Electronic Banking as a Strategy for Customer Service Improvement in the Developing Economy

2010 ◽  
pp. 34-45
Author(s):  
Asma Mobarek
Keyword(s):  
Customer Service ◽  
Rural Areas ◽  
Developing Economies ◽  
Developed Countries ◽  
The Other ◽  
The Internet ◽  
Service Improvement ◽  
Developing Economy ◽  
Banking Services ◽  
Maximum Benefit

The objective of the chapter is to present a brief review of E-banking services especially in the developing economies, highlighting the major challenges of E-banking with a guideline or recommendations to address those challenges. Technology has introduced new ways of delivering banking to the customer. Developed countries (DC) customers of the E-Banking services are fully aware of the services but the customer’s in the developing economies still lag behind. It is clearly seen that delivery channels are lacking in meeting the demands of the customer by not making them aware of e-banking and using obsolete or not too up-to-date technology. I would thus conclude that banks in the developing countries should drown themselves in all the intricacies regarding e-banking to determine ways that will affect the customers in and use it to their maximum benefit. The other issue is that there are very few or no banking facilities in the rural areas and furthermore, access to the internet is close to impossible in these areas therefore awareness and utilization of these services is very little or none at all. At last but not the least is that Banks must adapt to the electronics age. Consumers demand it. Economics drives it. Banks must exploit it.

scholarly journals Relative Earnings and Manpower Allocation in Developing Economies

1969 ◽  
Vol 9 (1) ◽  
pp. 14-34 ◽  
Author(s):  
Lloyd G. Reynolds
Keyword(s):  
Economic Growth ◽  
Subject Matter ◽  
Structural Changes ◽  
Developing Economies ◽  
Developed Countries ◽  
The Other ◽  
Labour Economics ◽  
Economic Behaviour ◽  
Agriculture Industry ◽  
Starting Point

The less developed countries (LDC) present two kinds of challenge to economists. First, they invite us to develop hypotheses about how economic growth begins and about structural changes during the early decades of growth. Second, they provide a fresh terrain on which specialists in particular subject-matter areas can test accepted notions about economic behaviour. For investigations in labour economics, the structure of earnings provides a convenient starting point. (It is best to say "earnings" rather than "wages" because most workers in the LDC's are self-emplqyed.) Analysis of earnings requires an examination of manpower supplies and requirements. This leads into the economics of agriculture, industry, government, and other labour demanding sectors on one side, and into a study of education and other skill-producing agencies, on the other. Thus by starting with the earnings structure, one is led rather directly into the heart of the economy.

E-Government and Public Service Delivery

2013 ◽  
pp. 311-327
Author(s):  
Hisham M. Abdelsalam ◽  
Christopher G. Reddick ◽  
Hatem A. ElKadi ◽  
Sara Gamal
Keyword(s):  
Public Opinion ◽  
Public Services ◽  
Developed Countries ◽  
The Other ◽  
The Internet ◽  
Public Opinion Survey ◽  
Information Confidentiality ◽  
Use Of The Internet ◽  
Government Portal ◽  
Emerging Democracy

This chapter aims to better understand what citizens think regarding the currently available e-government public services in Egypt. This is done through an analysis of a public opinion survey of Egyptian citizens, examining citizens’ use and associated issues with usage of e-government portals. This chapter is different from existing research in that most of the studies that examine e-government and citizens focus on developed countries. This study focuses on a developing country, Egypt, as an emerging democracy, which has very unique and important challenges in the delivery of public services to its citizens. The results revealed that only gender, daily use of the internet, and the desire to convert all of the services to electronic ones were important factors that affected the use of the Egyptian e-government portal. On the other hand, age, education, trust in information confidentiality on the internet, and believing in e-government did not play any role in using e-government.

E-Government and Public Service Delivery

2015 ◽  
pp. 1563-1579
Author(s):  
Hisham M. Abdelsalam ◽  
Christopher G. Reddick ◽  
Hatem A. ElKadi ◽  
Sara Gamal
Keyword(s):  
Public Opinion ◽  
Public Services ◽  
Developed Countries ◽  
The Other ◽  
The Internet ◽  
Public Opinion Survey ◽  
Information Confidentiality ◽  
Use Of The Internet ◽  
Government Portal ◽  
Emerging Democracy

This chapter aims to better understand what citizens think regarding the currently available e-government public services in Egypt. This is done through an analysis of a public opinion survey of Egyptian citizens, examining citizens' use and associated issues with usage of e-government portals. This chapter is different from existing research in that most of the studies that examine e-government and citizens focus on developed countries. This study focuses on a developing country, Egypt, as an emerging democracy, which has very unique and important challenges in the delivery of public services to its citizens. The results revealed that only gender, daily use of the internet, and the desire to convert all of the services to electronic ones were important factors that affected the use of the Egyptian e-government portal. On the other hand, age, education, trust in information confidentiality on the internet, and believing in e-government did not play any role in using e-government.

