scholarly journals Effects of UTAUT 2 Model on the Use of BCA Mobile Banking in Indonesia

2021 ◽  
Vol 12 (3) ◽  
pp. 5378-5387
Author(s):  
Aniek Susilowati Et. al.
Keyword(s):  
Financial Institution ◽  
Banking System ◽  
Internet Technology ◽  
Primary Data ◽  
Long Distance ◽  
Business World ◽  
Banking Services ◽  
Factors Affecting ◽  
Behavior Intention ◽  
Banking Service

The m-banking service is a long-distance transaction platform that is innovative and strategic product provided by financial institution. It has succeeded in removing physical limitation of banking activities through the use of mobile device by customers. Support for the advance in internet technology bringing about considerable and continuous changes in banking operational have enabled customers to connect with business world and make transaction at any time, so that it also changes how customers use banking services. The World’s Best Bank has positioned BCA as a bank capable of adapting to pandemic situation because its banking services related to technology is considered as the best. Therefore, this research recognizes the need for testing factors affecting BCA customers to adopt and continue to use BCA m-banking service. Design/methodology/approach – the conceptual relationship of behavior intention on the acceptance and the use of information technology in this research used UTAUT2 model. Primary data were processed using SEM method with SMART-PLS software collected from survey questionnaires carried out to 400 respondents having BCA accounts and using BCA m-banking in the last 3 months. Findings – the main factors such as habit, hedonic motivation and facilitating condition were found to provide significant effect on behavior intention of customers to adopt and use BCA m-banking service. Practical implications – the findings are expected to educate public about m-banking service capable of facilitating banking transaction and recommending banking system to provide a safe m-banking service and it also requires sustainable development.

scholarly journals Interest Free Banking in Ethiopia: Customer Awareness, Satisfaction and Its Role on Economic Development

2021 ◽  
Vol 5 (1) ◽  
pp. 48
Author(s):  
Debebe Alemu Kebede
Keyword(s):  
Economic Development ◽  
Banking System ◽  
Secondary Data ◽  
Employment Opportunity ◽  
Annual Reports ◽  
Primary Data ◽  
Free Banking ◽  
Banking Services ◽  
Banking Service ◽  
The Government

This study is aimed at evaluating the customer’s awareness and satisfaction toward Interest-free Banking and its role on Ethiopia economic development with some selected Commercial Bank in Ethiopia. To achieve the aim of the study the primary data was collected from Customers and Managers of the selected banks by using convenience method through questionnaire and interview. While, secondary data was collected by compiling and summarizing the bank’s Annual reports and Journals. The collected data was analyzed in descriptive and inferential analysis. The finding of the study depicts as low customer awareness regarding Interest-free Banking services except the Interest-free Banking account holders. Further, majority of Interest-free Banking account holders are more or less satisfied with the current Interest-free Banking services provided since, it can  potentially  serve as  an  alternative  banking  channel  in  filling  the  gap  left  unaddressed  by  conventional  banking  and economic  development in relation to idle  monetary  resource  mobilization  and  allocation,  inviting  to  use  banking system, creating employment opportunity, supporting GDP growth and assisting in stabilizing crisis and arresting inflation. Based on the study result it concluded as Interest Free Banking have its own role on the country economic development through mobilizing the idle monitory resource, allocating the monitory resource, creating employment opportunity, and inviting to the banking system. Therefore, it recommended as the banks should make aggressive promotion on Interest Free Banking services for customers awareness specially those of out of Muslim customers, the government has to support and should give more emphasis to enable Interest Free Banking service, promote Interest Free Banking which can help assist the economy in stabilizing economic crisis and arresting inflation.

Investigating Occupation Wise Perception of Customers Towards Access to Cooperative Banking Services

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Neetu Andotra ◽  
Tarsem Lal
Keyword(s):  
Secondary Data ◽  
Principal Component ◽  
Himachal Pradesh ◽  
Primary Data ◽  
Varimax Rotation ◽  
Banking Services ◽  
Banking Service ◽  
Total Data ◽  
Cooperative Banks ◽  
Secondary Information

The present paper aims at investigating the occupation-wise perception of customers towards access to cooperative banking services. The study is both expressive and evaluative in nature. In order to investigate the perception of customers towards access to cooperative banking services, both primary and secondary data has been collected. The primary data have been collected from 540 customers of cooperative banks operating in three northern states of India i.e J&K, Himachal Pradesh, and Punjab. The technique of factor analysis has been used through SPSS (version 17.00) with Principal Component Analysis along with varimax rotation for summarisation of the total data into minimum factors. Secondary information was collected from published sources i.e books, journals, files, cooperative bulletins, organizational reports, annual drafts of Planning and Statistical Department (Government of J&K, Himachal Pradesh, and Punjab), RBI reports, magazines, and Internet. ANOVA has been applied for data analysis. The results of the study shows that there exits significant means difference between perception of customers towards access to Cooperative banking service.

