scholarly journals Electronic Banking, Its Use And Safety. Are There Differences In The Access Of Bank Customers By Gender, Education And Age?

Author(s):  
Jaroslav Belás ◽  
Michal Korauš ◽  
Lenka Gabčová

Electronic banking is an important area of banking activities, under which the commercial banks try to retain existing clients or attract new customers through a better quality of service and decrease in prices of these services. The aim of the article was to examine selected attributes of security and the use of electronic banking and quantify differences in approach of the bank customers by gender, education and age. Our research confirmed that the dominant part of banking customers use electronic access when managing their personal finances. We found out that there are some differences in the approach of the bank customers in terms of their education. The customers with higher education to a greater extent and more intensively use electronic banking. In the safety area, we did not find any significant differences between banking clients by gender, education and age. The only exception is the finding that clients up to 35 years are significantly more confident in the use of electronic banking through public networks.

2015 ◽  
Vol 3 (2) ◽  
pp. 16-28 ◽  
Author(s):  
Jaroslav Belás ◽  
Michal Korauš ◽  
Lenka Gabčová

Abstract Electronic banking is an important area of banking activities, under which the commercial banks try to retain existing clients or attract new customers through a better quality of service and decrease in prices of these services. The aim of the article was to examine selected attributes of security and the use of electronic banking and quantify differences in approach of the bank customers by gender, education and age. Our research confirmed that the dominant part of banking customers use electronic access when managing their personal finances. We found out that there are some differences in the approach of the bank customers in terms of their education. The customers with higher education to a greater extent and more intensively use electronic banking. In the safety area, we did not find any significant differences between banking clients by gender, education and age. The only exception is the finding that clients up to 35 years are significantly more confident in the use of electronic banking through public networks.


2012 ◽  
Vol 11 (2) ◽  
pp. 171-182 ◽  
Author(s):  
Jamie Harding

Successive governments have encouraged the view of users of public services as consumers, choosing between different providers on the basis of information about the quality of service. As part of this approach, prospective students are expected to make their decisions about which universities to apply to with reference to the consumer evaluations provided by the National Student Survey. However, a case study of a post-1992 university showed that not all students made genuine choices and those who did tended to be in stronger social and economic positions. Where choices were made, they were infrequently based on external evaluations of quality.


2019 ◽  
Author(s):  
Merry

Abstract.In order to enhance the quality of Indonesian higher education, the Indonesian government through the Ministry of Research, Technology, and Higher Education paid much attention to lecturers in forms of financial incentives and opportunities for them to upgrade their professional skills. Meanwhile, educational laboratory assistants (educational supporting staffs with specific functional position) had also enjoyed some incentives from the government over the past 5 years. Therefore, these laboratory assistants need continuous coaching to maximise their roles in laboratories and to deliver services to their customers, such as lectures, students and other laboratory stakeholders. This study aimed at revealing to what extent effective coaching from superiors and adversity quotient owned by educational laboratory assistants influenced the quality of service of educational laboratory assistants of some Indonesian public universities. This research employed correlational quantitative approach using questionaires as data collection method. Data were analysed using regression analysis. The results of analysis indicated that there was a positive correlation between effective coaching and adversity quotient on the service quality of educational laboratory assistants of some public universities. The more effective the coaching and the higher the adversity quotient, the better quality of service of the laboratory assistants. Based on these results, it was concluded that the service quality of educational laboratory assistants could be improved through effective coaching and adversity quotient.


2017 ◽  
Vol 13 (2) ◽  
pp. 89
Author(s):  
Supriyanto Supriyanto

One of the efforts to make our higher education institutions to be in the same level with those of other nations is by improving the quality of the lecturers and their service to students. The research was conducted at the STAI Darul Ulum Banyuwangi, with a population of 132 people and 64 people of sample. The method of data collection is by using questionnaires and the method of data analysis is by using the analysis of double regression predictors. The results of this research show that: firstly, the lecturers’ abilities significantly influence the quality of services to students. Secondly, the lecturers’ teaching motivation also significantly influence the quality of services tostudents. Thirdly, the lecturers’ abilities are related to their teaching motivations. Finally the lecturers’ abilities and the teaching motivation simultaneously influence the quality of service to students. Keywords: quantitative design, ability, motivation, and service. Salah satu usaha untuk menjadikan pendidikan tinggi kita sejajar dengan bangsa lain, diperlukan perbaikan terutama pada perbaikan mutu dosen dan kualitas layanan kepada mahasiswa. Penelitian ini dilakukan di STAI Darul Ulum Banyuwangi, dengan populasi 132 orang dan sampel 64 orang. Metode pengumpulan data menggunakan metode angket dan analisis data menggunakan analisis regresi ganda dua predictor. Hasil penelitian ini menunjukan bahwa; pertama, kemampuan dosen berpengaruh secara signifikan terhadap kualitas layanan kepadamahasiswa;kedua,motivasimengajardosenberpengaruh secara signifikan terhadap kualitas layanan kepada mahasiswa; ketiga, kemampuan dosen berhubungan dengan motivasi mengajar; dan keempat, kemampuan dan motivasi mengajar dosen secara simultan berpengaruh signifikan terhadap kualitas layanan kepada mahasiswa. Kata Kunci: kuantitatif design, kemampuan, motivasi, layanan.


