scholarly journals The role of the knowledge economy in the development of banking services in Libya

2020 ◽  
Vol 9 (4) ◽  
pp. 343-355
Author(s):  
Aza Yousef Alhasadi ◽  
Yavuz Demirel
Keyword(s):  
Knowledge Economy ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Banking Sector ◽  
Skills Training ◽  
Economic Incentives ◽  
Service Research ◽  
Eastern Region ◽  
Banking Services

The study focuses on the basic variables of the knowledge economy, where aims to know the role of the knowledge economy in the banking sector and solving the problems facing Libyan commercial banks in the development of banking services. In order to achieve the main purpose of the study, we used the descriptive-analytical method, by using the questionnaire. Where we surveyed a total of 320 employees at six commercial banks operating in the eastern region of Libya. Through incoming questionnaires, we have analyzed 299 questionnaires. The results of the analysis showed a positive relationship between the knowledge economy and the development of banking services and that the knowledge economy plays an active role in the development of banking services, as the sub-variables of the knowledge economy are knowledge, skills, education, IT infrastructure, speed, access to service, research and development, Innovation, institutional regime, economic incentives as well as the sub-dimensions of the developing of banking services that represented in online banking, data transfer services, the use of technology, and customer relations. all of them show a high positive relationship among them. Also, the study includes information on whether there are differences between the knowledge economy and the development of banking services in the banks included in the research. The results of the study showed that knowledge, skills, training, economic incentives, and institutional regime vary according to banks

scholarly journals E-Banking Effects on Customer Satisfaction: The Survey on Clients in Jordan Banking Sector

2018 ◽  
Vol 10 (2) ◽  
pp. 151 ◽  
Author(s):  
Thabit Altobishi ◽  
Gizem Erboz ◽  
Szilard Podruzsik
Keyword(s):  
Customer Satisfaction ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Banking Sector ◽  
Ease Of Use ◽  
Electronic Banking ◽  
Banking Services ◽  
Survey Questions ◽  
Statistical Results

In general, the managers in financial organizations and institutions are willing to maintain customer satisfaction, in order to minimize their cost and strengthen their competitive advantage.In Jordan, most of the commercial banks offer their banking services electronically. Therefore, this research aims to investigate the effects of electronic banking services on customer satisfaction in the lights of survey questions asked to 175 clients in Jordan. The reviewed literature indicates that convenience, privacy, cost, ease of use, personalization and customization and security are six indicators that affect level of customer satisfaction with E-Banking. The survey questions conducted in these six indicators and statistical results shows a positive relationship between level of customer satisfaction and usage of E-Banking among customers. There is positive relationship between five indicators and level of customer satisfaction and usage of E-Banking. Only Privacy is not discovered to have an effect on Customer Satisfaction in Jordan.

scholarly journals Development of the banking sector on the basis of modern technologies of service

2018 ◽  
pp. 26-30 ◽  
Author(s):  
O. M. Ermolenko
Keyword(s):  
Technology Use ◽  
Commercial Banks ◽  
Banking Sector ◽  
Innovation Activity ◽  
Financial Intermediaries ◽  
Credit Institution ◽  
Banking Services ◽  
Modern Technologies

The article discusses the main technologies of banking services that determine the quality and level of interaction between banks and customers, as well as to determine the level of innovation and attractiveness of the functioning of commercial banks in the market of banking products and services. Each credit institution forms its strategy taking into account its financial capabilities and the level of technology use, so the provision of new and the most attractive innovations allows banks not only to minimize the level of costs, and increase their activity as financial intermediaries. In addition, at the level of increased competition, all banks are not just trying to keep customers, but also to entice them from other banks, which also determines the level of innovation activity of the Bank. All this determines the main vector of development of the banking sector.

scholarly journals The Effect of Brand Experience on Customers’ Engagement Behavior within the Context of Online Brand Communities: The Impact on Intention to Forward Online Company-generated Content

2019 ◽  
Vol 11 (17) ◽  
pp. 4649 ◽  
Author(s):  
Yasin ◽  
Porcu ◽  
Liébana-Cabanillas
Keyword(s):  
Online Survey ◽  
Banking Sector ◽  
Islamic Banking ◽  
Brand Experience ◽  
Banking Services ◽  
Brand Communities ◽  
Online Branding ◽  
Online Brand Communities ◽  
The Impact

The purpose of this study is to assess the antecedent role of brand experience (BE) in the intention to forward online company-generated content (CGC) within an online Islamic banking sector. The present study analyzed 387 valid responses collected through an online survey conducted among a number of online Islamic bank customers in Palestine. The results of this study revealed that BE has a stronger influence on customers’ intention to forward online company-generated contents. This research pioneers the empirical research in Palestinian Islamic banking systems exploring the instrumental role of BE on customers’ engagement behaviors, as well as the intention to forward online CGC. In addition, this research aims to fill the existing gap in the under-researched area of the online branding of Islamic banking services.

