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Journal articles on the topic 'Digital banking'
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V., Bharathi Veena, and Dr Janarthananpillai . "Effect of Digital Banking Acceptance on Digital Banking Usage." Webology 19, no. 1 (January 20, 2022): 1344–57. http://dx.doi.org/10.14704/web/v19i1/web19090.
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Banking is one of the most important ingredients in economic development, because of banks have direct contact with the public as well as the countries economic affairs. Thus, banking institutions are considered as a most influential pillars of Indian economy and interreference of banking sector among the public become digitalized and now the digital banking system has been covered almost entire economy in the state. In this context, study has been analyzed the effect of digital banking acceptance on digital banking usage among elder banking customers, because of previous references indicates that elder people were far away from digitalization due to lack of knowledge, awareness, negative attitude created by the lack of knowledge etc. meantime many reviews found that elder people are more eager to use the technology. Here, in this context study has been analyzed the factors which are leads to the digital banking acceptance among the elder banking customers. Study has also analyzed the mediator (Informal Joint Family Network) effect between Digital Banking Acceptance (DBA) and Digital Banking Usage (DBU).
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Sanmath, Prof Ashwini. "Fin Tech Banking – The Revolutionized Digital Banking." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (October 3, 2018): 172–80. http://dx.doi.org/10.31142/ijtsrd18699.
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Shermukhamedov, Bobur Abbasovich, and Muyassar Shavkat kizi Tulaganova. "INNOVATIONS IN BANKING: DIGITAL BANKING." Theoretical & Applied Science 102, no. 10 (October 30, 2021): 880–87. http://dx.doi.org/10.15863/tas.2021.10.102.98.
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Dolgushina, D. A., and N. L. Poltoradneva. "Digital banking model." St. Petersburg State Polytechnical University Journal. Economics 256, no. 6 (January 2017): 206–18. http://dx.doi.org/10.5862/je.256.19.
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Manser Payne, Elizabeth, James W. Peltier, and Victor A. Barger. "Mobile banking and AI-enabled mobile banking." Journal of Research in Interactive Marketing 12, no. 3 (August 13, 2018): 328–46. http://dx.doi.org/10.1108/jrim-07-2018-0087.
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PurposeThe rapid growth of technology, including artificial intelligence (AI), in the banking industry has played a disrupting role in traditional banking channels. This study aims to investigate factors that influence the attitudes and perceptions of digital natives pertaining to mobile banking and comfort interacting with AI-enabled mobile banking activities.Design/methodology/approachData were collected from 218 digital natives. This paper uses multivariate regression and two separate multiple regression analyses to examine the differential effects of technology-based (i.e. attitudes toward AI, relative advantage, perceived trust and security in specific mobile banking activities) and non-technology based (i.e. need for service, quality of service) factors on mobile banking usage and AI-enabled mobile banking services.FindingsThis study identifies determining factors for mobile banking and AI-enabled mobile banking services. Results indicate a divide in how digital natives perceive relative advantage between our two dependent variables. Consistent with previous studies, the relative advantage construct has the most impact on mobile banking usage. However, relative advantage was not significant for AI-enabled mobile banking, suggesting an extra layer of complexity that goes beyond convenient fast banking.Research limitations/implicationsA limitation of this study is that it does not incorporate age groups outside of digital natives. Further research is needed to test for differential effects between age groups. In addition, the discovery of no significant impact of relative advantage on AI mobile banking warrants more research on the similarities and differences between mobile banking and AI-enabled mobile banking.Practical implicationsTo better appeal to digital natives, it is suggested that the banking industry emphasize mobile banking’s anywhere/anytime access to financial accounts, as this is important to college-age customers who may not live near their local banking institution. Moreover, the paper suggests that improvement to mobile banking features for one-on-one interpersonal contact with bank employees is needed.Originality/valueThis study addresses the gap in the understanding of how digital natives perceive mobile banking in comparison to AI-enabled mobile banking services.
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Anggraeni, Rila, Raditha Hapsari, and Noor Awanis Muslim. "Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers." Asia Pacific Management and Business Application 009, no. 03 (April 30, 2021): 193–210. http://dx.doi.org/10.21776/ub.apmba.2021.009.03.1.
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Anggraeni, Rila, Raditha Hapsari, and Noor Awanis Muslim. "Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers." Asia Pacific Management and Business Application 009, no. 03 (April 30, 2021): 193–210. http://dx.doi.org/10.21776/ub.apmba.2021.009.03.1.
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Antonova, Olena, Iryna Tsapliuk, and L�onid Blazhey. "INVESTIGATION OF THE INFLUENCE OF DIGITALIZATION OF BANKING ON THE STRATEGIC MANAGEMENT OF THE BANK." Actual Problems of Economics 1, no. 232 (2020): 35–42. http://dx.doi.org/10.32752/1993-6788-2020-11-232-35-42.
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The article examines the impact of digitalization of banking on the strategic management of the bank and different scenarios of strategic development of the bank depending on the degree of acceptance of the bank's digitalization process. An analysis of the study of digital technologies currently used by banks in Ukraine. Based on the considered gradations of digital banking, it was concluded that Ukrainian banks follow the partial introduction of digital technologies in their own activities and use the first two models of each grading: �digital banking brand� and �bank with digital channels�, as well as banking, as a service and �inclusive bankin�. The bank's management, based on financial capabilities and the chosen model of strategic development of the bank, is able to choose different options for digital technologies that will solve various problems of its activities, increase efficiency and ensure optimization of revenues and expenses
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Zahid, Muhammad, Muhammad Jehangir, and Naveed Shahzad. "Towards Digital Economy." International Journal of E-Entrepreneurship and Innovation 3, no. 4 (October 2012): 34–46. http://dx.doi.org/10.4018/jeei.2012100103.
