أثر رأس المال الفكري في جودة الخدمات المصرفية : الترويج الإلكتروني كمتغير معدل في المصارف التجارية الأردنية = The Impact of Intellectual Capital on the Banking Services Quality : E-Promotion as Moderating Variable in the Jordanian Commercial Banks

2020 ◽  
pp. 52-97
Author(s):  
أحمد ، غدير محمد سعيد علي
Keyword(s):  
Intellectual Capital ◽  
Commercial Banks ◽  
Services Quality ◽  
Banking Services ◽  
The Impact

scholarly journals The Impact of Electronic Banking Service Quality in Enhancing Performance (A study on Jordanian Commercial Banks)

2017 ◽  
Vol 7 (3) ◽  
pp. 148
Author(s):  
Abood Saleh Ahmad AL-Adwan ◽  
Samar Suliman AL-Tarawneh
Keyword(s):  
Commercial Banks ◽  
Services Quality ◽  
High Rate ◽  
Quality Performance ◽  
Banking Services ◽  
Banking Service ◽  
Survey Population ◽  
Quality Dimensions ◽  
Financial Indices ◽  
The Impact

The measurement of Performance is not any more limited to standards and financial indices, it expanded to concern other aspects; for example: gaining new customers and attain their satisfaction and loyalty, and expand the market share, all of this can contribute in achieving a high rate of earnings to the bank. The sector of Jordanian commercial banks is considered one of the most vital sectors of Jordanian economy due to the volume of investment and the number of employees. This study concerns to know the impact of the E- Banking Services Quality in enhancing Performance. In that, a group of the most important E- Banking Services Quality dimensions in the electronic field has been selected to figure out its impact on Performance.This study is trying to figure out the level of the E- Banking Services Quality in Jordanian banks, also to know its impact on these banks Performance. The survey population consisted of the Jordanian commercial banks, and to achieve the study goals the researcher has developed the questionnaire to include (51) paragraph to collect the preliminary data from the survey population whereas the survey population consists of (1900) respondents. A random sample of (320) respondents has been chosen from top and middle management, in that the data has been collected and analyzed in addition to testing the hypotheses using the Statistical Package for the Social Sciences (SPSS).Keywords: Quality, performance, services Quality, E- services, E-banking services Quality, the commercial banks.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

scholarly journals The Effect Of Intellectual Capital On The Financial Performance Of Libyan Banks

2020 ◽  
Vol 5 (4) ◽  
Author(s):  
Khalad M. S. Alrafadi
Keyword(s):  
Financial Performance ◽  
Intellectual Capital ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Value Added ◽  
Organizational Structures ◽  
Private Banks ◽  
The Impact

This study examines intellectual capital (IC) performance of Libyan banks during the period from 2004 to 2010, using value-added intellectual coefficient (VAIC) methodology, and investigates the impact of IC on financial performance. It identifies the IC components that may be the drivers of the traditional indicators of bank success. The results of the study showed that private banks are more concerned with the components of intellectual capital compared to commercial banks and specialized banks. The results also showed that there is a positive relationship between the components of the (VAIC) and the (ROA). The study recommended that Libyan banks should add a post or position to manage intellectual capital in their organizational structures to help structure relevant strategies and policies on how to obtain, utilize and develop the best resources required for intellectual capital.  

A Multidimensional View of Intellectual Capital: The Impact on Innovation Performance

2021 ◽  
Vol 7 (4) ◽  
pp. 216
Author(s):  
Mostafa A. Ali ◽  
Nazimah Hussin ◽  
Hossam Haddad ◽  
Reem Al-Araj ◽  
Ibtihal A. Abed
Keyword(s):  
Intellectual Capital ◽  
Commercial Banks ◽  
Quantitative Methods ◽  
Banking Sector ◽  
Economic Trend ◽  
Sampling Technique ◽  
Innovation Performance ◽  
Competitive Advantages ◽  
Tangible Assets ◽  
The Impact

