Internet Banking Strategy in a Highly Volatile Business Environment

2010 ◽  
pp. 64-100 ◽  
Author(s):  
Abel E. Ezeoha
Keyword(s):  
Banking System ◽  
Research Direction ◽  
Internet Banking ◽  
Business Environment ◽  
Future Research ◽  
Online Business ◽  
Global Nature ◽  
Banking Strategy ◽  
High Degree ◽  
Nigerian Banking

Internet banking strategy can be generally very challenging, but more challenging in an economic environment infested with high degree of corruption, insecurity, bad governance, poverty, and financial system instability. Due to its global nature, Internet banking, under such situation, is threatened by the easiness at which off-line crimes are transmitted into online businesses, and the difficulty in building trusts and confidence in online business relationships. Using the Nigerian case, this chapter aims at establishing some theoretical link between offline country image and Internet banking reputation. The chapter summarizes the structural and regulatory challenges in the Nigerian banking system. It represents and relates the country’s socioeconomic conditions with its Internet business reputation; and lays down past regulatory and global efforts to control the menace of the Nigerian version of Internet frauds. The last two sections of the chapter, respectively, suggest some future research direction and conclude the chapter.

Consumer Acceptance of Internet Banking

2017 ◽  
pp. 42-56 ◽  
Author(s):  
Fandy Boy Haking ◽  
Chee Hou Chin ◽  
Azan Shah Ambo Abdul Raoff ◽  
Mohd Rahmat Masri Kahar ◽  
Jeffry Benjamin ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Financial Institution ◽  
Banking System ◽  
Sampling Technique ◽  
Analysis Data ◽  
Internet Banking ◽  
Hierarchical Regression ◽  
Future Research ◽  
Use Of Technology ◽  
Internet Banking System

The purpose of this research is to investigate the main factor that influences the usage of internet banking in Malaysia. This study applies the concept of Unified Theory of Acceptance and Use of Technology (UTAUT) in internet banking context. This research implements hierarchical regression for All the bank company should be alert in customer satisfaction for their system and not just focus for the profit. The framework will be useful for bank to improve their system to more systematic and efficient. data analysis. Data was collected from 210 students of public higher learning institution in Federal Territory of Labuan, Malaysia via convenience sampling technique. The result of this study give impacts towards the future research in technology acceptance. The empirical results will be useful for financial institution or bank in order to improve the internet banking system that they currently used.

scholarly journals DEVELOPMENT AND CHARACTERIZATION OF SURFACE-MODIFIED NANOPARTICLES USING FLUORINE-BASED CHEMICALS

2020 ◽  
Vol 2 (1) ◽  
pp. 12-16
Author(s):  
Kenny Ganie ◽  
Dzeti Farhah Mohshim ◽  
Ismail Mohd Saaid ◽  
Wan Rosli Wan Sulaiman ◽  
Ahmad Kamal Idris
Keyword(s):  
Chemical Treatment ◽  
Research Direction ◽  
Wettability Alteration ◽  
Future Research ◽  
Future Research Direction ◽  
Surface Modified ◽  
Coating Agents ◽  
High Degree ◽  
Surface Modified Nanoparticles

Scientist have been using chemical treatment to alter the wettability of near wellbore region for condensate banking removal. However, this technique performed unsatisfactorily as the chemical treatment only reduce the surface free energy without modifying the surface roughness and affects the gas relative permeability negatively. Hence, in the present study, an alternative surface-modified nanoparticle using fluorine-based chemicals was developed as a new wettability alteration agent since fluorine exhibits high degree of water and oil repellency. The new wettability alteration agent was evaluated based on FTIR, DLS and TGA characterization. The results show that the surface of nanoparticles has been modified with fluorine-based chemicals coating and this is proven from: FTIR spectra with new peaks observed; DLS characterization with incremental size of surface-modified nanoparticles; and TGA with decomposition rate of coating agents. Implications of the results will path the way for future research direction in using fluorine-surface-modified-nanoparticles as a wettability alteration agent.

Financing the Sustainable Development Agenda Goals

2020 ◽  
pp. 57-71
Author(s):  
Bernardo Ivo-Cruz ◽  
Sónia Ribeiro
Keyword(s):  
Sustainable Development ◽  
Private Sector ◽  
Risk Mitigation ◽  
Banking System ◽  
Business Environment ◽  
International Community ◽  
Future Research ◽  
The Sustainable Development ◽  
Development Agenda

The 2030 Agenda is comprehensive, universal, and ambitious. To reach its goals, the world needs to invest US$5 to 7 trillion/year. To finance it, the private sector must be involved. This chapter considers the motivations of business and corporations to incorporate the SDG in their investment agenda and the role DFIs can play in providing financing to their projects. It acknowledges that the private sector is a key element for long-term sustainable development and highlights the difficulties of DFI in assessing impact in risk analysis and therefore financing private investments for sustainable development. Finally, it finds that the international community and developing countries need to work together to improve the business environment on those countries, and concludes that the international community and the banking system do not know how to assess the role and impact of business and corporations projects in the agenda, and that the risk mitigation policy does not consider the nature of DFIs. Looking into the future, the authors present future research topics needed on this subject.

