scholarly journals Prospects and challenges of Online Banking Services in Pakistan: A case Study of Karachi

2015 ◽  
Vol 10 (5) ◽  
pp. 2155-2167
Author(s):  
Zahid Hussain Kazi ◽  
Ghulam Murtaza Maitlo ◽  
Dr.Ambreen Khaskheley ◽  
Faiz M.Shaikh
Keyword(s):  
Perceived Risk ◽  
Reliability And Validity ◽  
Internet Banking ◽  
Study Data ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Factors Affecting ◽  
Independent Variable

The current research investigates Prospects and challenges  of Online Banking Services in Pakistan: A case Study of Karachi.Data were collected from 400 respondent using online banking practices in Karachi Sindh-Pakistan by using simple random technique. A structural Questionnaire was developed for the reliability and validity of data.In this study data of independent variable and dependent variable were collect from the customers of different banks of Karachi.It was revealed that the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market

scholarly journals Mobile banking adoption and usage among Generation Y Malaysians

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 1170
Author(s):  
Momen Tarawneh ◽  
Lan Thi Phuong Nguyen ◽  
Yong Fie
Keyword(s):  
Perceived Risk ◽  
Interface Design ◽  
Credit Card ◽  
Internet Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Design Quality ◽  
Banking Services ◽  
Factors Affecting ◽  
Actual Use

Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.

scholarly journals The effect of web-related features on intention to use online banking of ATM users

2021 ◽  
Vol 5 (4) ◽  
pp. 629-640
Author(s):  
Khalid AL-Zu’bi
Keyword(s):  
Commercial Banks ◽  
Perceived Risk ◽  
Internet Banking ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Perceived Benefit ◽  
Intent To Use ◽  
Internet Banking Services ◽  
The Impact

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

scholarly journals An Analysis of the Employee Behavior on Sales in L'Oreal: A Case Study of Pakistan

2020 ◽  
Vol V (I) ◽  
pp. 299-308
Author(s):  
Zargham Ullah Khan ◽  
Ujala Siddiq ◽  
Jaffar Mehmood Butt
Keyword(s):  
Positive Impact ◽  
Descriptive Analysis ◽  
Study Data ◽  
Employee Behavior ◽  
Online Questionnaire ◽  
Factors Affecting ◽  
Binomial Regression ◽  
Behavioral Motivation ◽  
Independent Variable

This research is carried out to investigate the most important traits of employee behavior. A quantitative approach was employed for this study. Data were collected from 120 participants using an online questionnaire. These participants are active users of Facebook who are residents of Pakistan and currently working on L'Oreal Pakistan, who are at a different position in L'Oreal Pakistan. Statistical analysis, such as binomial regression which is used for qualitative analysis used together with descriptive analysis, was used to 'assess factors affecting employee behavior in L'Oreal Pakistan. The findings of the research show that the independent variable is indicators of leadership and reward has changed the behavioral motivation of company employees and this motivational, behavioral change has a positive impact on sales of L'Oreal Pakistan. This research investigated the factors which industry can use as a tool to change their employee behavior and sales. This will help to gain increasing generous offers and valuable insights to marketing practitioners and academics.

scholarly journals The Factors Affecting the Adoption of Online Banking Services by Civil Servants in Cameroon

2020 ◽  
Vol 5 (7) ◽  
pp. 1452-1459
Author(s):  
Lith Enestine Tembon Ambit
Keyword(s):  
Customer Service ◽  
Descriptive Analysis ◽  
Internet Banking ◽  
Online Banking ◽  
Civil Servants ◽  
Banking Services ◽  
Factors Affecting ◽  
Insignificant Effect ◽  
Internet Fraud ◽  
Banking Service