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Information and Communication Technologies (ICT) have changed business operation trends. Information systems are considered a valuable asset and have the attention of the strategic and marketing decision floors. Use of information system and ICT in the banking industry have become indispensable, and have replaced traditional operations with electronic banking concepts. Electronic banking has brought many challenges for strategic managers to achieve strategic goals and overall customers’ satisfaction. This research study aims to investigate the impact of electronic banking in the context of IT usage, ease of use, its usefulness and the customer satisfaction among the Pakistan banking industry. Pakistan’s top five commercial banks were selected in five districts of KPK for data collection. Three hundred and three electronic banking customers were interviewed through a questionnaire containing 21 relative questions. The SPSS is used for the analysis, on data collected through the questionnaire. Descriptive analysis, correlation, regression and ANOVA have been computed for the results interpretations. From these results, it was found that the customers strongly agree to use information technology for banking operations, but they believe that the use of electronic banking has problems. The management should focus on its method of use. The customers suggested that the electronic banking operations should be simplified, should be user friendly, should be easy to understand, and thus its usefulness will enhance in achieving highly satisfied customers.
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Vives, Xavier. "Digital Disruption in Banking." Annual Review of Financial Economics 11, no. 1 (December 26, 2019): 243–72. http://dx.doi.org/10.1146/annurev-financial-100719-120854.
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This review surveys technological disruption in banking, examining its impact on competition and its potential to increase efficiency and customer welfare. It analyzes the possible strategies of the players involved—incumbents and FinTech and BigTech firms—and the role of regulation. The industry is facing radical transformation and restructuring, as well as a move toward a customer-centric platform-based model. Competition will increase as new players enter the industry, but the long-term impact is more open. Regulation will decisively influence to what extent BigTech will enter the industry and who the dominant players will be. The challenge for regulators will be to keep a level playing field that strikes the right balance between fostering innovation and preserving financial stability. Consumer protection concerns rise to the forefront.
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Zahiroh, Mun Yah. "Cybersecurity Awareness and Digital Skills on Readiness For Change in Digital Banking." Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 5, no. 2 (December 29, 2020): 53. http://dx.doi.org/10.31332/lifalah.v5i2.2271.
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This study will explore the impact of cybersecurity awareness and digital skills on Readiness for digital banking change. The study sample is fresh graduates in Indonesia's Islamic Banking. The study used PLS-SEM (Partial Least Squares-Structural Equation Modeling) using Smart-PLS 3.0 software. Research shows that 1) cybersecurity awareness does not impact digital banking readiness for Change. 2) digital skills have a positive and essential effect on digital banking readiness for Change. Though cybersecurity awareness does not affect Readiness for Change in digital banking, fresh Sharia Banking department graduates should have strong cybersecurity awareness and digital skills to face changes in the banking business model towards digitization due to significant technological advances acceleration during the Covid-19 pandemic. This study's implications are expected to facilitate the Islamic Banking department in Indonesia to develop its curriculum by including digital intelligence in the Merdeka Belajar curriculum.
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Pham, Duy Khanh. "Digital Banking Adoption in Vietnam: An Application of UTAUT2 Model." Webology 19, no. 1 (January 20, 2022): 3243–62. http://dx.doi.org/10.14704/web/v19i1/web19214.
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Digital banking is a modern form of banking – a new type of digital business. It covers all aspects of a traditional bank and transforms it into an application through digital technology. Digital banking plays a critical role in banking and economic development in the era of industrial revolution 4.0. This research examines the factors affecting the intention to use digital banking services in Vietnam, a frontier market. The research inherits the UTAUT2 research model to examine the determinants of digital banking services. The empirical study results show that the behavioural intention of digital banking services is positively affected by effort expectancy, social influences, facilitating conditions, and trust of commercial banks. Finally, the behavioural intention of digital banking services also positively impacts the intention to use digital banking services. This study “helps commercial banks in emerging markets approach customer needs better and develop digital banking services.
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Zaripov, I. "Digital Banking: Modern Finance Paradigm Shifting." Scientific Research and Development. Economics of the Firm 11, no. 1 (March 31, 2022): 13–22. http://dx.doi.org/10.12737/2306-627x-2022-11-1-13-22.
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The article provides an author's view of the current problems facing the banking system of the Russian Federation as part of the transition to digital banking services, especially aggravated due to the massive using remote channels of interaction due to the restrictions of the pandemic period. The author analyzes the current problems of financial sector due to increased criminal cyber attacks and offers recommendations to counter these crimes. There is evidence of the need to revise the concepts and strategies of the development of banks in connection with digitalization, to improve approaches to information security. And the author concludes that it is information security that is a key element in the process of digitalization of banking activities, and the soundness of banking institutions can be ensured only by the joint efforts of the state, banks and their customers, which will play a key role in stabilizing the domestic financial sector.
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Bhasin, Narinder Kumar, and Anupama Rajesh. "A Study of Digital Payments." International Journal of Virtual Communities and Social Networking 10, no. 1 (January 2018): 46–64. http://dx.doi.org/10.4018/ijvcsn.2018010104.
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The challenges and emergence of a global economy and a Digital First World has created financial disruptions in e-commerce and e-business around the globe. The collaborations of banks with Fintech companies have led to digitalization being an important component of their business and marketing strategy. The application of e-banking has been demonstrated as an effective cost reduction, risk management and provides quick services to the customers. Nowadays, e-banking services have already ensured opportunities to reduce expenditures on physical structures. However, in some previous studies it has been showed that e-banking has helped banks and financial institutions to reduce costs, increase revenue, and increase customer experience. With the growth of digital banking in India, it is significant to analyze the actual situation of customer satisfaction in the banking sector. This article evaluates the various new digital banking technologies in the banking sector of India which have gained momentum after various banking reforms like the digital financial inclusion, demonetization and GST implementation. It also identifies the relationship between the increasing trends in the usage of electronic banking and a customer paradigm shift from traditional cash and paper-based cheque payment systems and evaluates various challenges and opportunities in the implementation of digitalization. This research was carried out using multiple methodologies.
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Mageswari, S. S., and P. Sasirekha. "Digital Banking: The New Normal." ECS Transactions 107, no. 1 (April 24, 2022): 12783–94. http://dx.doi.org/10.1149/10701.12783ecst.
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Technology is playing a very important role in today’s world. Each sector is adopting different methods to make value in this digital world. Banking is experiencing a technological stir right now, especially in this pandemic era. AI is being adopted first by the banking sector (Vijai, 2019). This period has brought a drastic change in the world where banking sector played a very effective role in satisfying their customers. The majority of the people have come in the way of using digital banking through which it helped many customers to do various payments etc. From Siri to self- driving cars, AI is moving though a rapid pace (Navleen Kaur, 2020). The objective of the study is to understand and know about the awareness about the factors influencing to adopt AI-based banking services. Primary data was used to collect from 275 respondents. The study concludes that the banking sector should withstand the changes since, “Change is the only permanent thing.”
