scholarly journals Electronic Banking Services and Net Profit in Kosovo: Using Simple Linear Regression and the Correlation Method

SEEU Review ◽  
2019 ◽  
Vol 14 (2) ◽  
pp. 150-168
Author(s):  
Jeton Zogjani ◽  
Agon Zogjani
Keyword(s):  
Positive Impact ◽  
Correlation Method ◽  
Electronic Banking ◽  
Banking Services ◽  
Point Of Sale ◽  
Banking Market ◽  
Net Profit ◽  
Automated Teller Machine ◽  
Main Paper ◽  
Research Period

AbstractThe main aim of this paper is to analyze the electronic banking services in Kosovo’s banking net profit during the period 2013 - 2017. The paper discusses the role that these services have played in the development of the banking industry, modernization of e-commerce, and economic growth. These services provide higher security, faster and easier access by reducing transaction costs, access to more distant markets, and access to many products and services. The main paper results have shown that E-banking services have the highest positive impact in banking net profit, while automated teller machine services have shown a slight positive impact. The highest positive correlation results have been seen in point-of-sale services, whereas automated teller machine services showed a negative correlation in banking net profit in Kosovo during the research period. The constant increase of demand for these services has enabled banks to increase their profits in the banking market of Kosovo. Therefore, the paper finds that commercial banks in Kosovo should increase their focus on the advancement and development of electronic banking services (particularly, E-Banking services which are very practical and can be easily used anywhere and anytime).

scholarly journals Electronic Banking and Performance of Small and Medium Scale Enterprises in Anambra State, Nigeria

2019 ◽  
Vol 14 (6) ◽  
pp. 173
Author(s):  
Stella Mbah ◽  
Jeffery Obiezekwem
Keyword(s):  
Business Environment ◽  
Short Message ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Banking Services ◽  
Point Of Sale ◽  
Anambra State ◽  
Medium Scale ◽  
Automated Teller Machine ◽  
And Performance

This study aims to identify the relationship between electronic banking and performance of small and medium scale enterprises in Anambra state; one of the states with the highest number of SMEs, entrepreneurial skills, informal enterprises and a suitable business environment in Nigeria. To achieve this, the researcher examined performance of SMEs and their association with components of electronic banking; automated teller machine, point of sale services, transaction alerts via short message services (SMS) and mobile banking, through a questionnaire. Three hundred and seventy (73.1% response rate) copies of questionnaire issued to five hundred and six sampled respondents of 50 SMEs in Anambra state were properly filled and found relevant to the study. The study used SPSS and Excel to identify the descriptive characteristics of the variables of the study and analyze the data. Regression analysis was used to test the hypotheses of the study. Study results concluded that there is positive relationship between; automated teller machine, point of sale services, transaction alerts via short message services (SMS), mobile banking and performance of SMEs in Anambra State, Nigeria. The result also showed that SMEs continuous usage of electronic banking services could be attributed to cost effectiveness, convenience, security, accessibility and diversity of the services. The study recommends among others that, security of electronic banking services should be upgraded by a conjunction between SMEs and banks and that government should provide adequate regulatory framework to protect customers and security of transaction. Furthermore, policy makers in Nigeria should take advantage of the positive revelation of this study to make policies that will increase number of SMEs in Anambra state and Nigeria at large especially from the large number of informal enterprises in Anambra state and Nigeria.

scholarly journals Electronic Banking and Financial Performance of Commercial Banks in Kenya

2019 ◽  
Vol 3 (II) ◽  
pp. 293-304
Author(s):  
Maria Mueni Mutisya ◽  
Gerald Atheru
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Internet Banking ◽  
Business Environment ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Return On Assets ◽  
Independent Variables ◽  
Net Profit ◽  
Automated Teller Machine

