showed that service quality has a negative and significant effect on perceived risk; service quality has a positive and significant effect on satisfaction; service quality has a positive and significant effect on trust; perceived risk has a positive and significant effect on customer loyalty; satisfaction negatively and insignificantly affects customer loyalty; and trust has a positive and significant effect on customer loyalty. However, the effect of service quality on customer loyalty through perceived risk is negative and insignificant. Service quality on customer loyalty through satisfaction has a negative and insignificant effect. Meanwhile, the influence of service quality on customer loyalty through trust as a mediator variable is positive and significant. Keywords: Service quality, perceived risk, satisfaction, trust, customer loyalty, branchless banking.

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Qazi, Sarah Wali, and Humair Ali Khushk. "Fueling Women Empowerment?" International Journal of E-Business Research 15, no. 1 (January 2019): 75–88. http://dx.doi.org/10.4018/ijebr.2019010105.

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The purpose of this study is to explore the structural meaning of empowerment realized through microcredit from the women's perspective. Women-lived experiences have been gauged to see how they feel empowered when microcredit is selected as transformation for their lives; also identifying the status of branchless banking is in focus. Abductive research strategy with hermeneutics phenomenology for interpreting women interviews are applied. The participants were selected through purposive sampling, 46 were interviewed from 17 districts of Sindh, Pakistan. Through interpretative phenomenological analysis, interviews were analyzed; and meaning constructed that women with financial stability are empowered specifically in a familial context; also, results show that branchless banking like easy paisa and other mobile financial services are in emerging stage and there is desire need of it. Microfinance practitioners can design strategies, framework and training according to the specific needs noticed in this study.

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Willis, Richard, J. Neill Marshall, and Ranald Richardson. "The Impact of ‘Branchless Banking’ on Building Society Branch Networks." Environment and Planning A: Economy and Space 33, no. 8 (August 2001): 1371–84. http://dx.doi.org/10.1068/a33171.

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The authors examine the impact of the remote delivery of financial services on the branch network of British building societies. The current phase of branch-network rationalisation in the financial sector in Europe and North America is argued in the academic literature to be the inevitable consequence of the growth of electronic and telemediated forms of delivery of financial services. In the British building society sector, despite some evidence of branch closure as the use of the Internet and telephone call centres in the delivery of financial services has grown, the picture that emerges is of a dynamic branch network that is responding to changing customer demands and new technological possibilities. Face-to-face advice and discussions between customers and trained ‘experts’ remain an important part of the mortgage transaction. In the savings market, where products have become more commodified, telephone call centres and, more recently, the Internet have become more prominent, but institutions still rely heavily on the branch network to deliver services. The authors suggest that, although there have been changes in the relative importance of different distribution channels as sources of business in the financial sector, it is wrong to view these changes in terms of a simple branch-versus-direct dichotomy. A more complex picture is presented, with most institutions adopting a multichannel approach to the delivery of financial services, and electronic forms of delivery of financial services being developed as an additional delivery channel alongside the branch.

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Muniarty, Puji, Nurhayati Nurhayati, and Ita Purnama. "ANALISIS LAKU PANDAI (BRANCHLESS BANKING) PADA AGEN PERBANKAN (STUDI DI KOTA BIMA)." Jurnal Mitra Manajemen 3, no. 7 (July 31, 2019): 802–14. http://dx.doi.org/10.52160/ejmm.v3i7.259.

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Penelitian ini bertujuan untuk mengetahui efektivitas layanan laku pandai (branchless banking) pada agen perbankan (Studi di Kota Bima). Jenis penelitian yang digunakan yaitu deskriptif menggunakan pendekatan pendekatan kualitatif conclusive dengan survey deskriptif. Populasi dalam penelitian ini yaitu seluruh agen46 BNI yang ada dikota bima sejumlah 163 dan sampel penelitian 8 agen46 BNI dengan purposive sampling dengan 80 responden yang menggunakan jasa layanan laku pandai. Waktu penelitian yaitu selama 3 bulan dari bulan Mei sampai dengan bulan juli 2019. Teknik analisis data yang digunakan yaitu uji validitas, uji reliabilitas dan uji t test one sample. Berdasarkan uji validitas bahwa seluruh item pertanyaan valid karena nilai Correted Item Total Correlation > 0,3 sedangkan uji reliabilitas Reliability Statistics diatas nilai Cronbachâ€™s Alpha sebesar 0, 817 > 0,60 yang artinya reliabel. Nilai t hitung lebih besar dari nilai t tabel (67,912 > 1,99) artinya efektivitas layanan laku pandai (branchless banking) dari yang diharapkan sangat efektif.