Factors affecting the adoption of online banking services by civil servants in Cameroon was examined in this survey. Raw data were gotten through questionnaire which was distributed mostly among the civil servant in Douala of Cameroon. The analyses used in this survey were crosstabs test, descriptive analysis, factor analysis, correlation test, and regression test. The findings revealed that awareness factor has a positive and significant effect on online banking, security & trust assurance showed a negative and insignificant effect on online banking service, innovative factor displayed a negative and insignificant effect on online banking service, and customer service assurance revealed positive but has insignificant impact on online banking service. It was concluded that internet banking is difficult to understand and its time consuming among many of the users and internet fraud discourages the use of internet banking in Cameroon. Additionally, the dissemination of information through the internet is not mostly secure and efficient.

scholarly journals Perceived Ease of Use and Trust Towards Intention to Use Online Banking in Malaysia

2020 ◽  
Vol 15 (1) ◽  
pp. 107-114
Author(s):  
Siti Rapidah Omar Ali ◽  
Wan Nur Khadijah Wan Marzuki ◽  
Nur Shafini Mohd Said ◽  
Suhaily Maizan Abdul Manaf ◽  
Nur Dalila Adenan
Keyword(s):  
Technology Acceptance ◽  
Pearson Correlation ◽  
Internet Banking ◽  
Online Banking ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Municipal Council ◽  
Acceptance Model

The development and invention of technology has transformed the way organizations conduct their businesses currently including banking institutions mainly in offering online banking services. Since the year of 2000, online banking services have been introduced in Malaysia. Still, online banking users in Malaysia are intolerant by issues of trust towards online banking which affect their level of acceptance. This study aims to identify the effect of perceived ease of use and trust towards intention to use internet banking among staff in Municipal Council in Malaysia. Technology Acceptance Model (TAM) was used as a research framework. 265 online banking users in a Municipal Council in Malaysia were tested using self-administered questionnaire. To examine the relationship between perceived ease of use and trust towards the intention to use internet banking, Pearson correlation and multiple regression were employed. The findings showed that perceived ease of use and trust have significant relationship with the intention to use internet banking. The outcomes offered valued information for both financiers and policy makers particularly when designing online banking marketing approaches

scholarly journals Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh

2016 ◽  
Vol 9 (1) ◽  
pp. 47
Author(s):  
Mohammad Zahed Hossain
Keyword(s):  
Mobile Apps ◽  
Age Groups ◽  
Cost Effective ◽  
Internet Banking ◽  
Demographic Variables ◽  
Online Banking ◽  
Primary Data ◽  
Mobile Banking ◽  
Chi Square ◽  
Banking Services

<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>

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 Determinant of Customers’ Intention to Use Islamic Banking (Case Study in Jayapura City)

IKONOMIKA ◽  
2020 ◽  
Vol 5 (1) ◽  
pp. 55-70
Author(s):  
Ira Eka Pratiwi (IAIN Fattahul Muluk Papua, Indonesia) ◽  
Fachrudin Fiqri Affandy (IAIN Fattahul Muluk Papua, Indonesia) ◽  
Abdul Karman (IAIN Fattahul Muluk Papua, Indonesia)
Keyword(s):  
Social Influence ◽  
Reliability And Validity ◽  
Internal Consistency Reliability ◽  
Capital City ◽  
Islamic Banking ◽  
Intention To Use ◽  
Face To Face ◽  
Dependent Variables ◽  
Structured Questionnaire

This study investigates the influence of faith, social influence, regulation, and bank functions on the intention to use Islamic banking. The study used quantitative method and the data was collected using a structured questionnaire. The sample consisted of 200 customers of one of the largest Islamic bank in Indonesia: Bank Mandiri Syariah, which is located in Jayapura, the capital city of Papua Province. The data were obtained by random sampling using through a face-to-face survey. The internal consistency reliability and validity test indicated that all scale items were proven reliable and valid. The multiple regression linear was used to analyze the influence of independent variables toward dependent variables. This study suggested that faith significantly affected the customers intention to use Islamic banking. Meanwhile, social influence, regulation, and bank functions did not show a significant influence on customers’ intention to use Islamic banking.Key words : Islamic Banking; Faith; Social Influence; Regulation; Bank Function

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