scholarly journals A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India

2021 ◽  
Vol 9 (4) ◽  
pp. 17-23
Author(s):  
K Karthikeyan ◽  
M Dinesh Kumar
Keyword(s):  
Banking Sector ◽  
Electronic Device ◽  
Mobile Apps ◽  
Physical Activities ◽  
Mobile Banking ◽  
Private Company ◽  
Private Companies ◽  
Public And Private ◽  
Value Analysis ◽  
Bar Code

Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).

Financial Reporting Fraud: Public and Private Companies

2016 ◽  
Vol 1 (1) ◽  
pp. A27-A41 ◽  
Author(s):  
A. Scott Fleming ◽  
Dana R. Hermanson ◽  
Mary-Jo Kranacher ◽  
Richard A. Riley
Keyword(s):  
Financial Reporting ◽  
Primary Objective ◽  
Private Company ◽  
Private Companies ◽  
Public And Private ◽  
Public Companies ◽  
Multivariate Tests ◽  
Public Company ◽  
Public Versus Private ◽  
Financial Reporting Fraud

ABSTRACT This study uses survey data gathered by the Association of Certified Fraud Examiners (ACFE) and provided to the Institute for Fraud Prevention (IFP) to examine differences in the profile of financial reporting fraud (FRF) between private companies and public companies. Although private companies represent a significant portion of the economy, largely due to lack of data on these companies, most research on FRF examines only public companies. The primary objective of this study is to determine how private company FRF is different from FRF in public companies. Our multivariate tests reveal that public companies have stronger anti-fraud environments, are more likely to have frauds that involve timing differences, tend to experience larger frauds, have frauds that involve a larger number of perpetrators, and are less likely to have frauds that are discovered by accident. Overall, it appears that the stronger anti-fraud environment in public companies leads public company FRF perpetrators to use less obvious fraud methods (i.e., timing differences) and to involve larger fraud teams to circumvent the controls. These public company frauds are larger than in private companies, and their larger size may make them more likely to be detected through formal means, rather than by accident. Based on the results, we encourage auditors and others to be particularly attuned to the unique risks of the public versus private setting.

scholarly journals Analysis of the Safety Resilience Implementation in the Maritime Industry at Public and Private Companies (A Case Study in Indonesia)

Safety ◽  
2021 ◽  
Vol 7 (3) ◽  
pp. 56
Author(s):  
Zulkifli Djunaidi ◽  
Annisa Ayu Tantia ◽  
Mufti Wirawan
Keyword(s):  
Quantitative Methods ◽  
Sampling Technique ◽  
Learning Ability ◽  
Maritime Industry ◽  
Private Company ◽  
Private Companies ◽  
Public And Private ◽  
The Public ◽  
Public Company ◽  
Anticipatory Action

(1) Background: The resilience concept shows performance improvement in four potential aspects consisting of the ability to respond, provide anticipatory action, control things that occur internally and externally, as well as the learning process of what is going right and what is going wrong. This study aims to analyze the safety resilience implementation in the Indonesian maritime sector. (2) Method: This is a descriptive study using semi-quantitative methods, using interview guides based on the Resilience Assessment Grid (RAG). The sampling technique is purposive sampling. (3) Results: The level of implementation of safety resilience at the public company was 75.1%, while the private company was 70.2%. The score for each safety resilience element in the public and private companies are as follows: the ability to respond (80%), learning ability (74.62%), monitoring ability (70.77%), and the ability to anticipate (66.92%). (4) Conclusion: The safety resilience implementation in Indonesian sea transportation shipping has not been optimal in implementing the safety resilience concept. The focus of implementing safety is still on preventing and controlling accidents. The other orientation of ability improvement in the safety resilience concept has not been implemented.

Determinants of cross selling through mobile apps in Indian Banks – A Factor Analysis Approach

2021 ◽  
Vol 23 (10) ◽  
pp. 161-173
Author(s):  
Dr. Urvashi Shrivastava ◽  
◽  
Dr. Minal Shah ◽  
Keyword(s):  
Financial Services ◽  
Business Processes ◽  
Banking Sector ◽  
Mobile Apps ◽  
New Physics ◽  
Competitive Dynamics ◽  
Mobile Banking ◽  
Competitive Edge ◽  
World Economic ◽  
Indian Banks

With the release of world economic forums report on “New physics of financial services”, the financial ecosystem of India will adapt to digital transformation and artificial intelligence. This will change the competitive dynamics and operating models of Indian Banking Sector creating opportunities to procure and secure customers. The steadiest path to address the challenge is Cross selling. From reduced customer acquisition cost to increase in the wallet share, the economics and financials of cross selling are very compelling and hence have become the strategic priority for Indian banking sector. Banks are placing greater emphasis on providing improved services to their clients, upgrading their expertise to augment customer’s overall experience thereby earning competitive edge. The banking complexity that spans multiple lines of products, diverse serviceable areas and distinct technologies and business processes must be coordinated using mobile banking apps to deliver effective cross-sell programs which the present study proposes.

