scholarly journals Circumstances Probing Internet Banking Users to Use Alternative Channels: Thematic Matrix Display Analysis

2013 ◽  
Vol 5 (1) ◽  
pp. 1-12
Author(s):  
Sujana Adapa
Keyword(s):  
Financial Services ◽  
Management Strategies ◽  
Internet Banking ◽  
Matrix Analysis ◽  
Analysis Technique ◽  
Service Areas ◽  
Context Data ◽  
Bank Executives ◽  
The Impact ◽  
Effective Service

This study highlights the circumstances that actually probe internet banking users to switch to the use of alternative channels in performing their banking transactions within Australian context. Data obtained from 372 internet banking users was analysed by employing thematic matrix analysis technique to identify various macro and micro thematic categories in that hierarchical order of importance. Results revealed factors such as ‘unable to perform over the internet’, ‘lack of internet access’, ‘not sure of something’, ‘problem rectification’, ‘proximity to auxiliary facilities’ and ‘type of internet connectivity’ were relevant in identifying the circumstances under which they preferred to use other banking channels. The study provides important implications for the formulation of effective service delivery channel management strategies by way of implementing effective mechanisms. Moreover, the study also outlines important guidelines for practical solutions in order to reduce the impact of situational barriers thus focusing on effective customer retention strategies. With the information provided by this research, bank executives, consultants and academics will have enhanced knowledge of the service areas they need to focus on to improve customer satisfaction, retention and profitability in the financial services businesses.

COVID -19 and Indian Financial Markets: A Review

2020 ◽  
Vol 16 (02) ◽  
pp. 1-8
Author(s):  
Kamaldeep Kaur Sarna
Keyword(s):  
Financial Markets ◽  
Financial Institutions ◽  
Financial Services ◽  
Stock Markets ◽  
Global Economy ◽  
Banking Sector ◽  
Global Financial Crisis ◽  
Negative Impact ◽  
Management Strategies ◽  
The Impact

COVID-19 is aptly stated as a Black Swan event that has stifled the global economy. As coronavirus wreaked havoc, Gross Domestic Product (GDP) contracted globally, unemployment rate soared high, and economic recovery still seems a far-fetched dream. Most importantly, the pandemic has set up turbulence in the global financial markets and resulted in heightened risk elements (market risk, credit risk, bank runs etc.) across the globe. Such uncertainty and volatility has not been witnessed since the Global Financial Crisis of 2008. The spread of COVID-19 has largely eroded investors’ confidence as the stock markets neared lifetimes lows, bad loans spiked and investment values degraded. Due to this, many turned their backs on the risk-reward trade off and carted their money towards traditionally safer investments like gold. While the banking sector remains particularly vulnerable, central banks have provided extensive loan moratoriums and interest waivers. Overall, COVID-19 resulted in a short term negative impact on the financial markets in India, though it is making a way towards V-shaped recovery. In this context, the present paper attempts to identify and evaluate the impact of the pandemic on the financial markets in India. Relying on rich literature and live illustrations, the influence of COVID-19 is studied on the stock markets, banking and financial institutions, private equities, and debt funds. The paper covers several recommendations so as to bring stability in the financial markets. The suggestions include, but are not limited to, methods to regularly monitor results, establishing a robust mechanism for risk management, strategies to reduce Non-Performing Assets, continuous assessment of stress and crisis readiness of the financial institutions etc. The paper also emphasizes on enhancing the role of technology (Artificial Intelligence and Virtual/Augmented Reality) in the financial services sector to optimize the outcomes and set the path towards recovery.

