Inspiring mobility for banking enterprises

2013 ◽  
Vol 1 (2) ◽  
pp. 18-20
Author(s):  
Sandeep Bagaria
Keyword(s):  
Mobile Phone ◽  
User Experience ◽  
Leading Edge ◽  
Internet Banking ◽  
Asia Pacific ◽  
Mobile Banking ◽  
The World ◽  
Banking Strategy

Mobile banking is taking the world by storm, accounting for over 590 million users worldwide, which is expected to double to exceed 1 billion by 2017.  Today consumers will not bank with a Bank that does not have internet banking. Tomorrow consumers will not bank with a Bank that does not have mobile banking.In order for banks to create a successful mobile banking strategy, banks need to do more than just provide their internet banking on the mobile phone. They have to focus on innovation and user experience to deliver leading edge mobile banking applications.This article describes how banks in Asia Pacific have leveraged innovation and user-experience to differentiate themselves from their competitors.

An Investigation into Permissions Requested by Mobile Banking on Android Platform

2021 ◽  
pp. 745-766
Author(s):  
Latifa Er-Rajy ◽  
M. Ahmed El Kiram
Keyword(s):  
Mobile Phone ◽  
Mobile Technology ◽  
High Speed ◽  
Mobile Apps ◽  
World Population ◽  
Mobile Banking ◽  
Man In The Middle ◽  
The World ◽  
User Data ◽  
Mobile Banking Applications

In the past, banking took place only inside bank rooms, which was a task for customers and bankers at the same time. But in our day, thanks to the high-speed development and growth of mobile technology, the mobile phone platform had the power to create great opportunities for customers of the physical bank due to its capabilities and coverage of the population; this can be proved by the number of mobile subscriptions that approximates the world population figures. In order to explore these opportunities, most banks have already launched their mobile apps or have redesigned the mobile version of their websites. Among the advantages of using mobile banking is that users have the ability to make banking transactions, online payments or transfers, anywhere and at any time. In this article, we investigated the danger of the permissions requested by mobile banking applications, their effects on sensitive user data and their relationship with the attack called “Man in the middle” and its different forms. We took Morocco as a case of study.

scholarly journals User Experience with Security Elements in Internet and Mobile Banking

Organizacija ◽  
2016 ◽  
Vol 49 (4) ◽  
pp. 251-260 ◽  
Author(s):  
Aleksandra Svilar ◽  
Jože Zupančič
Keyword(s):  
Statistical Methods ◽  
User Experience ◽  
Online Survey ◽  
Internet Banking ◽  
Current Situation ◽  
Online Banking ◽  
The Internet ◽  
Mobile Banking ◽  
Banking Services

Abstract Background/Purpose: Maintaining a balance between security and a positive user experience in mobile and Internet banking is becoming increasingly difficult for the providers of banking services. The goal of our research is to analyse user opinions about the current situation: how users perceive security and how the authentication methods they are using affect user experience. Methodology: Data were collected using an online survey among the users of 15 banks operating in Slovenia, and statistical methods were applied to analyse them. Results of the users’ study were evaluated and commented by a limited number of interviewed banking security experts. Results: The results indicate that the use of mobile banking in Slovenia is relatively low, as only 30 percent of respondents use mobile banking along with Internet banking. Slovenian users perceive security to be the most important factor in mobile and online banking, closely followed by reliability. We also verified whether the users knew which authentication methods they were using: 69% of respondents selected the correct authentication method. The opinion of 88% of respondents was that authentication methods do not limit them when using mobile and Internet banking. Results of the study of user’s opinions did not surprise the experts, although experts’ views about the balance between security and usability diverged considerably. Conclusion: Our results indicate that, in Slovenia, users of the Internet and mobile banking services regard security to be the most important element in mobile or Internet banking and find user experience less important while they absolutely do want products that are easy to use.

scholarly journals E-Banking Strategy and Performance of Commercial Banks in Kenya

2019 ◽  
Vol 3 (V) ◽  
pp. 147-165
Author(s):  
Rosemary Wangari Nduta ◽  
Jane Wanjira
Keyword(s):  
Technology Acceptance ◽  
Commercial Banks ◽  
Diffusion Of Innovations ◽  
Target Population ◽  
Internet Banking ◽  
Technological Innovations ◽  
Mobile Banking ◽  
Banking Strategy ◽  
And Performance ◽  
The Impact