Information technology has changed the traditional ways of doing business to a digital and electronic way that has led to globalization. The banking industry has been forced by the wave of electronic payment system in the business environment to change from its traditional ways such as: long queues as customers waited to be served, delay in the clearing house as representatives of different banks waited to settle their dues and manual work that resulted to errors. The main purpose of the study was to determine the effect of electronic banking on the financial performance of commercial banks in Kenya. The specific objectives were to determine the extend of internet, mobile, automated teller machine and debit/credit card banking adoption and its effect on financial performance. The study covered a period of five years that is from the year 2011 to the year 2015 and adopted descriptive research design. The data collected was analyzed by the use of both descriptive and inferential statistics procedures. Primary and secondary data was collected from the 34 commercial banks that responded leading to a respond rate of 79.04% out of the 43 commercial banks. The trade analysis showed that internet banking was recognized and accepted by the Kenyan commercial banks and the Kenyans as a way of transacting. Electronic banking was found to be positive and significantly related to the financial performance of the commercial banks in Kenya. This was attributed by an R Square of 0.688 for Return On Assets, 0.63 for Net Profit and 0.277 for Return On Equity indicating that the independent variables in the study were able to give information of up to 68.8%, 63% and 27.7% respectively while the remaining 31.2%, 27% and 72.3% could not be explained in the study but could be explained using other variables outside the study. All the independent variables were (internet banking, Mobile banking, Automated Teller Machine banking and Debit/Credit banking) found to be positively and significantly related to the Return On Assets while only mobile banking and internet banking were found to be positively and significantly related to Net Profit since their p Values were less 0.05. Automated Teller Machine banking showed a positive relation that was insignificant with the Return On Equity.The study recommends that, electronic banking should be employed by commercial banks through proper management policies since it has shown improved efficiency and financial performance. For further studies, areas of crime technology, quality of banking services, electronic fund transfer and performing loans should be looked at. This is an open-access article published and distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License of United States unless otherwise stated. Access, citation and distribution of this article is allowed with full recognition of the authors and the source.

scholarly journals The Impact of Electronic Banking Services on Customer Satisfaction in the Sudanese Banking Sector

2018 ◽  
Vol 11 (6) ◽  
pp. 102 ◽  
Author(s):  
Adam Ahmed Musa Hamid ◽  
Nabil Mohamed Abdo Alabsy ◽  
Mohanad Abbas Mukhtar
Keyword(s):  
Customer Satisfaction ◽  
Banking Sector ◽  
Positive Impact ◽  
Research Paper ◽  
The Internet ◽  
Electronic Banking ◽  
Banking Services ◽  
Bank Management ◽  
Internet Users ◽  
The Impact

This research paper aims to study the impact of electronic banking services on customer satisfaction at Sudanese banks. Questionnaires were designed by the researchers. Data and information have been collected and analyzed from the internet users in the Sudanese banks clients. The study found that there are statistical significant differences of electronic services provided by the Sudanese banks on customer satisfaction. The study attempted to explain the various means of electronic banking services which might lead to the customer satisfaction.This paper showed that the banking services over the internet has a positive impact on customer satisfaction. This study recommended that the bank management should focus on spreading the knowledge of the electronic banking services to the customers. This study emphasized the importance of the electronic banking services and recommended that the bank management should spread the technological awareness among current and prospective customers, and develop suitable infrastructure for electronic banking services in the Sudanese banking sector.

scholarly journals ORGANIZING INTERNAL CONTROL OVER ELECTRONIC BANKING SYSTEMS

2021 ◽  
Vol 6 (3(31)) ◽  
pp. 29-34
Author(s):  
Ragheed Yousef
Keyword(s):  
Internal Control ◽  
Electronic Banking ◽  
Upward Trend ◽  
Banking Services ◽  
Banking Systems ◽  
Banking Market ◽  
Development Mechanism

The contribution of technology in the field of banking led to a qualitative shift in the nature of banking and in the mechanism of providing banking services. Electronic banking services have achieved many benefits for both the bank and the customer. In the context of the Russian banking market, the article shows that there is an upward trend in increasing the volume and number of electronic banking transactions executed. The article focuses on the nature of electronic banking services and the new risks that came with them, and highlights the importance of internal control in controlling these risks and reducing them as much as possible. It proposes a development mechanism for internal control, guided by several factors.

scholarly journals Importance of using ATM

2019 ◽  
Vol 8 (2S8) ◽  
pp. 453-454
Keyword(s):  
Work Environments ◽  
Electronic Banking ◽  
Point Of Sale ◽  
Automated Teller Machines ◽  
Automated Teller Machine ◽  
Enormous Number ◽  
Day By Day

