scholarly journals Study on Internet Banking Services of Commercial Banks in Nepal

2021 ◽  
Vol 3 (1) ◽  
pp. 111-120
Author(s):  
Sameer Gautam ◽  
Sujan Devkota
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Banking System ◽  
Internet Banking ◽  
Primary Data ◽  
Banking Services ◽  
Service Oriented ◽  
The Comparative Study ◽  
Internet Banking Services

Most of the banks and financial institutions of Nepal have been moving towards the e-Banking system as all of them want to increase customer satisfaction and relationship (especially in terms of time), scope, and transaction facilities. The scope of this study is to analyze different Internet banking services and their parameters provided by commercial of Nepal. The study used a questionnaire by using Google Form, which was provided to the respondents in their email addresses for primary data collection.  A sample of four respondent’s banks, from 27 banks(Nepal Rasta Bank 2021) and different 18 attributes were taken to analyze their performance. The comparative study is done by analyzing different Internet banking services and their parameters provided by commercial banks such as Transaction-Intra and Interbank, Merchant tie-up, Wallet Support, Utility payment, Transaction cost, Transaction Limit, and IPS connectivity by using bar charts analysis. The study shows that there are no single parameters that can be used to compare the services. Thus, the model of study proposed here is helpful for the comparison of services of financial institutions.  Further, the model can be implemented to compare any kind of services in any service-oriented organizations.

Quantifying Factors Influencing the Adoption of Internet Banking Services in Greece

2011 ◽  
pp. 24-37
Author(s):  
M. Makris ◽  
V. Koumaras ◽  
H. Koumaras ◽  
A. Konstantopoulou ◽  
S. Konidis ◽  
...  
Keyword(s):  
Banking System ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Banking Services ◽  
Business Partners ◽  
Electronic Transactions ◽  
Internet Banking System ◽  
Internet Banking Services

A growing phenomenon in the Internet is the rising exploitation of sophisticated security means (e.g. cryptography, digital signatures etc.) toward the development of novel commerce services for providing electronic transactions, collaborating with business partners or serving customers, regardless of geographical and time limitations. This paper discusses, presents and elaborates on the various factors that affect the adaption of Internet banking services in Greece. In particular, it deals with the factors that have been developed within the framework of providing e-banking services over an insecure shared medium like the Internet and affect the Internet Banking customer acceptance. A factor analysis is performed based on the gathered results provided by customer-questionnaires of ALPHA Bank branch in Greece in order to quantify the various parameters that affect the use of an Internet Banking System. The findings of the analysis show that despite the fact that Internet Banking in Greece is steadily increasing its penetration, factors like security, ease of use and perceived usefulness of a system play a major role on the final decision of the customer to adopt an Internet Banking System.

From Reluctance to Resistance

2013 ◽  
Vol 4 (4) ◽  
pp. 41-56
Author(s):  
Edwin Agwu
Keyword(s):  
Supply And Demand ◽  
Banking System ◽  
Developed Countries ◽  
Internet Banking ◽  
Study Data ◽  
Academic Community ◽  
The Internet ◽  
Banking Services ◽  
The Uk ◽  
Internet Banking Services

The internet banking services is an innovative financial transaction channel that has assumed a new urgency and relevance in today's world of business. The developed countries have embraced these services with little difficulty while the developing countries are beginning to see the benefits. The objective of this research hinged on the exploration of the supply and demand of internet banking services in the United Kingdom with special emphasis on three cities: London, Birmingham and Manchester. The study primarily probed into the extent to which the internet banking services has been adopted in the three major cities of the UK – London, Birmingham and Manchester. Secondly, it looked at the factors that are driving this adoption and thirdly, the reasons for non-usage by some segments of the selected regions. The consumer resistance theory by Ram and Sheth (1989) was therefore used as a framework of the study. As the focus is to ascertain the reasons for non-usage, and based on this framework, the following divisions were arrived at based on the non-users: 1) those that intends to use the services and 2) those that have no intention to use the services. The study data shows that there are significant differences based on the reluctant/resistance paradigm. The reluctant group falls into those that want to use but have not wholly made up their minds to do so while the resistance groups are those that have no intention of using the internet banking system at all. The study in a nutshell, provides financial managers and the academic community with a tool to engage these non-users through product designs and promotions.

