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Journal articles on the topic 'Internet banking'
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Diniz, Eduardo H., and Heloísa Mônaco dos Santos. "Internet banking." GV-executivo 5, no. 3 (October 3, 2006): 41. http://dx.doi.org/10.12660/gvexec.v5n3.2006.34299.
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Hoje em dia, a utilização de Internet banking já está incorporada às práticas do negócio bancário. Contudo, há não mais do que dez anos, a realidade era bem diferente. Utilizando o estudo de caso de um banco brasileiro pioneiro na adoção da Internet, o artigo explora fatores para a incorporação e consolidação desta na estratégia do setor bancário. A análise do caso mostra que a adoção de novas tecnologias é fenômeno complexo que envolve dimensões de ordem social, cultural, política e, naturalmente, econômica.
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Saxby, S. "Internet banking." Computer Law & Security Review 24, no. 3 (January 2008): 280. http://dx.doi.org/10.1016/j.clsr.2008.01.017.
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Makawa, Elizabeth. "INTERNET BANKING." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (May 21, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem34310.
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The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the banks. This research work was undertaken to ascertain the impact of Internet banking in Indian banks and evaluation of its effectiveness in the banking system. To put this study on a unique out look I’ve designed together information while personal questionnaires interaction was paid purely to areas of customers and cashiers of Indian bank and review of related literatures to the main themes and sub themes. It was ascertained that Internet banking has helped the banks to attain goals and objectives. KEYWORDS:internet banking, information technology,electronic transfers
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Smith, Alan D. "Internet retail banking." Information Management & Computer Security 17, no. 2 (June 5, 2009): 127–50. http://dx.doi.org/10.1108/09685220910964009.
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Dzomira, Shewangu. "Internet banking fraud alertness in the banking sector: South Africa." Banks and Bank Systems 12, no. 1 (April 26, 2017): 143–51. http://dx.doi.org/10.21511/bbs.12(1-1).2017.07.
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This paper analyzes internet banking fraud alertness to the general public by the South African banking institutions. The study is centered on routine activity theory, which is a criminology theory. A qualitative content analysis was used as the research technique for the interpretation of the text data from each bank’s website through the systematic classification process of coding and identifying themes or patterns to provide an in-depth understanding of internet banking fraud alertness in the banking sector. A sample size of 13 out of 16 locally and foreign controlled retail banks in South Africa was used. The findings report that banks are not adequately providing internet fraud alertness information to the general public on their websites notwithstanding that most banks they do provide such information to log-in users and the use of that information is doubtful. This study suggests a need to augment internet banking fraud alertness information and passably inform internet banking users of the types of internet banking fraud perpetrated by internet fraudsters before they log-in for transacting. Considering the current and widespread quandary of internet banking fraud, the information of this paper is important for internet banking users to improve their aptitude in identifying fraudulent schemes and circumvent them, and for the banking institutions to invest more in the provision of internet banking fraud information to the general public.
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Alam, Md Mahtab, and Dr Umesh R. Dangarwala. "Internet Banking Customer Satisfaction and Online Banking Service Attributes." Indian Journal of Applied Research 1, no. 6 (October 1, 2011): 198–99. http://dx.doi.org/10.15373/2249555x/mar2012/66.
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Dzomira, Shewangu. "Financial consumer protection: internet banking fraud awareness by the banking sector." Banks and Bank Systems 11, no. 4 (December 22, 2016): 127–34. http://dx.doi.org/10.21511/bbs.11(4-1).2016.03.
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This paper examines internet banking fraud awareness by the banking sector in Southern Africa as financial consumers’ protection. The study is grounded on routine activity theory and criminology theory. A qualitative content analysis research technique was used for examination of the text content data through the consistent nomenclature process of coding and classifying themes or patterns to proffer a meticulous considerate of internet banking fraud awareness in the banking sector. The findings suggest that internet fraud awareness to the general public through website is very low by many Southern Africa banks. Most of the banks disclose less than half of the identified internet banking fraud awareness to the general public on their websites. Although some banks have internet fraud information on internet banking applications, however, the authentic efficacy of this information is tentative. This proposes that most of the financial customers engage internet banking transactions without sufficient awareness on potential internet threats and attacks. There is, consequently, high likelihood of financial consumers being internet banking fraud victims. Keywords: internet fraud, internet banking, fraud awareness, financial consumer. JEL Classification: G21, D18
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Bank Indonesia, Tim Penelitian Pengaturan Perbankan. "INTERNET BANKING DI INDONESIA." Buletin Ekonomi Moneter dan Perbankan 5, no. 1 (October 11, 2003): 37–64. http://dx.doi.org/10.21098/bemp.v5i1.304.
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Perkembangan pelayanan jasa-jasa perbankan yang dilakukan melalui internet semakin marak seiring dengan pertumbuhan teknologi informasi yang semakin cepat. Faktor inovasi produk dan perkembangan teknologi sudah merupakan bagian yang tak terpisahkan dengan perkembangan industri perbankan untuk meningkatkan kualitas pelayanan sehingga menjadi lebih cepat, bagus dan efisienNamun demikian, masalah keamanan bertransaksi serta perlindungan nasabah menjadi perhatian tersendiri untuk pengembangan intenet banking ke depan, terutama karena tidak adanya kepastian hukum bagi nasabah dimana belum terdapat suatu bentuk pengaturan atas kegiatan internet di Indonesia. Masalah keamanan tidak hanya untuk kepentingan nasabah tetapi juga untuk kepentingan bank penyelenggara internet banking itu sendiri maupun industri perbankan secara keseluruhan.Bank Indonesia sebagai otoritas pengawas bank sangat berkepentingan untuk menjaga agar bank-bank pelaksana internet banking senantiasa menerapkan prinsip-prinsip kehati-hatian dalam perbankan (prudential banking operation), manajemen risiko dan perlindungan terhadap nasabah (customer protection) dalam penyelenggaran jasa perbankan melalui internet mengingat ketergantungan terhadap teknologi dan pihak ketiga sangat tinggiKajian mengenai internet banking ini nantinya akan menjadi bahan penyusunan pedoman serta dasar pemikiran dalam pembuatan ketentuan atau peraturan mengenai internet banking di Indonesia.Key Words : Website, Prudential Banking Operation, Risk Management, Customer Protection
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Marakarkandy, Bijith, Nilay Yajnik, and Chandan Dasgupta. "Enabling internet banking adoption." Journal of Enterprise Information Management 30, no. 2 (March 6, 2017): 263–94. http://dx.doi.org/10.1108/jeim-10-2015-0094.
