scholarly journals STRATEGI PEMASARAN TABUNGAN iB MASLAHAH PADA BANK JABAR BANTEN SYARIAH KANTOR CABANG BOGOR

2020 ◽  
Vol 8 (2) ◽  
pp. 92
Author(s):  
Asti Marlina
Keyword(s):  
Data Base ◽  
Internet Banking ◽  
System Management ◽  
Mobile Banking ◽  
Management School

<p>Strategi pemasaran yang digunakan oleh BJB Syariah yaitu melalui digitalisasi pada media sosial, mobile banking, internet banking dan juga melakukannya melalui system management school. Adapun kendala yang diahadapi oleh BJB Syariah yaitu seperti kurangnya persiapan data base, persyaratan calon nasabah yang kurang lengkap dan nomor telepon yang tidak aktif lagi. Adapun solusinya yaitu, seperti lebih mempersiapkan atau melengkapi data base, mengupdate atau memastikan nomor nasabah untuk masih tetap aktif dan juga pihak bank dalam memasarkan produk lebih mengusai pengetahuan tentang produk tersebut.</p>

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.

An Empirical Study of User Acceptance Behaviours of Internet Banking in Tunisia Using UTAUT2 Model

2021 ◽  
Vol 12 (4) ◽  
pp. 16-34
Author(s):  
Wadie Nasri
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Internet Banking ◽  
Equation Model ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Use Of Technology ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
Internet Banking Services

The conceptual model proposed was based on the extended unified theory of acceptance and use of technology (UTAUT2). The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, effort expectancy, social influence, and facilitating conditions show a significant positive impact on the users' behavioural intention to use internet banking services. However, price value, hedonic motivation, and habit do not positively influence the behavioural intention. This study offers Tunisian banks some guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

PENGARUH TRANSAKSI PERBANKAN ELEKTRONIK (ELECTRONIC BANKING) TERHADAP KINERJA KEUANGAN ENTITAS PUBLIK PERBANKAN

2021 ◽  
Vol 26 (1) ◽  
pp. 30-40
Author(s):  
Pradivta Alfatihah ◽  
B. Sundari
Keyword(s):  
Return On Investment ◽  
Internet Banking ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Purposive Sampling

Penelitian bertujuan untuk mengetahui pengaruh transaksi perbankan elektronik terhadap kinerja keuangan entitas publik perbankan. Dengan menggunakan teknik purposive sampling, terpilih 42 sampel yang merupakan entitas publik perbankan selama periode 2013-2019. Penelitian menggunakan metode analisis regresi linier berganda, untuk menguji hubungan atau pengaruh variabel dependen dan independen. Hasil penelitian menunjukkan bahwa secara parsial, pemanfaatan teknologi ATM berpengaruh positif signifikan terhadap Return on Investment (ROI), sedangkan pemanfaatan internet banking dan mobile banking berpengaruh positif tetapi tidak signifikan terhadap ROI. Kemudian, penelitian juga menunjukkan bahwa pemanfaatan teknologi ATM, internet banking, dan mobile banking secara simultan berpengaruh positif signifikan terhadap ROI.

scholarly journals Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh

2016 ◽  
Vol 9 (1) ◽  
pp. 47
Author(s):  
Mohammad Zahed Hossain
Keyword(s):  
Mobile Apps ◽  
Age Groups ◽  
Cost Effective ◽  
Internet Banking ◽  
Demographic Variables ◽  
Online Banking ◽  
Primary Data ◽  
Mobile Banking ◽  
Chi Square ◽  
Banking Services

<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>

scholarly journals AVALIAÇÃO DA QUALIDADE DA INFORMAÇÃO DISPONIBILIZADA EM SISTEMAS DE INTERNET BANKING E MOBILE BANKING NA ÓTICA DE USUÁRIOS

2018 ◽  
Vol 18 (49) ◽  
pp. 88-102
Author(s):  
João Victor Pinheiro Mesquita  ◽  
Josivania Silva Farias
Keyword(s):  
Information Quality ◽  
Internet Banking ◽  
Mobile Banking

