scholarly journals An Analysis of Factors Affecting the Adoption of E-Banking Services in Small Finance Banks in Karnataka

2020 ◽  
Vol 8 (6) ◽  
pp. 3519-3524
Keyword(s):  
Technology Adoption ◽  
Technological Change ◽  
Special Reference ◽  
Banking Sector ◽  
Electronic Banking ◽  
Banking Services ◽  
Factors Affecting ◽  
Important Development ◽  
Recent Trends ◽  
Good For

Nowadays Banks are quite important in the overall development of a country. The banking sector in India has gone through a tremendous technological change during 1990s. Banks have begun to use technology as a medium to serve its customers in a better and fast way. Electronic banking is very important development which has happened recently. E banking provide an opportunity for its customers to carry out any kind of banking activities with the access of internet. The recent trends show that the banks are shifting their focus from product centric model to customer centric model by means of developing new e-banking services. This holds good for small financial banks (SFBs) as well. However the SFBs are on its nascent stage, but it is on a technology adoption spree to efficiently manage their overall cost of operation. The main objective of this paper is to find out various components that have influence on the consumers who adopt electronic banking services purpose of this paper is to identify the various factors that affect the customers to adopt ebanking services with special reference to small finance banks in Karnataka

scholarly journals Factors affecting Palestinian customers’ use of online banking services

2019 ◽  
Vol 37 (2) ◽  
pp. 426-451 ◽  
Author(s):  
Mohammed Z. Salem ◽  
Samir Baidoun ◽  
Grace Walsh
Keyword(s):  
Technology Adoption ◽  
Banking Sector ◽  
Arab Countries ◽  
Online Banking ◽  
Security And Privacy ◽  
Online Services ◽  
Banking Services ◽  
Content Type ◽  
Factors Affecting ◽  
Technological Leadership

PurposeThe purpose of this paper is to examine factors that affect Palestinian customers’ use of online banking services.Design/methodology/approachAn empirical study was conducted using a questionnaire in order to test the hypotheses. The questionnaire was distributed to 500 respondents selected by the participating banks. A total of 369 complete questionnaires were returned. The study’s independent variables include technology adoption propensity, customers’ value for online personalization, customers’ privacy concern, e-trust, technological leadership and loyalty. Palestinian customers’ usage of online banking services is the dependent variable.FindingsThe results of the model tested clearly suggest that the use of online banking services is influenced, respectively, by the technological leadership, e-trust, e-loyalty, customers’ value for online personalization, customers’ concern for privacy and propensity of technology adoption. Finally, this paper suggests that policy makers should develop a prioritized hierarchy of actions in developing the effective use of bank’s online services, based on thet- andp-values of the latter mentioned factors.Research limitations/implicationsOne limitation of the study is relying on self-reported cross-sectional data collection, rather than longitudinal surveying. Despite such limitation, the study provides the Palestinian banking sector with recommendations to promote online banking services based on the empirically identified factors affecting such service adoption.Practical implicationsPalestinian banks should promote the adoption of online banking services by supporting personalization of services, privacy and trust. Customers should always be informed that their bank is among the first banks to introduce the latest state-of-the-art online services. Technology innovative and diverse online services should be offered by banks to attract customers.Originality/valueAlthough numerous research studies have studied the factors affecting customers in using electronic and online banking services, few studies have considered such usage in the developing countries, such as Arab countries in general and Palestine in particular. This is the first study to examine the factors affecting the adoption of online banking services in Palestine. This study provides empirical evidence to fill in the gap by providing a deeper understanding of the factors affecting the usage of online banking services in the country. The findings of this study can help decision makers in the Palestinian banks to develop practical plans that might accelerate and expand the adoption of online banking emphasizing personalized and trusted services offered with high level of security and privacy.

scholarly journals FACTORS AFFECTING CUSTOMER SATISFACTION AND RECOMMENDATION OF MOBILE BANKING SERVICES IN MOROCCO

2021 ◽  
Vol 6 (3) ◽  
Author(s):  
Samir Boujaddaine ◽  
Ahmed Taqi
Keyword(s):  
Customer Satisfaction ◽  
Banking Sector ◽  
Mobile Banking ◽  
Banking Services ◽  
Factors Affecting ◽  
Satisfaction Index ◽  
Index Model ◽  
American Customer Satisfaction Index ◽  
Indirect Relationship ◽  
The Relationship

