scholarly journals Banker Attitudes and Perception towards Green Banking

2021 ◽  
Vol 10 (2) ◽  
pp. 47-56
Author(s):  
Md. Khaled Amir
Keyword(s):  
Banking Industry ◽  
Research Paper ◽  
Survey Questionnaire ◽  
Environment Pollution ◽  
Environment Friendly ◽  
Banking Services ◽  
The Government ◽  
Conventional Banks ◽  
Great Portion

This research paper intends to evaluate an idea about bankers’ perceptions on green banking by getting a candid opinion from conventional banks’ bankers in Bangladesh based on a quality survey questionnaire covers relevant areas like benefits of green banking, superior officials who serve green banking services, taken eco-friendly initiatives, getting support from proper authorities, safeguarding environment pollution and rewards for adopting green banking. Considering the highest mean score of items in each group, this paper insights about green banking is environment-friendly banking, managers and officers are resourceful, emphasizes on recycling of left-over materials, keeping the environment pollution free, and performs to reduce resource wastages. This paper also finds that support from the government should be getting heightened priority to enhance its performance and area. So it can be easily presumed that green banking already put a great impact on a great portion of the banking industry in Bangladesh so far.

scholarly journals Digital Banking Services Awareness and its Preferences: HDFC Bank at Moradabad Region

2019 ◽  
Vol 8 (3S3) ◽  
pp. 618-624
Keyword(s):  
Experimental Study ◽  
Banking Sector ◽  
Banking Industry ◽  
Research Paper ◽  
Banking Services ◽  
Digital Footprint ◽  
World Class ◽  
Stay Behind ◽  
Privately Held

Almost the whole world has been caught up in digitalization in recent years. Therefore, it could not stay behind the banking sector. It is time for cashless banking, which must be met by all the banks. HDFC Bank has developed a number of virtual banking facilities such as the net banking industry, Payz app, Chillr, etc., as the privately held pioneer in world class banking. Nevertheless, in order to capture the attention of the consumer, the focus of this research paper is on the creating a strong digital footprint on the market. This study is centered on an experimental study to evaluate people's awareness of HDFC banking products and their preferences.

scholarly journals A Study on College Students’ Attitude towards Mobile Banking Services in Dindigul city

2020 ◽  
pp. 44-49
Keyword(s):  
College Students ◽  
Banking Industry ◽  
Financial Institution ◽  
General Information ◽  
The Internet ◽  
Mobile Banking ◽  
Major Work ◽  
Banking Services ◽  
The Government ◽  
Financial Transactions

M Banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. It is available on 24 * 7 basis. Transactions are depending on the features of the M banking app provided and typically includes obtaining account balance. It provides the following services are mini statements, checking account history, alerts, monitoring of term deposits, access to loan and card statements, funds transfer, paying third parties, status of requests for credit, cheque book and card requests, find ATM location and general information. In recent era the government introduced digitalization concept in India. Ever since the internet has taken over the world. The banking industry has undergone a major work through this internet. The aim of the study is to find the college students attitude towards M – Banking services because they are the doing more banking transactions and always in the internet. Researcher examine the usage of M Banking services which are offered from the banks and find issues faced by the customer and solutions given for the problems identified by the students. The researcher chosen college students as a respondent for this study. The results are presented in this paper with the following analysis such as ranking, factor analysis and Likert analysis to know the level of opinion of the respondents. From this study observed that most of the users using public sector banking services and customers are changing their password through mobile. Infrastructural factor is playing major role in mobile banking services. Without charges customers are not able to enjoy any services from the banker.

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

CUSTOMERS’ PREFERENCE FOR E – BANKING SERVICES: A CASE STUDY OF SELECTED BANKS IN SIERRA LEONE

2011 ◽  
Vol 01 (04) ◽  
pp. 108-116
Author(s):  
R. A. GBADEYAN ◽  
O. O. AKINYOSOYE GBONDA
Keyword(s):  
Sierra Leone ◽  
Software Verification ◽  
Banking Industry ◽  
Online Banking ◽  
Chi Square ◽  
Frequent Change ◽  
Banking Services ◽  
Chi Square Analysis ◽  
Almost All

The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. There are some associated risks identified in the study that seem to hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. This paper therefore, examines, if customers’ choice of banks is influenced by the quality of e–banking services provided. Stratified sampling was used; while the survey Instrument was a developed Questionnaire comprising open ended and Likert type of questions. The Likert type questions have a 4 point scale (indicating 1 = very comfortable and 4 = uncomfortable) divided into two (2) sections: personal details and customers’ e-banking preference in Sierra Leone. The instrument contained 36 items and was administered to about 400 respondents, while 360 completed and returned their Questionnaire. The statistical techniques used for the analysis were the Chi–Square and correlation. The Chi–Square analysis revealed that the quality of e–banking services offered by banks have significant influence on their customers at 95%, 3 degree of freedom. The paper recommends that various measures should be put in place to ensure more security such as installation of encrypted software, verification system of customer’s identification cards, frequent change of password, examining test questions and using mixed password such as the use of alphanumeric amongst others. The paper concludes that e –banking has become important phenomenon in the banking industry and it will continue as more progress and innovations are made in information technology.