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Purpose The integration of relevant antecedents into TAM would lead to better understanding of the decision factors which act as enablers for the adoption of internet banking. The purpose of the paper is to determine the influence of the antecedents subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, trialability and government support on the existing constructs of the technology acceptance model (TAM) and to test measurement invariance and the moderating effect of the demographic variables on the relationship between the latent constructs used in this augmented TAM. Design/methodology/approach A survey questionnaire was administered on internet banking users and a total of 300 responses were collected. A two-step approach suggested by Hair et al. (2006) and Schumacker and Lomax (2004) was used in this study. The proposed model was assessed using the confirmatory factor analysis approach. The structural model was then tested in order to establish nomological validity. The data based on four demographic dimensions gender, age, income, education were divided into two groups for each of these demographic dimensions. The invariance test was first performed on the measurement model and then on the structural model. The measurement model and structural model were subjected to tests of equivalence of parameters across groups. Findings To a large extent the results of the study supports the proposed model and thereby contributes to understand the influence of subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk and government support on internet banking adoption. The predictor variables in the augmented TAM were able to explain 29.9 per cent of the variance in the actual usage of internet banking as compared to the TAM which was able to explain only 26.5 per cent variance in the actual usage of internet banking. A significant difference in the relationship between the different constructs of the model was observed when the model was subjected to multi-group invariance testing. Research limitations/implications The study suffers from the same limitations as most other studies involving TAM. In this study self-reported measures about the usage were taken as the actual usage. The findings of the study can be of use to marketers for target-specific marketing by customizing the marketing campaign focussing on the factors that were found to be strong influencers leading to the usage of internet banking for each target audience. Originality/value The main challenge in this study was to develop the conceptual model for the internet banking adoption by extending the TAM and to get a robust theoretical support from the extant literature for the relevant factors along with their relationship to uncover new insights about factors responsible for the internet banking adoption. The augmented model had an improved predictive capability and explanatory utility.
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Callaway, Stephen K. "Internet banking and performance." American Journal of Business 26, no. 1 (April 22, 2011): 12–25. http://dx.doi.org/10.1108/19355181111124070.
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Hiltgen, A., T. Kramp, and T. Weigold. "Secure Internet banking authentication." IEEE Security & Privacy Magazine 4, no. 2 (March 2006): 21–29. http://dx.doi.org/10.1109/msp.2006.50.
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AbuShanab, E., and J. M. Pearson. "Internet banking in Jordan." Journal of Systems and Information Technology 9, no. 1 (August 22, 2007): 78–97. http://dx.doi.org/10.1108/13287260710817700.
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Kaneshige, Tom. "Banking on the Internet." Network Security 1995, no. 6 (June 1995): 11. http://dx.doi.org/10.1016/1353-4858(96)89723-6.
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Borgeest, Rolf. "Innovation im Internet-Banking." Bankmagazin 47, S4 (April 1998): S10—S11. http://dx.doi.org/10.1007/bf03241021.
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Kraus, Stefanie. "„bib — bedientes internet banking“." Bankmagazin 59, no. 1 (January 2010): 26–27. http://dx.doi.org/10.1007/bf03240692.
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Nel, Jacques, and Christo Boshoff. "Enhancing the use of internet banking in an emerging market." South African Journal of Economic and Management Sciences 17, no. 5 (November 28, 2014): 624–38. http://dx.doi.org/10.4102/sajems.v17i5.775.
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Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.
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Waruwu, Jon Putra Niaman, Samueli Laia, Ria Sintha Devi, and Muhammad Yasid. "TINJAUAN YURIDIS TERHADAP TRANSAKSI PERBANKAN MELALUI INTERNET BANKING." JURNAL RECTUM: Tinjauan Yuridis Penanganan Tindak Pidana 5, no. 1 (December 21, 2022): 263. http://dx.doi.org/10.46930/jurnalrectum.v5i1.2591.
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Ketika sistem hukum perdata Indonesia mengakui dan UU perbankan yang mengatur tentang bank maka timbullah uu yang mengatur tentang E-banking sehingga ditimbulkan uu yang mengatur Internet bankng dan sistem mengoperasikannya.Dalam pemilihan judul Skripsi “Tinjaun Yuridis Terhadap Transaksi Perbankan Melalui Internet Banking.” 1.Bagaimana Pertimbangan Hukum terhadap Nasabah Transaksi Perbankan Melalui Internet Banking? 2. Bagaimana pertanggungjawaban Bank dalam perbankan melalui internet banking? 3. Bagaimana kendala dalam transaksi perbankan melalui internet banking serta bagaimana solusinya? Jenis penelitian ini menggunakan penelitian yuridis normatif/doktrinal, menggunakan data primer dan sekunder. Pengumpulan data menggunakan metode studi kepustakaan, semua data penelitian yang sudah terkumpul, dianalisis menggunakan metode analisis kualitatif. Hasil dari penelitian mengenai tanggung jawab layanan internet banking pada bank terhadap nasabah bahwa karakter hokum perjanjian pembuatan layanan internet banking pada bank termasuk pada perjanjian tertulis, perjanjian baku, perjanjian bersifat kepercayaan, perjanjian pemberian kuasa dan bersifat mengikat yang dibuat dan disepakati oleh pihak bank dan nasabah, bentuk tanggung jawab dan perlindungan hukumyang diberikan oleh bank kepada nasabanya telah sesuai dengan Undang-Undang yang berlaku akan tetapi pada saat ini belum ada Undang-Undang yang mengatur secara langsung terkait dengan internet banking, namun hal tersebut dikaitkan dengan Undang-Undang Perbankan, Peraturan BankIndonesia, Undang-Undang Perlindungan Konsumen, Undang-Undang tentangInformasi dan Transaksi Elektronik, Undang-Undang tentang Telekomunikasi serta peraturan Perundang-undangan lainnya, upaya yang dilakukan bank untuk meminimalisir risiko yang terjadi dalam layanan internet bankingdengan cara melakukan beberapa kebijakan-kebijakan seperti kebijakan privasidan kebijakan keamanan dan memberitahu kepada nasabah agar selalu menjaga kerahasiaan data. Dalam perbankan ini di minta keseriusan pemerintah serta pihak Legislatif agar lebih teliti serta lebih akurat lagi, dalam melakukan penegakkan hukum sesuai denagan perundang-undangan tang telah ada sehingga para Nasabah tetap terlindungi dalam melakukan transaksi.
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Das, Soumyajit, and Dr Pranam Dhar. "Technological Security Aspects for Internet Banking." Paripex - Indian Journal Of Research 3, no. 6 (January 15, 2012): 110–15. http://dx.doi.org/10.15373/22501991/june2014/35.