This paper is an application of a variation of American Customer Satisfaction index model in the context of Moroccan banking sector. We specifically chose mobile banking and added a variable that is the service recommendation factor, the results of our work have proved that the hypotheses proposed by our model are validated except the relationship between the perceived quality and customer satisfaction and which can be explained by the indirect relationship through the perceived value. JEL: M31, Z33 <p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/edu_01/0852/a.php" alt="Hit counter" /></p>

CURRENT STATE OF ELECTRONIC BANKING SERVICES IN THE INTERNATIONAL TECHNOLOGY MARKET AND WAYS TO IMPROVE THEM

2020 ◽  
Vol 4 (11) ◽  
pp. 107-113
Author(s):  
Z. K. DZHAFAROVA ◽  
◽  
Z. ASADULAEVA ◽  
Keyword(s):  
Banking Sector ◽  
New Technologies ◽  
Electronic Banking ◽  
Banking Services ◽  
Current State ◽  
Technology Market

The article examines the features and changes of banking services in connection with the use of new technologies in the banking sector, with the transition to more convenient payment platforms, with the con-nection of electronic banking. The problems faced by banks are identified and ways to solve them are recom-mended.

scholarly journals Factors affecting Jordanian electronic banking services

2020 ◽  
pp. 915-922 ◽  
Author(s):  
Hassan Rawwash ◽  
Fawzieh Masa'd ◽  
Odai Enaizan ◽  
Bilal Eanizan ◽  
Mohammad J Adaileh ◽  
...  
Keyword(s):  
Electronic Banking ◽  
Banking Services ◽  
Factors Affecting

scholarly journals Thai Banking: A Note on Technological Change and Technological Capabilities

2008 ◽  
Author(s):  
Jarunee Wonglimpiyarat
Keyword(s):  
Technological Change ◽  
Banking Sector ◽  
Banking System ◽  
Technological Capabilities ◽  
Technological Regime ◽  
Innovation Development ◽  
Banking Services ◽  
Use Of Technology ◽  
1960S And 1970S ◽  
The 1960S

This paper reports on the technological capabilities and learning of Thai banking system. It identifies innovation development of the system as it evolved and how the learning process took place. This study is based on a leading technological regime change literature and the results are based on the study of five commercial banks: Bangkok Bank, Siam Commercial Bank, Thai Farmers Bank (Kasikorn Bank), Krung Thai Bank, and Bank of Ayudhya. Mass automation of work procedures occurred during the 1960s and 1970s while the smart automation regime began in the early 1970s. The ways in which the banks improved their technological capabilities via electronic banking services is explored. The results also show that the use of technology in the mass automation regime is carried through to the smart automation regime, showing that the technological change in the banking sector is not revolutionary, but ocurred slowly, i.e. evoled via slow learing process.  

scholarly journals Factors Affecting to Job Satisfaction of Banking Employees in Sri Lanka Special Reference Public and Private Banks in Anuradhapura District

2017 ◽  
Vol 5 (1) ◽  
pp. 62 ◽  
Author(s):  
Salinda Weerasinghe ◽  
Harshani Dedunu ◽  
Chiranthani Jayani
Keyword(s):  
Job Satisfaction ◽  
Sri Lanka ◽  
Special Reference ◽  
Banking Sector ◽  
Sampling Technique ◽  
Job Security ◽  
Regression Result ◽  
Factors Affecting ◽  
Employee Job Satisfaction ◽  
Private Banks

Employees are the backbone of any organization. They are the most precious and important asset among all the assets of any organization. Job satisfaction is a part of employee life satisfaction. So the employee job satisfaction becomes one of the top priority issues in the banking industry. Therefore, the study aims to identify the level of job satisfaction of banking employees’ in private and public banks in Sri Lanka with special reference to Anuradhapura District. All employees who are working in either public or private banks in Anuradhapura District were the population of the study and out of them 226 employees were selected as sample of the study based on stratified sampling technique. Data were processed through number of rigorous analysis to derive a robust conclusion. The findings of the study indicated higher level of job satisfaction in public sector banking employees than private sector employees in Sri Lanka. Further study regression result highlighted statistically significant impact of work itself, salary, job security and recognition on employee job satisfaction in baking sector Sri Lanka, however possibility of growth and working conditions no longer make significant impact on employee job satisfaction. Finally, study identified salary as a greatest explanatory variable of employee job satisfaction in banking sector Sri Lanka. Key words: Banking Sector, Job satisfaction, Salary, Job security