The current economic trend worldwide is for an industrial economy based on tangible assets to convert into a non-tangible economy based on intellectual capital. Lately, a multidimensional view of intellectual capital and its implications on innovation performance have generated renewed research interests. Based on these facts, the relationship amongst different antecedent factors such as culture and trust on intellectual capital components was analysed. In addition, a correlation among intellectual capital components (as non-tangible assets) and innovation performance for the banking sector was established. The positivism philosophy, deductive approach and quantitative methods were used as the research methodology to accomplish the research objectives. In this process, a questionnaire survey and purposive sampling technique were used to collect the responses from 364 employees of the Iraqi commercial banks. The obtained data were analysed statistically using the SPSS v25 and AMOS v24 software. The results revealed a significant impact of culture and trust (antecedent factors) on various intellectual capital components. Furthermore, a strong connection between these antecedent factors and intellectual capital components was evidenced, confirming the study hypotheses. Interestingly, intellectual capital components were found to enhance significantly the innovation performance of the banks, leading to better competitive advantages. In addition, it provided evidence on the impacts of inter-relationships amongst human, structural and relational capitals. Consequently, the study provides academicians and practitioners valuable insights into and guidance on how developing intellectual capital enhances competitive performance, especially in the context of Iraqi commercial banks.

Investigating determinants of competitiveness of the retail banking service in Vietnam: a customer approach

2020 ◽  
Vol 20 (1) ◽  
Author(s):  
Nguyen Dac Thanh ◽  
Luu Thi Thuy Duong ◽  
Nguyen Huu That ◽  
◽  
◽  
...  
Keyword(s):  
Service Quality ◽  
Commercial Banks ◽  
Distribution Channels ◽  
Retail Banking ◽  
Banking Services ◽  
Banking Service ◽  
Specific Factors ◽  
Big Cities ◽  
The Impact

This study is conducted to clarify the impact of the factors on the competitiveness of retail banking services in Vietnam’s commercial banks from the customer’s approach. The hypothesis in this paper is proposed that the competitiveness of retail banking services is related to the following factors: service quality, fees, distribution channels, promotion activities, and brand. The data is used from the survey conducted by 438 individual customers who have been using retail banking services in Vietnam’s big cities. This paper shows that the specific factors which are positively impact the competitiveness of retail banking services in Vietnam can be seen as prices (service fees), promotion activities, brand and distribution channels and service quality. The findings in this research could be an academic basis towards the improvement of the policies for retail banking services in Vietnam.

scholarly journals Are Commercial Agent Banking Services Worthwhile For Financial Inclusion?

2021 ◽  
Vol 12 (2) ◽  
pp. 206
Author(s):  
Md. Imran Hossain ◽  
Md. Al-Amin ◽  
Md Abu Toha
Keyword(s):  
Emerging Economies ◽  
Commercial Banks ◽  
Econometric Model ◽  
Adult Population ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Three Dimensions ◽  
Banking Services ◽  
The Impact

In recent times, commercial agent banking services have got considerable attention from academia and the banking industry for accelerating financial inclusion in emerging economies. However, it's incomprehensible to accelerate the economic progression through financial inclusion while ignoring a huge segment of the nonbank people from unprivileged areas. A very few studies have been conducted on the association between agent banking services and financial inclusion in emerging economies such as Bangladesh. The present study aims to investigate the impact of agent banking services provided by commercial banks on financial inclusion. To begin with the investigation, this study was based on agency theory considering the purposive sampling technique. This quantitative study was conducted on 19 commercial banks which are currently providing agent banking services in Bangladesh. An econometric model was proposed whereas the dependent construct has one specific dimension named as financial inclusion proxy by several accounts as a percentage of the adult population, in contrast, the independent construct had three dimensions named as-deposited amount, credited amount, and inward remittance of agent bank. In addition to that, this econometric model was based on secondary data whereas data analysis was conducted by considering panel data statistical method using GRETL (2019) software. This statistical analysis revealed that currently both the deposited amount and credited amount do have a significant impact on financial inclusion.  It has also been inferred that using agent banking for in-warding remittance and new accounts open by clients have a positive significant relationship with financial inclusion. It is argued that agent banking services by comprising unbanked people in financial inclusion will ultimately prompt the opportunity for proper mobilization of resources and funds while maintaining safety and security. Further, it is also claimed that this study would assist to illustrate the present performance of agent banking services in financial inclusion from a multidimensional perspective which will contribute to providing some more innovative and sustainable products and services towards the unbanked people. Finally, this study recommends that commercial banks through agent banking should include a maximum number of nonbank populations into the financial inclusion by ensuring sustainable agent banking services which will accelerate the emerging economics Sustainable Development Goal (SDGs) performance.