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Nasution, Mislah Hayati, and Sutisna Sutisna. "FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH TERHADAP INTERNET BANKING." NISBAH: JURNAL PERBANKAN SYARIAH 1, no. 1 (June 1, 2015): 62. http://dx.doi.org/10.30997/jn.v1i1.241.
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ABSTRAKLayanan internet banking yang merupakan pelayanan jasa bank sehingga nasabah memperoleh informasi, melakukan transaksi perbankan 24 jam sehari tanpa dibatasi ruang dan waktu asal terhubung dengan jaringan internet. Metode yang digunakan dalam penelitian adalah kuantitatif, dengan menggunakan test statistik. Data yang digunakan adalah data primer dan data sekunder. Data primer diambil langsung dari tempat penelitian dengan menyebarkan kuisioner dan wawancara yang merupakan sumber utama dalam penelitian ini. Dari penelitian ini diperoleh kesimpulan bahwa faktor-faktor yang mempengaruhi minat nasabah dalam menggunakan layanan internet banking adalah faktor kemudahan, keamanan, kenyamanan, efisien dan praktis. Dan faktor yang paling dominan mempengaruhi minat nasabah dalam menggunakan internet banking adalah faktor kenyamanan. Sedangkan untuk Chi Kuadrat menunjukkan terdapat pengaruh positif antara persepsi kemudahan dan persepsi kemanfaatan terhadap minat nasabah dalam menggunakan internet banking di PT. Bank BNI Syariah Cabang Bogor. Persepsi kemudahan ditandai dengan (84,37>11,341). Dan persepsi kemanfaatan bernilai (123,28>11,341), memperlihatkan bahwa nilai Chi Kuadrat hitung lebih besar dari nilai Chi-Kuadrat tabel.Kata Kunci : Minat Nasabah, Interner Banking
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Fitria, Annisa, and Aang Munawar. "Pengaruh Penggunaan Internet Banking, Mobile Banking Dan SMS Banking Terhadap Kepuasan Nasabah Bank BNI." Jurnal Informatika Kesatuan 1, no. 1 (August 4, 2021): 43–52. http://dx.doi.org/10.37641/jikes.v1i1.406.
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Berkembangnya teknologi dan informasi, bank di Indonesia mulai mengenal Internet Banking, Mobile Banking, dan SMS Banking, yang merupakan bentuk layanan perbankan secara elektronik dan melalui media internet. Dengan adanya fitur tersebut bank maupun nasabah sama-sama diuntungkan, bank dapat menghemat waktu operasionalnya dan nasabah tidak akan membuang waktu dan tenaga nya hanya untuk antri di Teller dan Costumer Service. Dengan Internet Banking, Mobile Banking, dan SMS Banking nasabah dapat melakukan transaksi dimanapun, kapanpun, dan kemanapun menjadi lebih terjaga kerahasiaannya. TUjuan Penelitian ini adalah untuk menganalisis pengaruh Internet Banking, Mobile Banking, dan SMS Banking terhadap Kepuasan Nasabah Bank BNI. Data Penelitian dianalisis menggunakan Analisis Regresu Berganda. Hasil Penelitian menunjukkan bahwa Internet Banking, Mobile Banking dan SMS Banking dengan kepuasan nasabah secara Bersama-sama berpengaruh positif dan signifikan terhadap kepuasan nasabah dengan nilai F Hitung sebesar 94.373 dan lebih besar dibandingkan F Tabel (1.985).
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Asuan, Asuan. "TRANSAKSI PERBANKAN MELALUI INTERNET BANKING." Solusi 17, no. 3 (September 1, 2019): 317–35. http://dx.doi.org/10.36546/solusi.v17i3.220.
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Internet banking is one of the bank's services to customers to obtain information, communicate and conduct banking transactions through the internet network, the implementation of which customers already have a bank account, ATM and User ID and PIN to conduct banking transactions through internet banking based on article 1320 and 1338 Civil Code. Act Number 10 of 1998 concerning Banking in article 5 concerning types of banks, namely commercial banks and people's credit banks and article 40 regarding bank secrecy, including matters of banking transactions through internet banking and legal protection provided by banks regarding the confidentiality of customer data. Disputes on banking transactions through internet banking (banks and debtors) can be resolved by referring to agreements agreed upon by the parties, dispute resolution can be done through court (litigation) or outside the court (non-litigation) based on Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution in article 6 concerning general disputes that can be resolved through arbitration.
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Bilal Ahmad Sheikh, Bilal Ahmad Sheikh. "The Relationship between Internet Banking and Banking Functions." International Journal of Educational Science and Research 8, no. 2 (2018): 109–18. http://dx.doi.org/10.24247/ijesrapr201816.
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Rahman, Zia Ur, Qazi Waseem Jan, and Waqar Ahmad. "Internet Banking; Challenges in Pakistan." Global Management Sciences Review VII, no. I (December 30, 2022): 35–44. http://dx.doi.org/10.31703/gmsr.2022(vii-i).03.
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Internet banking has made the financial transaction very easy to be carried out. In Pakistan as the internet banking is comparatively new and same is the case with financial transactions, there are some problems in performing or carrying out financial transactions. So a study was needed to point out the problems and weak points in internet banking. Questionnaire is used for data collection. Data has been collected from the available bank account holders from different regions in Pakistan. The research found people do not use internet banking. There is little awareness about internet banking. People’s perception about internet banking is not good because of the perceived risk. There is also a group of people who don’t use internet banking. By analyzing data taken from the respondents some recommendations are made. If those recommendations are applied then it is expected that most of the people will start using internet banking.
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Et. al., Mr G. Dhayanidhi,. "Impact Of Internet Bankingin Usage Of Consumer Satisfaction In Indian Banking Sector." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 10 (April 28, 2021): 7236–41. http://dx.doi.org/10.17762/turcomat.v12i10.5613.
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Internet Banking is set the use of the infrastructure for virtual age to create possibilities, each in local & worldwide market. IT allows the giant reducing of transaction price and the advent of recent kinds of banking possibilities that cope with the boundaries of time and distance. Banking possibilities are local, worldwide and on the spot in net banking. Internet banking is a web charge machine that allows clients of a financial institution or different economic establishments to behavior a number economic transactions via web sites of economic establishments. Internet banking has many benefits over different conventional banking shipping methods. Internet banking gives banks with an accelerated patron base, price savings, mass customization, product innovations, progressed marketing, and communication, the capacity to broaden non-center businesses, and the capacity to provide offerings no matter geography and time constraints, viewing account balances, latest transactions, ordering cheque books and lots of more. With the improvement of recent technology, Internet banking is anticipated to grow to be a main banking technique for clients. Internet banking reduces expenses via way of means of presenting clients with every other manner of having access to their bills with-out bodily touring a financial institution. The essential reason of this examine is to investigate numerous on line centers supplied via way of means of fundamental public and personal banks in India and to degree their effect on clients in phrases of patron satisfaction.