Electronic Payment Adoption in the Banking Sector of Low-Income Countries

2018 ◽  
pp. 1042-1063
Author(s):  
Teshome Alemu ◽  
Tridib Bandyopadhyay ◽  
Solomon Negash
Keyword(s):  
Technology Adoption ◽  
Low Income ◽  
Banking Sector ◽  
Low Income Countries ◽  
Primary Data ◽  
Banking Services ◽  
Use Of Technology ◽  
Moderating Factors ◽  
Context Specific ◽  
The Way

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low income countries timely. The authors test context specific applicability of UTAUT (Unified Theory of Acceptance and Use of Technology) model. The authors' analysis of primary data suggests general applicability of the modified UTAUT model in explaining factors and antecedents of technology adoption but also identifies significant differences in the moderating factors of gender and age. Depending on whether they are above or below the age of 30, Ethiopian consumers of banking services exhibit highly differentiated levels of service credibility and technology risk acceptance towards ATM banking. This suggests that banking services sector in low income countries may like to clearly delineate and appropriately differentiate their awareness and reach-out strategies to their customers who belong to one or the other age group. Furthermore, women in this study are found to perceive themselves as more susceptible to fraud and other security risks in ATM banking, suggesting that special design considerations be incorporated in the way locations of ATMs are selected and in the way ATM technology features are accessed to ally such fears. The authors' work also shows research directions where other scholars may investigate an otherwise much diffused technology adoption in the low income countries of the world.

واقع وسائل الدفع الالكترونية في العراق للمدة ( 2010 – 2018)

2021 ◽  
Vol 2021 (69) ◽  
pp. 38-66
Author(s):  
حيدر كامل مجيد ◽  
أ. د. وحيدة جبر المنشد
Keyword(s):  
Information Technologies ◽  
Banking Sector ◽  
International Banking ◽  
Electronic Payment ◽  
Economic Sectors ◽  
Banking Services ◽  
Factors Affecting ◽  
Payment Methods ◽  
Technological Developments ◽  
Main Components

The recent technological developments and innovations that have taken place at the international level have led to a revolution in the world of information and communications, and this is one of the most important features of the modern era that affected society and individuals began to deal on its basis because it harnesses modern technologies to give individuals new options that reduce time and effort and reduce the cost, and thus what I produce This development affected various economic, legal, social and cultural sectors, and since the banking sector is one of the most important economic sectors, therefore,it was affected by this development and this appeared through the development of traditional payment methods and their conversion to electronic payment methods. The Iraqi banking sector has witnessed, after the year 2003, an openness to the outside world through the use of modern banking technologies in providing services to customers in order to keep abreast of developments and developments in the international banking sector. Thus, Iraqi banks have sought to develop their services through the use of information technologies and the application of electronic payment systems and means in order to diversify the banking services it provides and to create new services as well as to increase the spread of banking services in addition to increasing the efficiency and effectiveness of banking work and increasing its profits, Thus, the research section was divided into three sections, as the first topic dealt with the nature and types of electronic payment methods. As for the second topic, it touched on the main components of the project to develop and modernize the payment system in Iraq. In the third topic, the factors affecting the spread of electronic payment methods in Iraq were discussed.

scholarly journals An Analysis of Customer Perceptions on Services of Electronic Banking in Bangladesh

2016 ◽  
Vol 12 (1) ◽  
pp. 169
Author(s):  
Mohammad Masudur Rahman ◽  
Muhammad Ataur Rahman ◽  
Md Neshat Fahmed
Keyword(s):  
Financial Institutions ◽  
Banking Sector ◽  
Electronic Banking ◽  
Online Services ◽  
Banking Services ◽  
Customer Perceptions ◽  
Effective Relationships ◽  
Use Of Internet ◽  
Business Sectors

The use of Internet is growing rapidly in all business sectors to maintain effective relationships with customers, suppliers, distributors and many other parties. Banking sector is receiving the benefits of Internet by providing online services to the customers. Online services of banks are very useful for the internal employees and the customers where popularity of banking is increasing gradually. The benefits of E-Banking are enormous for both the financial institutions and bank customers. These benefits are the basis for the growth of the E-Banking.  For the bank customers, the biggest benefit of E-Banking is convenience, longer banking hours, flexibility and accessibility. Despite the benefits and advantages of E-Banking, there are drawbacks and weaknesses.  In developing this study, a pre-defined methodology and procedure have been followed. The aim of this research is to evaluate customers’ perceptions on the Electronic banking services in Bangladesh.

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