2020 ◽  
Vol 2 (1) ◽  
pp. 10-27
Author(s):  
Dewa Nyoman Benni Kusyana ◽  
Putu Atim Purwaningrat ◽  
Milla Permata Sunny

Quality of service plays an important role in the world of education, especially higher education, although there is still debate about the position of students as customers, but it is believed that the quality of service in higher education plays an important role in ensuring the survival of a university. The purpose of this study was to determine the effect of higher education service quality on the satisfaction and loyalty of FEBP UNHI students. The model of higher education service quality used in this study is HEdPERF which consists of five dimensions namely academic aspects, non-academic aspects, reputation, access, and program issues. The sample used was 119 students from management and accounting study programs with simple random sampling technique, and the analysis technique used was path analysis. The results obtained were (1) HEdPERF had a positive but not significant effect on student loyalty, (2) HEdPERF had a positive and significant effect on student satisfaction, (3) satisfaction had a positive and significant effect on student loyalty, and (4) satisfaction mediated the effect of HEdPERF on student loyalty.


2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Dexter Paul D. Dioso

This mixed methods sequential explanatory research examined the extent of compliance with the Policies and Guidelines on Student Affairs and Services.  The instrument was adapted from the framework of the Philippine Commission on Higher Education CMO 9, series of 2013.  The results revealed a high extent of compliance where the provisions of Student Affairs and Services are complied moderately extensive and are functioning well. There was no significant difference in the assessments between the implementers and recipients. Student affairs and services addressed the needs and interests of the students through the quality of service delivery and the opportunities to develop their academic and extra-curricular interests. They provided opportunities for the conduct of activities, discipline, and other services that promote a positive learning environment and the formation of values. The result of the study was the basis for the Management Development Program to attain the best quality of academic support services.


2020 ◽  
Vol 18 (2) ◽  
Author(s):  
Velibor Srdić ◽  
Milan Nešić ◽  
Sanel Jakupović

In order to validate the research instrument used to identify student perceptions of the quality of service provided by higher education institutions in the Republika Srpska-(Pan-European Apeiron University in Banja Luka, University of Banja Luka, University of East Sarajevo, Prijedor College of Medicine and University of Business Studies Banja Luka) (within a broader empirical study), its metric characteristics were determined. In our study, respondents expressed their estimation by choosing one of the positions on a five-point Likert scale. The numerical values of the ordinal scale arranged in this way corresponded to the intensity of the assessment of thirty service indicators, namely: 1 (much less than my expectations); 2 (less than my expectations); 3 (according to my expectations); 4 (more than my expectations); 5 (significantly more than my expectations). The value evaluation of the response is interpreted in accordance with the rule: (a) the perception of the quality of service “as expected” (if the scalar average is close to the quantitative value of three), (b) the perception of the quality of the service “below expectations” (when the scalar average is well below quantitative values of three), (c) perception of service quality “above expectations” (if it is a scalar average well above quantitative value of three) (Klarić & Kulišan, 2011). Also, in order to rank the importance of indicators, in manifest space, values of scalar averages (Mean) are used in interpretation (Nešić et al., 2017).The questionnaire, based on the HEDUQUAL scale, was tested using two procedures: (1) factor analysis (Principal Components Analysis, Direct Oblimin) and (2) Scale Reliability Analysis - based on Cronbach’s alpha coefficient). The sample of respondents consisted of a population of students attending one of the higher education institutions in the Republika Srpska, a total of 863 students (M = 265; F = 598) with an average age of 21.5 years. The results obtained confirm the good metric of the scale, both in terms of validity (KMO = 0.972; Bartlett’s Test of Sphericity = 14292.613; Sig. = 0.000) and in the context of its reliability (Cronbach’s Alpha = 0.966). All statistical inferences were conducted at a significance level of 0.05 (Sig. <, 05). The good metric characteristics of the instrument defined the quality basis for further analytical observations of the study results.Based on good metric characteristics obtained in this part of the study (whose task was to validate the survey questionnaire), it is reasonable to expect that, in continuing the analytical examination of the empirical results of the study, the research conclusions can be reasonably based on accurate and academically correct statistical background. Which is a prerequisite for the correct dissemination of the information obtained and, accordingly, a scientifically correct interpretation of the overall results of the study.


1992 ◽  
Vol 1 (1) ◽  
pp. 19-25 ◽  

In order to provide the highest quality of service to clients, careers practitioners must be well informed about what is happening in their own and related sectors. In view of the proliferation of reports and events relevant to careers practitioners in Australia in recent years, it was agreed that the Inaugural edition of the Journal should provide sector overviews. To this end, Col McCowan has written for the secondary sector, Bill Hall provides a TAFE perspective and Steve Rawlings writes from a Higher Education focus. All three provide a summary of the reports and implications for practice.


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