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Liyana dinie saffa. "Perkembangan Layanan Digital Produk Perbankan Syariah." Al-Hisbah Jurnal Ekonomi Syariah 4, no. 1 (March 29, 2024): 24–37. http://dx.doi.org/10.57113/his.v4i1.377.
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Perkembangan teknologi informasi menjadi tantangan bagi perbankan syariah untuk terus meningkatkan inovasi dan kreativitas dari produknya. Penelitian ini mencoba menganalisis perkembangan layanan digital dari produk - produk perbankan syariah seperti fintech, aplikasi akad qardh dan murabahah, serta layanan internet banking, phone banking, dan mobile bankin. Tujuan utama pada penelitian ini adalah untuk melihat perkembagan dan inovasi dari produk – produk perbankan syariah secara digital. Metode penelitian yang digunakan dalam penelitian ini menggunakan metode kualitatif dengan mengumpulkan literatur–literatur yang berkaitan dengan permasalahan. Hasil penelitian menunjukkan bahwa Dengan adanya pelayanan digital perbankan syariah seperti internet banking, mobile banking, phone banking, qris dll mampu meningkatkan pangsa pasar sehingga pangsa pasar perbankan syaraiah mengalami peningkatan dari tahun 2020 hingga 2023, hal ini dikarenakan karna masyarakat merasa mudah dengan adanya produk-produk digital.
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Hendarsyah, Decky. "Keamanan Layanan Internet Banking Dalam Transaksi Perbankan." IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 1, no. 1 (June 29, 2012): 12–33. http://dx.doi.org/10.46367/iqtishaduna.v1i1.2.
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Internet saat ini merupakan salah satu kebutuhan pokok terutama bagi pengguna teknologi informasi. Internet sudah merambah ke seluruh bidang kehidupan mulai dari bisnis, pendidikan, kesehatan dan lain-lain sebagai wujud kemajuan teknologi dan informasi. Dunia perbankan seolah tidak mau ketinggalan dengan kemajuan teknologi dan informasi. Buktinya perbankan saat ini sudah mengembangkan layanan dan jasa-jasa perbankan yang diselaraskan dengan kemajuan teknologi dan informasi. Sebagai contoh saat ini perbankan sudah mengeluarkan suatu layanan yang bernama Electronic Banking (E-Banking). Di mana salah satu layanan dari E-Banking adalah Internet Banking yang berfungsi sebagai alternatif melakukan transaksi perbankan secara online menggunakan Internet. Internet Banking mempermudah nasabah dalam bertransaksi perbankan secara online baik transaksi finansial maupun transaksi non finansial kecuali melakukan transaksi setoran atau penarikan tunai. Tetapi ketika menggunakan layanan Internet Banking apakah sudah aman? Karena ketika menggunakan Internet, perangkat komunikasi atau perangkat komputer terhubung ke jaringan komputer global, sehingga sangat rentan terhadap serangan keamanan atau kejahatan Internet Banking. Oleh sebab itu dalam makalah ini menjelaskan tentang konsep keamanan, manfaat internet banking, bagaimana bentuk-bentuk serangan keamanan terhadap Internet Banking. Kemudian dalam makalah ini juga memberi penjelasan bagaimana mencegah terjadinya serangan atau kejahatan dalam Internet Banking. Makalah ini juga menjelaskan model-model keamanan Internet Banking serta melakukan perbandingan terhadap layanan Internet Banking dari beberapa bank di Indonesia baik fasilitas maupun keamanannya. Sehingga nasabah bank yang ingin menggunakan layanan Internet Banking mendapat pengetahuan dan dapat memilih bank yang memberikan keamanan layanan Internet Banking lebih baik dan aman serta dapat mengurangi angka kejahatan online terutama dalam layanan Internet Banking.
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Mohd. Al-Hattami, Hamood, Abdulwahid Ahmed Hashed Abdullah, and Afrah Abdullah Ali Khamis. "Determinants of intention to continue using internet banking: Indian context." Innovative Marketing 17, no. 1 (February 22, 2021): 40–52. http://dx.doi.org/10.21511/im.17(1).2021.04.
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It is necessary to understand the customers’ perceptions of internet banking because it helps determining the direction and patterns of intention to continue using internet banking. This could also help bank policymakers to develop appropriate strategies to increase internet banking usage. The study aims to examine the determinants of user’s intention to continue using internet banking since there have been no systematic attempts to understand this aspect, especially in the Indian context. This research suggests and tests an extended model to predict the intention to continue using internet banking in India. The suggested study model was examined using survey data from 206 internet banking users. PLS-SEM was employed for data analysis. The findings imply that the most significant determinants of intention to continue using internet banking are service quality, trust, and user satisfaction. On the other hand, the study finds that intention to continue using internet banking is not impacted by system quality and information quality.
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Araz Hajizada, Shabnam. "İnternet bankçılığının cəmiyyətdə rolunun araşdırılması." SCIENTIFIC RESEARCH 06, no. 2 (February 27, 2022): 21–24. http://dx.doi.org/10.36719/2789-6919/06/21-24.