From Reluctance to Resistance

2013 ◽  
Vol 4 (4) ◽  
pp. 41-56
Author(s):  
Edwin Agwu
Keyword(s):  
Supply And Demand ◽  
Banking System ◽  
Developed Countries ◽  
Internet Banking ◽  
Study Data ◽  
Academic Community ◽  
The Internet ◽  
Banking Services ◽  
The Uk ◽  
Internet Banking Services

The internet banking services is an innovative financial transaction channel that has assumed a new urgency and relevance in today's world of business. The developed countries have embraced these services with little difficulty while the developing countries are beginning to see the benefits. The objective of this research hinged on the exploration of the supply and demand of internet banking services in the United Kingdom with special emphasis on three cities: London, Birmingham and Manchester. The study primarily probed into the extent to which the internet banking services has been adopted in the three major cities of the UK – London, Birmingham and Manchester. Secondly, it looked at the factors that are driving this adoption and thirdly, the reasons for non-usage by some segments of the selected regions. The consumer resistance theory by Ram and Sheth (1989) was therefore used as a framework of the study. As the focus is to ascertain the reasons for non-usage, and based on this framework, the following divisions were arrived at based on the non-users: 1) those that intends to use the services and 2) those that have no intention to use the services. The study data shows that there are significant differences based on the reluctant/resistance paradigm. The reluctant group falls into those that want to use but have not wholly made up their minds to do so while the resistance groups are those that have no intention of using the internet banking system at all. The study in a nutshell, provides financial managers and the academic community with a tool to engage these non-users through product designs and promotions.

Shrinkage of Rural Areas as a Result of Urbanization and Migration Processes in Mexico

2019 ◽  
pp. 956-974
Author(s):  
José G. Vargas-Hernández
Keyword(s):  
Economic Growth ◽  
Rural Areas ◽  
Critical Analysis ◽  
Developed Countries ◽  
Developing Economy ◽  
Shrinking Cities ◽  
Shrinkage Process ◽  
Shrinking Process ◽  
Migration Flows ◽  
And Migration

The study of tendencies in economic and environmental shrinkage is tied to the expressions of substantive changes in complexity of determinant contexts of internal and migration flows. This chapter answers the challenges posed by economic tendencies, using the theories and models and does not fall victim to simplistic projections and conjectures and theories based more in speculation than in fact. The method used is the critical analysis of economic, social, and political tendencies in relation to the situation of shrinking cities in Mexico. The results of this analysis led to the finding that the shrinkage process in Mexico, as a developing economy, does not follow the same patterns of well-developed countries, and an increase in shrinking cities has occurred since the middle of the 1950s and the use of incentives in some localities to attract economic growth have had modest success in turning around the shrinking process.

Mobile Phones, Developing Countries and Learning

2011 ◽  
pp. 120-137
Author(s):  
Elba del Carmen Valderrama Bahamóndez ◽  
Albrecht Schmidt
Keyword(s):  
Developing Countries ◽  
Mobile Phones ◽  
Learning Process ◽  
Internet Access ◽  
Developed Countries ◽  
The Other ◽  
The Internet ◽  
Developing Regions ◽  
The World ◽  
Educational Applications

The Internet and computers are accessible to only half of the population in the world. For the other half, computers and the Internet are almost alien concepts. This half has no medium for gathering information, and they are computer illiterate. In addition, it is well-known, that the use of computers and the Internet, directly and indirectly, enhance the learning process. Therefore, students from under privileged areas of developing regions of the world are, clearly, at a disadvantage compared to their peers in developed countries. However, mobile phones could change this situation. In developing countries, mobile phones are far more accessible than computers or Internet access. This high accessibility together with the multiple functionalities of mobile phones, allow for the potential to build feasible educational applications that enhance the learning experiences of students in developing countries. Such opportunities enable the students’ experiences to be made proportionate to the other half of the world, with a real mechanism for gathering information.

Adopting the Internet in Urban China

2021 ◽  
Author(s):  
Jianbin Jin ◽  
Xiaoxiao Cheng ◽  
Jing Yang ◽  
Hui Wang
Keyword(s):  
Information And Communication Technologies ◽  
Large Scale ◽  
Developing Economies ◽  
Social Systems ◽  
Social Process ◽  
Developed Countries ◽  
Urban China ◽  
The Internet ◽  
Internet Adoption ◽  
Theoretical Approaches