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Alam, Md Jahangir, Farhana Jesmin, Mohammad Faruk, and Md. Nur-Al-Ahad. "Development of E-banking in Bangladesh: A Survey Study." Financial Markets, Institutions and Risks 5, no. 2 (2021): 42–51. http://dx.doi.org/10.21272/fmir.5(2).42-51.2021.
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E-Banking is being grownup speedily in Bangladesh. The recent exceptional advancement in data technology and smartphones’ convenience has brought important changes in banks’ services in Bangladesh. Notably, banks are presently competitory to supply complete banking services via smartphones or through on-line platforms. Such digital banking services cut back long queues within the bank’s counter to withdraw cash/ to deposit cash to their accounts. However, very little is thought concerning security and customers’ feedback concerning such services, that is investigated during this paper. a lot of significantly, this paper tried to look at E-banking’s current standing, potential future opportunities, and challenges, notably in Bangladesh. To serve our functions, we have a tendency to interviewed one hundred fifty folks directly connected with such digital banking services, as well as bankers, users, and alternative people. Our study finds many barriers in E-banking service channels, as well as technological breakdown, infrastructural limitations, temporal arrangement problems, legal risks and name risks, etc. Our analysis conjointly finds that customers are not equally pleased with digital services, and that they demanded to scale back the extent of uncertainty related to digital banking services.
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Susilawaty, Lilis, and Nicola Nicola. "Pengaruh layanan perbankan digital pada kepuasan nasabah perbankan." Jurnal Manajemen Maranatha 19, no. 2 (May 13, 2020): 179–90. http://dx.doi.org/10.28932/jmm.v19i2.2478.
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This study aims to determine whether digital banking services affect banking customer satisfaction. In accordance with previous research contained there are six measurements of digital banking services that affect banking customer satisfaction, namely comfort, functional quality, employee customer involvement, quality of digital banking services, brand/ trust, and digital banking innovation (Mbama & Ezepue, 2018). The data analysis technique used is quantitative verification analysis. The data used are primary data where the questionnaire was distributed to respondents using digital banking services of PT Bank Central Asia, Tbk. (Bank BCA). For the hypothesis, multiple regression analysis is tested. Before testing the data instrument testing and classical assumption tests are performed. In total 136 respondents, the results of this study indicate that comfort, functional quality, quality of digital banking services, brand/ trust, employee customer involvement, and digital banking innovation significantly influence customer satisfaction performance at Bank BCA. But partially, showing comfort, the quality of digital banking services, and brand/ trust does not affect the performance of banking customer satisfaction. Whereas functional quality, employee customer involvement, and digital banking innovation influence the performance of banking customer satisfaction.
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Shashikala, K. "Digital disruption in banking industry." International Journal of Social and Economic Research 9, no. 3 (2019): 56. http://dx.doi.org/10.5958/2249-6270.2019.00019.9.
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Sarkar, Swapan, and Priyadarshini Chatterjee. "Demonetization Effect on Digital Banking." Management Accountant Journal 54, no. 7 (July 31, 2019): 70. http://dx.doi.org/10.33516/maj.v54i7.70-80p.
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Mutiasari, Annisa Indah. "PERKEMBANGAN INDUSTRI PERBANKAN DI ERA DIGITAL." JURNAL EKONOMI BISNIS DAN KEWIRAUSAHAAN 9, no. 2 (August 6, 2020): 32. http://dx.doi.org/10.47942/iab.v9i2.541.
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The Industrial Revolution 4.0 is an opportunity for the banking industry in Indonesia to be more innovative in providing excellent service to all customers. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. The purpose of this study is to determine the development of digital banking industry services in Indonesia. The rapid development of digital banking technology is a new challenge for the banking world. The banking industry as a service industry that is developing and capable of driving Indonesia's economic growth is faced with two choices, namely adopting digital technology so that banks can survive or remain conventional, but slowly die.
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Zamaslo, Olha, Viktor Kovalenko, and Olha Lozynska. "DIGITAL TRANSFORMATION LEVEL INDICATORS OF BANKS." Baltic Journal of Economic Studies 7, no. 2 (March 26, 2021): 77–82. http://dx.doi.org/10.30525/2256-0742/2021-7-2-77-82.
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The article studies the approach to assessing the banking digitalization influenced by economy digitalization, dynamically spread electronic payments, e-commerce, and innovative digital service technologies. Digitalized banking services, widespread online platforms and digital customer communication channels require an approach to assessing the banking digitalization identifying the bank’s competitiveness, strengths and weaknesses strategically. The aim is to develop a banking digitalization indicator system and assessment methods within a complex indicator. To achieve this, the research applied generalization, grouping, systematization to form a grouped indicator system; static, dynamic, structural indicator assessment methods; normalization and integration by arithmetic mean. This approach utilizes the banking digitalization indicators systematically generalized by three groups: digital banking platform indicators; bank’s digital service indicators; indicators of digital communications with the bank’s customers. Each group provides a flexible indicator set to track the changing banking digitalization trends. Outlining the mathematical transformation of indicators into a single integrated indicator determines the use of innovative products and services and substantiates the areas of ensuring competitiveness and improving the bank’s development strategy. While assessing the banking digitalization, this approach grants the following advantages: this analytical tool monitors, analyses, and assesses the banking digitalization trends; banks will realize the strengths and weaknesses of digital tools to ensure the banking market competitiveness; competitive positioning of a bank in the banking service market; analysing, assessing, and positioning improve the bank’s development strategy, relevant technologies, and digital transformation tools. Future research should consider an approach to improving the development of the bank’s marketing strategy utilizing digital technologies.
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Kahveci, Eyup, and Bert Wolfs. "Digital banking impact on Turkish deposit banks performance." Banks and Bank Systems 13, no. 3 (August 1, 2018): 48–57. http://dx.doi.org/10.21511/bbs.13(3).2018.05.