scholarly journals The Factors Affecting the Adoption of Online Banking Services by Civil Servants in Cameroon

2020 ◽  
Vol 5 (7) ◽  
pp. 1452-1459
Author(s):  
Lith Enestine Tembon Ambit
Keyword(s):  
Customer Service ◽  
Descriptive Analysis ◽  
Internet Banking ◽  
Online Banking ◽  
Civil Servants ◽  
Banking Services ◽  
Factors Affecting ◽  
Insignificant Effect ◽  
Internet Fraud ◽  
Banking Service

Factors affecting the adoption of online banking services by civil servants in Cameroon was examined in this survey. Raw data were gotten through questionnaire which was distributed mostly among the civil servant in Douala of Cameroon. The analyses used in this survey were crosstabs test, descriptive analysis, factor analysis, correlation test, and regression test. The findings revealed that awareness factor has a positive and significant effect on online banking, security & trust assurance showed a negative and insignificant effect on online banking service, innovative factor displayed a negative and insignificant effect on online banking service, and customer service assurance revealed positive but has insignificant impact on online banking service. It was concluded that internet banking is difficult to understand and its time consuming among many of the users and internet fraud discourages the use of internet banking in Cameroon. Additionally, the dissemination of information through the internet is not mostly secure and efficient.

The Behavior Intention of Tunisian Banks' Customers on using Internet Banking

2014 ◽  
pp. 818-831
Author(s):  
Lanouar Charfeddine ◽  
Wadie Nasri
Keyword(s):  
Structural Equation ◽  
Banking System ◽  
Internet Banking ◽  
Security And Privacy ◽  
Factors Affecting ◽  
Behavior Intention ◽  
Confirmatory Factor ◽  
Acceptance Model ◽  
Internet Banking System ◽  
Use Of Internet

This paper examines empirically the factors affecting the adoption of internet banking in Tunisia using the Theory of Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). Security and privacy construct were selected as additional factors because of their potent influence on the use of internet banking system. For this purpose, a Structural Equation Modelling (SEM) is employed to examine the inter-correlations among the seven proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis used to determine the measurement efficacies. This study confirms the appropriateness of TAM, TPB, and the security and privacy construct in predicting intention to use internet banking in a Tunisian banking environment. This research reveals that TAM and TPB could be used to provide a solid theoretical foundation of internet banking in Tunisian acceptance case. The study contributes to the literature of internet banking in Tunisia.

Acceptance and use of mobile banking: an application of UTAUT2

2019 ◽  
Vol 32 (1) ◽  
pp. 118-151 ◽  
Author(s):  
Kwame Owusu Kwateng ◽  
Kenneth Afo Osei Atiemo ◽  
Charity Appiah
Keyword(s):  
User Experience ◽  
Educational Level ◽  
Financial Institution ◽  
Personal Digital Assistant ◽  
Primary Data ◽  
Mobile Banking ◽  
Financial Industry ◽  
Banking Services ◽  
Content Type ◽  
Use Of Technology

PurposeMobile banking (m-banking) can be defined as a service offered by a bank or any other financial institution that allows the customers of such establishments to carry out a variety of banking operations via a mobile device, such as a mobile phone, tablet or personal digital assistant. The purpose of this paper is to examine factors that influence customers to adopt and subsequently use m-banking services in Ghana using the unified theory of acceptance and use of technology 2 (UTAUT2) model with age, educational level, user experience and gender as moderators.Design/methodology/approachUsing questionnaire survey, the study sampled 300 users of m-banking services in Ghana as respondents. The primary data collected were analyzed using SmartPLS software.FindingsFindings of the study indicate that Habit, Price Value and Trust are the main factors influencing adoption and use of m-banking in Ghana. Individual differences of gender, age, educational level and user experience responded differently as they moderate the relationship between UTAUT2 constructs and use bahaviour. The applicability of UTAUT2 model was confirmed in the context of the research.Practical implicationsM-banking is a new phenomenon in Ghana’s financial industry, thus it is imperative to understanding the customer adoption behavior. The outcome will aid financial institutions to develop strategies that will sustain the interest of consumers to embrace m-banking.Originality/valueThis paper is among the first ever known attempts to examine m-banking adoption in Ghana using UTAUT2 model.

scholarly journals Information security in remote banking

2020 ◽  
Vol 15 (3) ◽  
pp. 188-204
Author(s):  
VALENTIN N. SHELMENKOV SHELMENKOV
Keyword(s):  
Information Security ◽  
Financial Institution ◽  
Banking System ◽  
The Internet ◽  
Banking Services ◽  
Banking Systems ◽  
Existing Problems ◽  
System Protection

Improving the technology for providing banking services via the Internet opens up a promising market for remote banking systems, which, in turn, leads to an increase in the number of frauds in this area, in this paper considered the main threats to information security in the banking system, protection and combating fraud in the provision of remote banking services, which are lacking for the appropriate protection of bank funds, as well as to identify ways to solve existing problems in the legislation to achieve security in a financial institution.