Technological innovations in the aspect of electronic banking (e-banking) have progressively advanced and changed the manner in which banks offer services. The use of varied forms of technological innovations has become a key strategy that influences the competitiveness and performance of commercial banks. Subsequently, banks are investing more in adopting and implementing innovative e-banking strategies. Although numerous studies have inspected the effect of e-banking on banks across the world, the knowledge gap is that few studies have examined the impact of e-banking strategies on commercial banks’ performance in Kenya. The objectives of this study were to predict the impact of agency banking, mobile banking, the use of ATMs, and internet banking on the commercial banks’ financial performance in Kenya. Agency theory, contingency theory, diffusion of innovations theory, and technology acceptance theory formed the theoretical basis of this study. In its research design, the study used the descriptive approach. The target population comprised managers of 40 commercial banks and the study utilized the purposive sampling method to select 100 respondents comprising of 40 senior managers and 60 operations managers. Descriptive statistics, correlation, and regression analysis were used to analyze data. Correlation analysis indicated that mobile banking (r = 806, p = 0.000), agency banking (r = 0.737, p = 0.000), internet banking (r = 0.466, p = 0.000), and ATM banking (r = 0.547, p = 0.000) have statistically significant relationships with the commercial banks’ performance. Findings indicate that e-banking accounts for 71% (R2 = 0.710) of the variation in the commercial banks’ performance. Moreover, the study found out that e-banking strategies of agency banking and mobile banking are statistically significant predictors (p<0.01, while internet banking and ATM banking are statistically insignificant predictors (p>0.01). Based on these findings, the study concludes that rely on e-banking strategies in enhancing their performance, particularly mobile banking and agency banking. Furthermore, the study concludes that ATM banking and internet banking contribute minimally to the commercial banks’ performance in Kenya. Thus, the study recommends banks to optimize mobile banking and agency banking because they are statistically significant predictors while increasing awareness of internet banking and addressing insecurity issues of ATM banking. Thus, further research should consider establishing factors that account for the unexplained variances of 29% in the performance of commercial banks.

scholarly journals PENGARUH FAKTOR DEMOGRAFIS PADA ADOPSI LAYANAN BERBASIS TEKNOLOGI PADA PERBANKAN SYARIAH

2018 ◽  
Vol 7 (2) ◽  
pp. 90
Author(s):  
Nuri Wulandari
Keyword(s):  
Mobile Phone ◽  
Internet Banking ◽  
Demographic Characteristics ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Adoption Of Technology ◽  
Technology Adaptation ◽  
Internet Users ◽  
Bank Technology ◽  
Demographic Effects

Mobile phone and internet users in Indonesia continues to grow rapidly. It utilized by the bank to provide technology-based services, so that customers can trade without restriction of place and time. However, like other technologies, customers require adjustment for the adoption of such technology-based services. One of the factors that affect the adoption of technology-based service is the customer demographics.This study investigates the demographic effects of the adoption of mobile banking and internet banking. Data collected in the form of a survey of 44 respondents in Jakarta conducted in March 2015. The uniqueness of the study lies in the analysis that weighed between users on a technology-based service Islamic bank with conventional banks.The results showed demographic characteristics banking customers that use technology-based service in Islamic banks so that it can be followed up to the target or marketing communications.Keywords: Mobile Banking, Internet Banking, Sharia Bank, Technology Adaptation, Marketing, Demographic.

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

MILITARY COMPONENT OF THE POLICY OF THE RUSSIAN FEDERATION IN THE "STRATEGIC TRIANGLE" RUSSIA – CHINA – USA: REGIONAL ASPECTS

2020 ◽  
Vol 3 (8) ◽  
pp. 80-95
Author(s):  
D. V. GORDIENKO ◽  
Keyword(s):  
Middle East ◽  
Russian Federation ◽  
Comparative Assessment ◽  
Asia Pacific ◽  
The Arctic ◽  
The World ◽  
Soviet Space ◽  
The Russian Federation ◽  
The Military ◽  
Post Soviet Space