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Widiyati, Sri, Edi Wijayanto, and Prihatiningsih. "SUPPORTING THE SUSTAINABILITY OF REGIONAL INDUSTRY CORE COMPETENCE IN SALATIGA." International Journal of Research -GRANTHAALAYAH 7, no. 6 (June 30, 2019): 165–77. http://dx.doi.org/10.29121/granthaalayah.v7.i6.2019.785.

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A lot of small business activities become unbanked. The constraints faced related to knowledge limitations, limitations of information access and difficult requirements. The existence of branchless banking (BB) will help small business activities. They can easily to access formal financial institutions such as saving, payment, credit and insurance. The research aims to determine the regional industry core competence (RICC) in Salatiga, to find out the designing factors of BB and to choose the model of BB. The data used are secondary and primary data. Primary data obtained through interview and questionnaire from 200 small business activities. Scoring analysis based on OVOP criteria are used to determine RICC and to select branchless banking model used validity, reliability, factoring test and distribution of frequency. The study concluded that there are three superior products in Salatiga and one of them is processed food industry to be RICC and the corresponding BB model is the Bank Based Model.

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Ali, Tehreem, Rauf I Azam, and Ahmed Imran Hunjra. "Revision and Validation of Retail Service Quality Scale in Branchless Banking." Business & Economic Review 9, no. 3 (September 10, 2017): 184–216. http://dx.doi.org/10.22547/ber/9.3.8.

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Sarah, Hidayati. "Dampak Branchless Banking terhadap Kinerja Keuangan PT Bank Muamalat Indonesia Tbk." Al-Muzara'ah 3, no. 2 (December 18, 2015): 136–57. http://dx.doi.org/10.29244/jam.3.2.136-157.

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Mangani, Ktut Silvanita, Bustanul Arifin, Marta Idasz-Balina, Sławomir Juszczyk, and Yusman Syaukat. "BRANCHLESS BANKING ACTIVITIES ON RURAL AREAS – IRREGULARITIES IN RELATIONS WITH CLIENTS." Annals of the Polish Association of Agricultural and Agribusiness Economists XX, no. 2 (May 7, 2018): 132–37. http://dx.doi.org/10.5604/01.3001.0011.8127.

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The aim of the research was to describe the types of irregularities in the branchless activities of banks in rural areas of Indonesia in 2012-2015. In the course of the research it was found that the most common are 7 types of irregularities in the scope of fraud between the local bank representative and generally poor clients in these areas. The article describes these irregularities, which in the end may be facilitation in their reduction or elimination.

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PRIOR, Francesc, and Toni MORA. "QUANTITATIVE STUDY ON THE IMPACT OF BRANCHLESS BANKING ON MICROFINANCE INSTITUTIONS." Annals of Public and Cooperative Economics 90, no. 4 (September 11, 2019): 641–68. http://dx.doi.org/10.1111/apce.12252.

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Astal, Ashraf Y. Al, and Yousif H. Ashour. "Application of computer simulation for optimising branchless banking opportunities via cell phones." International Journal of Operational Research 20, no. 3 (2014): 301. http://dx.doi.org/10.1504/ijor.2014.062452.

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Kochar, Anjini. "Branchless banking: Evaluating the doorstep delivery of financial services in rural India." Journal of Development Economics 135 (November 2018): 160–75. http://dx.doi.org/10.1016/j.jdeveco.2018.07.001.

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Dermish, Ahmed, Christoph Kneiding, Paul Leishman, and Ignacio Mas. "Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature." Innovations: Technology, Governance, Globalization 6, no. 4 (October 2011): 81–98. http://dx.doi.org/10.1162/inov_a_00103.

