scholarly journals ANALYSIS OF BANK PERFORMANCE WITH INFORMATION TECHNOLOGY PERSPECTIVE

2021 ◽  
Vol 5 (1) ◽  
pp. 64-72
Author(s):  
Yustinus Wahyu Agung Prasetyo ◽  
◽  
Mohammad Achmad Amin Soetomo ◽  
Mulya R. Mashudi ◽  
◽  
...  
Keyword(s):  
Information Technology ◽  
Credit Card ◽  
Cyber Attacks ◽  
System Failure ◽  
It Security ◽  
Mobile Banking ◽  
Banking Services ◽  
Customer Complaints ◽  
Security Services ◽  
It Risk

XYZ Bank provides several digital banking services for various segments, including the D-Bank mobile banking application, XYZ Online Banking, D-Card Mobile for credit card management, D-Financial for SMEs, D-BisMart. for the supply chain, as well as XYZ Trade Connect and Cash Connect for various customer businesses. It is known that 1) IT risk on the D-Bank application is still high. This can be seen from the number of risk events for IT system failure in its application. 2) The handling of IT problems is still not optimal, this can be seen from customer complaints that often reappear in the D-Bank application, such as failed logins, failed transactions and slow performance. 3) Lack of handling of IT Security services. This can be seen from the number of cyber-attacks that have successfully entered the D-Bank application. The final result shows that there are several domains and principles that need to be considered by management in order to improve the performance of information technology.

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 MEASURING CUSTOMERS’ ATTITUDE TOWARDS INNOVATIVE BANKING SERVICES OF PUBLIC AND PRIVATE SECTOR IN TIRUNELVELI DISTRICT

2016 ◽  
Vol 4 (5SE) ◽  
pp. 58-66
Author(s):  
Bulomine Regi ◽  
Eugine Franco
Keyword(s):  
Private Sector ◽  
Credit Card ◽  
Internet Banking ◽  
Mobile Banking ◽  
Public And Private ◽  
Banking Services ◽  
Debit Card ◽  
Extension Model ◽  
Self Service ◽  
Public And Private Sector

The beginning of empowerment of banking customers for their own transactions started with the evolution of ATMs as a delivery channel. The emergence of innovative banking services such as Self Service Banking Technologies (SSBT) i.e ATMs/ Debit Card, Credit Card, Internet Banking (IB), Mobile Banking (MB) with the concept of “Anytime and Anywhere Banking” has intensified the need of innovative banking services. With the advent of internet, the application of innovative banking services has been proven as an effective way to reduce the costs of operation for the financial institutions. Innovative banking services do allow banks to reduce expenditures on physical structures. It is believed that the e-banking will help the banks to cut costs, increase revenue and become more convenient for customers to do banking transactions. The methodology used in the study four banks were selected for the study and 90 customers were selected from each bank purposively those who are using innovative banking services namely ATM/Debit Card, Credit Card, Internet Banking and Mobile Banking. Four banks were selected based on Technological Award 2013-14. The select banks are State Bank of India, Canara Bank of public sector and ICICI and AXIS of private sector banks. The interview schedule was categorised into six parts using TAM extension model framed by the researcher. So it is important to anlayse the customers’ attitude towards innovative banking services of public and private sector banks.

scholarly journals Information Technology (IT) Users in Tertiary Education Institutions in Bulawayo, Zimbabwe: Case of Security Awareness

2021 ◽  
Vol 41 (1) ◽  
Author(s):  
Bongani Ngwenya ◽  
Theuns Pelser
Keyword(s):  
Information Technology ◽  
Tertiary Education ◽  
Methodological Approach ◽  
Cyber Attacks ◽  
It Security ◽  
Security Awareness ◽  
Security Risks ◽  
It Systems ◽  
The World ◽  
Internet Platform

Information Technology (IT) expansion exposes organisations in developing countries to IT security risks. Zimbabwe’s tertiary education institutions (TEIs) are not spared. Every year, cyber-attacks increase and become more sophisticated, resulting in losses of personal and financial data for individuals, organisations and governments. As the world is interconnected, small and big organisations share the same internet platform. Therefore, IT security risks that affect one, affect all. When IT users are unaware of the risks and uninformed of ways to protect their IT systems, they remain vulnerable. Like other organisations in Zimbabwe, TEIs are vulnerable to cyber-attacks. The study that directed this article employed a quantitative methodological approach in the collection of the data and its analysis. A sample of 261 respondents was selected from the population of IT users in TEIs in Bulawayo. The results indicated that IT security awareness of IT users in TEIs in Bulawayo is low. This is evidenced by the low IT drivers’ contribution towards building IT users’ security awareness, and inadequate implementation and utilisation of IT security awareness tools. The prevailing phenomenon exposes TEIs in Bulawayo to a high risk of cyber-attacks. The results indicated a positive and significant correlation between IT security drivers’ contribution and IT security awareness tools utilisation in TEIs in Bulawayo. The implication is that an increase in IT security drivers’ contribution and IT security awareness tools utilisation will lead to increased IT security awareness. The study recommends that IT drivers double their contribution towards building IT security awareness through adequate implementation and utilisation of IT security awareness tools. This will safeguard the information that tertiary education institutions generate.

Impact of Information Technology on the Banking Sector in Developing Countries

2021 ◽  
Vol 7 (09) ◽  
pp. 201-204
Author(s):  
Malik Mustafa
Keyword(s):  
Information Technology ◽  
Developing Countries ◽  
Mobile Device ◽  
New World ◽  
Banking Sector ◽  
Mobile Banking ◽  
Bank Account ◽  
Banking Services ◽  
Use Of Internet

The new world requires development in terms of technology and the use of it, in addition, people are leaning over the use of internet nowadays. In that terms, I propose a system of mobile banking for the Bank of Muscat. The system is mobile device activated and could be used to remotely access one's bank account and perform given operations and transactions; payments, transfers, enquiries of the account and other services to be demonstrated later on. The service I am proposing has to be updated and promoted accordingly as some users are not in good terms with using m-banking services just yet.

EVALUATION OF MOBILE BANKING SERVICES USAGE IN MINNA, NIGER STATE

2019 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
BABA MESHACH ◽  
MOSES DOGONYARO NOEL ◽  
LEGBO YISA VICTOR ◽  
MAJEEDAH OMOBOLANLE OLATUNDE ◽  
◽  
...  
Keyword(s):  
Mobile Banking ◽  
Banking Services

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

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