A Internet e o Mobile Banking ampliaram o acesso aos serviços bancários, sendo um canal de relacionamento e de fornecimento de informações que baseiam decisões diárias das pessoas. O objetivo desta pesquisa foi avaliar a Qualidade da Informação (QI) na ótica de usuários de Internet Banking (IB) ou Mobile Banking (MB). Foram realizados dois surveys. O primeiro com 106 participantes visando levantar cinco dimensões consideradas mais importantes por clientes bancários para avaliação da QI e o segundo com 201 usuários de IB ou MB com aplicação do instrumento Assessment Information Quality Methodology (AIMQ), proposto por de Lee et al. (2002). Utilizaram-se testes não paramétricos (Mann-Whitney, Kruskal-Wallis e o Coeficiente de Correlação de Spearman) nas análises dos dados. Os resultados mostraram que informações disponibilizadas em portais de IB ou aplicativos MB são percebidas como de elevada QI. Esses resultados da pesquisa convergem para o atendimento de expectativas de alta qualidade da Informação nesse canal de autosserviço.

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 Effect of Bank Innovations on Profitability and Return on Assets (ROA) of Commercial Banks in Lebanon

2017 ◽  
Vol 9 (4) ◽  
pp. 35 ◽  
Author(s):  
Hiyam Sujud ◽  
Boutheina Hashem
Keyword(s):  
Social Sciences ◽  
Commercial Banks ◽  
Positive Impact ◽  
Credit Cards ◽  
Internet Banking ◽  
Mobile Banking ◽  
Significance Tests ◽  
Return On Assets ◽  
Point Of Sale ◽  
The Impact

The purpose of this research is to study bank innovations in the field of mobile banking, debit and credit cards, automated machines (ATM), internet banking, point of sale terminals (PST) and electronic funds transfer (EFT). It purposely looked into those innovations in relation to their influence on profitability and return on assets (ROA) of Lebanese commercial banks. Data was collected through a research questionnaire, and statistical analysis was done using the Package of Social Sciences Software (SPSS). The results revealed that there is a significant positive impact of bank innovations on profitability and return on assets of Lebanese commercial banks and significance tests also showed that the impact was statistically significant. Based on the results of the study, it can be concluded that bank innovations affect profitability and return on assets (ROA) of commercial banks in Lebanon positively.

Study of Indian Customer Mobile Banking Adoption

2021 ◽  
pp. 301-318
Author(s):  
Som Sekhar Bhattacharyya ◽  
Rohit Choudhary ◽  
Piyush Punewar
Keyword(s):  
Qualitative Interviews ◽  
Internet Banking ◽  
Mobile Banking ◽  
Banking Services ◽  
Customer Perceptions ◽  
Brick And Mortar ◽  
Minimum Number ◽  
Internet Availability ◽  
Two Phases ◽  
Electronic Channels

The banking landscape in India has been changing rapidly due to advent of emerging technologies. Consumers have adopted technology in their everyday banking transactions. These changes have been evident because of the advent of electronic channels like mobile banking (MB), internet banking, payments banking, fintech applications, and such others. Given the burgeoning Indian population, the brick and mortar model of banking hasn't been able to keep up with the increased and enhanced customer needs. This has led to bankers harping on adoption of mobile banking. The authors in this study applied a sequential mixed method quant-qual to better comprehend customer perceptions towards adoption of mobile banking services. The research was carried out in two phases: quantitative survey followed by qualitative interviews. The findings from the study helped gauge the user perception towards MB. These were concerns regarding security, internet availability, simplified user interface experience of MB, customer convenience for core banking services, and transactions with minimum number of clicks.

scholarly journals ANALISIS USABILITAS PADA APLIKASI MANDIRI ONLINE

2020 ◽  
Vol 15 (1) ◽  
pp. 11
Author(s):  
Astrid Wahyu Adventri Wibowo
Keyword(s):  
Evaluation System ◽  
Internet Banking ◽  
Mobile Banking ◽  
Heuristic Evaluation ◽  
Online Application ◽  
Evaluation Approach ◽  
Usability Problems ◽  
System Usability Scale ◽  
System Usability ◽  
Search Feature