scholarly journals Glimpse of interaction between traditional and digital banking instruments

2021 ◽  
Vol 2021 (1) ◽  
pp. 101-107
Author(s):  
Oleg Usherovich Avis ◽  
Vladimir E. Kosarev
Keyword(s):  
Customer Service ◽  
Banking System ◽  
Special Importance ◽  
Successful Operation ◽  
Banking Services ◽  
Global Trends ◽  
Banking Systems ◽  
Banking Service ◽  
Global Trend ◽  
Bank Employee

The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.

scholarly journals The Influence of Banking Service Customers’ Satisfaction Level on the Perception of Switching Costs and on Behavioural Loyalty

2009 ◽  
Vol 2 (1) ◽  
pp. 1 ◽  
Author(s):  
Maria Luiz Barcellos Zacharias ◽  
Kleber Fossati Figueiredo ◽  
Claudia Affonso Silva Araujo
Keyword(s):  
Switching Costs ◽  
Financial Institution ◽  
Retail Banking ◽  
Price Sensitivity ◽  
Satisfaction Level ◽  
Banking Services ◽  
Banking Service ◽  
Long Run ◽  
Significant Difference ◽  
Service Projects

This article presents the results of a research aiming to evaluate whether retail banking customers' satisfaction level has some impact on the perception of switching costs and on customers' loyalty. Loyalty was measured through behaviors traditionally associated with this construct: intention to repurchase, propensity to recommend service and price sensitivity. The results of the research conducted in May 2007 with 1000 retail banking clients in the cities of Rio de Janeiro and São Paulo showed that, the higher the customers' satisfaction with banking services, the higher the propensity to adopt classical behavior related to loyalty such as the intention to remain as customers for the next 12 months, to recommend the bank to relatives and friends and to be willing to pay a higher price for the offered services than their bank's competitors. On the other hand, no significant difference was observed on perceptions of bank switching costs as a result of customers' satisfaction level. These results provide financial institution managers with a better understanding of the relation between satisfaction and loyalty behavior on the part of customers. Such understanding is paramount for banks' good performance in the long run. Moreover, attention should be drawn to elements that may not be overlooked in service projects and their operations in order to achieve quality excellence perceived by customers. In this study such perception precedes satisfaction.

The Influences of Privacy, Security, and Legal Concerns on Online Banking Adoption

2017 ◽  
pp. 113-126 ◽  
Author(s):  
Khalid Alkhatib ◽  
Ahmad Alaiad
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
New Technology ◽  
Banking System ◽  
Online Banking ◽  
Banking Services ◽  
Privacy Concerns ◽  
Banking Service ◽  
Effort Expectancy ◽  
Facilitators And Barriers

Business globalization and the rising new technology enforced traditional banking to head towards online banking services, which facilitates customers to obtain access to their accounts from their business sites and personal computers to online banking services. The objective of this chapter is to construct a framework of adoption of online banking and represent the major influences of privacy, security, and legal concerns on online banking adoption. Furthermore, the chapter reveals the main challenges in the development of online banking system. The adoption of online banking can decrease the operating expenses and offer good and rapid services to their customers. The framework factors have been classified as facilitators and barriers of adoption of online banking. Performance expectancy, effort expectancy and social influence have been classified as facilitators whereas security concerns, privacy concerns and legal concerns have been classified as barriers. The results revealed various significant suggestions for online banking service providers, designers and developers.

scholarly journals Bank Service Delivery in Nigeria

2020 ◽  
Author(s):  
Akinbode James Olalekan
Keyword(s):  
Best Practices ◽  
Service Delivery ◽  
Banking Sector ◽  
Banking System ◽  
Legal Framework ◽  
Banking Services ◽  
Banking Service ◽  
History Of ◽  
Effective Use ◽  
Nigerian Banking

Nigeria as a country has recorded significant efficiency in bank service delivery considering her history of banking services. This assertion reflects in the views of banking sector stakeholders in the country and foreign assessors. One milestone was the introduction and effective use of electronic banking system in the last two decades which eliminated hurdles overt with the conventional banking era. Today, banking activities in Nigeria are possible at any time of the day and anywhere without any stress. This is not to say that it has fully complied with global best practices as there are still pockets of complaints from stakeholders especially customers which have expressed dissatisfaction in the quality of banking services rendered to them. In spite of the level of customers’ dissatisfaction, bank service delivery is better than what it was, and the Nigerian banking sector is presently at the front burner in terms of banking service delivery in Africa. Although challenges of employees’ knowledge gaps, technology, inadequate legal framework, incompetent manpower and staff improper attitude remain contentious in the Nigerian banking system, efforts from stakeholders especially the regulator to eliminate these challenges would bring about improved banking service delivery in Nigeria and make it close to global best practices, if not achieve it.

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