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Recently, in connection with the Covid-19 pandemic, the importance of technology has become better understood in society. This has manifested itself in the banking sector as well as in other fields. The banking sector is one of sectors that uses information and communication technologies intensely. The purpose of this research is to estimate the factors influencing the use of internet banking and the level of its acceptance by society. As a consequence of the study, the most important factors affecting the use and adoption of internet banking have been determined to be ease of use, convenience and effectiveness. The users of internet banking services have preferred to use it due to saving the time, available for 24 hours, rapid and convenient. But the reasons people who do not choose internet banking are that they do not find it safe and not to believe, they consider more confident to do banking application at the bank department. In this regard the research define that advantages and threats of internet on the banking sector. Key words: internet banking, online banking, internet technologies, consumer perception İnternet bankçılığının cəmiyyətdə rolunun araşdırılması Xülasə Son dövrlərdə Covid-19 pandemiyası ilə əlaqədar olaraq texnologiyanın əhəmiyyəti cəmiyyət arasında daha yaxşı dərk olunmağa başladı. Bu da özünü digər sahələrdə də olduğu kimi bank sektorunda da büruzə verdi. Bank sektoru informasiya-kommunikasiya texnologiyalarından intensiv istifadə edən sektorlardan biridir. Bu tədqiqatın məqsədi internet bankçılığından istifadəyə təsir edən amilləri və onun cəmiyyət tərəfindən qəbul olunma səviyyəsini öyrənməkdir. Tədqiqat nəticəsində internet bankçılığından istifadə və mənimsənilməsinə təsir edən ən mühüm amillərin istifadənin asanlığı, rahatlığı və effektivliyi olduğu müəyyən edilmişdir. İnternet bankçılıq xidmətlərindən istifadə edənlər vaxta qənaət, 24 saat əlçatan, sürətli və rahat olması səbəbindən onu istifadə etməyə üstünlük verirlər. İnternet bankçılığını seçməyən insanların səbəbləri isə onu təhlükəsiz hesab etməmələri və inanmamaları, bank şöbəsinə müraciət etməyi daha inamlı hesab etmələridir. Bu baxımdan araşdırma internetin bank sektorunda üstünlük və təhdidlərini müəyyənləşdirir. Açar sözlər: internet bankçılığı, onlayn bankçılıq, internet texnologiyaları, istehlakçı qayrayışı
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Kumar Sharma, Sujeet, and Srikrishna Madhumohan Govindaluri. "Internet banking adoption in India." Journal of Indian Business Research 6, no. 2 (June 10, 2014): 155–69. http://dx.doi.org/10.1108/jibr-02-2013-0013.
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Purpose – The purpose of this paper is to understand the factors influencing adoption of internet banking in urban India. Design/methodology/approach – A model has been proposed based on the technology acceptance model (TAM). The proposed model is referred to as extended TAM and is better suited to identify and quantify the important factors that influence adoption of internet banking technology in India. Primary data relating to the variables affecting technology adoption and demographic profile are collected using a questionnaire survey. Data were collected from 344 individuals who are either current/prospective internet banking users. Structural equation modeling was used to identify the important factors affecting internet banking technology adoption. Findings – The factors of perceived usefulness, perceived ease of use, social influence, awareness, quality of internet connection and computer self-efficacy are primary determinants of the attitude toward the use of internet banking in urban India. The attitude toward the use of internet banking can be used to predict the intention to use internet banking systems by users. Practical implications – This research enables internet banking service providers in urban India to design new service offerings or modify current service offerings to achieve higher adoption rates in internet banking. Originality/value – The paper investigates the adoption of internet technologies by banking users by proposing an extended TAM model that is more appropriate to capture the issues related to adoption in urban India. The paper is of value to researchers in the area of technology adoption and banking service providers in urban India.
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Alhawamdeh, Loai Naser Mahmoud, and Bardai Bardai. "Determinants of the Internet Islamic Banking Services Adoption in Jordan." IKONOMIKA 2, no. 2 (December 10, 2017): 103. http://dx.doi.org/10.24042/febi.v2i2.1878.
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Objective: The purpose of this study is to conceptually review the determinants of Internet Islamic Banking Services adoption.In addition, it presents a conceptual research model to understand these relationships supported by literature review from recent studies.Methodology:A critical literature review had been conducted in the area of internet banking services adoption model, Islamic banking and UTAUT theory and application. Results: The main findings indicate that familiarity, social influence, needs, customer background and IT support affect adoption of internet banking services. In addition familiarity, social influence, needs, customer background and IT support affect adoption of Islamic internet banking services .Therefore we can conclude that factors of internet banking services affect Islamic internet banking services. Implication: This researchpresents a conceptually yet empirically supported model to describe the factors influencing internet banking services and internet Islamic banking services. This research will be significant in several areas, by adding new knowledge for the academics, practitioners and organizations in general and particularly in JordanObjective: The purpose of this study is to conceptually review the determinants of Internet Islamic Banking Services adoption.In addition, it presents a conceptual research model to understand these relationships supported by literature review from recent studies.Methodology:A critical literature review had been conducted in the area of internet banking services adoption model, Islamic banking and UTAUT theory and application. Results: The main findings indicate that familiarity, social influence, needs, customer background and IT support affect adoption of internet banking services. In addition familiarity, social influence, needs, customer background and IT support affect adoption of Islamic internet banking services .Therefore we can conclude that factors of internet banking services affect Islamic internet banking services. Implication: This researchpresents a conceptually yet empirically supported model to describe the factors influencing internet banking services and internet Islamic banking services. This research will be significant in several areas, by adding new knowledge for the academics, practitioners and organizations in general and particularly in Jordan
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Arif, Muhammad, and Erni Masdupi. "Pengaruh Internet Banking Terhadap Kinerja Perbankan." Jurnal Ecogen 3, no. 4 (December 14, 2020): 598. http://dx.doi.org/10.24036/jmpe.v3i4.10435.
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Internet banking is an interesting topic. It has become one of the most important and modern applications that have many benefits. This research objects to analyze the impact of internet banking on banking performance at banks listed on the Indonesia Stock Exchange (IDX). This research also examines banking ratios such as size, capital, credit risk, expense management, liquidity, and macroeconomic factors, such as inflation and economic growth. The population that used in this research were all financial sector companies in the banking subsector listed on IDX. While the sample in the research was determined by purposive sampling method, so that 58 samples of companies were obtained during the 2010-2019 period. The data type is secondary data obtained by the IDX and the sample companies' annual reports. The data were analysed using multiple linear regression by way of SPSS 25. The results of the research concluded that internet banking has a negative and insignificant effect on banking performance, size and capital have a positive and significant effect. Credit risk, expense management and economic growth have a negative and significant effect on banking performance. Meanwhile, liquidity and inflation have a negative and insignificant effect on banking performance. Keywords : banking performance, internet banking, banking ratios
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Ong, Hway-Boon, Nahariah Jaffar, Voon-Choong Yap, and Mariati Norhashim. "Empirical analysis of internet and mobile banking in Malaysia." Asian Economic and Financial Review 13, no. 2 (January 31, 2023): 138–47. http://dx.doi.org/10.55493/5002.v13i2.4717.
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Internet and mobile banking deliver banking services through various cashless payment tools, such as debit and credit cards, direct transfers and electronic wallets. The usage of internet and mobile banking in Malaysia has increased, but it is uncertain if they facilitate retail consumption. If internet and mobile banking are the preferred banking services, their usage could stimulate retail consumption; otherwise, their usage will be short-lived and more work must be done to develop the internet and mobile banking sector. This study aims to determine the influence of internet and mobile banking on retail consumption in Malaysia. The diffusion of innovation theory is applied by examining how technologically aids cashless payment systems and how internet and mobile banking might facilitate retail consumption. The short-run and long-run influences of internet banking and mobile banking are analyzed based on the autoregressive distributed lag (ARDL) unrestricted error correction model. The ARDL unrestricted error correction model was estimated for retail consumption, represented by the monthly retail trade index, and internet banking and mobile banking are represented by the number of monthly internet and mobile transactions. The results suggest a bi-directional causal relationship between retail consumption and internet banking in the short run. In the long run, the internet and mobile banking transactions were found to significantly facilitate household retail consumption, but not vice versa.
