Customers Perception towards Mobile Banking Services with Special Reference to Dehradun District of Uttarakhand, A Critical Analysis

Making customers adopt mobile banking is a great challenge for banks, and especially for Islamic banks. This study investigates the factors that could predict the customers' use intention of the mobile banking services of Islamic banks by applying the conceptual model of UTAUT2. The model was further extended with gamification, as a promising tool to ease the adoption, while discussing the moderating effect of age and gender for all variables. The applied questionnaire to collect data has resulted in 205 respondents. The findings implied that facilitating conditions, habit, price value, and performance expectancy are effective variables in Islamic banking customers' behavioral intention to use m-banking. Gamification has a positive effect only when customers are younger than 30. It is further discovered that only the customers 30 and older had performance expectancy. Regarding gender differences, the only finding is the men's greater interest in the price value.

Download Full-text

Pengaruh Kualitas Layanan, Nilai Nasabah, Kepercayaan dan Kepuasan Terhadap Loyalitas Nasabah Pengguna Layanan Mobile Banking Syariah

Jurnal Sains Pemasaran Indonesia (Indonesian Journal of Marketing Science) ◽

10.14710/jspi.v19i3.134-158 ◽

2020 ◽

Vol 19 (3) ◽

pp. 134-158

Author(s):

Yulia Widi Astuti ◽

Ratno Agriyanto ◽

Ahmad Turmudzi

Keyword(s):

Data Analysis ◽

Service Quality ◽

Customer Loyalty ◽

Customer Value ◽

Service Users ◽

Mobile Banking ◽

Banking Services ◽

Insignificant Effect ◽

Banking Service ◽

The City

This study analyzes the effect of service quality, customer value, trust and satisfaction on customer loyalty at Bank Syariah Mandiri. The problem in this research is: how to increase customer loyalty of mobile banking service users at BSM. This study used 100 respondents using mobile banking services at BSM in the city of Semarang. Data analysis using SEM with the Smart PLS 3 computer program. The results showed that, among other things, service quality had a positive and insignificant effect on loyalty. Customer value has a positive and significant effect on loyalty. The effect of trust on customer loyalty has a positive and insignificant effect. Meanwhile, satisfaction has a positive and significant effect on loyalty.

Download Full-text

CRITICAL ANALYSIS OF CHAKSHUSHYA DRAVYAS AND ITS CLINICAL APPLICATIONS WITH SPECIAL REFERENCE TO SUSHRUTA SAMHITA

International Journal of Research in Ayurveda and Pharmacy ◽

10.7897/2277-4343.1204107 ◽

2021 ◽

Vol 12 (4) ◽

pp. 62-67

Author(s):

Amritha Mohan ◽

Pradeep K Kumar ◽

Visakh MD

Keyword(s):

Special Reference ◽

Human Body ◽

Critical Analysis ◽

Clinical Applications ◽

Underlying Diseases

Netra is considered as one of the very important organs in human body. Chakshushya dravyas are the materials which are believed to be beneficial for eyes, henceforth usages of those Dravyas are recommended in various contexts of Sushruta Samhita. In the light of this knowledge and based on Rasadi gunas of Chakshushya dravyas explained in Ayurveda, a critical analysis of those dravyas is done to find out the logic behind the labelling of ‘Chakshushya dravyas’. Triphala, Ksheera, Madhu, Ghrita, Prapaundarika, Saindhava, Yava, Shatavari, Mudga, Jeevanti, Patola are critically analyzed. Even though most of the Chakshushya dravyas are predominantly Madhura rasa dravyas, there are dravyas that are Katu and Kashaya rasa predominant which are seldom told as Chakshushya. Tikta rasa is not considered as Chakshushya but some of the Chakshushya dravyas are Tikta rasa Pradhana. Majority of Chakshushya dravyas possess Rasayana, Brimhana, or Vrishya properties and all of them are not directly contributing to vision. There are ‘Chakshushya Rasayana’ dravyas i.e., dravyas which directly enhances the vision and other dravyas which pacifies the underlying diseases of eye and prevent the secondary manifestations.

Download Full-text

What keeps Islamic mobile banking customers loyal?

Journal of Islamic Marketing ◽

10.1108/jima-08-2017-0090 ◽

2019 ◽

Vol 10 (2) ◽

pp. 525-542 ◽

Cited By ~ 2

Author(s):

Mohamed Asmy Bin Mohd Thas Thaker ◽

Md Fouad Bin Amin ◽

Hassanudin Bin Mohd Thas Thaker ◽

Anwar Bin Allah Pitchay

Keyword(s):

Customer Satisfaction ◽

Customer Service ◽

Mediating Effect ◽

Primary Data ◽

Islamic Banking ◽

Intention To Use ◽

Mobile Banking ◽

Continuance Intention ◽

Banking Services ◽

Content Type

Purpose This study aims to find important factors of Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services. Design/methodology/approach The primary data are collected from the survey administered to 250 customers in the Klang Valley and the analysis is conducted using partial least squares (PLS). Findings Based on the findings, continuance intention of using Islamic mobile banking services was found to be depended on the usability of mobile banking services, customer service provided by Islamic banks towards mobile banking services, customer satisfaction on mobile banking services and trust of customers towards mobile banking services. In addition, the mediating effect of Islamic mobile banking services continuance adoption is significantly influenced by customer satisfaction and trust. Research limitations/implications The sample size and area of study become the obvious limitations, and interpretation of the results and conclusion cannot be as generalised. In addition, as the respondents of this study are existing customers who have used Islamic mobile banking services at least once, relying on the perception of one key informant might imply cognitive biases. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the customers’ continuance intention in using Islamic mobile banking services. Practical implications By understanding these continuance intention factors amongst the customers, it would help the industry player particularly Islamic banking to plan and strategise appropriate policies and support necessary programmes on diversifying and promoting financial transaction using mobile banking services amongst their existing and potential customers. Originality/value This paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focuses on loyalty towards Islamic mobile banking services. The paper is considered to be the first attempt to examine the factors that influence Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services.

Download Full-text