Determinants of Diffusion and Adoption of ATM cum Debit Cards in Indian Banking Sector

2019 ◽  
Vol 21 (5) ◽  
pp. 1263-1278
Author(s):  
Kamalpreet Kaur ◽  
Mandeep Kaur
Keyword(s):  
Public Sector ◽  
Market Share ◽  
Commercial Banks ◽  
Banking Sector ◽  
New Technology ◽  
Banking Services ◽  
Public Sector Banks ◽  
Interest Income ◽  
Automated Teller Machine ◽  
Debit Cards

Plastic cards are the neglected innovation as far as its research on diffusion and adoption from bankers’ perspective is concerned. The study emphasizes on the identification of factors which may have influenced the banks to adopt Automated Teller Machine (ATM) cum debit cards along with their traditional banking services. Bank-specific variables were investigated to deepen the understanding of the diffusion and adoption of ATM cum debit cards. The sample of the study is confined to 50 commercial banks, out of which 23 are private and 27 are public sector banks. The empirical findings reveal that size, non-interest income, non-performing assets, profitability, age and market share of the bank are the variables which have contributed significantly in the diffusion and adoption of ATM cum debit cards. The present study would serve as the roadmap for the regulators to frame policies and guidelines while introducing new technology in the industry, which are best suited to customers as well as bankers.

scholarly journals Banki spółdzielcze na rynku kredytu na nieruchomości w Polsce

2015 ◽  
Vol 2 (3) ◽  
pp. 163-176
Author(s):  
Renata Papież
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Mortgage Market ◽  
Know How

The main aim of the article is defining the role of co-operative banks – bothin quantitative and qualitative aspects – on the mortgage market in Poland.Residential and commercial mortgage financing in the Polish banking sector isdominated by a big commercial banks. Both the co-operative banks and specializedmortgage banks have a marginal importance in this market. However, cooperativebanks using their attributes, i.e. better knowledge of the local marketand gradually accumulated know how and experience, increase very slowly theirmarket share.

scholarly journals The role of HRM practices in retaining employees: evidence from the banking sector

2021 ◽  
Vol 7 (4) ◽  
pp. 232-247
Author(s):  
Muhammad Daniyal ◽  
Mrestyal Khan
Keyword(s):  
Performance Appraisal ◽  
Commercial Banks ◽  
Employee Retention ◽  
Banking Sector ◽  
Training And Development ◽  
Working Environment ◽  
The Past ◽  
Convenience Sampling ◽  
And Performance

Banking is one of the fastest-growing sectors because of its contribution to the economy, however, today employee retention is demurring for banks and they are striving to fulfil this challenge. It has been observed from the past few years that it is due to the lack of knowledge related to the proper implementation of HR practices in the commercial banks. The main purpose behind conducting the research is to understand the effect of compensation (C), working environment (WE), training and development (T&D), and performance appraisal (PA) on employee retention (ER). The study used convenience sampling with a sample size of 200 and data was collected from the employees of different commercial banks located in Islamabad and Rawalpindi. The empirical results showed that WE, PA, and COM have a significant positive relationship with the ER whereas T&A has the insignificant one.

scholarly journals Financial and Non-Financial Measures in Evaluating Performance: The Role of Strategic Intelligence in the Context of Commercial Banks in Kenya

2020 ◽  
Vol 13 (10) ◽  
pp. 130
Author(s):  
Blandina Walowe Kori ◽  
Stephen M. A. Muathe ◽  
Samuel Mwangi Maina
Keyword(s):  
Balanced Scorecard ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Annual Reports ◽  
Primary Data ◽  
Balanced Score Card ◽  
Financial Measures ◽  
Strategic Intelligence

This study provides comprehensive discussion on role of strategic intelligence in commercial banks, in Kenyan context. The primary focus was to evaluate the performance of commercial banks using both financial and non-financial performance measurers. The financial measurers comprised return on equity (ROE), while non-financial measures were customer satisfaction, learning and growth, and internal processes. The study was anchored on resource-based view and balanced scorecard model. The target population comprised 40 commercial banks. Additionally, the sample size 181 was selected proportionately through stratified sampling procedure. Data collection instruments comprised closed and open -ended questionnaires and online review. The study used both primary and secondary data, where primary data was obtained from Kenya commercial banks head offices, while secondary data, for the year 2016 – 2018, was obtained from the annual reports of the central bank of Kenya. Data analysis was done using descriptive statistics and linear multiple regression analysis. Findings of the study indicate that strategic intelligence has a statistically significance on the performance of commercial banks in Kenya. Moreover, both financial and non-financial measures of performance are relevant in the banking sector and growth of Kenyan economy. The study recommends that commercial bank in Kenya should integrate their training focus and strategy implementation with investors interests based on balanced score card.

Promoting Indigenous Financial Inclusion

2018 ◽  
Vol 9 (2) ◽  
pp. 1-11
Author(s):  
Michael D'Rosario
Keyword(s):  
Social Services ◽  
Financial Services ◽  
Potential Role ◽  
Banking Sector ◽  
Indigenous Communities ◽  
Financial Inclusion ◽  
Banking Services ◽  
Geographic Dispersion ◽  
Financial Exclusion

This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all serve to promote financial exclusion. It is posited that forms of access exclusion such as bank branch access and geographic dispersion have served as the key structural impediments to indigenous financial inclusion. Specifically, this article considers the potential role of adaptive cellular technologies and community telecentres in addressing financial exclusion within indigenous communities. Detailing successful ‘social banking' models adopted in several developing countries, it is asserted that m-banking could serve as a powerful tool for inclusion.

Promoting Indigenous Financial Inclusion

2020 ◽  
pp. 348-360
Author(s):  
Michael D'Rosario
Keyword(s):  
Social Services ◽  
Financial Services ◽  
Banking Sector ◽  
Indigenous Communities ◽  
Financial Inclusion ◽  
Banking Services ◽  
Australian Society ◽  
Geographic Dispersion ◽  
Financial Exclusion

This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all serve to promote financial exclusion. It is posited that forms of access exclusion such as bank branch access and geographic dispersion have served as the key structural impediments to indigenous financial inclusion. Specifically, this article considers the potential role of adaptive cellular technologies and community telecentres in addressing financial exclusion within indigenous communities. Detailing successful ‘social banking' models adopted in several developing countries, it is asserted that m-banking could serve as a powerful tool for inclusion.

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