scholarly journals The impact of intellectual capital on the profitability of commercial banks in Serbia

2018 ◽  
Vol 63 (216) ◽  
pp. 85-109 ◽  
Author(s):  
Sinisa Radic
Keyword(s):  
Panel Data ◽  
Intellectual Capital ◽  
Commercial Banks ◽  
Banking Sector ◽  
Value Added ◽  
The Other ◽  
Capital Efficiency ◽  
The Subject ◽  
The Republic ◽  
The Impact

The subject of the research in this paper is the impact of intellectual capital efficiency on the profitability of commercial banks in the Republic of Serbia. The efficiency of commercial banks? intellectual capital was measured by the created value added in the observed period, using the Value Added Intellectual Coefficient methodology (VAIC). Empirical analysis was carried out using econometric analysis of panel data for 27 banks that were operating in the banking sector of the Republic of Serbia in the period 2008-2016. The results of the analysis show that the significance of the impact of the efficient use of intellectual capital on the profitability of banks operating in Serbia depends on the selected profitability measure. When ROA is chosen as an indicator of profitability the bank?s level of indebtedness determines the sign of this influence, so at higher levels of indebtedness efficient use of intellectual capital negatively affects the profitability of the bank. On the other hand, in this case the size of the bank does not significantly affect the dependence of the bank?s profitability on the efficient use of its intellectual capital. If ROE is a measure of the profitability of banks the efficient use of intellectual capital has no significant impact on banks? profitability.

Potential Population Segments to Expand the Customer Base of Commercial Banks in the Context of Population Ageing

2015 ◽  
Vol 2015 (1) ◽  
pp. 60-86
Author(s):  
Nadezhda Galkina
Keyword(s):  
Marketing Strategy ◽  
Commercial Banks ◽  
The Elderly ◽  
Small Towns ◽  
Population Ageing ◽  
Banking Services ◽  
Customer Base ◽  
Working Age ◽  
Potential Population ◽  
The Impact

The article examines the process of reducing the population of working age and its effect on marketing strategy of commercial banks in Russia. The author first explores the process of the population ageing in Russia during the 20th and 21st century and provides information concerning the provision of banking services to different age segments. The analysis concludes with an examination of several population segments which should be of interest to commercial banks facing the population ageing. They include the elderly, children and the youth as well as the population of Russia’s small towns. The author’s analysis is based on foreign experience which proved successful while involving the population out of the working age in the use of banking services. The article could be of interest to the experts studying the impact of population ageing and marketers.

Commercial Banks' Digital Paradigm and Customers Responses in the UAE

2020 ◽  
Vol 1 (1) ◽  
pp. 68-79
Author(s):  
Muhammad Jumaa
Keyword(s):  
Commercial Banks ◽  
Descriptive Analysis ◽  
Consumer Loyalty ◽  
Banking Services ◽  
Factors Influencing ◽  
Negative Effect ◽  
Inferential Analysis ◽  
The Impact ◽  
Central Factors ◽  
Calculated Standard Deviation

One of the central factors influencing the banks in the UAE is the changing needs and perceptions of the customers towards digital banking services. With this significance, the researcher made an attempt to study commercial banks' digital paradigm and customer's responses. Based on this, the volume of business and the customer's top 11 banks were identified for the study. For collecting data from the respondents pretested scheduled questionnaire was used. In order to finalize the number of samples the researcher calculated standard deviation and found the sample size was 350. Collected data was analyzed by the researcher to know the impact of digital banking services and the customer responses. The researcher has done an inferential analysis followed by descriptive analysis. This analyst recognized factors, which were embraced amid the examination included; privacy, reliability, technology, convenience, security, and satisfaction. Among every one of the elements, innovation and accommodation reflected negative connection thinking about negative effect by and large consumer loyalty.

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