The Impact of Financial Distress, Corporate Governance, and Auditor Switching on Audit Delay

2021 ◽  
Vol 6 (2) ◽  
pp. 108-117
Author(s):  
Sylvi Angelia ◽  
Rizal Mawardi
Keyword(s):  
Corporate Governance ◽  
Financial Services ◽  
Financial Distress ◽  
Audit Committee ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Auditor Switching ◽  
Analysis Technique ◽  
The Impact

Objective – The purpose of this study is to examine the effect between financial distress, corporate governance, auditor switching and audit delay. This research sample using data on a manufacturing company on the Indonesia Stock Exchange. Methodology – The analysis technique used is multiple linear regression analysis technique. Findings– The research finding show that financial distress and the size of the audit committee have a significant effect on audit delay, while the concentration of ownership, managerial ownership, change of directors, and auditor switching has no significant effect on audit delay. Second finding explain that consideration for companies listed on the Indonesia Stock Exchange to pay attention to the timeliness of submitting financial reports and independent auditor reports so as not to get sanctions from the Financial Services Authority. Novelty – Our novelty research using the relationship of Financial Distress, Corporate Governance and Auditor Switching on new research model to Audit Delay. Type of Paper: Empirical JEL Classification: M41, M42 Keywords: Financial Distress, Corporate Governance, Auditor Switching, Audit Delay

Global E-Banking Trends

2010 ◽  
pp. 1-16
Author(s):  
Sujana Adapa
Keyword(s):  
Financial Services ◽  
Management Strategies ◽  
Distribution Channel ◽  
Distribution Channels ◽  
Alternative Strategy ◽  
Future Directions ◽  
Bank Branches ◽  
Industrialized Nations ◽  
Traditional Mode ◽  
The Impact

The traditional mode of delivering products and services by banks to the consumers’ is through a single distribution channel and that is physical bank branches. Financial services industry is metamorphosing due to the advent of internet, rapid technological evolutions, deregulation, globalization as well as the impact of changing competitive and regulatory forces. In order to cope with the quick changes in the business scenario, banks started to rely on distribution channels as an alternative strategy for differentiation and gaining further competitive advantage. The abovementioned paved way for the development of the ebanking phenomena. This chapter attempts to provide a comprehensive explanation of what ebanking is, the evolution of ebanking, existing trends of ebanking in developed, developing and newly industrialized nations, future directions for further possible research and concluding remarks. The content provided in this chapter would be useful for existing and potential banks to better understand the global ebanking trends and thus aid in the effective formulation of channel management strategies and reap the benefits out of it.

scholarly journals The Case of COVID-19 impact on the level of non-performing loans of conventional commercial banks in Indonesia

2021 ◽  
Vol 16 (1) ◽  
pp. 62-68
Author(s):  
Siti Epa Hardiyanti ◽  
Lukmanul Hakim Aziz
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Management Policy ◽  
Credit Risk Management ◽  
Analysis Technique ◽  
Human Ability ◽  
The Impact ◽  
External Indicator

This study aims to investigate the impact of COVID-19 on the increase in bad credits at conventional commercial banks in Indonesia. The data used in this study are secondary data sourced from the Ministry of Health and from the Financial Services Authority (OJK), each of which consists of 50 data samples. The data analysis technique used in this study is simple regression analysis to determine the magnitude of the influence of COVID-19 on non-performing loans. The results of the data analysis show that COVID-19 has a significant effect on non-performing loans, and the COVID-19 variable can be used as an external indicator of the increase in non-performing loans for commercial banks in Indonesia. The implication of the research is that other researchers can make COVID-19 an external indicator of an emergency beyond human ability that can affect the level of non-performing loans. For banking, this study can be used as a reference when considering credit risk management policy during the COVID-19 pandemic. AcknowledgmentThe researchers are grateful to University of Sultan Ageng Tirtayasa for financial support. In addition, the authors sincerely apologize for the errors and mistakes found in this paper.

scholarly journals Pandangan Pengguna Internet terhadap Minat dalam Adopsi Internet Banking pada Masyarakat Kota Batam, Provinsi Kepulauan Riau, Indonesia

SKETSA BISNIS ◽  
2020 ◽  
Vol 7 (1) ◽  
pp. 27-36
Author(s):  
Fendy Cuandra
Keyword(s):  
Financial Services ◽  
Banking System ◽  
Internet Banking ◽  
Retail Banking ◽  
The Internet ◽  
Banking Services ◽  
Self Service ◽  
Self Service Technology ◽  
Internet Banking Services ◽  
The Impact

