Phân tích các nhân tố tác động đến sự hài lòng của khách hàng sử dụng Internet Banking

2019 ◽  
Author(s):  
Nguyen Minh Sang
Keyword(s):  
Internet Banking

Phân tích các nhân tố tác động đến sự hài lòng của khách hàng sử dụng Internet Banking

Measuring the Rural Customers’ Attitude: Knowledge and Influencing Factors of Internet Banking Usages

GIS Business ◽  
2020 ◽  
Vol 15 (2) ◽  
pp. 31-45
Author(s):  
M. Ganesan ◽  
Dr. K. Prabhakar Rajkumar
Keyword(s):  
Influencing Factors ◽  
Geographical Location ◽  
Internet Banking ◽  
General Information ◽  
Banking Services ◽  
Internet Portal ◽  
Banking Service ◽  
Use Of Internet

Internet banking refers the systems that enable the customers to access their accounts and general information on bank products and service through the use of a bank’s website, without the intervention or inconvenience of sending letter, faxes original signatures. Internet banking as an “internet portal, through which customers can use different kinds of banking service ranging from bill payment to making investment”. Thus internet banking is the use of internet by bank customers for transacting their banking transactions. In other words, it is the use of internet by banks to deliver banking transaction. In other words, it is the use of internet by banks to deliver banking services to customers irrespective of their geographical location.

Internet Navigation Skills for Financial Management: Associations with Age, Neurocognitive Performance, and Functional Capacity

2020 ◽  
Author(s):  
Samina Rahman ◽  
Victoria Kordovski ◽  
Savanna Tierney ◽  
Steven Paul Woods
Keyword(s):  
Older Adults ◽  
Functional Capacity ◽  
Financial Management ◽  
Internet Banking ◽  
Online Banking ◽  
Neurocognitive Performance ◽  
Younger Adults ◽  
Neurocognitive Functions ◽  
Age Related ◽  
Use Factors

Objective: Online banking is becoming increasingly common among older adults, whomay experience difficulties effectively navigating this instrumental technology. Thisstudy examined age effects on a performance-based Internet banking task and itsassociation with neurocognitive ability and functional capacity in older and youngeradults. Method: Thirty-five older adults and 50 younger adults completed anexperimenter-controlled online banking measure in which they independentlyperformed a series of naturalistic financial tasks (e.g., account transfers, bill paying).Participants also completed a standardized battery of neuropsychological tests andmeasures of functional capacity. Results: Older adults were markedly slower and lessaccurate in completing the Internet-based banking task, which was not confounded byother demographic, mood, or computer use factors. Higher scores on measures ofneurocognition and financial functional capacity were both strongly associated withhigher Internet-based banking task accuracy scores and quicker completion times inthe older, but not the younger adults. Conclusions: Findings suggest that older adultsexperience difficultly quickly and accurately navigating online banking platforms, whichmay be partly related to age-related declines in neurocognitive functions and basicfinancial capacity. Future studies might examine whether neurocognitive approaches toremediation and compensation can be used to improve online banking capacity inolder adults.

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.

ANALISIS PENERAPAN MODEL UTAUT TERHADAP MINAT PERILAKU PEMANFAATAN DAN PENGGUNAAN INTERNET BANKING

ProBank ◽  
2020 ◽  
Vol 4 (2) ◽  
pp. 230-232
Author(s):  
Khadijah Khadijah ◽  
Ika Swasti Putri
Keyword(s):  
Internet Banking ◽  
Unified Theory ◽  
Purposive Sampling ◽  
Use Of Technology

Seiring pesatnya perkembangan jaman, kebutuhan akan informasi terus meningkat. Peningkatan penggunaan teknologi  komputer  sebagai pengembangan teknologi  informasi  telah  banyak  mengubah pemrosesan data akuntansi menjadi otomatis. Individu dimudahkan dengan adanya Internet Banking sehingga tidak perlu melakukan transaksi keuangan melalui kantor cabang, ATM, atau manual. Adanya sistem informasi, maka dilakukan penelitian untuk mengetahui minat perilaku pemanfaatan dan penggunaan Internet Banking menggunakan penerapan model UTAUT (Unified Theory Of Acceptance And Use Of Technology). Penelitian ini merupakan replikasi dan pengembangan model UTAUT yang dikembangkan oleh Venkatesh, dkk tahun 2003. Penelitian menggunakan metode kuesioner yang dilakukan di 5 Perguruan Tinggi dikhususkan pada Magister Akuntansi dan Manajemen, dosen dan pengusaha yang terdaftar di UMKM Semarang. Data yang digunakan merupakan data primer dan pengumpulan data menggunakan metode survey dan purposive sampling. Sebanyak 171 orang yang melakukan transaksi keuangan melalui fasilitas Internet Banking. Hasil penelitian menunjukkan konstruk ekspektasi kinerja, ekspektasi usaha, pengaruh sosial memiliki pengaruh positif dan Kondisi yang memfasilitasi tidak berpengaruh terhadap penggunaan Internet Banking. Sedangkan konstruk minat perilaku berpengaruh terhadap penggunaan Internet Banking. Konstruk gender memoderasi terhadap minat  perilaku pemanfaatan Internet Banking. Umur  memoderasi ekspektasi kinerja  dan  pengaruh sosial, konstruk  pengalaman  memoderasi  dan  gagal  memoderasi  ekspektasi  usaha,  kondisi  yang  terhadap  minat perilaku dan penggunaan Internet Banking.

Adoption of Internet Banking in Bosnia and Herzegovina

2019 ◽  
Author(s):  
Admel Husejinovic ◽  
Mirela Husejinovic
Keyword(s):  
Bosnia And Herzegovina ◽  
Internet Banking
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