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Audini, Irni, and Idrianita Anis. "ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING." INDONESIAN JOURNAL OF ACCOUNTING AND GOVERNANCE 1, no. 1 (December 10, 2019): 1–27. http://dx.doi.org/10.36766/ijag.v1i1.1.
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The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.
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Saad, Bani. "Analisis Faktor-faktor yang Memengaruhi Penggunaan Internet Banking di Jabodetabek." Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) 3, no. 1 (March 6, 2019): 38. http://dx.doi.org/10.35384/jemp.v3i1.116.
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Internet banking service allows customers to conduct banking transactions online via a bank’s website, anytime, anywhere, faster, and relatively lower cost compared to other physical media services. According to that condition, the researcher was motivated to analyze the influence of some factors that affect customer acceptance of Internet Banking in Jabodetabek, using the framework of Technology Acceptance Model (TAM) based on Pikkarainen et al. (2004). Some variables analyzed in this research are Perceived usefulness (PU), Perceived ease of use (PEoU), Perceived Enjoyment (PE), Information on Internet Banking (I), Security and Privacy (SP), Quality of internet connection (Q), & internet banking use (U). The respondents of this research are Bank customers in Jabodetabek who use Internet Banking. Based on the data analysis, only information on internet banking has a positive and significant effect on internet banking use, Other independent variable doesn’t have a significant effect on internet banking use.
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Ronny, Ronny, Tatik Suryani, and Iramani Iramani. "KUALITAS LAYANAN DAN TATA KELOLA INTERNET BANKING DARI PERSEPSI NASABAH." EKUITAS (Jurnal Ekonomi dan Keuangan) 20, no. 2 (September 4, 2018): 209–25. http://dx.doi.org/10.24034/j25485024.y2016.v20.i2.57.
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Bank dituntut untuk meningkatkan kualitas layanan bagi nasabah, termasuk layanan Internet Banking. Banyak model kualitas layanan menunjukkan beragamnya variabel dalam dimensi kualitas layanan untuk penelitian internet banking. Pada penelitian ini, dimensi kualitas layanan mengcakup 6 variabel terdiri atas Manfaat, Kemudahan, Keamanan, Efisiensi, Responsif, Kemampuan Fisik. Sebanyak 258 Responden telah dikumpulkan datanya dan dianalisis menggunakan regresi linear dan pendekatan analisis domain, diperoleh hasil penelitian bahwa Manfaat, Efisiensi, dan Kemampuan Fisik berpengaruh parsial signifikan positif terhadap Adopsi Internet Banking pada pengguna Internet Banking. Nasabah mempersepsikan bahwa perlunya Bank memperhatikan peningkatan adopsi internet banking dengan memperhatikan aspek keamanan, ketersediaan fitur, komunikasi, kemudahan, dan jaminan. Nasabah mempersepsikan Manfaat menggunakan internet banking adalah layanan internet banking yang aman, tersedia fitur transaksi sesuai kebutuhan nasabah, web bank yang mudah dipelajari dan digunakan. Penyelenggaraan internet banking yang baik memerlukan daya tanggap (responsif) yang tinggi dengan akses web bank yang cepat, dukungan layanan call center 24 jam tiap hari, penyelesaian masalah layanan internet banking dalam waktu yang dapat dipastikan, kompetensi petugas bank dengan pengetahuan yang memadai tentang internet banking.
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SABBIR, Md Mahiuddin, Md Safatur RAHMAN, Marzia NOMI, and Tasmin JAHAN. "UNDERSTANDING INTERNET BANKING USE IN BANGLADESH: THE ROLE OF INTERNET BANKING APPS, CUSTOMERS’ PERCEPTIONS AND GREEN CONCERN." TURKISH JOURNAL OF MARKETING 5, no. 2 (August 24, 2020): 100–120. http://dx.doi.org/10.30685/tujom.v5i2.89.
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The purpose of this study is to examine the effects of Internet banking apps, perceived usefulness, perceived security, perceived ease of use and green concern on Internet banking use. A self-ordered questionnaire was developed and administered to a simple random sample of 300 students, job holders, businessmen and housewives. Factor analysis, Pearson correlation and Multiple regression analysis were used to analyze data. The findings of this research indicated that all factors namely Internet banking apps, perceived usefulness, perceived security, perceived ease of use and green concern have significant impact on Internet banking use. More specifically, Internet banking apps and perceived usefulness have more influence on Internet banking use. As this study introduced relatively two new factors namely Internet banking apps and green concern in the context of Internet banking, further investigation of these two factors in different settings seems worthwhile. However, this study confirms the importance of these factors in using Internet banking in Bangladesh and also provides insights for bankers to understand the interest of consumer on Internet banking use.
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Susanto, Aries, Hwansoo Lee, Hangjung Zo, and Andrew P. Ciganek. "Factors Affecting Internet Banking Success." Journal of Global Information Management 21, no. 2 (April 2013): 72–95. http://dx.doi.org/10.4018/jgim.2013040104.
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Internet banking is a prominent example of Internet-based applications. Previous research has found that satisfaction, trust, commitment, and loyalty are important factors for Internet banking success. Resistance to adopt Internet banking is often attributed to the role of trust, security, and privacy in e-commerce systems. This study proposes a framework to examine behaviors toward Internet banking services in Indonesia and South Korea. A research model was empirically tested with data captured in a large-scale study. The results show that Indonesians’ use of Internet banking is strongly influenced by perceived security, while Koreans use of Internet banking is strongly influenced by privacy concerns. Trust and user satisfaction have a greater influence on loyalty for Indonesians while commitment has a greater influence on loyalty for Koreans. The study develops related conclusions including a discussion of the research implications.
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Andy, R., and A. Sujatha. "A Study on Customers Attitude towards the Problems of Internet Banking Services in Madurai City." ComFin Research 9, no. 1 (January 1, 2021): 17–21. http://dx.doi.org/10.34293/commerce.v9i1.3503.