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The technological developments in the banking sector have significant implications for banks and are dramatically changing the way retail banks conduct their business. Banks can invest in digital banking (DB) services either to acquire a strategic advantage or because doing so has become a strategic necessity. This study is organized to examine if DB service channels have any positive or negative impact on Turkish deposit banks’ performance. With this aim in mind, in the first stage of the proposed DEA model, physical assets are used. Then, in the second stage, DB service channels are added to see if they have any impact on banks’ performance. The results show that the banks are investing in DB services just to keep the competition as it is. In other words, they invest in DB services as a strategic necessity. DB services do not provide any strategic advantage to any banks in terms of financial performance or efficiency since the banks are already efficient. Investing in DB only helped to preserve their strategic positions. The Turkish deposit banking industry is very competitive and very profitable, and it is necessary to invest in DB services just to keep the competition as it is.
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Siddarth, M. "Financial Performance of Digital Banking Sector in India." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (October 3, 2018): 264–66. http://dx.doi.org/10.31142/ijtsrd18719.
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Maltsevich, Natallia, Тatiana Рrokhorova, and Elena Oshurkevich. "DIGITAL PATH TO SUSTAINABILITY THE BANKING SECTOR OF BELARUS." Economic discourse, no. 1-2 (May 31, 2021): 82–91. http://dx.doi.org/10.36742/2410-0919-2021-1-9.
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Introduction. The article examines the functioning of digital technologies in the banking sector of the Republic of Belarus; the emphasis is on the development of remote banking services and the formation of a national model of secure payments. The necessity of introducing banking innovations in the digital economy to transform the format of banking services is substantiated and promising areas of digital transformation that contribute to the sustainable development of the banking system of Belarus are analysed. Methods. The methods of theoretical generalization and empirical methods were applied in the course of the research to determine the foundations for building approaches to the digital path of sustainable development of the banking sector at the present stage; the systemic and structural method was applied to highlight the current positions of the digital transformation of the banking sector and ways to increase its stability and efficiency. The task of this scientific work is to find relevant directions for the development of banking activities in the context of the introduction of inno-vations in the modern digital economy. Results. The key dominants of the introduction of banking innovations in the digital economy are evaluated, taking into account the directions of the formation of cross-channel banking infra-structure. The necessity of introducing banking innovations in the digital economy to transform the format of banking services aimed at ensuring sustainable development has been substantiated. Discussion. The need to implement and actively apply banking innovations in the digital econ-omy to transform the format of banking services in order to ensure sustainable development of the banking sector in Belarus. In the future, the sustainable development of the banking system in the direction of introducing innovations will ensure the competitiveness of banking products and services in comparison with neobanks and fintech projects, taking into account the substantiated directions for the development, regulation and implementation of banking innovations in the digital economy. Keywords: banking services, digital technologies, innovative trends in banks.
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Moridu, Irwan. "PENGARUH DIGITAL BANKING TERHADAP NILAI PERUSAHAAN PERBANKAN." Jurnal Riset Akuntansi Politala 3, no. 2 (December 29, 2020): 67. http://dx.doi.org/10.34128/jra.v3i2.50.
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The purpose of this study is to look at and analyze the effect of digital banking on the profits of banking companies by studying at PT. Bank Negara Indonesia (Persero) Tbk during 2013 - 2019. The method used is descriptive quantitative in which the data is processed using multiple linear regression. The data collection method is a non-participant observation by taking data from financial statements. The results of the study found that an increase in the number of financial transactions using Digital Banking, namely SMS Banking, Mobile Banking, and Internet Banking, partially did not affect the increase in profits, this is possible because of the inconvenience and doubt of customers in the use of Digital Banking, while simultaneously the results of this study The results show that the effect is not significant, meaning that overall Digital Banking is influential, although not significantly to PT. Bank Negara Indonesia (Persero) Tbk.
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Lydiana, Yessie Fransiska, Prof Aurik Gustomo, and Dr Yuni Ros Bangun. "Future Banking: A Literature Review." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (June 16, 2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(30).
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Nowadays, digital transformation is a buzzword in an academic and business environment. Business, education, banking, government, manufacturing – almost every industry is being "digitally transformed" in the period of the fourth industrial revolution. Many studies, specifically in the last 25 years, tried to discover the elements, drivers, and barriers of digital transformation and the value creation through digital transformation (Verina & Titko, 2019). There is a variety of digital technology strategies. The consumer behaviour triggers a series of technological advances, for every bank must continue to prepare for the future of banking. Conventional banks that currently still have customers, namely traditionalists who feel they don't need digital channels, must also be ready (Insight, 2020). Likewise, digital banking must be ready for the use of future technology. The failure of banks to adapt to consumer needs and the adoption of digital technology will have a significant impact. The speed or phase in digital transformation for banking, specifically in Indonesia, is not the same. Digital transformation in Indonesia's banking industry started quite late compared to other Asian countries, such as Malaysia, Singapore and South Korea. This is due to, among other things, the geographical conditions of Indonesia, which is an archipelago where digital literacy is not homogeneous, and people still have traditional beliefs and preferences for doing their banking in conventional physical branches (Winasis, 2020). The Indonesia Financial Services Authority (FAS) stated that by 2030 in Indonesia, all current banks would be digital, so it is expected that there will be no more branch offices. In addition, native/traditional banks are currently competing with challenger banks and fintech. Banking must be able to know its position in the middle of this digital transformation phase to find the right strategy for future requirements. There are many papers that study about the digital transformation in many industries including banking, but the research about the parameter that can be used to define the future banking itself still few. The purpose of the study is to enrich the existing literature about the future banking by collecting the parameter for the future banking and answer the research question: How the future banking looks alike? Keywords: Future Banking, Digital Transformation, Open Banking, Banking Transformation, Indonesia Banking
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Rubanov, Pavlo M. "Transformation of the Banking Sector in the Digital Era." Mechanism of an Economic Regulation, no. 4 (2020): 110–18. http://dx.doi.org/10.21272/mer.2019.86.11.
