scholarly journals Security perception of e-banking users in India: an analytical hierarchy process

2020 ◽  
Vol 15 (1) ◽  
pp. 11-20 ◽  
Author(s):  
Mahesh Kumar ◽  
Sanjay Gupta
Keyword(s):  
Public Sector ◽  
Analytical Hierarchy Process ◽  
Perceived Risk ◽  
Multiple Criteria Decision Making ◽  
Foreign Banks ◽  
Security Risk ◽  
Public Sector Banks ◽  
Online Risk ◽  
Risk Parameters ◽  
Hierarchy Process

When choosing online financial transactions, security is a paramount concern of users. Three categories of banks in India, namely public, private and foreign banks, have a completely different focus on technology and capabilities. The study aims at investigating e-banking users’ perception with regard to online risk for public, private and foreign banks. Online risk perception for the abovementioned banks was assessed on three major risk parameters, i.e. security aspect, privacy aspect, and trust; using a multiple-criteria decision-making tool, called the Analytical Hierarchy Process (AHP). The outcomes indicate that security risk is paramount among various aspects of perceived risk, followed by privacy and trust concern. Moreover, public sector banks are perceived to be the safest in this aspect. Public sector banks are also considered to be benign in terms of privacy and trust. Given the general user’s perception of risk generated by all the three risk parameters taken together, public sector banks are perceived to be the most secure, followed by private and foreign banks. The findings of this study have various implications for both research and practice. Private and foreign banks in India may adopt appropriate marketing strategies to achieve a favorable perception. Various studies have been conducted earlier on these factors and their interrelationship, but limited research has been carried out to demonstrate the importance of each of these factors in relation to the other as perceived by the user. Moreover, the study quantifies factors in order of their importance.

scholarly journals Evolution of Strategic Groups amongst Public Sector Banks in India

2017 ◽  
Vol 4 (01) ◽  
Author(s):  
Sonia .
Keyword(s):  
Public Sector ◽  
T Test ◽  
Foreign Banks ◽  
Strategic Groups ◽  
Advertising Expenditure ◽  
Public Sector Banks ◽  
Operating Expenditure ◽  
Time Period ◽  
Nationalised Banks ◽  
Dynamic Formation

As a result of reforms, competition has led to the expansion of banking markets. With the entry of new private and foreign banks, the competition has affected the conduct of public sector banks. Our objective is to determine whether conduct of public sector reveals that there are strategic groups amongst Public Sector Banks. We have estimated the growth rates of the PSBs as a sector, as well as, two strategic groups, viz., SBI Group and Nationalised banks. Using paired t-test on the data for 1992 and 2016, we have compared the conduct of the two strategic groups, for four conduct variables. All four conduct variables, namely, advertising expenditure, operating expenditure, diversification, and investment in government securities show the presence of strategic groups amongst public sector banks. The paper also establishes that strategic groups are a part of conduct, not structure. It is well established through a set of t-test that in the case of public sector banks, strategic groups, to begin with, did not exist. However, with the emergence of competition, public sector banks chose to polarize as to distinct strategic groups through a process of dynamic formation of such groups namely, SBI group and Nationalised group. We establish through this paper that evolution of strategic groups amongst public sector banks have taken place over the time period.

Study on Ship Form Technical and Economic Evaluation DS Based on Interactive MCDM

2006 ◽  
Author(s):  
Sang Song ◽  
Li-Hua Jun
Keyword(s):  
Decision Making ◽  
Analytical Hierarchy Process ◽  
Accurate Result ◽  
Multiple Criteria Decision Making ◽  
Least Square Method ◽  
Least Square ◽  
New Method ◽  
Decision Systems ◽  
Complex Decision ◽  
Hierarchy Process

A new method of interactive Multiple Criteria Decision Making (MCDM) is presented. In order to settle the problem that in the cases for the ship designers sometimes it is difficult to make a decision when facing so complex ship form schemes. The conventional AHP (Analytical Hierarchy Process) is adopted, but it mostly depends on the designer’s subjective and leads to the systematic error. The new method can obtain the accurate result with the rigid least square method as a tool, making full use of the AHP and the objective information entropy, which reflects the inherent attribute. When applied in the practice, it is proved to be effective, practical and dependable for future ships’ complex Decision Systems (DS).

Research on Evaluation of Group-Buying Website Based on FAHP

2011 ◽  
Vol 204-210 ◽  
pp. 1588-1593 ◽  
Author(s):  
Shou Ming Chen ◽  
Ru Li
Keyword(s):  
Decision Making ◽  
Analytical Hierarchy Process ◽  
Fuzzy Ahp ◽  
Multiple Criteria Decision Making ◽  
Multiple Criteria ◽  
Group Buying ◽  
Research On Evaluation ◽  
Hierarchy Process

The group-buying online, a boom of e-commerce phenomenon, expands rapidly in China. Hence, the evaluation of group-buying website is essential for CEO to improve their website performance and for consumers to select the platform to purchase. However, the evaluation of group-buying website is a multiple-criteria decision making (MCDM) problem that is not easy to determine. For this reason, we propose analytical hierarchy process based approaches Fuzzy AHP, to evaluate the group-buying websites. In addition, a case study is presented to demonstrate how the approach can help in solving such problems in practice.

scholarly journals E-Banking: Problems and Prospects an Empirical Study in Punjab