Abstract Financial services have now been transformed due to the impact of the development of Information and Communication Technology (ICT). It also affects the form of retail banking services that occur in various countries, resulting in changes in the needs and preferences of consumers. Consumer needs have changed, making banks use advanced information technology such as the internet to achieve competitive advantage in terms of customer service. Internet Banking is a type of service in the form of an online transaction method for money transfer transactions in 1 (one) certain bank account to another account that can be done at any time. Internet banking services are becoming popular and growing services so that they are better known as self-service technology. However, internet banking services can be ignored and avoided if the customer feels that he is not ready or comfortable in utilizing the capabilities of the internet banking system. Keywords:internet, internet banking, technology Abstrak Pelayanan keuangan saat ini telah bertransformasi akibat dampak pengembangan Teknologi Informasi dan Komunikasi (TIK). Hal tersebut juga mempengaruhi bentuk layanan perbankan ritel yang terjadi di berbagai negara, sehingga terjadi perubahan atas kebutuhan maupun preferensi konsumen. Kebutuhan konsumen yang telah berubah, membuat perbankan memanfaatkan teknologi informasi maju seperti internet untuk mencapai keunggulan kompetitif dalam hal pelayanan konsumen. Internet Banking merupakan jenis layanan berupa metode bertransaksi secara online untuk transaksi pengiriman uang dalam 1 (satu) rekening bank tertentu ke rekening lain yang dapat dilakukan sewaktu-waktu. Layanan internet banking menjadi layanan populer dan berkembang sehingga lebih dikenal sebagai layanan teknologi mandiri (Self-service Technology). Namun, layanan internet banking dapat diacuhkan dan dihindari apabila pelanggan merasa belum siap ataupun belum nyaman dalam memanfaatkan kemampuan system internet banking.Kata Kunci: internet, internet banking, teknologi

PROFIL KERAGAMAN VEGETASI EKOSISTEM MANGROVE DI DESA TAMUKU KABUPATEN LUWU UTARA

2019 ◽  
Vol 5 ◽  
pp. 104
Author(s):  
Suhendra Purnawan ◽  
Subari Yanto ◽  
Ernawati S.Kaseng
Keyword(s):  
Survey Methods ◽  
Mangrove Ecosystem ◽  
Line Transect ◽  
Mangrove Forests ◽  
Vegetation Diversity ◽  
Line Transect Survey ◽  
Analysis Technique ◽  
Mangrove Vegetation ◽  
Data Collection Technique ◽  
The Impact

This study aims to describe the profile of vegetation diversity in the mangrove ecosystem in Tamuku Village, Bone-Bone-Bone District, North Luwu Regency. This research is a qualitative research using survey methods. The data collection technique uses the Quadrant Line Transect Survey technique. The data analysis technique uses the thinking flow which is divided into three stages, namely describing phenomena, classifying them, and seeing how the concepts that emerge are related to each other. The results of this study are the profile of mangrove vegetation in Tamuku Village, which is still found 16 varieties of true mangrove vegetation and 7 varieties of mangrove vegetation joined in the coastal area of Tamuku Village, Bone-Bone District, North Luwu Regency, South Sulawesi. The condition of mangrove vegetation in Tamuku Village is currently very worrying due to human activities that cause damage such as the project of normalization of flow, opening of new farms, disposal of garbage, water pollution due to chemicals, and exploitation of mangrove forests for living needs. The impact is ecosystem damage and reduced vegetation area as a place to grow and develop mangroves.

