scholarly journals DIGITAL BANKING DAN RISIKO OPERASIONAL (STUDI KASUS PADA NASABAH BANK CENTRAL ASIA DAN BANK RAKYAT INDONESIA)

2021 ◽  
Vol 2 (1) ◽  
pp. 1-20
Author(s):  
Rizki Hartanto Tanic ◽  
Apriani Dorkas Rambu Atahau
Keyword(s):  
Central Asia ◽  
Technological Development ◽  
Descriptive Analysis ◽  
Test Validity ◽  
Operational Risk ◽  
Internet Banking ◽  
Quantitative Descriptive Analysis ◽  
Banking Services ◽  
Operational Risks ◽  
Financial Transactions

Along with the development of the internet which has followed the rapid advances in technological development, people need fast and efficient payments due to the increasing number of financial transactions. Internet banking is one of the digital banking of the bank products that facilitate financial transactions. However, the use of internet banking cannot be separated from operational risks that will occur. As one of bank risks, operational risk plays an important role toward the im-plementation of digital banking. Hence, it is important to study the customer percep-tion on banks operational risk in providing digital banking services. The population in the study were customers of Bank Central Asia and Bank Rakyat Indonesia who used internet banking services. The samples taken in this study were 100 respon-dents from Bank Central Asia and 100 respondents from Bank Rakyat Indonesia in the area and the technique used was purposive sampling. The analysis technique used is quantitative descriptive analysis. This analysis included the average differ-ence test, validity test, and reliability test. It was processed using the SPSS program version 20. The findings showed that both banks had low operational risks according to their surveyed customers. Although BCA was perceived to have lower operational risks than BRI, some areas such as system risks needed more attention.

scholarly journals The Factors Affecting the Adoption of Online Banking Services by Civil Servants in Cameroon

2020 ◽  
Vol 5 (7) ◽  
pp. 1452-1459
Author(s):  
Lith Enestine Tembon Ambit
Keyword(s):  
Customer Service ◽  
Descriptive Analysis ◽  
Internet Banking ◽  
Online Banking ◽  
Civil Servants ◽  
Banking Services ◽  
Factors Affecting ◽  
Insignificant Effect ◽  
Internet Fraud ◽  
Banking Service

Factors affecting the adoption of online banking services by civil servants in Cameroon was examined in this survey. Raw data were gotten through questionnaire which was distributed mostly among the civil servant in Douala of Cameroon. The analyses used in this survey were crosstabs test, descriptive analysis, factor analysis, correlation test, and regression test. The findings revealed that awareness factor has a positive and significant effect on online banking, security & trust assurance showed a negative and insignificant effect on online banking service, innovative factor displayed a negative and insignificant effect on online banking service, and customer service assurance revealed positive but has insignificant impact on online banking service. It was concluded that internet banking is difficult to understand and its time consuming among many of the users and internet fraud discourages the use of internet banking in Cameroon. Additionally, the dissemination of information through the internet is not mostly secure and efficient.

scholarly journals Estimation of Maximum Potential Losses for Digital Banking Transaction Risks Using the Extreme Value-at-Risks Method

Risks ◽  
2022 ◽  
Vol 10 (1) ◽  
pp. 10
Author(s):  
Moch Panji Agung Saputra ◽  
Sukono ◽  
Diah Chaerani
Keyword(s):  
Risk Management ◽  
Operational Risk ◽  
Threshold Value ◽  
System Failures ◽  
Operational Risks ◽  
Data Value ◽  
Kolmogorov Smirnov ◽  
Potential Risks ◽  
Potential Losses ◽  
Financial Transactions

The application of industry 4.0 in banking presents many challenges, with several operational risks related to downtime and timeout services due to system failures. One of the operational risk management steps is to estimate the value of the maximum potential losses. The purpose of this study is to estimate the maximum potential losses for digital banking transaction risks. The method used for estimating risks is the EVaR method. There are several steps in this study. The first step is to resample the data using MEBoot. This process is a simulation of the operational risk loss data of digital banking. Next, the threshold value is determined to obtain the extreme data value. Then, a Kolmogorov–Smirnov test is conducted to fit the data with the GPD. Afterward, the GPD parameter is estimated. Then, EVaR is calculated using a portfolio approach to obtain a combination of risk values as maximum potential losses. The analysis results show that the maximum potential loss is IDR144,357,528,750.94. The research results imply that the banks need to pay attention to the maximum potential losses of digital financial transactions as a reference for risk management. Therefore, banks can anticipate the adequacy of reserve funds for these potential risks.

scholarly journals ANALISIS ADOPSI LAYANAN INTERNET BANKING OLEH NASABAH PERBANKAN DI PEKANBARU (Technology Acceptance Model) Eni Noviarni

2017 ◽  
Vol 10 (1) ◽  
pp. 26
Author(s):  
Eni Noviarni
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Descriptive Analysis ◽  
Internet Banking ◽  
Ease Of Use ◽  
Banking Services ◽  
Spss Software ◽  
Acceptance Model ◽  
Internet Banking Services ◽  
The City

This study aims to analyze the factors that affect adoption of internet banking services by bank customers in the city of Pekanbaru to approach the Technology Acceptance Model (TAM). The research method is a survey with    descriptive analysis approach. Data processed and analyzed with statistical models using mul tiple regression help of a computer using SPSS software version 17.Conclusion of this study indicate that the magnitude of usefulness, ease of use, awareness, risk and social influences affect the adoption of Internet banking by bank customers in Pekanbaru.