The military component of the Russian Federation's policy in the "strategic triangle" Russia-China-USA occupies an important place in the implementation of Russian aspirations in various regions of the world. The purpose of this article is to assess the impact of the military component of the Russian Federation's policy in the Russia-China- US strategic triangle on the implementation of current Russian policy in the post-Soviet space, in the Asia-Pacific and Euro-Atlantic regions, in the Arctic, the Middle East and other regions of the world. The paper examines the influence of the military component of the Russian Federation's policy in the Russia- China-USA “strategic triangle”, proposes an approach to a comparative assessment of this influence, which allows identifying the priorities of Russian policy in the post-Soviet space, in the Asia-Pacific and Euro-Atlantic regions, in the Arctic, on The Middle East and other regions of the world. A comparative assessment of the influence of the military component of the Russian Federation's policy in the Russia-China-USA “strategic triangle” can be used to substantiate recommendations to the military-political leadership of our country. The article concludes that the military component of Russian policy occupies a dominant position in the implementation of the current policy of the Russian Federation in the post-Soviet space, in the Asia- Pacific and Euro-Atlantic regions, in the Arctic, the Middle East and in other regions of the world.

Influence of consumption affect displayed by mobile phone on user experience

2010 ◽  
Vol null (29) ◽  
pp. 213-222
Author(s):  
Lee, Seung Min ◽  
양보영
Keyword(s):  
Mobile Phone ◽  
User Experience

Ringtone

2017 ◽  
Author(s):  
Yves Doz ◽  
Keeley Wilson
Keyword(s):  
Mobile Phone ◽  
Mobile Communications ◽  
Research Agenda ◽  
Black Box ◽  
Senior Managers ◽  
The World ◽  
Things Fall Apart ◽  
The Doors

In less than three decades, Nokia emerged from Finland to lead the mobile phone revolution. It grew to have one of the most recognizable and valuable brands in the world and then fell into decline, leading to the sale of its mobile phone business to Microsoft. This book explores and analyzes that journey and distills observations and lessons for anyone keen to understand what drove Nokia’s amazing success and sudden downfall. It is tempting to lay the blame for Nokia’s demise at the doors of Apple, Google, and Samsung, but this would be to ignore one very important fact: Nokia had begun to collapse from within well before any of these companies entered the mobile communications market, and this makes Nokia’s story all the more interesting. Observing from the position of privileged outsiders (with access to Nokia’s senior managers over the last twenty years and a more recent, concerted research agenda), this book describes and analyzes the various stages in Nokia’s journey. This is an inside story: one of leaders making strategic and organizational decisions, of their behavior and interactions, and of how they succeeded and failed to inspire and engage their employees. Perhaps most intriguingly, it is a story that opens the proverbial “black box” of why and how things actually happen at the top of organizations. Why did things fall apart? To what extent were avoidable mistakes made? Did the world around Nokia change too fast for it to adapt? Did Nokia’s success contain the seeds of its failure?

Time-space evolution of the goods export network of the Belt and Road countries: The view of weighted complex network

2021 ◽  
pp. 1-10
Author(s):  
Min Liu ◽  
Weixian Xue ◽  
Lisong He ◽  
Xue Yan
Keyword(s):  
South Korea ◽  
Complex Network ◽  
Leading Edge ◽  
Structural Features ◽  
Asia Pacific ◽  
Trade Volume ◽  
Time Space ◽  
Belt And Road ◽  
Weighted Complex Network ◽  
The Belt And Road

The weighted complex network is utilized to analyze the evolution of the overall structural features of the goods export network and the role transitions of each country in the network. The research suggests: 1. The network of exports of the Belt and Road countries has transformed from multi-core pattern into one extreme along with multi-core pattern; 2. China, South Korea, Russia, Singapore and Italy are the highest-ranking countries in the network. Among these countries, the influence of China is on the rise, South Korea South Korea’s influence remains basically unchanged., however, Russia, Singapore and Italy are on the decline; 3. The leading edge of Asia-Pacific block in the network has been enhanced year by year. Not only has the trade volume within the block increased to 50% of the whole network, but the trade export to other three blocks has significant increasement. The total volume of trade in European block increased greatly and its block mode has transformed from external to universal. The trade volume of the former Soviet Union block along with the West Asia-Africa block increased significantly as well, but there is still a large gap compared with the European block and Asia-Pacific block.

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