Effective service delivery through quality management system (QMS) in oil and gas servicing companies, a case study of selected firms, Port Harcourt

2019 ◽  
Author(s):  
Chem Int
Keyword(s):  
Quality Management ◽  
Service Delivery ◽  
Management System ◽  
Oil And Gas ◽  
Quality Management System ◽  
Local Content ◽  
Port Harcourt ◽  
Test Of Hypotheses ◽  
The Impact ◽  
Effective Service

This study investigated the impact of Quality Management System (QMS) on effective service delivery in Oil and Gas Servicing Companies in selected firms in Port Harcourt, Nigeria. The opinion of 50 respondents were sampled using questionnaires, interviews as well as observation from journals and texts used in this work to examine the Quality Management System (QMS) of the selected firms. Using simple percentages and the Chi-square (X2) test of hypotheses, it was hypothetically established that the implementation of QMS practices, has impacted the work process, procedure and improvement on quality over the years in the Oil and Gas Servicing companies in Port Harcourt Nigeria. The research identified an adopted use of Failure Mode and Effect Analysis (FMEA) tool as a continual quality improvement initiative developed in the local content oil and gas servicing operation for equipment handling, management and to drive sustained improved performance quality processes as a key driver of a progressive that will place local content companies as an options for producing companies and at par with multinational oil and gas companies.

Pengungkapan Corporate Social Responsibility (CSR) dan Kinerja Keuangan Perusahaan dengan Pengungkapan Anti Korupsi sebagai Variabel Moderasi

2019 ◽  
Vol 13 (2) ◽  
Author(s):  
Arief Hidayatullah Khamainy ◽  
Dessy Novitasari Laras Asih
Keyword(s):  
Regression Analysis ◽  
Financial Performance ◽  
Stock Exchange ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Analysis Technique ◽  
Study Population ◽  
Csr Disclosure ◽  
Corporate Social ◽  
The Impact

The research was carried out to find the influence of training material and methods of training toward workability. The study was conducted respectively from an employee of PD BPR Bantul Yogyakarta. The purpose of this research is expected to be useful for stakeholders in seeing CSR disclosure in the company in testing and analyzing its effect on the company's financial performance and with the presence of anti-corruption exposure, whether it will strengthen the impact of CSR disclosure on the company's financial performance. The study population in this study were all mining companies registered on the Indonesia Stock Exchange in 2016-2018 with a total of 63 companies. The research sample was taken using a random sampling technique that was calculated by the Slovin formula so that 54 samples were obtained for analysis. Linear Regression Analysis and Moderation Regression Analysis were chosen as the analysis technique used in this study. The results show that CSR disclosure does not affect the company's financial performance, and anti-corruption disclosure does not affect the relationship between the two.

Quantification of the Impact of Strontium on the Solidification Path of the Aluminum-Silicon-Copper Alloys Using Thermal Analysis Technique

2009 ◽  
Vol 46 (3) ◽  
pp. 137-152 ◽  
Author(s):  
Mile Djurdjevic ◽  
Glenn Byczynski ◽  
Carola Schechowiak ◽  
Hagen Stieler ◽  
Jelena Pavlovic
Keyword(s):  
Thermal Analysis ◽  
Copper Alloys ◽  
Solidification Path ◽  
Thermal Analysis Technique ◽  
Analysis Technique ◽  
The Impact ◽  
Aluminum Silicon

A Study on Investment Decision of Investors With Reference to Penetration of Mutual Funds in India

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Ratish C Gupta ◽  
Dr. Manish Mittal
Keyword(s):  
Decision Making ◽  
Real Estate ◽  
Mutual Funds ◽  
Capital Markets ◽  
Mutual Fund ◽  
Financial Services ◽  
Investment Decision ◽  
Fund Industry ◽  
Mutual Fund Industry ◽  
The Impact

The Indian mutual fund industry is one of the fastest growing and most competitive segments of the financial sector. The extent of under-penetration in the market is a sore point with the financial services industry, with a large amount of savings being channelized into fixed deposits, gold and real estate rather than the capital markets. The mutual fund industry is yet to spread its reach beyond Tier I cities. The top fifteen cities contribute to 85% of the pie, with the remaining 15% distributed among other cities. The study seeks to determine the impact of decision making of investors on current situation of mutual fund industry.

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