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The banking industry has been developing by using Internet banking as a well-organized and practicable tool to create customer value. In the banking sector, different electronic delivery channels are increasingly used for delivering banking products and services that convenient for the customers at a low cost. Internet Banking (IB) is one among them in the banking sector. It is one of the smart services offered by traditional banks to offer speed and reliable services to online users. With the fast development of computer-based technology, the Internet Banking can draw more customers to perform banking dealings in related banks. However, the main issue of Internet banking faced by bankers is that a large number of banking customers are not ready to usethe Internet banking services offered by banks. This happens due to the services offered through Internet banking is yet to encourage its customers. Customer satisfaction is an important factor that helps the banks to maintain competitive advantages. Therefore, this study is to observe the factors that influence the customers’ satisfaction towards Internet banking. The study concentrates on the following factors that can influence customers’ satisfaction toward Internet banking, which include services, web design, security, and convenience. The sample size taken for the study was 100 respondents who provided valuable feedback to pertain to the above factors that influence customers’ decision to use Internet Banking.
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Ferli, Ossi. "FAKTOR MACROECONOMIC DAN BANK SPESIFIC DETERMINAN DARI PROFITABILITAS BANK DI INDONESIA DENGAN PENERAPAN INTERNET BANKING." Jurnal Ilmu Manajemen & Ekonomika 7, no. 2 (October 16, 2018): 103. http://dx.doi.org/10.35384/jime.v7i2.88.
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The purpose of this research is to use a linier regression model and analyze the effect of macroeconomic and bank spesific factors to profitability of banks in Indonesia considering the implementation of internet banking. Spesifically we analyze the performance different between banks with internet banking and non internet banking. We use data of 30 banks in Indonesia periode of 2008 until 2010.The result shows that macroeconomic and some of bank spesific factors also internet banking has a significant influence to banks profitability. The research also showed bank with internet banking has a better performance than non internet banking, mostly because the overall condition of the banks and that internet banking has been a complementary factor in bank service to their customer.Keywords: Internet banking, data panel, bank spesific, macroeconomic
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Latkovska, T., A. Marushak, and U. Oleksii. "LEGAL AND THEORETICAL PROBLEMS OF DETERMINING THE INTERNET BANKING IN UKRAINE." Financial and credit activity: problems of theory and practice 1, no. 36 (February 17, 2021): 27–34. http://dx.doi.org/10.18371/fcaptp.v1i36.227608.
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The article is focuses on the research of internet-banking from the standpoint of legal regulation and scientific-theoretical understanding. The growing role of innovative technologies in banking is justified. It is noted that the system of ways of providing banking services is dynamic and important both for the whole banking system and for the individual bank.
Various scientific approaches to the definition of «Internet-banking» are considered. It is proposed to consider Internet-banking as a form of banking and as a form of remote customer service to the bank. In the first approach, internet banking is a form of banking activity in which banking operations are carried out through the exchange of electronic signals, rather than by exchanging cash, checks or other types of documents. The second approach involves treating Internet banking as a system of remote servicing of bank customers used by them and banks to conduct banking transactions and provide banking services exclusively through the Internet.
The regulation of Internet-banking by legal acts is investigated and its extremely low level is emphasized. The necessity of establishing clear boundaries of use of Internet banking and a clearly defined range of banking services, which may or may not be provided via the Internet.
Attention is focused on the following systems of remote customer service of the bank: «telephone banking», «client — bank», «client — Internet bank» and «instant contactless payment». Each of these systems is characterized.
The significant difference between telephone banking and mobile banking is substantiated. In the first case, the person receives the service by phone through a call to the support service of the bank, and in this case, the availability of Internet access is currently irrelevant. And using mobile banking to perform any operations requires an Internet connection and the ability to use the mobile application installed on the phone, or go to the appropriate site using a personal computer.
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Thangavel, Chandrakumar, Ramya Thangavel, Elangovan Ramanujam, Deepthi Tabitha Bennet, and Preethi Samantha Bennet. "Consumer Perception of Internet Banking and Mobile Banking Using Twitter Analytics." International Journal of Sociotechnology and Knowledge Development 14, no. 1 (January 2022): 1–14. http://dx.doi.org/10.4018/ijskd.297978.
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Mobile and Internet banking have introduced a new way of monetary transactions without the need for physical presence. This research proposes to analyze the sentiments of people regarding digital transactions, Mobile and Internet banking. The explosion of Internet usage and the huge funding initiatives in electronic banking has drawn the attention of researchers towards Internet and mobile banking. This study focuses on customer value perceptions of the Internet and mobile banking in India. The recent and forecasted Digital India scheme shows high growth in e-banking in India. The demographic, attitudinal, and behavioral characteristics of mobile bank users were examined. In this study, datasets obtained from Twitter were used. After extensive and repeated analysis, it is found that both Mobile and Internet banking are well received, the number of positive Tweets, especially regarding mobile banking, is much higher than that of Internet banking. This leads to the interpretation that people find mobile banking easier and safer, especially during the ongoing COVID-19 pandemic.
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Annanurov, M. A. "Internet Banking Development Trends as a New Form of Organizing Interaction of Banks with Clients." Digital Transformation, no. 4 (January 7, 2021): 68–72. http://dx.doi.org/10.38086/2522-9613-2020-4-68-72.
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The article examines Internet banking, its main goals and objectives. The development of Internet banking abroad in the world andTurkmenistanis being considered. The services provided by Internet banking, its advantages and disadvantages are considered. The economic efficiency of the use of Internet banking in the commercial bank of Turkmenistan (AKB) «Rysgal» is determined. An important task of internet banking is to gain the trust of users. It is necessary to create a clearer legal framework for banks operating in the Internet banking market, this will increase the confidence of users in this type of banking services.
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Singh, Jaspreet, and Neena Brar. "Internet Banking Need of Current Scenario." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 2 (June 30, 2012): 67–72. http://dx.doi.org/10.24297/ijmit.v1i2.1448.
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Banking in India originated in the last decades of the 18th century. The IT revolution influenced the Indian banking system a lot. The use of computers had led to existence of online banking in India. The use of modern innovation and computerisation of the banking sector of India has increased many folds after the economic liberalisation of 1991 as the country's banking sector has been exposed to the world's market. The Indian banks were finding it hard to compete with the international banks in terms of the customer service without the use of the information technology and computers. Internet banking as a medium of delivery of banking services and as a strategic tool for business development, has gained wide acceptance internationally and is fast catching up in India with more and more banks entering the fray. In the light of this background, the objective of this paper is to study the perceived usefulness of Internet Banking. This paper tries to know the level of awareness among customers. This paper also tries to check the perception of risks closely connected with Internet Banking and study the scope of Internet Banking, so that companies can fulfill their duty in an appropriate and suitable manner.