Determining Drivers of Financial Management Behavior Among Working Adults In Malaysia

2021 ◽  
Vol 7 (2) ◽  
pp. 161
Author(s):  
Afiza Azura Mohamad Arshad ◽  
Azlin Shafinaz Mohamad Arshad ◽  
Zahariah Mohd Zin ◽  
Arief Wibisono Lubis ◽  
Putri Hana Najla Mohamed Haniffa
Keyword(s):  
Financial Management ◽  
Negative Relationship ◽  
Financial Knowledge ◽  
Survey Questionnaire ◽  
Management Behavior ◽  
Working Adults ◽  
Government Sector ◽  
Management Behaviour ◽  
Convenience Sampling ◽  
The Government

Financial management behavior encompasses of four main fields such as saving, expenditure, borrowing and investment. The purpose of this paper is to determine the driver that influences financial management behavior among Malaysian working adults. A survey questionnaire was distributed to 300 Malaysian working adults in three sectors which are the government sector, private sector and self-employed using convenience sampling. A total of 273 responses were collected and deemed usable. The findings of the study found that financial knowledge and financial attitude have a significant and positive relationship to financial management behaviour among Malaysian working adults while the locus of control has a negative relationship with financial management behavior among Malaysian working adults. Recommendations are put forth at the end of the study.

Entrepreneurs’ Perception of Banks’ Social Responsibility : A Haitian Case Study

2021 ◽  
Author(s):  
Bénédique Paul ◽  
◽  
Ahmad H. Juma'h ◽  
Florys Dorante ◽  
◽  
...  
Keyword(s):  
Social Responsibility ◽  
Financial Services ◽  
Public Perception ◽  
International Institutions ◽  
Banking Industry ◽  
Financial Intermediaries ◽  
Future Research ◽  
The Government ◽  
Corporate Social

Banks are the pillars of entrepreneurship expansion and economic development. In developing countries, where there is little public financial support for entrepreneurs, it is clear that banks, among other financial institutions, should be part of the solution to the problem of financing economic activity. As financial intermediaries, commercial banks need to enjoy good perception among entrepreneurs to improve their profitability. To achieve such objective, banks sometimes adopt social responsibility strategies to influence public perception of banks’ behavior. How do Haitian entrepreneurs perceive Haitian banks’ social responsibility? To answer this question, we collect empirical data among entrepreneurs of all size (micro, small and large). The findings help interesting discussions of banks perception among entrepreneurs divided by demographic (gender, location) and economic (sector, size, assets) characteristics. Among the main conclusions, we find that banks enjoy very bad perception among entrepreneurs (all size). Also, the special concessions given by the Government and other international institutions to the banking industry in Haiti help very few to increase the financial services for Haitian entrepreneurs. From our conclusion arise questions for future research to study the relations between entrepreneurs’ own practices of corporate social responsibility and their perception of banks social responsibility.

scholarly journals Sustainable tourism modeling: Pricing decisions and evolutionarily stable strategies for competitive tour operators

2018 ◽  
Vol 25 (5) ◽  
pp. 779-799 ◽  
Author(s):  
Yong He ◽  
Peng He ◽  
Feifei Xu ◽  
Chunming (Victor) Shi
Keyword(s):  
Sustainable Tourism ◽  
Evolutionary Game ◽  
Innovation Strategy ◽  
Cost Advantage ◽  
Evolutionarily Stable Strategies ◽  
Environment Friendly ◽  
Pricing Decisions ◽  
Green Tourism ◽  
The Government ◽  
Evolutionarily Stable

In this article, we investigate two competitive tour operators (TOs) who choose between traditional tourism strategy (strategy T) and green tourism innovation strategy (strategy G). Our article attempts to address the following important issues using evolutionary game models: when would TOs facing environment-friendly tourists adopt the strategy G? How do TOs set product prices under different strategy combinations? How can the government effectively motivate TOs to pursue green tourism? Our research results show that a green tourism innovation pioneer could monopolize the market under certain conditions. Furthermore, when the environmental preference of tourists is sufficiently low, no TOs would adopt the strategy G; when it is moderate, only the TO with cost advantage (stronger TO) would adopt the strategy G; when it is sufficiently high, both TOs would select the strategy G. Our research also demonstrates that the stronger TO implements the strategy G mostly independent of the rival’s decisions, but the opposite is true for the TO with cost disadvantage (weaker TO). We further investigate potential government subsidies that can motivate TOs to carry out green tourism simultaneously. Our results suggest that to be more effective, the government first offer the green subsidy to highly competitive tourism locations and/or more innovative TOs.