Information advancement is a snappy creating fragment now day by day. Step by step new manifestations are happening in market. In fiscal part especially the monetary division there are such an enormous number of new advancements are happening in cash related operations.ATM is a noteworthy improvement for banking portion. The supernatural occurrences of present day advancement have made it functional for bank customers to interface with an electronic monetary office as Automated Teller Machine (ATM) instead of with an individual for cash trades. Electronic banking is one of the most modern organizations offered by for all intents and purposes all banks to their customers. Electronic banking incorporates among others, Automated Teller Machine (ATM), Point-Of-Sale (POS), and Telephone banking, and so on. The amazing cost of setting up and working full-organization branch work environments has driven starting late to a sharp augmentation in obliged organization workplaces, for instance, Automated Teller Machines (ATMs) [19],[21],[23]

scholarly journals  Electronic Banking: an Object of Fallacy or System of Functionality Samuel Affran Abstract — Corporate managers in the banking industry have employed series of strategies to lure many customers to patronage their categories they offer for sale. One of s

2020 ◽  
Vol 5 (4) ◽  
Author(s):  
Samuel Affran
Keyword(s):  
Customer Satisfaction ◽  
Banking Industry ◽  
Internet Banking ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Banking Services ◽  
Corporate Managers ◽  
Banking Service ◽  
Automated Teller Machine ◽  
The Relationship

Corporate managers in the banking industry have employed series of strategies to lure many customers to patronage their categories they offer for sale. One of such is E-banking. These technological services are introduced by banks with the objective of providing customers with rapid services, with cost efficient. The situation tends to be different in this part of the world. Most of these services partially exist and if it fully does, it comes with unprecedented system failures. Based upon this premises this study is conducted exploratory to find out what really constitutes electronic banking from the Ghanaian perspective and also to ascertain their linkage with customer satisfaction. A total number of 200 questionnaires were administered. Cross-sectional survey was employed using questionnaire as the principal tool for the data collection. A 5-point Likert- scale ranging from 1 (strongly disagree) to 5(strongly agree) was used to measure the constructs. With the aid of SPSS version 23 the data was analyzed to establish the empirical linkage of the underlying constructs. The study among other things brought to the fore three (3) determinants (Automated Teller Machine, Mobile Phone Banking, Internet or Online banking) that define e-banking from the Ghanaian perspective proving that it is a system of functionality that is established for specific strategic purpose better still because of inefficient execution it was also proven to be an object of fallacy in the sense that having it does not necessary leads to customer satisfaction. The data analysis also shows that statistically between automated teller machine and customer satisfaction there is positively very weak relationship (R^2= .181, p< 0.126). Meaning holding all other variables constant, automated teller machine will cause 18.1% change in customer satisfaction. It is proven by the results that, automated teller machine not only weak in explaining the relationship but the impact is also not significant as the significant level is 0.126 which is above the standard significant value of 0.05. Meaning the automated teller machine if it is not administered efficiently and effectively will have the tendency to impact on customer’s satisfaction insignificantly. This presupposes that the automated teller machines in question were not administered efficiently and effectively. Thus this study has proven empirically that it is not a forgone conclusion that having an ATM services will automatically leads to customer satisfaction making the assertion a fallacy in Ghana thus disproving the study by Sultan and Komal (2009) claiming that having an automated teller machine services will automatically lead to customer satisfaction. The study revealed that relationship between mobile banking services and customer satisfaction is positively very weak (R^2= .170, p< 0.171). This simply means that mobile services rendered by banks to their customers were seriously criticized as woefully inadequate. Thus, holding all other variables constant, mobile banking services causes 17.0 % change in customer satisfaction. This result proves that a unit change in mobile banking service will induce 17.0% change in the rate of customer satisfaction. In other words when the level of mobile banking services is improved by 1% it will lead to 17.0% increase in customer satisfaction which is quite negligible. The significance level of this outcome in reference to the study results was 0.171 which is greater than the standard value of 0.05 indicating that the variance between mobile banking services and customer satisfaction was not significant. Internet banking services were quite effective and efficient thus having positive significant impact on customer satisfaction (R^2= .211, p< 0.003). But the relationship is equally weak explaining only 21.1% of customer satisfaction within the Ghanaian banking industry. The statistical understanding is that unilaterally internet banking service has the empirical tendencies to increase customer satisfaction by 21.1% if these services are improved just a percentage change. The practical connotation is that managers need to make automated teller machine more secured and very convenient spreading it across the length and breadth of the country. It should be in good function (twenty-four hours a day), accessible at all times (weekdays and weekends) and user-friendly as well. Again, managers should be proactive in sending message to customers whenever their system is malfunctioning in order to win customer trust. They should be ready to accept their mistakes and improve on customer complaint. They should avoid the rationalization of system failure which tend to put customers off serving as a catalyst for customer drifting. Again, internet connectivity should be reliable to boost mobile banking services.  The banks should create more mobile apps for the various product categories.  To sum up more resources should be allocated to online products since it is proven to be the only determinant significant in explaining customer satisfaction.

