scholarly journals Perbandingan Faktor-Faktor Yang Mempengaruhi Penggunaan Electronic-Know Your Customer (e-Kyc)

2021 ◽  
Vol 6 (3) ◽  
pp. 189-200
Author(s):  
Mr. Fitree Tahe ◽  
Maria Ulfah Siregar
Keyword(s):  
Commercial Bank ◽  
Quantitative Research ◽  
Identity Verification ◽  
Bank Account ◽  
Online Transactions ◽  
Safety Awareness ◽  
External Impact ◽  
Technological Developments ◽  
Willingness To Use ◽  
Perception Of Security

There are many technological developments in banks, one of which is online transactions. To get these transactions, an account should be opened using the electronic know you customer (e-KYC) verification system at banks. This research wants to know the differences in the factors that influence behavioral intentions to use e-KYC to open a bank account for SCB (The Siam Commercial Bank) Thailand and Bank Mandiri Indonesia. This is quantitative research using a survey. We have prepared a questionnaire of 160 respondents: 80 for Bank Mandiri and 80 for SCB. The results indicate that the willingness to use electronic identity verification services influence by the availability of technology, the external impact of the network, safety awareness, perception of trust, and perception of security. The perception of security affects the perception of trust, and technical protection, also the transaction procedure does not affect the perception of trust.

Changing perceptions of biometric technologies

2021 ◽  
Author(s):  
Christie Franks ◽  
Russell Smith
Keyword(s):  
Quantitative Research ◽  
Personal Information ◽  
Personal Identification ◽  
Identity Verification ◽  
Qualitative And Quantitative ◽  
Biometric Systems ◽  
Australian Economy ◽  
Research Findings ◽  
Willingness To Use ◽  
The Impact

Identity crime and misuse cost the Australian economy an estimated $3.1b in 2018–19 (Smith & Franks 2020). Protecting individuals’ personal identification information and finding secure ways to verify identities has become an increased priority as the impact of identity crime continues to grow in Australia and worldwide. Biometric technologies for identity verification provide an enhanced security solution, although implementation of biometric systems within Australian society has met with varying degrees of acceptance. Since 2013, the Australian Institute of Criminology (AIC) has conducted online surveys to gain a greater understanding of identity crime and misuse in Australia. These surveys have asked about respondents’ experience of identity crime and also their previous use of, and future willingness to use, biometric technologies to safeguard their personal information. This report presents both qualitative and quantitative research findings obtained from a sample of respondents in the most recent surveys concerning their experiences of biometrics and perceptions as to its role in identity security.

scholarly journals Trustworthiness, Security and the Decision to Buy on Electronic Platforms: Validity studies of a scale

2020 ◽  
Vol 5 (1) ◽  
pp. 31
Author(s):  
José Pedro Cerdeira
Keyword(s):  
Psychometric Properties ◽  
Psychological Factors ◽  
Previous Experience ◽  
Convenience Sample ◽  
Online Transactions ◽  
Conceptual Clarification ◽  
On Line ◽  
Validity Studies ◽  
Perception Of Security ◽  
Trust Scale

The digitization of the economy is creating difficulties for traditional companies, jeopardizing the survival of the most resistant to change. With e-commerce platforms, small and micro-businesses can open new channels of communication with consumers, paying attention to some psychological factors that influence the decision to buy online: the perception of security, reputation, trust, appearance and design websites. The purpose of this article is to assess the importance of these factors in the decision to purchase online, using a questionnaire administered on line (GoogleForms) to a Portuguese convenience sample (n = 163). The results reveal differences based on sex and consumers' previous experience in carrying out online transactions, as well as significant associations between some of the dimensions of the online trust scale of Sevim and Hall (2014) and the use of e-commerce platforms. In the conclusions, some proposals for conceptual clarification are presented and the psychometric properties of the scale used are discussed.

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals ANALISA FAKTOR-FAKTOR YANG MEMOTIVASI PEREMPUAN BERWIRAUSAHA MELALUI BISNIS ONLINE (Studi Kasus Pada Ibu Muda di Kecamatan Bangkalan)

2018 ◽  
Vol 6 (2) ◽  
pp. 1-14
Author(s):  
S Anugrahini Irawati ◽  
Bambang Sudarsono
Keyword(s):  
Quantitative Research ◽  
Family Background ◽  
Sampling Technique ◽  
Young Mothers ◽  
Sample Collection ◽  
Business World ◽  
Women Entrepreneurship ◽  
Family Factor ◽  
Technological Developments ◽  
Online Business