2011 ◽  
Vol 2 (3) ◽  
pp. 118-124
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Empirical Study ◽  
Private Sector ◽  
Old Age ◽  
Middle Age ◽  
Foreign Banks ◽  
Banking Services ◽  
The Public ◽  
Public Sector Banks ◽  
Bank Employees

The present study is concerned with the problems and prospects of e-banks in India. The present paper suggests some policies on the basis of perceptions of 60 selected e-bank employees regarding the various issues related to e-banking services. The paper concluded that not more then 50% of Indian bank customers are using e-channels, these channels are not much popular among old age and middle age persons as much as among youngsters and finally the paper concludes that the most of the customers are shifting from public sector banks to new private sector banks or foreign banks to avail innovative and attractive services. On the basis of these conclusions, paper suggests some strategies to make the public sector banks more competitive in the era of IT.

scholarly journals Penerapan Multiple Criteria Decision Making untuk Pemilihan Dosen Prestasi

Techno Com ◽  
2017 ◽  
Vol 17 (1) ◽  
pp. 48-60
Author(s):  
Tri Widayanti
Keyword(s):  
Decision Making ◽  
Analytical Hierarchy Process ◽  
Multiple Criteria Decision Making ◽  
Multiple Criteria ◽  
Ideal Solution ◽  
Hierarchy Process

Dengan adanya penyelenggaraan pemilihan dosen berprestasi di tingkat nasional, maka diharapkan setiap perguruan tinggi terdorong untuk memiliki sistem penghargaan yang terprogram bagi dosen yang memiliki prestasi tinggi dalam pelaksanaan tridarma perguruan tinggi. Dalam pemilihan dosen berprestasi tersebut sering muncul subyektifitas para pengambil keputusan.Tujuan dari penelitian ini adalah dengan penunjang keputusan, pengambilan keputusan akan lebih objektif dalam memilih dosen berprestasi. Penelitian Multiple Criteria Decision Making dilakukan dengan menggunakan 2 metode yaitu Analytical Hierarchy Process (AHP) dan Technique for Order by Similarity to Ideal Solution (TOPSIS). AHP digunakan untuk menentukan bobot kepentingan dari setiap kriteria dan sub kriteria penilaian dosen berprestasi, kemudian TOPSIS digunakan untuk memilih alternatif dosen berprestasi yang memerlukan pertimbangan. Hasil penelitian  menunjukkan bahwa AHP dan TOPSIS dapat digunakan sebagai pendukung pembuat keputusan yang multi kriteria dan memerlukan banyak pertimbangan dalam pemilihan dosen berprestasi di perguruan tinggi. Metode AHP dan TOPSIS dapat membedakan dengan jelas  berdasarkan nilai preferensi yang dihasilkan sehingga memberikan keputusan yang objektif.

scholarly journals Excellency in banking services - A new road map for banks in the emerging new competition

2011 ◽  
Vol 1 (1) ◽  
pp. 32-40 ◽  
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Banking Sector ◽  
Quality Parameters ◽  
Foreign Banks ◽  
Survey Study ◽  
Banking Services ◽  
Empirical Survey ◽  
Public Sector Banks ◽  
Road Map

The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availability regarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking services and on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

A Comparative Study of Non-performing Assets Using Non-parametric Test: Indian Scheduled Commercial Banks

2021 ◽  
pp. 097674792110278
Author(s):  
Bhabani Mishra ◽  
S. S. Rath
Keyword(s):  
Public Sector ◽  
Comparative Study ◽  
Commercial Banks ◽  
Foreign Banks ◽  
Parametric Test ◽  
Public Sector Banks ◽  
Significant Difference ◽  
The Individual ◽  
Asset Quality ◽  
Non Parametric

Galloping levels of impaired assets slowly destroy the economy by throwing it into a major financial crisis. The current article studies recent trends and compositions of stressed assets among 45 selected Indian commercial banks. The non-parametric test (Kruskal–Wallis) is applied to know whether there exists any difference in the movement of gross non-performing assets ratios and net non-performing assets ratios (NNPAs) among bank groups and individual banks. The group-wise comparative study shows that a significant difference exists in the movement of NNPA ratio only between foreign banks and public sector banks and between private banks and public sector banks. Significant differences also exist among the individual banks in foreign and private bank groups. The Games–Howell post-hoc test finds that some pairs of banks have significant differences. The current financial downswing attributed to pandemic has increased the chances of fraudulency and sporadic default events and enhanced the problem of bad loans. Amalgamations of State Bank of India with its associates in 2017 and Bank of Baroda with Dena Bank and Vijaya Bank in 2019 have shown falls in stressed assets that possibly foreshow the future furtherance in asset quality of other four anchor banks that are merged with six banks, with effect from April 2020. JEL Codes: G21, G34

scholarly journals Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs) in the Indian Banking Sector

2017 ◽  
Vol 12 (2) ◽  
pp. 125-135
Author(s):  
Laila Memdani
Keyword(s):  
Public Sector ◽  
Fixed Effects ◽  
Banking Sector ◽  
Foreign Banks ◽  
Fixed Effects Model ◽  
Ownership Structures ◽  
Public Sector Banks ◽  
Reserve Bank ◽  
Private Banks ◽  
Econometric Technique

Abstract The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs), private banks (PBs) and foreign banks (FBs), of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI), the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY) and Inflation (INFN), are significantly affecting NPLs in Public Sector Banks (PSBs). In case of private banks (PBs) LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS) are significant at 10% level. For FBs none of the variables were significant.

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