scholarly journals Can Corporate Fairness towards Public Authorities Enhance Customer Loyalty? A Multi-Sectorial Investigation in a Developing Country

2019 ◽  
Vol 12 (1) ◽  
pp. 187 ◽  
Author(s):  
Ovidiu I. Moisescu ◽  
Oana A. Gică ◽  
Victor O. Müller ◽  
Camelia Ancuța Müller
Keyword(s):  
Developing Country ◽  
Customer Loyalty ◽  
Structural Equation ◽  
Positive Impact ◽  
Retail Banking ◽  
Equation Modeling ◽  
Public Authorities ◽  
Banking Services ◽  
Mediating Role ◽  
Company Identification

This paper investigates how customer loyalty can be enhanced by improving customers’ perceptions of corporate fairness towards public authorities, taking into account the mediating role of customer-company identification, in a multi-sectorial context, in a developing country in Central and Eastern Europe. The investigation is conducted comparatively within four main industries (telecom services, retail banking services, dairy products and personal care products) and depicts the particular impact these perceptions have on customer loyalty in each domain, with practical implications concerning corporate social responsibility (CSR) communications. A consumer survey was designed and implemented among a sample of 1464 customers from Romania. The collected data was analyzed by means of partial least squares structural equation modeling (PLS-SEM). We found that customers’ perception of corporate fairness towards public authorities has a significant and positive impact on customer loyalty in all investigated industries, both directly and indirectly via customer-company identification, with a higher impact for services, especially for retail banking services.

PENGARUH SOSIAL MEDIA TERHADAP BRAND AWARENESS AMARIS HOTEL

2020 ◽  
Vol 14 (02) ◽  
pp. 53-61
Author(s):  
Sofiani Sofiani
Keyword(s):  
Social Media ◽  
Positive Impact ◽  
Correlation Method ◽  
Marketing Strategies ◽  
Brand Awareness ◽  
Use Of Social Media ◽  
The Impact

Social media has became one of the marketing strategies by most of the companies to deliver their brands, products and services to customer. Apart from the advantages of the use of social media for companies, it is becoming difficult for companies to raise awareness for their brand beause of the competition. The aim of this research is to determine the impact of social media on brand awareness of Amaris Hotel. The results of this research obtained from questionnaires that had been distributed to the respondents in Jakarta and processed with correlation method. The results shows that social media gives quite big and positive impact on building and estabilishing brand awareness of AYANA Amaris Hotel for 41,5%, and Instagram gives the biggest impact on brand awareness of Amaris Hotel. The level of brand awareness of Amaris Hotel has reached the highest level, Top of Mind level. Keywords: Social Media, Brand Awareness, Marketing, Amaris Hotel

Banking market structure and efficiency: an assessment of the USA and Canada

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Salah U-Din ◽  
David Tripe
Keyword(s):  
Market Structure ◽  
Market Power ◽  
Negative Impact ◽  
Positive Impact ◽  
Bank Efficiency ◽  
Content Type ◽  
Frontier Analysis ◽  
Banking Market ◽  
Cost Efficient ◽  
The Impact

PurposeThe study aims to analyze the changes in banking market structure and their impact on the bank efficiency.Design/methodology/approachThis study uses a one-stage stochastic frontier analysis (SFA) to compare the impact of the market structure and the GFC on the economic efficiency of the major banks in both countries.FindingsA significant negative impact of the GFC is observed on bank efficiency. Overall, Canadian banks posted better efficiency scores than their American counterparts. Additionally, cost-efficient banks are found to be more resilient to crises and more profit-efficient in the post-GFC period. The authors found that market power had a positive impact on the cost and profit efficiency of banks. Higher levels of equity, market power and concentration helped banks be more cost-efficient.Research limitations/implicationsOnly large banks are selected for study although it represents the majority stake of both banking sectors.Practical implicationsBanking regulators should include more measures to assess the banking market structure and performance.Originality/valueAs per the best knowledge of the authors, it is the first study to assess the change in banking market structure and efficiency of the US and Canadian banking sectors in the post-GFC period.

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