Effects of Perceived Risks on Adoption of Internet Banking Services

2008 ◽  
pp. 1532-1549
Author(s):  
Wen-Jang Jih ◽  
Shu-Yeng Wong ◽  
Tsung-Bin Chang
Keyword(s):  
Perceived Risk ◽  
Information Technologies ◽  
Internet Banking ◽  
Primary Data ◽  
Banking Services ◽  
Perceived Risks ◽  
Significant Relationships ◽  
Secure Information ◽  
Willingness To Adopt ◽  
Internet Banking Services

Banking services primarily involve the creation, processing, storage, and distribution of financial information. Most of these services can be conveniently handled via Internet-based information technologies. This convenience, however, may be offset to a certain degree by customers’ perception of the risks associated with transacting in the wide-open cyber-world. A key challenge for online bankers is to maintain a secure information infrastructure that effectively manages the perceived risk factors. This research examines usages of Internet banking services, investigates the nature and sources of customers’ perceived risks, and tests hypotheses with regard to impacts of perceived risks on Internet banking adoption. Using primary data collected in Taiwan, the study finds significant relationships among involvement, familiarity, perceived risks, perception of measures for reducing perceived risks, and customer willingness to adopt Internet banking services. The findings have significant implications for the practice and research in Internet banking.

Consumer Factors Affecting Adoption of Internet Banking Services

2011 ◽  
pp. 113-134
Author(s):  
Wen-Jang Jih ◽  
Shu-Yeng Wong ◽  
Tsung-Bin Chang
Keyword(s):  
Perceived Risk ◽  
Information Technologies ◽  
Internet Banking ◽  
Point Of View ◽  
Primary Data ◽  
Information Process ◽  
Banking Services ◽  
Perceived Risks ◽  
Secure Information ◽  
Internet Banking Services

Banking is often regarded as an information-intensive industry. From the information process point of view, banking services primarily involve creation, processing, storage, and distribution of financial information. Although most of these services can be conveniently handled via Internet-based information technologies, adoption of Internet banking has been less than optimal. Existing research has revealed that this convenience may be offset, to varying degrees, by customer-perceived risk associated with transacting in the wide-open cyberworld. A key challenge for online bankers is to maintain a secure information infrastructure that effectively manages the perceived risk factors. This research examines usages of Internet banking services, investigates the nature and sources of customers’ perceived risks, and tests hypotheses with regard to impacts of perceived risks on Internet banking adoption. Using primary data collected in Taiwan, the study finds significant relationships among involvement, familiarity, perceived risks, perception of measures for reducing perceived risks, and customer willingness to adopt Internet banking services. The findings have significant implications for practice and research in Internet banking.

scholarly journals Factors that Influence the Adoptions of Internet Banking Among Customers

2018 ◽  
Vol 3 (1) ◽  
pp. 35-41
Author(s):  
Muhammad Azimulhakim Bin Haji Saman
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Banking System ◽  
Internet Banking ◽  
Business Systems ◽  
Banking Services ◽  
The World ◽  
Main Factors ◽  
Acceptance Model ◽  
Internet Banking Services

Internet banking is the latest technology that has revolutionized the changes of banking and business systems around the world. However, arrival of technology has an impact on Internet banking and transforms from a traditional banking system to a very useful innovation technology. The purpose of this study is to analyze factors that have influenced users to use Internet banking in doing financial transaction. This study uses content analysis on the previous literatures. The findings showed that there were 10 main different factors which influence the adoption of internet banking by the users. This study also proved that the highest factors which consist of 2 main factors are generated from technology acceptance model (TAM). Contribution of this research are significantly helps bank to have a better understanding on factors that influence the adoption of internet banking as well as help to develop a strategy to improved internet banking services.

The Effect of Product and Service Innovations on the Financial Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (1) ◽  
pp. 56-68
Author(s):  
Gladys Chepngetich Tonui; Patrick Kibati; John Kipkorir Tanui
Keyword(s):  
Financial Performance ◽  
Financial Institutions ◽  
Commercial Banks ◽  
Banking Sector ◽  
New Technology ◽  
New Products ◽  
Secondary Data ◽  
Internet Banking ◽  
Primary Data ◽  
Product Service