Internet banking atau mobile banking adalah salah satu bentuk aplikasi yang berbasis internet yang dapat digunakan sebagai pintu gerbang menuju dunia perbankan masa depan. Dalam memberikan layanan, pihak bank tidak ingin mengecewakan nasabahnya karena aplikasi internet banking yang sulit digunakan sehingga mengakibatkan nasabah gagal dalam mencari informasi atau gagal melakukan aktivitas perbankan. Melihat pentingnya usabilitas sebuah aplikasi, maka dilakukan penelitian terhadap aplikasi Mandiri Online untuk mengetahui kelayakan dari aplikasi tersebut, mengidentifikasi permasalahan usabilitas, serta menyusun rekomendasi perbaikan. Aplikasi tersebut diuji menggunakan System Usability Scale (SUS) dan pendekatan heuristic evaluation dengan responden sebanyak 40 orang untuk metode SUS dan 5 evaluator dengan kriteria single-expert untuk pendekatan heuristic evaluation. Hasil pengujian aplikasi Mandiri Online dengan instrumen SUS adalah sebesar 79,6 yang berarti aplikasi Mandiri Online dinyatakan dapat diterima (acceptable), termasuk dalam grade B dengan rating good. Dari penelitian ini juga diketahui bahwa terdapat beberapa permasalahan usabilitas mayor yang harus segera diperbaiki dan harus diberi prioritas tinggi. Dalam menyelesaikan permasalahan tersebut membutuhkan beberapa usaha, seperti  menambahkan fitur search untuk mencari nama bank, membuat pengelompokkan instansi pada menu multipayment, membuat atau menambahkan panduan penggunaan atau flowchart penggunaan Mandiri Online, dan menambahkan fitur help pada Mandiri Online. Abstract[Title: Usability Analysis of Mandiri Online Apllication] Internet banking or mobile banking is a form of internet-based application that can be used as a gateway to the future of banking. In providing services, banks won’t to let down their customers because of internet banking applications are difficult to use, resulting in failure to find information or fail to conduct banking activities. Seeing the importance of application usability, a study of Mandiri Online application was conducted to find out the appropriatness of the application, identify usability issues, and construct recommendations for application improvement. This application was tested using the System Usability Scale (SUS) and heuristic evaluation approach with 40 respondents for the SUS and 5 evaluators with single-expert criteria for the heuristic evaluation. The result of testing the Mandiri Online application with the SUS instrument amounted to 79,6 which means this application was declared acceptable, included in grade B, and with a good rating. From this study it is also known that there are some major usability problems that must be corrected immediately and must be given high priority. In solving these problems requires several efforts, such as adding search feature to search the bank’s name, creating agency groups on multipayment menu, creating or adding usage guidelines or flowcharts for using Mandiri Online, and adding help feature to Mandiri Online.Keywords: Heuristic Evaluation; System Usability Scale; Usability

Resistance to Internet Banking Adoption in Tunisia

2014 ◽  
Vol 10 (3) ◽  
pp. 32-43
Author(s):  
Wafa M'Sallem ◽  
Mohamed Nabil Mzoughi
Keyword(s):  
Consumer Behavior ◽  
Technology Acceptance ◽  
Internet Banking ◽  
Financial Service ◽  
Influential Factors ◽  
Online Banking ◽  
Theoretical Knowledge ◽  
Mobile Banking ◽  
New Wave ◽  
Lack Of Information

Adoption of online banking has been studied in detail with respect to theories of consumer behavior, yet the adoption of Internet banking still provides an attractive area of research. A new wave of research supports the importance of understanding consumer behavior within the perspective of resistance, and attempts to address the theoretical knowledge gap between technology acceptance and adoption. In this respect, this research examines the factors that inhibit people to adopt and use Internet banking as a complementary financial service. An abductive investigation based on the grounded theory methods has been used. Findings suggest that the important factors which slow the adoption of Internet banking were the lack of information about the service, and the satisfaction with the existing alternative that individuals are currently using (bricks-and mortar, ATMs, and mobile banking). Other influential factors are highlighted. Implications for academicians and practitioners are discussed.

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