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In the context of global digitization of the economy and development of alternatives to banking services, the transition to open platforms and their integration with the FinTech sector becomes relevant. The article identifies four levels of integration between banks and FinTech companies: traditional banking, digital banking, open banking and Open-X banking. At the current stage, the first three models coexist. Traditional banking includes classic banking services (loans, deposits, payments) for individuals and corporate clients, as well as investment banking. Digital banking involves the use of various channels of banking services for clients, among which the digital channel plays a significant role. The analysis of digital banking let to define its main features in terms of the financial services consumers and the bank. Open banking is based on the bank’s ability to engage non-banking intermediaries ecosystems and third parties to the banking service provision and to interact with them through such technologies as application programming interfaces (API). In the research of the оpen banking the main reasons for the cooperation of FinTech companies with banks are considered. These include inhanced visibility by partnership with an established brand, achieving economies of scale, etc. The highest level of integration of banks and FinTech companies and the future development trend of the banking sector is Open-X banking. The main features of Open-X banking include: sharing rather than sole ownership; information is a primary resource instead of tangible assets; partnerships between market actors are formed instead of developing the product independently or purchasing ready-made software solutions; focus on providing a positive customer experience from working with the bank instead of offering a specific product. Key words: banking sector, banking services, digital banking, digitalization, FinTech, integration, open banking.
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Sivakumar, Arunkumar, Ravali Priya Pentapati, and Shrivats Srinivasan. "Factors Influencing Customers’ Insights on Digital Banking: An Empirical Study." Journal of Applied And Theoretical Social Sciences 4, no. - (May 3, 2022): 12–25. http://dx.doi.org/10.37241/jatss.2022.53.
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In this liberal global economy, technology has substituted all the aspects of the conventional and established style of life, and the banking field is no special case for this dynamic phenomenon. In India, digital banking is expanding at an expeditious pace propelled by marketing master plans assumed by many commercial banks. Traditional and customary banking can never be subverted despite aggressive responses to digital banking. The prime objective of this study and article is to brief the digital banking customer’s perspective on “whether digital banking is a supplement or substitution to the traditional way of banking?” The theoretical framework comprises the factors that affect digital banking: they are Service quality, Customers persuasion, demographic variables, and Existing technology, respectively. The population of this project is from Karaikal, Tamil Nadu, India, and was studied using systematic random sampling. The statistical values are obtained using Correlation, Regression analysis, and One Way ANOVA. The proposed study evaluates various factors impacting digital banking and suggests a few steps to take digital banking one step ahead.
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Avis, Oleg Usherovich, and Vladimir E. Kosarev. "Glimpse of interaction between traditional and digital banking instruments." Vestnik of Astrakhan State Technical University. Series: Economics 2021, no. 1 (March 31, 2021): 101–7. http://dx.doi.org/10.24143/2073-5537-2021-1-101-107.
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The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.
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Melnychenko, Svitlana, Svitlana Volosovych, and Yurii Baraniuk. "DOMINANT IDEAS OF FINANCIAL TECHNOLOGIES IN DIGITAL BANKING." Baltic Journal of Economic Studies 6, no. 1 (March 16, 2020): 92. http://dx.doi.org/10.30525/2256-0742/2020-6-1-92-99.
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The purpose of the research is the definition of the dominant ideas of financial technologies in digital banking. The methods of theoretical generalization, qualitative, quantitative and correlation analysis, causality tests, description and explanation are used, which made it possible to establish the relationship between the volume of investments in financial technologies and the performance of the banking system, identify the areas of application of financial technologies in the activities of the bank, determine the dominant ideas of financial technologies in digital banking and to uncover the factors and prospects of intensifying the use of financial technologies in digital banking in Ukraine. Results of the research are to substantiate the impact of artificial intelligence, biometrics, cloud services, big data, blockchain and open banking services on digital banking. Due to financial technologies in digital banking, it is possible to generate and store large amounts of data, simultaneously analyze and apply the results of their analysis, provide personalized banking services, perform the functions of central storage of information about the client of financial and non-financial nature, which facilitates the effective investment and credit decision-making, as well as improving the level of information security of banking operations. Practical implications. Financial services markets are transformed by the impact of financial technologies. Development of financial technology instruments by non-banking institutions necessitates the identification of opportunities for their use in banks. The set of financial technologies used by banks forms the digital banking system, the development level of which is the main competitive advantage of the bank in the business environment. Digital banking is characterized by the continuity and security of banking services, which provide the consumer with the ability to receive them online anywhere around the clock, personalization of banking services, digital authentication of users and digitization of banking transactions with the replacement of paperwork. The use of financial technologies in digital banking enables to automate customer segmentation processes, reduce costs on payment transactions, optimize accounting, financial and tax accounting, improve customer service and expand your customer base while maximizing revenue in certain business segments. Value/originality. The basic spheres of the use of financial technologies in digital banking, as well as the factors and prospects of intensifying the use of their instruments in Ukraine are revealed. The main areas of use of financial technologies in digital banking are customer behavior analysis, transaction monitoring, customer identification and segmentation, fraud management, banking services personification, risk assessment and regulatory compliance, customer response analysis, process automation, financial advice, investment decision-making, trade facilitation, syndicated loan services, and P2P transfers. The prospects for developing financial technology tools in digital banking include strengthening the interaction between regulators, banks and financial technology companies, the increased use of biometrics, the development of neo-banking and open banking services.
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RUSTAMOV, TAMERLAN H. "DIGITAL BANKING AND ITS ESSENCE. THE AZERBAIJANI MODEL." Economic innovations 23, no. 3(80) (August 20, 2021): 306–18. http://dx.doi.org/10.31520/ei.2021.23.3(80).306-318.
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Topicality. The article describes the current transition period of replacing traditional banking with remote banking at a time of deepening the digital transformation of the banking system and the characteristics of this period, as well as the ecosystem changes of this period. Joseph Schumpeter's concept of "Creative Destruction" on the application of innovations in economic processes and its application to the banking system were explained.Aim and tasks. By defining the concept of digital banking, three main approaches to the formation of a digital banking platform were distinguished, including the characteristics of these approaches.Research results. The analysis explains a number of features that characterize digital banking and shape its unique business model, including a horizontally integrated product and service chain based on a fully digital platform, minimization and zero physical contact, and an open platform based on the “Spider web” principle. The characteristics of the legal framework for the creation of digital banking from scratch in Singapore and Hong Kong, which have advanced financial market infrastructure, were analyzed. The main factors of the Australian approach were touched upon. The different approaches to the digital banking model (no new licensing procedure or special licensing requirements), protection of the rights of customers of financial services users, the legal form of digital banking and the legal address in the licensed country are described in the digital banking business model examples are shown. As a follow-up to the study, the Republic of Azerbaijan was selected as the country where the separate licensing process for digital banking was not applied.Conclusion. The main steps to be taken to form a digital banking model in the Republic of Azerbaijan on the basis of the “greenfield” approach and the reforms implemented in the framework of the existing legislation have been announced.