Institutionalizing Operational Risk Management: An Empirical Study

2014 ◽  
Vol 29 (1) ◽  
pp. 59-72 ◽  
Author(s):  
Carol Hsu ◽  
James Backhouse ◽  
Leiser Silva
Keyword(s):  
Risk Management ◽  
Financial Institution ◽  
Technological Development ◽  
Operational Risk ◽  
Structuration Theory ◽  
Management Approach ◽  
Operational Risk Management ◽  
Operational Risks ◽  
Role Of It

This paper examines the development of operational risk management (ORM) in a financial organization, focusing in particular on the role of IT in institutionalizing the new regime. Through an interpretive case study in a major US financial institution, the paper uses Giddens’ structuration theory to examine how it adjusts to the demands of protecting itself against new operational risks. The discussion and results of our study are expressed in three propositions: (1) the regulatory context and technological development affect the shape and the outcome of ORM; (2) implementing ORM is a process of reflexive monitoring and transforming organizational practices in a financial institution; (3) the role of IT in ORM is contingent on the extant organizational structure and on the choice of risk management approach.

scholarly journals Factors Driving the Adoption of E-banking Services Based on the UTAUT Model

2019 ◽  
Vol 14 (6) ◽  
pp. 43
Author(s):  
Gladys Chikondi Daka ◽  
Jackson Phiri
Keyword(s):  
Financial Services ◽  
Descriptive Analysis ◽  
Cost Effective ◽  
Internet Banking ◽  
Banking Services ◽  
Utaut Model ◽  
Internet Portal ◽  
Intention To Adopt ◽  
Marketing Tool ◽  
Facilitating Conditions

E-banking has become one of the most popular methods that has experienced considerably great attention in the financial services studies in the last few years. E-banking enables customers of the bank to conduct a range of financial services via the internet portal. It provides a solution in driving formal banking services uptake in the most cost-effective way, it has great benefits to both the customers as well as the banks i.e. convenience, cost reduction, ease and is an effective marketing tool. This research was conducted to determine the underlying factors that drive the adoption of e-banking services based on the UTAUT model and to recommend solutions that will address the identified underlying factors. A baseline study involving 313 respondents was undertaken with the sample consisting of Clients from the top five (5) banks in Zambia with the best digital capabilities. Questionnaires were administered to these Clients through purposive sampling to get information on their views on Internet banking services. Data was analysed using SPSS descriptive analysis. The results of the study revealed that the UTAUT factors; performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC) and behaviour intention (BI) have a significant impact in the adoption of e-banking services. Social influence (SI) was non-significant to the user’s intention to adopt e banking services.

scholarly journals Risks of Banking Services’ Digitalization: The Practice of Diversification and Sustainable Development Goals

2020 ◽  
Vol 12 (10) ◽  
pp. 4040
Author(s):  
Francisco Zabala Aguayo ◽  
Beata Ślusarczyk
Keyword(s):  
Sustainable Development ◽  
Risk Management ◽  
Operational Risk ◽  
Banking Services ◽  
The Sustainable Development ◽  
Operational Risks ◽  
External Risk ◽  
Diversification Management ◽  
The Right ◽  
The Impact

The study aims to investigate threats that might occur in diversification management, operational risks of banking services in the process of digitalization, as well as the impact on customers and banks. The right choice of a risk management model for a bank plays an important role in the sustainable development of competitiveness and the transformation of banking activities in the future. This work assesses bank risks and determines information risks in relation to the total capital of Santander Bank of Spain. The authors adapted an operational risk management (ORM) model to minimize the risks of the bank’s digitalization and upcoming operational risks. The ratio of the total operational risk to the total bank’s capital was 0.65%, which is below the permissible minimum value and is acceptable. Based on this indicator, diversification of business risks can be applied. As a result of the study, the total value of operational risks was calculated and the acceptability of this indicator to the capital of Santander Bank was assessed, which allowed the authors to assess whether the value was critical. In addition, it was also revealed that the main external risk of Santander Bank in 2018 was fraud in the use of online payments. The results might help to more effectively evaluate insurance payments for identified operational risks and effectively make decisions and optimize reporting documents of banks.

scholarly journals Use of sugar apple, atemoya and soursop for technological development of jams: chemical and sensorial composition

2012 ◽  
Vol 36 (5) ◽  
pp. 560-566 ◽  
Author(s):  
Daniela Castilho Orsi ◽  
Vania Silva Carvalho ◽  
Adriana Cândida Faustino Nishi ◽  
Clarissa Damiani ◽  
Eduardo Ramirez Asquieri
Keyword(s):  
Chemical Composition ◽  
Technological Development ◽  
Descriptive Analysis ◽  
Soluble Solids ◽  
Composition Analysis ◽  
Quantitative Descriptive Analysis ◽  
Nutritional Values ◽  
Overall Acceptability ◽  
Quantitative Descriptive ◽  
Hedonic Scale