The role of women in the business world needs to be considered, especially in the field of entrepreneurship. Technological developments in this case Information Technology can help simplify in conducting business activities known as online business. Online business activities help create new fields and job opportunities and help the family economy in particular. Most women who use the Internet as an opportunity to open jobs and fill their spare time in this case young mothers.The purpose of this research is to know the factors that motivate women entrepreneurship through online business. The population in this study are young mothers of Bangkalan subdistrict who have an online business. This research is a quantitative research. Sample collection was done by distributing questionnaires, using nonprobability sampling method with purposive sampling technique to 75 young mothers who do business online. To find out what factors motivate women entrepreneurship through online business then researchers use descriptive qualitative research methods. The results showed that there are six factors that are formed in motivating women entrepreneurship through online business especially in young mothers are family factor, Self Interest, Employment Opportunities, Technical Knowledge, Entrepreneurial Experience, Family Background, Market Potencial. Keywords: Factor Analysis, Motivation, Entrepreneurial Woman, Online Business

scholarly journals THE INFLUENCE OF THIRD-PARTY FUNDS, NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION WITH PROFITABILITY AS INTERVENING VARIABLE IN COMMERCIAL BANKS

2020 ◽  
Vol 4 (02) ◽  
Author(s):  
Sri Hermuningsih ◽  
Pristin Prima Sari ◽  
Anisya Dewi Rahmawati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Bank Lending ◽  
Third Party ◽  
Internal Factors ◽  
Negative Effect ◽  
The Government ◽  
The Relationship

Banks are financial institutions that collect and distribute funds in the forms of deposits such as savings, deposits, current accounts, etc. from and for people who need funds for various needs, such as for consumption, working capital or business capital, housing and investment. In addition, banks must help the community to improve their living standards by distributing funds or giving credit to people who need funds. This is in accordance with the function of the bank itself, namely the bank as the distributor of funds. The purpose of this research is to examine and obtain evidence about factors that influence loan distribution at a bank. Internal factors that influence loan distribution are Third Party Funds, Non-Performing Loans, and Profitability. Efforts to increase credit at banks require optimal efforts to raise third-party funds, good credit management, and capital strengthening. This type of research is quantitative research with purposive sampling technique. The population used in this study is commercial banks from 2013 to 2017. The data come from commercial bank financial statements. As the benefit of this research the government can use it as a mapping material for distributing loan to commercial banks; the bank management can take it into consideration in making commercial bank lending policies. The results of the research show that profitability can mediate the relationship between third party funds and non-performing loans on loan distribution. Third party funds have a significant positive effect on loan distribution. Non-Performing Loans have a significant negative effect on loan distribution. Keywords: LOAN DISTRIBUTION, THIRD PARTY FUNDS, NON-PERFORMING LOANS, AND PROFITABILITY

scholarly journals Implementasi Sistem Informasi Akuntansi pada Usaha Mikro Kecil Menengah (UMKM) Bidang Pendidikan di Sumatera Barat (Studi Empiris pada Lembaga Bimbingan Belajar di Sumatera Barat)

2020 ◽  
Vol 20 (1) ◽  
pp. 126
Author(s):  
Sri Wahyuni Riza ◽  
Dwila Maresti
Keyword(s):  
Information Systems ◽  
Small Businesses ◽  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Primary Data ◽  
Accounting Information Systems ◽  
West Sumatra ◽  
Technological Developments ◽  
Medium Enterprises

Technological developments directly drive the need for information, including the need for financial and accounting information for an entity or institution. Not only large entities or institutions, but the need for financial and accounting information from micro and small businesses has become important. One of the small and medium micro businesses that also have to meet the needs of financial and accounting information for external parties is a tutoring institution. Previous research has reviewed a lot about the development of accounting information systems and their application to micro, small and medium enterprises. The purpose of this study is to conduct an empirical study of the implementation of accounting information systems in micro small and medium enterprises of tutoring institutions in West Sumatra. This research is quantitative research. The data obtained is primary data through the distribution of online quizzes through Google Drive to tutoring institutions in West Sumatra. The result is that in micro businesses, especially tutoring institutions in West Sumatra are still minimal in the use of accounting information systems in managing business finances.

scholarly journals Information Needs and Behaviours of Theology Students at the International Baptist Theological Seminary

2009 ◽  
Vol 2 (2) ◽  
pp. 51-80 ◽  
Author(s):  
Katharina Penner
Keyword(s):  
Quantitative Research ◽  
Information Needs ◽  
Survey Design ◽  
Relevant Information ◽  
Interdisciplinary Studies ◽  
Research Approach ◽  
Theological Seminary ◽  
Technological Developments ◽  
Personal Library ◽  
Theology Students

The study analyses information needs and behaviours of master’s and doctoral theology students currently studying at the International Baptist Theological Seminary (IBTS) in Prague, Czech Republic. The aim is two-fold: first, to extend understanding of the information behaviour of theologians working as distance learners in a cross cultural setting; and secondly, to provide guidance for the development of library information services for this group. The study follows a quantitative research approach with a survey design and attempts to replicate in a modified way studies by Gorman (1990) and Stieg Dalton and Charnigo (2004). The findings suggest that theology students at IBTS use many and varied types of materials in their interdisciplinary studies while giving clear preference to books, periodicals and theses. Most of the participants have, partly successfully, embraced information technology as a tool and use it extensively. To satisfy their research needs they employ a variety of methods to find relevant information and fall back on “typical” humanists’ research behaviours when “usual” channels do not work: engage their networks, expand their personal library, and browse. While the humanist profile is evident throughout the diverse group, there are also notable differences. Theologians increasingly work interdisciplinary and integrate approaches considered typical for other disciplines. Partly differences are caused by the fact that the group under consideration are students who still experiment with research approaches. Many differences are caused by technological developments and contextual aspects.