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Jayo, Martin, Eduardo H. Diniz, Felipe Zambaldi, and Tania P. Christopoulos. "Groups of services delivered by Brazilian branchless banking and respective network integration models." Electronic Commerce Research and Applications 11, no. 5 (September 2012): 504–17. http://dx.doi.org/10.1016/j.elerap.2011.07.005.

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Kesa, Deni Danial. "Improving the potential of Laku Pandai (Branchless Banking) to develop sustainable financial inclusion." IOP Conference Series: Earth and Environmental Science 716, no. 1 (March 1, 2021): 012088. http://dx.doi.org/10.1088/1755-1315/716/1/012088.

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Zahid, Muhammad, Haseeb Ur Rahman, Zabeeh Ullah, and Ali Muhammad. "Sustainability and branchless banking: The development and validation of a distinct measurement scale." Technology in Society 67 (November 2021): 101764. http://dx.doi.org/10.1016/j.techsoc.2021.101764.

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Ameraldo, Fedi, Saiful Saiful, and Husaini Husaini. "Islamic Banking Strategies In Rural Area: Developing Halal Tourism and Enhancing The Local Welfare." IKONOMIKA 4, no. 1 (July 4, 2019): 109–36. http://dx.doi.org/10.24042/febi.v4i1.4211.

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ABSTRACTThe purpose of this study is to analyze the potential contribution of Islamic banking to development of Halal tourism and the enhancement of local community welfare in rural area.The present study employs a critical analytic approach based on extensive review and discussing the possible contribution of Islamic banking to development of Halal tourism and the local communities in rural area.As discussed in the paper there are some strategies for Islamic banking in the rural area. First, Islamic banking can establish special purpose vehicle to run the microfinance scheme in the rural area in order to minimize the potential risks. Second, some financing mechanisms also can be run by the Islamic banks both sources from internal and external resources, such as participatory model – musyarakah and mudharabah and third parties fund – zakah, infaq, sadaqah and waqf.Last, the branchless banking strategy is also proposed but with a certain intermediations should be firstly done by the Islamic banks, such as social and financial intermediation. Keywords Indonesia, Islamic Banking, Halal tourism, Local Welfare

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Supramono, Supramono, Elsa Stefanie, and Theresia Woro Damayanti. "FOSTERING FINANCIAL INCLUSION: THE DETERMINANTS OF THE USERS BEHAVIOUR OF THE SMART ACT BRANCHLESS BANKING SERVICE." Oradea Journal of Business and Economics 5, no. 2 (September 2020): 20–30. http://dx.doi.org/10.47535/1991ojbe108.

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The presence of Smart Act Branchless Banking Service (SABBS) in Indonesia is expected to be able to encourage people to have bank accounts and obtain banking services so that it can increase financial inclusion. The purpose of this study is to examine the determinants of the SABBS users’ behaviour based on Theory of Interpersonal Behaviour (TIB) and Technology Acceptance Model (TAM). Based on the integration of the two theories, 9 hypotheses can be formulated to be empirically tested. Based on the integration of the two theories, 9 hypotheses can be formulated. A sample of 200 respondents were obtained through a survey on the SABBS users and the data was analysed using Smart-PLS. The results show that: (1) perceived ease of use and perceived usefulness influence attitude towards SABBS; (2) attitude, social and affective factors have an influence on intention to use SABBS; (3) intention and habits influence the SABBS users’ behaviour. This study suggests that financial service authorities and the banking sector to increase financial inclusion must continue to foster public intentions to be willing to use SABBS. This can be done among others through structured and massive socialization about usefulness, easiness and security when using SABBS. This study also contributes, to reduce the research gap on the determinants of financial inclusion based on a behavioural approach.

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Urban, Boris, and Stephanie Althea Townsend. "TymeBank: digital disruption in SA’s banking sector." Emerald Emerging Markets Case Studies 11, no. 2 (July 15, 2021): 1–32. http://dx.doi.org/10.1108/eemcs-06-2020-0193.