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Patel, Kiran J., and Hiren J. Patel. "Adoption of internet banking services in Gujarat." International Journal of Bank Marketing 36, no. 1 (February 5, 2018): 147–69. http://dx.doi.org/10.1108/ijbm-08-2016-0104.
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Purpose The purpose of this paper is to validate the technology acceptance model (TAM) and its extended form to understand the factors influencing internet banking adoption in Gujarat. Design/methodology/approach Extended TAM incorporates perceived security and social influence, important variables in internet banking literature. Using a questionnaire survey, data relating to the variables are collected from 284 individuals who are/were using internet banking services and subjected to confirmatory factor analysis (CFA) to establish validity and structural equation modeling (SEM) to identify important factors influencing internet banking adoption. Findings The empirical results of SEM showed that the extended TAM has higher predictability than the TAM in internet banking settings. The results highlighted that the intention to use internet banking is positively influenced mainly by perceived security, followed by other significant factors, namely, perceived usefulness, perceived ease of use and social influence. Practical implications The findings of this paper enable internet banking service providers to develop/modify new/existing internet banking services in order to achieve higher adoption rates of internet banking. Originality/value Additional incorporated variables in a new model considerably contribute to improving the understanding of internet banking adoption in Gujarat.
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Ronny, Ronny, Tatik Suryani, and Iramani Iramani. "KUALITAS LAYANAN DAN TATA KELOLA INTERNET BANKING DARI PERSEPSI NASABAH." EKUITAS (Jurnal Ekonomi dan Keuangan) 20, no. 2 (February 2, 2017): 209. http://dx.doi.org/10.24034/j25485024.y2016.v20.i2.1787.
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A bank is required to improve the service quality for customers, including Internet Banking services. Many models of service quality show many variables in the dimensions of service quality for internet banking research. In this study, the dimensions of service quality includes six variables namely Benefits, Easiness, Security, Efficiency, Responsiveness, and Physical Ability. Data from 258 respondents have been collected and analyzed using linear regression and domain analysis approch, the finding of the research is that the Benefits, Efficiency and Physical Ability have significant positive effect to the adoption of Internet Banking in Internet Banking users. Bank customers perceive that the bank need to pay attention about the increased adoption of internet banking with the aspect of security, features availability, communication, convenience, and warranty. Customers perceive that the advantages of using internet banking is a secure internet banking service, availability of transaction features according to the customer’s needs, the bank website which is users friendly. The Implementation of good internet banking require high responsiveness (responsiveness) with fast access to the bank website, 24-hours call center service support, internet banking service problem solving with an ensured time , the competence of bank officials with adequate knowledge about internet banking.
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Sharma, Sujeet Kumar, Srikrishna Madhumohan Govindaluri, and Shahid M. Al Balushi. "Predicting determinants of Internet banking adoption." Management Research Review 38, no. 7 (July 20, 2015): 750–66. http://dx.doi.org/10.1108/mrr-06-2014-0139.
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Purpose – The purpose of this paper is to explore the main determinants of Internet banking users on the basis of literature of technology acceptance model (TAM). Understanding and predicting main determinants of Internet banking is an important issue for banking industry and users. Design/methodology/approach – Service quality and trust were incorporated in the TAM together with demographic variables. The data were collected using Google Docs from 110 Omani Internet banking users. A two-staged regression-neural network model was applied to understand and predict Internet banking adoption. Findings – The results obtained from multiple linear regression model were compared with the results from neural network model to predict Internet banking adoption and the performance of latter model was found to superior. The neural network model was able to capture relative importance of all independent variables, service quality, trust, perceived usefulness, perceived ease of use, attitude and demographic variables, whereas perceived ease of use and demographic variables were not significant predictors of Internet banking adoption as per the regression model. Practical implications – This study provides useful insights with regard to development of Internet banking systems to banking professionals and information systems researchers in Oman and similar emerging economies. Originality/value – This study is probably the first attempt to model Internet banking adoption in Gulf Cooperation Council using a predictive rather than explanatory focus. The majority of studies in Internet banking adoption in Oman and elsewhere usually utilize modeling methods suited for explanatory purposes.
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Zubaili, Zubaili, Zulkarnaini, Rizki Hamdani, Dwi Cahyani, Husna, Erlina Putri, and Siti Hajar. "Penggunaan dan Kepuasan Nasabah Terhadap Layanan E-Banking di BSI." Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi 2, no. 1 (June 30, 2023): 09–17. http://dx.doi.org/10.58477/ebima.v2i1.77.
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Currently, banks have issued a service called Electronic Banking (E-Banking). Where one of the services of E-Banking is Internet Banking which functions as an alternative to conducting banking transactions online using the Internet. Internet Banking makes it easier for customers to do online banking transactions, both financial transactions and non-financial transactions, except for making deposit transactions or cash withdrawals. But when using Internet Banking services, is there control or a chaotic system? Therefore, this article explains the reasons why customers use E-Banking services, the benefits perceived by customers, what are the obstacles faced by customers and suggestions or input on BSI E-Banking. Then in this article also provides an explanation of the experience of using E-Banking by customers. This article also explains the advantages and disadvantages of the E-Banking system. So that bank customers who wish to use Internet Banking services gain knowledge and can choose a bank that provides better and safer Internet Banking service security and can reduce disturbances in the E-Banking service system
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M. Ganesan and Dr. K. Prabhakar Rajkumar. "Measuring the Rural Customers’ Attitude: Knowledge and Influencing Factors of Internet Banking Usages." GIS Business 15, no. 2 (February 9, 2020): 31–45. http://dx.doi.org/10.26643/gis.v15i2.18896.
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Internet banking refers the systems that enable the customers to access their accounts and general information on bank products and service through the use of a bank’s website, without the intervention or inconvenience of sending letter, faxes original signatures. Internet banking as an “internet portal, through which customers can use different kinds of banking service ranging from bill payment to making investment”. Thus internet banking is the use of internet by bank customers for transacting their banking transactions. In other words, it is the use of internet by banks to deliver banking transaction. In other words, it is the use of internet by banks to deliver banking services to customers irrespective of their geographical location.
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K, Dr Anoop K. "Risk in Internet Banking: A Theoretical Approach." International Journal of Trend in Scientific Research and Development Volume-1, Issue-6 (October 31, 2017): 1090–95. http://dx.doi.org/10.31142/ijtsrd5755.
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Ofori-Dwumfuo, G. O., and Betty A. Dankwah. "Adopting Internet Banking in Ghana." Current Research Journal of Social Sciences 5, no. 4 (July 25, 2013): 143–51. http://dx.doi.org/10.19026/crjss.5.5549.
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