This century is marked by a burgeoning information society around the globe; accordingly, the adoption and use of information and communication technologies (ICTs) in general and the Internet in particular have been one of the most fruitful domains in the broader field of communication sciences. The observed persistent academic interest can, to a large extent, be attributed to the polymorphic nature of ICTs of various modalities, functioning as ICTs technology clusters and/or meta operating systems that accommodate numerous technologies, functions and applications. Beyond that, ICTs or Internet adoption is reflective of a social process of development, during which the informational mode of development is interwoven with other social systems and varies across diverse social settings. Most existing empirical research and theoretical approaches have overwhelmingly focused on the Internet adoption in developed economies, but in-depth investigations on the developing economies such as China are scarce, if any. Compared to most developed countries, China’s informatization-urbanization model marks a unique path of modernization, which further provides a huge opportunity to build momentum for the rapid and large-scale Internet adoption in urban China. In order to present a whole-range holistic portrait of China’s Internet development, the intrinsic logics and social outcomes of China’s informatization-urbanization model necessitate in-depth investigations.

scholarly journals Online-Based Learning Problematics Between Needs, Readiness And Implications On The Purity Of Learning Outcomes

2020 ◽  
Vol 1 (3) ◽  
pp. 103-109
Author(s):  
Eddy Saputra
Keyword(s):  
Distance Learning ◽  
Learning Outcomes ◽  
Developed Countries ◽  
Electronic Media ◽  
Great Distance ◽  
The Other ◽  
The Internet ◽  
Learning Needs ◽  
Learning Methods ◽  
Technological Infrastructure

ABSTRACT Online-based learning has been long echoed, online-based learning methods also have been implemented in several developed countries. In Indonesia it's self this method was already known as PJJ (distance learning). Does online based learning a necessity for students and teachers, while students and parents do not fully understand technology. then how the readiness technological infrastructure which includes the internet network, smartphones and laptops to support this learning, from the school and students. With the great distance between students and teachers, could online-based learning methods produce purity of learning outcomes. This paper will use qualitative methods, where data will be generated through observation, interviews and information from print and electronic media. The purpose of this paper is to map the problem of online base learning. at least, where one side of this method must be applied because of the pandemic period, on the other hand this method will not run optimally when conditions are normal. Keywords: online based learning, needs, purity of learning outcomes

scholarly journals DSGE MODELING IN THE FOCUS OF FISCAL AND MONETARY ISSUES

2021 ◽  
Author(s):  
Serhii Shvets ◽  
Keyword(s):  
Economic Policy ◽  
Driving Forces ◽  
Developing Economies ◽  
Public Investment ◽  
Developed Countries ◽  
Developing Economy ◽  
Limited Mobility ◽  
Dynamic Stochastic ◽  
Low Efficiency ◽  
Dsge Modeling

Due to the intensification of the economic crisis in the late 20th – early 21st, fiscal and monetary issues have activated an impressive discourse, which became the prominent markers of helpful research engines for supporting sustainable development in the face of increasing debt burden. One of the most effective scenario modeling methods for implementing economic policy is the Dynamic Stochastic General Equilibrium (DSGE) model. The global practice in operating with such a tool is focused mainly on developed countries, while developing economies have significant differences and require notable adjustments. The goal of the presented study is to highlight the exercise of solving fiscal and monetary issues using a DSGE modeling toolkit for a developing economy. An incomplete list of proven features of DSGE modeling for a developing economy regarding the solution of fiscal and monetary issues includes: a high proportion of non-Ricardian consumers, forced unemployment, limited competition in the labor market, a significant volume of remittances, low efficiency and high capital return of public investment, low degree of home bias, smoothing crowding-out effect, financial repressions, limited mobility in the international capital market, lack of clear and transparent rules, and overruled fiscal and monetary spaces. In the context of the fiscal and monetary study, problematic issues of DSGE modeling are not limited only to the difficulties of theoretical and technical solutions. With the gradual elimination of barriers between the sectors in the world economy due to global transformations, the driving forces of growth require reviewing the anti-crisis management toolkit. Taking into account the progressive technological shifts in the field of information transmission and processing, the solution of the listed problematic issues related to the theoretical and technical support of DSGE modeling for a developing economy adds a new definition to the powerful hardware tool that reproduces specific scenario conditions for assessing the consequences of economic policy implementations.

The developing in the developed

2017 ◽  
Vol 18 (1) ◽  
pp. 36-46 ◽  
Author(s):  
Yanay Farja ◽  
Eli Gimmon ◽  
Zeev Greenberg
Keyword(s):  
Mixed Method ◽  
Rural Areas ◽  
Employment Growth ◽  
Developing Economies ◽  
New Ventures ◽  
Developed Countries ◽  
Business Owners ◽  
Rural Regions ◽  
Depth Interviews ◽  
Method Approach

This study explores differentiating factors in employment growth between young small and medium-sized enterprises in rural regions and their application in developing economies. We applied a mixed-method approach, including a survey of 155 new ventures in Israel, an economy whose rural regions exhibit similarities to those of less developed countries, and 10 in-depth interviews with academics and practitioners. The results suggest that the economic development of rural areas through the cultivation of entrepreneurship should be carried out by providing potential business owners with two resources that are scarcer in these areas: funding and knowledge.

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