Sugar apple, atemoya and soursop are tropical fruits very prized for their pleasant, aromatic and distinctive flavor. In this work, the fresh fruits pulps had high nutritional values, since they contain significant levels of carbohydrates. The results for the analysis of chemical composition of the fresh fruits pulps obtained for sugar apple, atemoya and soursop were respectively: moisture (79.65, 77.06 and 85.30 g.100 g-1), carbohydrates (20.52, 22.01 and 13.83 g.100 g-1), total sugars (19.57, 21.93 and 10.12 g.100 g-1) and soluble solids (22.00, 25.10 and 12.83 ºBrix). With the aim of processing the pulps of ripe fruits to add value to these fruits, jams have been developed. The results for the chemical composition analysis of sugar apple, atemoya and soursop jams were respectively: moisture (26.23, 27.94 and 21.52 g.100 g-1), carbohydrates (73.05, 71.44 and 77.83 g.100 g-1), pH (3.41, 3.34 and 3.41) and soluble solids (63.00, 65.00 and 68.60 ºBrix). The jams were subjected to Quantitative Descriptive Analysis. A total of 12 trained panelists evaluated the attributes flavor, consistency, appearance and overall acceptability of the jams on a 9-point hedonic scale. Based on sensory evaluation, jams presented a good overall acceptability and atemoya jam was the most preferred by the panelists.

scholarly journals Determinants of Consumer’s Intention to Use Mobile Banking Services in Bangladesh

2020 ◽  
pp. 31-44
Author(s):  
Israt Jahan ◽  
Tapas Bala ◽  
Kamrul Hasan Bhuiyan
Keyword(s):  
Hypothesis Test ◽  
Mobile Network ◽  
Internet Banking ◽  
Adoption Process ◽  
Mobile Banking ◽  
Banking Services ◽  
Adoption Decision ◽  
Mobile Cellular ◽  
Promising Application ◽  
Financial Transactions

Mobile banking is known as one of the latest as well as promising application of mobile commerce with great mobility and flexibility for the completion of financial transactions with the help of mobile communication devices.In today’s perspective, electronic banking, internet banking and mobile banking are considered as the buzzword as 4.5 billion mobile cellular subscriptions worldwide is estimated and mobile network has the capability to instantaneously offer mobile banking to 61% of total population. For both developed and developing countries the increase of adoption rate in Mobile banking shows the strong potential rate of growth. In today’s perspective adoption decision of consumers may be influenced by several factors. A quantitative approach has been taken to measure the determinants and anticipate their correlation through convenient sampling by the statistical analysis of ANOVA and Regression Analysis. The authors have also gone through seven hypothesis test. For this paper six major determinates have been explored in order to understand the consumer’s adoption process.

Strategi Pengembangan Kelompok Wanita Tani pada Optimalisasi Lahan Pekarangan di Desa Wonogiri

2018 ◽  
Vol 1 (1) ◽  
pp. 34-43
Author(s):  
Nindy Danisa Wulandari
Keyword(s):  
Government Regulation ◽  
Descriptive Analysis ◽  
Development Strategies ◽  
Women Farmers ◽  
Quantitative Descriptive Analysis ◽  
Self Reliance ◽  
The Government ◽  
Quantitative Descriptive ◽  
The One ◽  
Purposive Sample

Development of food security implemented to meet the human basic needs that provide benefits fairly and equitably based on self – reliance, and not contrary to public faith. Referring to the government regulation No 22 of 2009 concerning Food Consumption Diversification Acceleration (P2KP). However, it is not supported by the development of women farmers. The method use in this research is quantitative descriptive analysis using SWOT (Strength, Weakness, Opportunity and Treath). The samples in this study is the purposive sample. Result of a study showed the amount of income earned from the group of women farmers in the one month is 150,000/ members. Proper development strategies used in the development strategies used in the development KWT Melati is a Growth Oriented Strategy is very profitable strategy to seize opportunities with the strength. Pembangunan ketahan pangan dilaksanakan untuk memenuhi kebutuhan dasar manusia yang memberikan manfaat secara adil dan merata berdasarkan kemandirian, dan tidak bertentangan dengan keyakinan masyarakat. Mengacu pada Peraturan Pemerintah No 22 Tahun 2009 mengenai Percepatan Penganekaragaman Konsumsi Pangan (P2KP). Namun, hal ini tidak didukung dengan adanya pengembangan kelompok wanita tani. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan menggunakan analisis SWOT (Strength, Weakness, Opportunity and Treath). Penentuan sampel dalam penelitian ini adalah dengan sampel purposive. Hasil penelitian menunjukan besaran pendapatan yang diperoleh dari adanya kelompok wanita tani dalam satu bulan adalah Rp.150.000/bulan/anggota. Strategi pengembangan yang tepat digunakan dalam pengembangan Kelompok Wanita Tani (KWT) Melati adalah Growth Oriented Strategy.

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