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Kozak, Sylwester, and Bartosz Golnik. "Migration of the Banking Sector to Digital Banking in Poland." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 13, no. 3 (September 1, 2020): 284–94. http://dx.doi.org/10.2478/ers-2020-0021.
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SummarySubject and purpose of work: The aim of the article is to present selected aspects of the digitization process of the banking sector in Poland, including the role of the digital channel in the sale of banking products.Materials and methods: The research is of comparative character and is based on data from the financial website PRNews.pl, NBP, KNF and the ECB Bank.Results: Mobile banking in Poland is highly concentrated. In 2016-2019, the five largest banks serviced 82% of all mobile banking customers, and their number increased by 27% annually.Conclusions: Digitization simplifies the process of obtaining and processing information and contributes to reducing operating costs. However it also forces banks to prepare appropriate security and implement costly technological investments. It increases the availability and quality of banking services, and moves customer service from banking branches to the digital channel. Additionally it contributes to reducing the network of branches and the number of employees employed in them.
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Gupta, Anjali, and Purushottam Kumar Arya. "Banking Reforms in India with Special Reference to Digital Banking." Asian Journal of Research in Banking and Finance 9, no. 7 (2019): 12. http://dx.doi.org/10.5958/2249-7323.2019.00009.9.
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Utami, Pertiwi. "DIGITAL BANKING REFLECTION AND ZAKAT ACCOUNTABILITY SHARIA BANKING IN INDONESIA." DIKTUM: Jurnal Syariah dan Hukum 17, no. 2 (December 17, 2019): 264–79. http://dx.doi.org/10.35905/diktum.v17i2.801.
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ABSTRACT
Digital banking and the accountability of good zakat can increase interest in paying zakat on the benchmarking of sharia. On the other hand, technological advances such as the use of artificial intelligence make the role of human resources shifted. Even though human resources (labor) are one of the potential sources of zakat revenue. Zakat literacy and interest in paying zakat are also low in Islamic banking. The researcher did not find zakat data in statistical reports on Islamic banks nationally. It seems that it was only found in the presentation of reports about the sources and uses of private Islamic bank zakat funds. This can lead to the perception that Islamic banks do not optimally manage zakat. Through literature studies, researchers provide a solution to how zakat management can be done to increase interest in paying zakat but can still maintain the use of human resources (work). The conclusion obtained is that interest in paying zakat on Islamic banks cannot be maximally realized if it is not supported by internal efforts. Efforts that can be made are transparency of zakat reports, increased literacy, acceleration and optimization of digital management of Islamic bank zakat.
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Utami, Pertiwi. "Digital Banking Reflection and Zakat Accoutability Sharia Banking in Indonesia." Eastern Journal of Economics and Finance 4, no. 1 (2019): 31–40. http://dx.doi.org/10.20448/809.4.1.31.40.
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KOVALENKO, Viktoriia. "Digital transformation of the banking sector of the economy of Ukraine." Fìnansi Ukraïni 2021, no. 3 (April 19, 2021): 84–98. http://dx.doi.org/10.33763/finukr2021.03.084.
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The article considers the main digital transformational changes in the banking business. The current state of banks' use of financial digital technologies is analyzed, and the factors of digital transformation that affect their financially stable development are singled out. It is determined that the digitalization of the world economy over the past decade has posed new challenges to the banking system, which are caused by increased competition in the financial services market. The factors of emergence of financial intermediaries of the new generation and the need for digital transformation of contemporary banks are described. It is proved that the digital transformation of the banking sector of the economy is due to the development of financial technologies, digital marketing channels and innovation. Three main holistic proposals for FinTech development have been identified. The digital transformation of the banking business is changing not only the supply to customers. It is changing the contours of the business and staffing requirements. Such tools as ATMs and self-service terminals, telephone banking, SMS banking, Internet banking and mobile banking represent the evolution of customer access channels to banking services based on the use of information and communication technologies. The article considers the basic scheme of transformation of a classical bank into a dynamic system of a digital bank by gradually forming the directions of digital distribution. Further digital transformational changes in the banking business should be aimed at the vectors of financial education of consumers of banking services, regulation of the cryptocurrency market in Ukraine, definition of common standards of regulation and supervision of banks and non-banking institutions in the area of digital financial services.
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Sutikno, Sutikno, Nursaman Nursaman, and Muliyat Muliyat. "The Role Of Digital Banking In Taking The Opportunities And Challenges Of Sharia Banks In The Digital Era." Journal of Management Science (JMAS) 5, no. 1 (January 30, 2022): 27–30. http://dx.doi.org/10.35335/jmas.v5i1.125.
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Rapid technological developments gave birth to digital banking or better known as digital banking. How to prepare Islamic banks in taking opportunities and challenges in the digital era. sharia banking in Tangerang city in facing the digital era. This study uses a qualitative method with a phenomenological approach to find the opportunities and challenges of Islamic banks in the digital banking era. Data collected through observation, interviews, and documentation. The results of this study found that there are opportunities and challenges that faced by Islamic banks in the digital era, namely; 1) the convenience felt after the emergence of digital banking begins with the convenience of transactions without having to go to a direct bank. 2) digital banking is a sharia concept based on Islamic religious teachings which is far from usury. 3) accelerates the activities of Islamic banks in Malay This is the customer. The challenges experienced by Islamic banks in this digital banking era are due to the high level of competition against conventional banks and the delay in internet networks that are always lagging behind
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Litvishko, Oleg, Kamar Beketova, Bibigul Akimova, Assem Azhmukhamedova, and Gulnara Islyam. "Impact of the Digital Economy on the Banking Sector." E3S Web of Conferences 159 (2020): 04033. http://dx.doi.org/10.1051/e3sconf/202015904033.
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In the article innovations in banking and foreign experience of digitalization studies. Catalyst of banking activity main factors of development of banking innovations considered as. The study allows us to set the boundaries of the digital banking model, determine the specific features of its activities and banking services to deepen the understanding of the subjects of the banking system of modern features of the development of the banking industry allows. Presented materials identification of the level of development of banking services for orientation and theoretical basis, it may be the digitalization of banking processes in terms of the impact of their activities on the transformation credit organizations and banking systems of countries around the world aimed at improving efficiency promotes coordination.