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Learning outcomes Amongst others, these are that students should be able to: identify key components of corporate entrepreneurship; assess the role of technology innovation in terms of creating a competitive advantage; appreciate how an entrepreneurial orientation is related to innovation and growth; and make an informed decision regarding key success factors in influencing growth and sustainability. Case overview/synopsis TymeBank became the first fully branchless, digital bank in South Africa when it launched in February 2019. Since then, the bank’s customer base had grown beyond expectation, but the market had also become more competitive, as new digital banks opened for business and traditional banks expanded their range of digital offerings. The case situates the chief executive officer, Tauriq Keeran, in November 2019, considering how whether the bank was doing enough to grow, in the face of this competition. Complexity academic level Master’s level business students, as well as entrepreneurship, innovation and digital business at both undergraduate and postgraduate level. Supplementary materials Teaching Notes are available for educators only. Subject code CSS 3: Entrepreneurship.

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Marshall, J. N., and R. Richardson. "The Impact of ‘Telemediated’ Services on Corporate Structures: The Example of ‘Branchless’ Retail Banking in Britain." Environment and Planning A: Economy and Space 28, no. 10 (October 1996): 1843–58. http://dx.doi.org/10.1068/a281843.

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In this paper we assess the spatial impact of ‘branchless’ retail banking which integrates telecommunications and computer technology to provide personal financial services remotely. We show that, in Britain, financial institutions are concentrating retail services into a small number of low-cost sites on the edge of cities in the north of the country, and exporting the services to more expensive locations. Associated with locational shifts is a rationalisation of corporate hierarchies and the introduction of a more ‘entrepreneurial’ approach to selling bank services, involving new types of gender-segmented work.

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Rahadiyan, Inda, and M. Alif Akbar Pranagara. "Bentuk Hubungan Hukum Para Pihak dan Tanggung Jawab Agen Dalam Penyelenggaraan Branchless Banking di Indonesia." Jurnal Hukum IUS QUIA IUSTUM 24, no. 2 (April 15, 2017): 301–19. http://dx.doi.org/10.20885/iustum.vol24.iss2.art7.

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Lee, Julie, and María Jaramillo. "Driving adoption of branchless banking: insights from consumer education in India, the Philippines, and Zambia." Enterprise Development and Microfinance 24, no. 3 (September 2013): 218–32. http://dx.doi.org/10.3362/1755-1986.2013.021.

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Rachmawati, Rini, Nur Mohammad Farda, R. Rijanta, Bowo Setiyono, Sinthia Alfianita Hapsari, Elvandio Ramadhan, and Ridho Dwi Dharmawan. "The Comparison Between The Uses of Branchless Banking in Urban and Rural Areas: Geographical Perspective." IOP Conference Series: Earth and Environmental Science 338 (November 24, 2019): 012016. http://dx.doi.org/10.1088/1755-1315/338/1/012016.

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Nastiti, Nur Dyah, and Rahmatina Awaliah Kasri. "The role of banking regulation in the development of Islamic banking financing in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 12, no. 5 (November 11, 2019): 643–62. http://dx.doi.org/10.1108/imefm-10-2018-0365.

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Purpose The 2015 global economic crisis has triggered the issuance of several banking regulations in Indonesia, including those related to temporary stimulus for Islamic banks and branchless banking (fintech). However, few studies attempt to evaluate the effectiveness of such regulations. Thus, this study aims to determine the role and assess the effectiveness of such banking regulations. Design/methodology/approach The data used cover all 12 Islamic commercial banks in Indonesia during the stimulus period of Q3.2015 to Q2.2017. The variables included were banks’ fundamental factors (Islamic financing, capital adequacy ratio, investment, non-performing financing, return on asset, efficiency, financing deposit ratio and fintech) and macroeconomic variables (inflation, exchange rate and money supply). The model was analyzed by using multiple linear regressions with generalized least square estimation technique. Findings The main finding suggests that the stimulus regulation indeed played a positive role in the acceleration of Islamic bank financing. However, the fintech-related regulation was not yet effective to achieve the goal, at least in the short term. Furthermore, the study found that return of assets, operational efficiency, financing deposit ratio and money supply also influenced Islamic financing. Practical implications For policymakers, the effectiveness of the temporary stimulus in accelerating Islamic banking financing and preventing the possible negative impacts of the external crisis provides indications that the regulator could conduct similar policy in the future. More generally, the findings are also expected to enrich Islamic banking literature. Originality/value This is possibly one of the few studies to investigate the role and effectiveness of banking regulations on Islamic banking financing in Indonesia.