The objective of this study was to establish the effect of product /service innovations on the financial performance of commercial banks in Kenya. The 40 commercial banks was the population of this study which were in operation in Kenya as at December, 2017. Both primary and secondary data were used in the study. Explanatory research design was used. Questionnaires were used to gather primary data. Secondary data was collected from Central Bank annual report to validate communicative and validity of primary data. Quantitative analysis in the research was facilitated by Statistical Package for Social Sciences (SPSS), the completed questionnaires was examined and the information for each item was further processed and analysed. The results obtained was further presented in charts and tables. Regression and correlation analysis were used to study the relationship between the dependent and the independent variables of the study. These were employed to analyze the data and find out whether financial performance of commercial banks was influenced by banks innovations. The results showed that most commercial banks have concentrated on their profits by creating new products and services which have minimized their operational costs. This study used Cronbach Alpha test of internal consistency to analyze the accuracy of the research tool based on pilot data.  The study recommended that banks should consider incorporating the new technology as it will increase the firms’ performance and to ensure their new products and services, are readily available in the market. The study recommended that the banking sector ought to continue investing on more innovative delivery channels since this improves banks capability to regulate expenditure. These will in turn, facilitates reduction in cost in every unit of service thus improved return on assets to financial institutions effective monitoring of accounting and auditing. Financial institutions should ensure that the banking innovations are well secured for customers to have confidence in using mobile banking and internet banking.

Customer Acceptance of Internet Banking Services in Greece

2008 ◽  
pp. 53-69
Author(s):  
Miltiadis Makris ◽  
Harilaos Koumaras ◽  
Anastasia Konstantopoulou ◽  
Sotiris Konidis ◽  
Spyros Kostakis
Keyword(s):  
Banking System ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Final Decision ◽  
Banking Services ◽  
Customer Acceptance ◽  
Internet Banking System ◽  
Internet Banking Services

This chapter deals with the factors that affect the Internet Banking customer acceptance. More specifically, it is examined the case of ALPHA Bank branch in Greece, which is a pioneer in introducing and applying e-banking services in Greece. In this framework, the chapter performs a factor analysis based on the gathered results provided by customer-questionnaires in order to quantify the various parameters that affect the use of an Internet Banking System. The findings of the analysis show that although IBS in Greece is steadily increasing its penetration, factors like security, ease of use and perceived usefulness of a system continue to play a major role on the final decision of the customer to adopt an Internet Banking System.

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 Pandangan Pengguna Internet terhadap Minat dalam Adopsi Internet Banking pada Masyarakat Kota Batam, Provinsi Kepulauan Riau, Indonesia

SKETSA BISNIS ◽  
2020 ◽  
Vol 7 (1) ◽  
pp. 27-36
Author(s):  
Fendy Cuandra
Keyword(s):  
Financial Services ◽  
Banking System ◽  
Internet Banking ◽  
Retail Banking ◽  
The Internet ◽  
Banking Services ◽  
Self Service ◽  
Self Service Technology ◽  
Internet Banking Services ◽  
The Impact

Abstract Financial services have now been transformed due to the impact of the development of Information and Communication Technology (ICT). It also affects the form of retail banking services that occur in various countries, resulting in changes in the needs and preferences of consumers. Consumer needs have changed, making banks use advanced information technology such as the internet to achieve competitive advantage in terms of customer service. Internet Banking is a type of service in the form of an online transaction method for money transfer transactions in 1 (one) certain bank account to another account that can be done at any time. Internet banking services are becoming popular and growing services so that they are better known as self-service technology. However, internet banking services can be ignored and avoided if the customer feels that he is not ready or comfortable in utilizing the capabilities of the internet banking system. Keywords:internet, internet banking, technology Abstrak Pelayanan keuangan saat ini telah bertransformasi akibat dampak pengembangan Teknologi Informasi dan Komunikasi (TIK). Hal tersebut juga mempengaruhi bentuk layanan perbankan ritel yang terjadi di berbagai negara, sehingga terjadi perubahan atas kebutuhan maupun preferensi konsumen. Kebutuhan konsumen yang telah berubah, membuat perbankan memanfaatkan teknologi informasi maju seperti internet untuk mencapai keunggulan kompetitif dalam hal pelayanan konsumen. Internet Banking merupakan jenis layanan berupa metode bertransaksi secara online untuk transaksi pengiriman uang dalam 1 (satu) rekening bank tertentu ke rekening lain yang dapat dilakukan sewaktu-waktu. Layanan internet banking menjadi layanan populer dan berkembang sehingga lebih dikenal sebagai layanan teknologi mandiri (Self-service Technology). Namun, layanan internet banking dapat diacuhkan dan dihindari apabila pelanggan merasa belum siap ataupun belum nyaman dalam memanfaatkan kemampuan system internet banking.Kata Kunci: internet, internet banking, teknologi

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