scholarly journals Demonetisation Impact over Banking Loans & Advances: A Case Study

2019 ◽  
Vol 7 (4) ◽  
pp. 51-64
Author(s):  
Narsaiah Neralla
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Study Data ◽  
Ecosystem Dynamics ◽  
Banking Services ◽  
Legal Tender ◽  
The Status ◽  
The Government ◽  
Case Study Data

The demonetisation footstep by the Government of India twisted complicated influences in the economy. Complete sectors of the economy had faced and produced mixed sensation results over the decision of demonetisation. India’s financial services struggled with demonetisation; on the other hand demonetisation affects utmost over the banking sector because it is substantial influenced services to transform money circulation in an Indian economy. Eradicating components of currency notes from circulation in an economy is demonetisation. It is as the processes of components of money are denied the status of legal tender. Consequently, ceased currency notes will not be account as valid currency in an economy. The term ‘demonetization’ is an instrument to shrink Inflation, Black Money, Corruption and terror funding, this step discourages a cash dependent economy in India. Government of India drive towards demonetisation has given a strong push to the popularity of digital banking and made helps with the alternative arrangements of e-banking and e –wallet to trade and commerce. Exploring the demonetisation emergence in an economy and impact on banking services ecosystem dynamics, this study take an abductive approach anchored in over 4 years of case study data regarding. The present study foremost intention is to be analysing the demonetisation impact over banking loans and advances. In this regard the present study is to be examining the pre demonetisation and post demonetisation period.

scholarly journals IoT Based Smart Garage Vehicle Washing Water Nestor

2020 ◽  
Vol 8 (5) ◽  
pp. 3521-3525
Keyword(s):  
Water Pollution ◽  
Cloud Computing ◽  
Big Data ◽  
Smart Cities ◽  
Human Life ◽  
Research Paper ◽  
Proper Treatment ◽  
Computing Services ◽  
Cloud Computing Services ◽  
The Government

Water is critical part of the human life. In most of the developing nation, water pollution is one of the bigger mess. These issues can be handled strictly by the Government organization, by implementing tougher action rules to the industries, were the water are released without any proper treatment. Where each industries (or) smart cities, should take up self-initiative responsibility for proper treatment of the polluted out flow water. In our research paper, we are not focusing on the wider area of the water pollution; our focus is limited within the smart cities vehicle washing garages. In very smart cities, were a regular multiple vehicles washing is done in the garage, our research paper will focus on the out flow of the populated water from these vehicle washing garages. Our design and implantation process is simpler and straightforward approach. Were we will monitor of the water quality; and how much level of the water is populated, and it requires at what level of the treatment. These process can be easily automated using the multiple IOT (internet of things) based sensors, the data can be streamed into the Big Data lake (or) it can be directly pushed into the cloud computing services for generating the real time graphs and analyses report instantly. These data collected in the Big Data lake (or) cloud computing services, can be used for detail analyses for research purpose. We will incorporate the block chain concept to keep track of the smart garage location address and the detail information of the number of garage in the smart cities details in the form of the blocks.

scholarly journals Improving the Use of Islamic Banking Services in Financing Investment Projects in Uzbekistan

2021 ◽  
Vol 11 (2) ◽  
pp. 2205-2220
Author(s):  
Dilmurod Yusupaliyevich Khujamkulov ◽  
Ruhiddin Khusniddin Ogli Zayniddinov ◽  
Dilmurod Rakhmatullayevich Ergashev ◽  
Mamajon Akhmatjonovich Mamatov ◽  
Khusniddin Fakhriddinovich Uktamov
Keyword(s):  
Financial Services ◽  
Financial Inclusion ◽  
The Other ◽  
Islamic Banking ◽  
Major Objective ◽  
Banking Services ◽  
Investment Projects ◽  
Conventional Banks ◽  
Religious Reasons ◽  
Formal Finance

Financial inclusion is remained low level by the majority of households and firms in Uzbekistan, instead of using formal finance, they are more partial to save and borrow informally. In this case, both indicate the high cost of finance as the top reason for not using it. Moreover, households, which are mostly Muslim, declare that religious reasons prevent them from using formal finance, as only conventional finance is available. The result of the survey was passed between a number of households and entrepreneurs that most of them claimed to use Islamic banking products. On the other hand, there are not created main mechanisms, infrastructure, and other important devices to regulate Islamic banking services in the country. The major objective of this study was to investigate there were used some Islamic banking products under some conventional banks for two decades and we have discussed the empirical experiences in Uzbekistan as well as given recommendations for improving the use of Islamic financial services related to foreign experiences and the result of the survey.

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