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Babarinde, Gbenga F., Matthew O. Gidigbi, Julius T. Ndaghu, and Idera T. Abdulmajeed. "Digital Finance and the Future of Nigerian Banking System: A Review." Nile Journal of Business and Economics 6, no. 16 (December 30, 2020): 24–35. http://dx.doi.org/10.20321/nilejbe.v6i16.02.
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Digital finance is a type of financial service that employs digital products like personal computers, the internet, mobile phones, cards linked to a digital payment system. Innovations in the digital world cannot be divorced from Nigerian financial services most notably the banking sector. Therefore, it means that banking industry cannot but embrace digital innovations in their services delivery. Hence, there is a need to review the impact of digital finance in the Nigerian banking sector. Desk research method was used to examine how innovations in the digital world could impact the future financial service delivery in the Nigerian banking sector. From the review, it was that the digital world is quickly changing and this impacts banking in all ramification. It is recommended that the banking industry should try to keep pace with the digital innovations, for them to be able to meet up the demands of their digitally-savvy customers.
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Kraus, Kateryna, Nataliia Kraus, and Oleksandr Marchenko. "Management of BAIS: Technological Trends and Digital Initiatives 4.0." VUZF Review 6, no. 2 (June 29, 2021): 88–99. http://dx.doi.org/10.38188/2534-9228.21.2.11.
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Successful operation of modern banking institutions significantly depends on the use of the latest information and communication technologies in process management, from motivation and communication with staff, to remote control of banking operations. Purpose of scientific research is a study of the principles and features of banking automated information system in terms of implementation of the latest information and cloud technologies by banking institutions. The object of scientific research is banking automated information system of banking institutions. The result of the article: research proved that the creation and selection of banking automated information system of banking institution is based on the planning of all systems related to the functioning of the complete infrastructure of the bank, built on information technology; the causes and consequences of various risk situations by channels of their occurrence (information Web-site, e-mail, network systems, system failures, electronic payment systems and data transmission systems, electronic channel) in the banking sector as a result of using a bank automated information system are substantiated; key areas of banking automated information system and the elements of the system of risk situations that arise in the banking sector as a result of the use of banking automated information system are described; main requirements for information support of banking institution and the main criteria for choosing banking automated information system of a banking institution are identified. Practical implications: priority ways of overcoming the risks of introduction of banking automated information system are offered, taking into account the scope and spread of risks. At the same time, the methods of providing cloud services used by banking institutions were evaluated. Value/originality: the introduction of a banking automated information system of a banking institution today is impossible without the use of cloud technologies (infrastructure as a service – IaaS, software as a service – SaaS, platform as a service – PaaS), each of which has a number of strengths and weaknesses.
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Dudin, M. N., S. V. Shkodinskii, and D. I. Usmanov. "Key Trends and Regulations of the Development of Digital business Models of banking services in Industry 4.0." Finance: Theory and Practice 25, no. 5 (October 28, 2021): 59–78. http://dx.doi.org/10.26794/2587-5671-2021-25-5-59-78.
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The subject of the research is trends in the implementation of digital technologies in the banking sector. The relevance of the paper is due to the objective processes of global digital intervention of technologies in all spheres of human life and society. The research aims to identify, systematize and generalize key trends and regulations in the development of digital business models of banking services in Industry 4.0. For the first time, the authors identified and systematized modern trends and regulations in the development of digital business models of banking services in Industry 4.0, offered their own conceptual vision of the concept of “digital business model of banking services”. The authors apply general scientific, philosophical, analytical, statistical, problem chronological and historical-genetic methods, as well as methods of expert assessments. The article summarizes the main stages of the evolution of business models of the banking sector, reveals substantive and methodological differences between traditional remote banking services and digital banking, highlights the main business models for organizing digital banking; provides up-to-date data on the level of development of digital banking in the main geographic zones of the world; shows the dynamics and key areas of investment in the fintech industry in 2014–2019 and provides a critical analysis of their conditions; identifies problematic aspects of the development of digital business models of banking; describes the functionality of the main digital business models of Russian banks with the author’s assessment of their capabilities and examples of their use in Russian practice. The authors conclude that the main drivers of digitalization of the banking sector are stable growth of non-cash payments in the world and in Russia; stable growth of the global digital banking market; the impact of the COVID-19 pandemic on the active demand of consumers of remote financial services; increased competition in the retail banking market; and a significant decrease in margins for traditional banking products. Identification and systematization of trends and regulations in the implementation of digital business models of banking services can form the basis for further analysis of the specifics of digitalization and personalization of digital banking in Industry 4.0 for the sustainable socio-economic development of the country in terms of possible advantages and threats to the security of financial resources and personal data of customers.
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Ituma, Afam Icha, Adil Riaz, and Muhammad Hasnain Ali. "EXAMINATION OF DIGITAL AND NON-DIGITAL FACTORS ON PERCEPTION OF MOBILE BANKING CUSTOMERS: A CASE OF DEVELOPING ECONOMY." DECEMBER 37, no. 04 (December 31, 2021): 388–99. http://dx.doi.org/10.51380/gujr-37-04-02.
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The purpose of current study is to examine perception of mobile banking customers about digital and non-digital factors in Pakistan. The population of current study consists of current and future users of mobile baking in Pakistan. In this study, mobile banking usage is considered as dependent variable and seven variables (5-digital & 2-non-digital) have been selected as independent variables. The SPSS version 16 was used to analyse and report the data collected through an administrative questionnaire. The results of current study indicated that non-digital factors (Need of service and service quality) has insignificant relationship with perception of the mobile banking customers. Also, results indicated a significant relationship between digital factors (Performance expectancy, effort expectancy, relative advantage, trust and security) with perception of mobile banking customers. As a practical implication of the study, current study facilitate banking sector to facilitate their customers and retain their customer base. Banks used these results to identify the social norms of their banking customers and link them with mobile banking technology to facilitate them.
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Tarigan, Herdian Ayu Andreana Beru, and Darminto Hartono Paulus. "Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)." Hang Tuah Law Journal 3, no. 2 (March 14, 2020): 170. http://dx.doi.org/10.30649/htlj.v3i2.128.