Employees Attitude towards E-Learning in Banking Sector -An Empirical Study of Shivamogga District

2019 ◽  
Vol 118 (10) ◽  
pp. 88-106
Author(s):  
Dr.Mamatha. S.M ◽  
Mr.Panduranganagouda Honnali
Keyword(s):  
Banking Sector ◽  
Employee Performance ◽  
Private Bank ◽  
Public And Private ◽  
The Public ◽  
Body Of Knowledge ◽  
E Learning ◽  
Banking Structure ◽  
Bank Employees ◽  
Methods Of Learning

E-learning has become a global phenomenon and it is the central theme of many industries and organizations for the additional method of training which can complement traditional methods of learning. The practices of E-learning and Learning management system (LMS) in the banking sector make the drastic changes in the employee performance and their knowledge regarding job in the modern banking structure. This study provides a comprehensive body of knowledge about LMS and e-learning, in general, within the public and private bank in India. The main objective of this paper to understand and analyze the attitude of employees towards E-learning practices in banking sector in Shivamogga district. The data was analyzed by using exploratory factor analysis, based on the responses received from a random the sample 50 of the bank employees working in the private sector banks.

Empirical Study On Attributes Leading To Satisfaction Among Bank Customer

2019 ◽  
Vol 118 (7) ◽  
pp. 101-110
Author(s):  
Ms.U.Sakthi Veeralakshmi ◽  
Dr.G. Venkatesan
Keyword(s):  
Service Quality ◽  
Behavioral Intention ◽  
Banking Sector ◽  
Positive Impact ◽  
Quality Performance ◽  
Public And Private ◽  
The Difference ◽  
The Individual ◽  
Private Banking ◽  
Service Gap

This research aims at measuring the service quality in public and private banking sector and identifying its relationship to customer satisfaction and behavioral intention. The study was conducted among 500 bank customers by using revised SERVQUAL instrument with 26 items. Behavioral intention of the customers was measured by using the behavioral intention battery. The researcher has used a seven point likert scaling to measure the expected and perceived service quality (performance) and the behavioral intention of the customer. The instrument was selected as the most reliable device to measure the difference-score conceptualization. It is used to evaluate service gap between expectation and perception of service quality. Modifications are made on the SERVQUAL instrument to make it specific to the Banking sector. Questions were added to the instrument like Seating space for waiting (Tangibility), Parking space in the Bank (Tangibility), Variety of products / schemes available (Tangibility), Banks sincere steps to handling Grievances of the customers (Responsiveness). The findings of the study revealed that the customer’s perception (performance) is lower than expectation of the service quality rendered by banks. Responsiveness and Assurance SQ dimensions were the most important dimensions in service quality scored less SQ gap. The study concluded that the individual service quality dimensions have a positive impact on Overall Satisfaction.

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 Patient Smartphone Ownership and Interest in Mobile Apps to Monitor Symptoms of Mental Health Conditions: A Survey in Four Geographically Distinct Psychiatric Clinics

2014 ◽  
Vol 1 (1) ◽  
pp. e5 ◽  
Author(s):  
John Torous ◽  
Steven Richard Chan ◽  
Shih Yee-Marie Tan ◽  
Jacob Behrens ◽  
Ian Mathew ◽  
...  
Keyword(s):  
Mental Health ◽  
United States ◽  
Psychiatric Symptoms ◽  
Mobile Apps ◽  
Mental Healthcare ◽  
The United States ◽  
Psychiatric Outpatients ◽  
Public And Private ◽  
Diverse Patient Population ◽  
Mobile Mental Health

Background Despite growing interest in mobile mental health and utilization of smartphone technology to monitor psychiatric symptoms, there remains a lack of knowledge both regarding patient ownership of smartphones and their interest in using such to monitor their mental health. Objective To provide data on psychiatric outpatients’ prevalence of smartphone ownership and interest in using their smartphones to run applications to monitor their mental health. Methods We surveyed 320 psychiatric outpatients from four clinics around the United States in order to capture a geographically and socioeconomically diverse patient population. These comprised a state clinic in Massachusetts (n=108), a county clinic in California (n=56), a hybrid public and private clinic in Louisiana (n=50), and a private/university clinic in Wisconsin (n=106). Results Smartphone ownership and interest in utilizing such to monitor mental health varied by both clinic type and age with overall ownership of 62.5% (200/320), which is slightly higher than the average United States’ rate of ownership of 58% in January 2014. Overall patient interest in utilizing smartphones to monitor symptoms was 70.6% (226/320). Conclusions These results suggest that psychiatric outpatients are interested in using their smartphones to monitor their mental health and own the smartphones capable of running mental healthcare related mobile applications.

scholarly journals A SURVEY OF LITERATURE REVIEW ON BANK PREFORMANCE

2021 ◽  
Vol 30 (30 (1)) ◽  
pp. 235-241
Author(s):  
Nina Sinițîn
Keyword(s):  
Content Analysis ◽  
Literature Review ◽  
Performance Studies ◽  
Banking Sector ◽  
Mobile Banking ◽  
Analysis Method ◽  
Banking Efficiency ◽  
Bank Profitability ◽  
Content Analyses ◽  
Sector Performance

This study analyses existing literature review studies on banking sector performance. Specially, this research aim is to identify topics of interest and development niche for this vast field. The paper presents a content analyses of 14 literature review on banking sector performance studies, selected using clear and transparency methodology. The content analysis of the papers identified that themes are diverse: banking performance and efficiency analysed using the DEA (Data Envelope Analysis) method, banking efficiency and risk, banking efficiency and competition, mobile banking and bank profitability. Based on selected papers this study identified that in recent years number of systematic literature revie studies increase, in the same time traditional literature review are decreasing.

scholarly journals An Empirical Analysis of Mobile Banking Adoption in Vietnam

2020 ◽  
Author(s):  
Bui Nhat Vuong
Keyword(s):  
Mobile Phone ◽  
Structural Equation ◽  
Banking Sector ◽  
Service Providers ◽  
The Body ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services

Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking

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