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Setiyono, C., M. R. Shihab, and F. Azzahro. "The role of initial trust on intention to use branchless banking application: case study of jenius." Journal of Physics: Conference Series 1193 (April 2019): 012022. http://dx.doi.org/10.1088/1742-6596/1193/1/012022.

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Jayo, Martin. "Um Olhar Retrospectivo sobre os Correspondentes Bancários: sete notas para uma história do branchless banking brasileiro." Revista Gestão & Políticas Públicas 4, no. 2 (December 15, 2014): 379–416. http://dx.doi.org/10.11606/issn.2237-1095.v4i2p379-416.

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O artigo reúne sete notas, escritas entre 2007 e 2010, sobre o surgimento e desenvolvimento dos correspondentes bancários (CBs) como importante canal de distribuição de serviços financeiros no Brasil. Ao fazer isso, mostra como ele cresceu na esteira de políticas públicas de inclusão social e financeira.

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Mangani, Ktut Silvanita, Yusman Syaukat, Bustanul Arifin, and Mangara Tambunan. "The role of branchless banking in performance of households’ micro and small enterprises: The evidence from Indonesia." Economics & Sociology 12, no. 3 (September 2019): 114–31. http://dx.doi.org/10.14254/2071-789x.2019/12-3/8.

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Diniz, Eduardo, Rene Birochi, and Marlei Pozzebon. "Triggers and barriers to financial inclusion: The use of ICT-based branchless banking in an Amazon county." Electronic Commerce Research and Applications 11, no. 5 (September 2012): 484–94. http://dx.doi.org/10.1016/j.elerap.2011.07.006.

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Zaffar, Muhammad Adeel, Ram L. Kumar, and Kexin Zhao. "Using agent-based modelling to investigate diffusion of mobile-based branchless banking services in a developing country." Decision Support Systems 117 (February 2019): 62–74. http://dx.doi.org/10.1016/j.dss.2018.10.015.

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Reynolds, Travis W., Marieka Klawitter, Pierre E. Biscaye, and C. Leigh Anderson. "Mobile money and branchless banking regulations affecting cash-in, cash-out networks in low- and middle-income countries." Gates Open Research 2 (November 28, 2018): 64. http://dx.doi.org/10.12688/gatesopenres.12876.1.

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Background: We examined recent trends in mobile money and branchless banking regulations related to cash-in, cash-out (CICO) networks (physical access points allowing users to exchange physical cash and electronic money) in low- and middle-income countries, and reviewed evidence on the impacts of CICO regulations on markets and financial inclusion. Methods: Regulation and literature searches began in August 2017 and concluded in June 2018. For the regulatory search we compiled an original database of regulations targeting CICO networks in Bangladesh, India, Indonesia, Kenya, Nigeria, Pakistan, Tanzania, and Uganda. To review evidence of impacts of regulations we conducted additional global searches on Scopus, Google Scholar, and Google using keywords for specific regulatory approaches (e.g., regulation of CICO agents) or hypothesized impacts (e.g., financial inclusion). Results: The resulting database of CICO regulations in the eight focus countries includes 127 regulatory documents, which we coded for four groups of regulations, namely: Business Channel Requirements; Agent Requirements; Regulations on Caps, Fees and Charges; and Customer Identification Requirements. Early CICO regulations focused on agent selection rules, limits on fees, and know-your-customer requirements. More recent waves of regulation have expanded or restricted services CICO agents provide, and also imposed reporting requirements on service providers in an effort to prevent fraud or enhance financial inclusion. Our search for evidence of impacts of CICO regulations resulted in a sample of 90 documents published since 2005, of which only 31 provided evidence on CICO regulation impacts, with most limited in scope—suggesting rigorous policy analysis remains lacking in this quickly expanding sector. Conclusions: Many low- and middle-income countries have introduced regulations that may affect CICO networks, with regulatory approaches differing across geographies and over time. While anecdotal reports of regulatory impacts exist, we found limited evidence of impacts of regulations on CICO networks or on CICO-related financial inclusion.

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