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<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>
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Nugroho, Antonius Sony Eko, and Mohammad Hamsal. "Research Trend of Digital Innovation in Banking: A Bibliometric Analysis." Journal of Governance Risk Management Compliance and Sustainability 1, no. 2 (October 31, 2021): 61–73. http://dx.doi.org/10.31098/jgrcs.v1i2.720.
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This paper aims to analyze research trends of Digital Innovation in Banking scientifically through bibliometric studies. Initial data were collected using Publish or Perish from 2011 to 2021 by searching for published papers indexed by Crossref, Google Scholar, Microsoft Academic, and Scopus database. The results show that scientific publications of Digital Innovation in Banking have increased gradually since 2016. The Scopus database is used because it contains journals and conference proceedings deemed more relevant by the academic community with detailed DOIs. VOSviewer and Microsoft excel were used as the tools to analyze co-authorship, co-occurrence, and citation obtained from the Scopus database. The visualization of the research trends of Digital Innovation in Banking resulted in three co-occurrence clusters leading to some of the topic areas mentioned in the results; 1) Digital Innovation in Banking related to the technology implementation and environmental innovations, 2) Digital Innovation in Banking business management in the world, and 3) Digital Innovation in Banking in relating to its effect and benefit to society. Technology is rapidly changing the financial services industry, especially banks. Digital innovation resulting from the use of digital technology will help banking improve customer experience and maintain banking performance. These study findings will help researchers recognize the research trends of Digital Innovation in Banking globally and suggest future research directions.
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Sarkar, Kaustav K., and Rukmini Thapa. "From Social and Development Banking to Digital Financial Inclusion: the Journey of Banking in India." Perspectives on Global Development and Technology 19, no. 5-6 (February 4, 2021): 650–75. http://dx.doi.org/10.1163/15691497-12341575.
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Abstract The Indian banking and financial sector has endured a long journey from social and development banking to digital banking and financial inclusion. In recent years, there has been a growing consensus in support of digital financial inclusion. Several influential international entities argued strongly in favor of digitization of banking and expansion of digital finance. We tried to understand the journey of Indian banks through the lens of historical and economic changes, ranging from social and developmental banking to digital financial inclusion. In particular, the journey has been analyzed in the context of the changing role of the state, data-driven banking, and the infrastructural base required for a digital banking and payment system. Further, drawing experiences from other emerging nations, an attempt has been made to understand how far digital financial inclusion would be successful in India in reaching the unbanked and marginalized.
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Chuvilova, Oksana N., Inna V. Merkulova, Natalya V. Wiederker, and Alina A. Dzhigarkhanova. "FEATURES AND PROSPECTS OF DIGITAL BANKING DEVELOPMENT IN THE RUSSIAN BANKING SERVICES MARKET." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4, no. 10 (2021): 37–42. http://dx.doi.org/10.36871/ek.up.p.r.2021.10.04.006.
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The article is devoted to the analysis of the development of digital banking in Russia today, the main features of digital banking are considered, as well as its prospects in the Russian banking market are evaluated. The introduction of digital innovation technologies is a sustainable platform for ensuring stable and long-term growth in the efficiency of banks and financial institutions. Digitalization is the modern strategic priority of banking technologies in the global economy. The relevance of the chosen topic is due to the com-prehensive transformation of the banking sector based on the introduction of digital technologies in the activ-ities of banks, which is a new stage in the development of banking.
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Jannah, Izma Fadlun, Inayatillah Djakfar, and Azimah Dianah. "PENGARUH KUALITAS DIGITAL BANKING TERHADAP KEPUASAN NASABAH PADA BNI SYARIAH CABANG BANDA ACEH." JIHBIZ :Global Journal of Islamic Banking and Finance. 2, no. 1 (June 30, 2020): 1. http://dx.doi.org/10.22373/jihbiz.v2i1.8576.
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Layanan perbankan digital (digital banking) merupakan sebuah inovasi perbankan dalam memberikan pelayanan cepat yang bisa diakses kapan dan dimana saja kepada nasabah. Layanan perbankan digital dapat mempermudah nasabah dalam melakukan pembukaan buku rekening, transaksi perbankan, registrasi, komunikasi, dan penutupan rekening. Terkait dengan ini mutu atau kualitas layanan digital banking tentunya akan berdampak kepada kepuasan nasabah.Penelitian ini bertujuan untuk mengetahui sejauh mana pengaruh kualitas digital banking mempengaruhi kepuasan nasabah pada BNI Syariah KC Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan pengambilan sampel menggunakan metode non-probability Sampling. Alat analisisnya menggunakan analisis regresi linier berganda. Hasil penelitian dengan pengujian hipotesis menunjukkan bahwa variabel kualitas desain website, kualitas informasi website, accuracy, speed, dan security secara simultan berpengaruh terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah. Secara parsial variabel kualitas desain website dan kualitas informasi website tidak berpengaruh terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah. Sedangkan variabel accuracy, speed, dan security berpengaruh signifikan terhadap kepuasan nasabah pengguna digital banking pada BNI Syariah.
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Minin, Alexey. "Digital transformation in the banking industry." Public Administration 20, no. 1 (2018): 60–63. http://dx.doi.org/10.22394/2070-8378-2018-20-1-60-63.
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Kumar Saini, Rajesh. "DIGITAL INFRASTRUCTURE PROLIFERATION IN BANKING SYSTEM." International Journal of Advanced Research 8, no. 5 (May 31, 2020): 392–94. http://dx.doi.org/10.21474/ijar01/10936.
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SHYAM SUNDAR, ITIKELA. "DIGITAL TECHNOLOGY IN BANKING POST DEMONETIZATION." International Journal of Engineering Technologies and Management Research 7, no. 7 (July 7, 2020): 8–14. http://dx.doi.org/10.29121/ijetmr.v7.i7.2020.711.
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This research investigates the differences in the technology adoption behaviour of customers of Indian banks during the pre and post demonetization phase. The Survey results of 200 bank customers in India find that the Indians are still holding back from embracing the digital platforms to make payments. The study could not establish the constructive effects of demonetization in e-banking adoption behaviour, despite the significant growth in the use of small digital payment platforms like Paytm. However, the usage of Point of Sale (POS) machines for transacting payments has increased tremendously. The research finds drastic reductions in the use of other e-payment modes during and after demonetization. In that sense, the study concludes that the demonetization negatively affects the technology banking adoption behaviour of customers of Indian banks.