scholarly journals Analisis Pengaruh NPF, FDR, BOPO, CAR, dan GCG terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Periode 2013-2017

2018 ◽  
Vol 6 (1) ◽  
pp. 94
Author(s):  
Rima Cahya Suwarno ◽  
Ahmad Mifdlol Muthohar
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Research Method ◽  
Quantitative Research ◽  
Total Sample ◽  
Content Analysis Method ◽  
Regression Test ◽  
Negative Effect ◽  
Positive Effect

This study aims to determine the Influence of NPF, FDR, BOPO, CAR, and GCG on Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. This research use quantitative research method with population in this research is all sharia commercial bank in Indonesia period 2013-2017. The total sample is eight of sharia commercial banks, based on purposive sampling method. Data collection is done by library method from journals, articles or literatures that related to required data, and documentation method of annual report and GCG implementation report of sharia public bank in question as well as data from OJK website. The research method used is statistical descriptive test, descriptive test by analyzing GCG through GCG implementation report using content analysis method, classical assumption test, multiple regression test. The results showed that simultaneously NPF, FDR, BOPO, CAR, and GCG variables significantly influence the Financial Performance of Sharia Commercial Banks in Indonesia Period 2013-2017. While the partial variable of NPF has positive effect not significant to ROA, FDR variable has positive effect not significant to ROA, BOPO variable has significant negative effect to ROA, CAR variable has positive effect not significant, and GCG variable has positive effect not significant to ROA of Sharia Commercial Bank in Indonesia 2013-2017 period.

scholarly journals PENGARUH RASIO KEUANGAN TERHADAP RASIO PROFITABILITAS UNIT USAHA SYARIAH DI INDONESIA

2018 ◽  
Vol 4 (2) ◽  
pp. 113
Author(s):  
Mochamad Indrajit Roy
Keyword(s):  
Multiple Regression ◽  
Commercial Bank ◽  
Significant Influence ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Financial Ratios ◽  
Business Unit ◽  
A Value

Abstract The process of transformation status of Commercial Banks that have a Sharia Business Unit (UUS) into a Sharia Commercial Bank (BUS) potentially be faster when viewed from the value of UUS ROA in the last three semesters which shows a value greater than BUS ROA. This study will analyze the effect of financial ratios to ROA on UUS. This research is quantitative research. The analysis used in this research is Multiple Regression. The analysis results in this study indicate that the variables of the financial ratios of NPF, NOM, and FDR simultaneously have a significant effect on ROA. Whereas if each variable was carried out, only NOM has a significant influence, while the rests do not.

Investigating the acceptance of distance learning amongst Omani students: a case study from Oman

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Abdul Hakim Hassan Mustafa Mohamed ◽  
Fadi Abdel Muniem Abdel Fattah ◽  
Mohamed Izzeldin AbdelRahman Bashir ◽  
Maia Alhajri ◽  
Akbar Khanan ◽  
...  
Keyword(s):  
Distance Learning ◽  
Quantitative Research ◽  
Online Survey ◽  
Positive Association ◽  
Ease Of Use ◽  
Content Type ◽  
Arts And Humanities ◽  
Willingness To Use ◽  
Study Participants

Purpose In the COVID-19 pandemic, students were subjected to high pressure when they were forced to move to distance learning in a lockdown environment. Such a drastic move for communities living in groups with solid relationship ties comes at a price. This study aims to investigate the acceptance of distance learning amongst Omani higher education institutions (HEI) students during COVID-19 lockdown. Design/methodology/approach This is a quantitative research based on an online survey designed to study participants’ acceptance of distance learning during COVID-19 lockdown. Findings A sample of 757 Omani students was selected, of which 81.2% were female. About 60% of the students’ Age lies 15–20 years. The highest percentage (38.8%) of students belongs to the College of Arts and Humanities. A total of 80% of the students reported a moderate level of information technology skills, and also more than 80% of the students had never attended eLearning calls. Most of the students affirm the eLearning acceptance (students’ willingness to use eLearning tools for the tasks they are designed for), eLearning usefulness (using eLearning would enhance students’ performance), eLearning ease of use (the degree to which a student believes that using eLearning tools are free from effort), learning from home during COVID-19 and eLearning effectiveness (student’s satisfaction and the benefits student will gain from learning via online platforms). Multiple regression analysis confirms that more than 81% of the variation in the eLearning acceptance was explained by eLearning usefulness, eLearning ease of use, learning from home during COVID-19 and eLearning effectiveness independent variables. Moreover, these independent predictors have a positive association with eLearning acceptance. Originality/value This research intends to fill the gap in Omani HEI students’ acceptance of distance learning during the COVID-19 pandemic.

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