Customer Analytics Capabilities in the Big Data Spectrum

2020 ◽  
pp. 1-17 ◽  
Author(s):  
Md Afnan Hossain ◽  
Shahriar Akter ◽  
Venkata Yanamandram
Keyword(s):  
Big Data ◽  
Research Direction ◽  
Business Environment ◽  
Vital Role ◽  
Future Research ◽  
Managerial Decision ◽  
Sustainable Business ◽  
Innovation Product ◽  
Customer Analytics ◽  
Analytics Capability

Customer analytics plays a vital role in generating insights from big data to improve service innovation, product development, personalization, and managerial decision-making; yet, no academic study has investigated customer analytics capability through which it is possible to achieve sustainable business growth. To close this gap, this chapter explores the constructs of the customer analytics capability by drawing on a systematic review of the literature in the big data spectrum. The chapter's interpretive framework portrays a definitional aspect of customer analytics, the importance of customer analytics, and customer analytics capability constructs. The study proposes a customer analytics capability model, which consists of four principal constructs and some important sub-constructs. The chapter briefly discusses the challenges and future research direction for developing the customer analytics capability model in the data rich competitive business environment.

scholarly journals Synthesis and Characterization of a New Surface-Modified Nanoparticle Using Fluoroalkanoic Acids as a Wettability Alteration Agent

2020 ◽  
Vol 2020 ◽  
pp. 1-9
Author(s):  
Kenny Ganie ◽  
Dzeti Farhah Mohshim ◽  
Ismail Mohd Saaid ◽  
Wan Rosli Wan Sulaiman ◽  
Ahmad Kamal Idris
Keyword(s):  
Silica Nanoparticles ◽  
High Surface ◽  
Research Direction ◽  
Wettability Alteration ◽  
Future Research ◽  
Chemical Treatments ◽  
Surface Modified ◽  
Liquid Repellency ◽  
High Degree ◽  
Surface Modified Nanoparticles

Previously, condensate banking removal in gas reservoir is mitigated using chemical treatments to alter the wettability of the near-wellbore region. However, this technique performed unsatisfactorily as it reduces the surface free energy and affects the gas relative permeability negatively. Hence, alternative surface-modified nanoparticles using fluorine-based chemicals were developed as wettability alteration agents since fluorine exhibits a high degree of liquid repellency and nanoparticles introduce high surface roughness. The newly synthesized surface-modified nanoparticles were characterized using FTIR, DLS, FESEM, and TGA. FTIR results highlight the characteristic absorption of Si-O-C group at peak 1105 and 1106 cm-1 in both fluoroalkanoic acids, demonstrating that fluorochemical molecules have been successfully coated onto silica nanoparticles. Nanoparticle sizes measured by DLS reported higher value than FESEM due to agglomeration, and the DLS measurement was done in hydrodynamic conditions. TGA analysis reveals decomposition at temperature between 100 and 150°C, indicating that these surface-modified nanoparticles can be utilized in an environment below 100°C. Higher decomposition was perceived on PFNA-modified nanoparticles as a thicker coating of PFNA is shrouding the silica nanoparticles compared to PFOA. Implications of the results will path the way for future research direction in using fluorine-based surface-modified nanoparticles as wettability alteration agents.

ECONOMIC GROWTH ANALYSIS: A STUDY ON MALAYSIAN MARKET

2019 ◽  
Vol 8 (2) ◽  
Author(s):  
Suhaily Maizan Abdul Manaf ◽  
Shuhada Mohamed Hamidi ◽  
Nur Shafini Mohd Said ◽  
Siti Rapidah Omar Ali ◽  
Nur Dalila Adenan
Keyword(s):  
Economic Growth ◽  
Foreign Direct Investment ◽  
Direct Investment ◽  
Inflation Rate ◽  
Government Expenditure ◽  
Correlation Method ◽  
Research Direction ◽  
Least Square ◽  
Future Research ◽  
Internal And External Factors

Economic performance of a country is mostly determined by the growth and any other internal and external factors. In this study, researchers purposely focused on Malaysian market by examining the relationship between export, inflation rate, government expenditure and foreign direct investment towards economic growth in Malaysia by applying the yearly data of 47 years from 1970 to 2016 using descriptive statistics, regression model and correlation method analysis. By applying Ordinary Least Square (OLS) method, the result suggests that export, government expenditure and foreign direct investment are positively and significantly correlated with the economic growth. However, inflation rate has negative and insignificant relationship with the economic growth. The outcome of the study is suggested to be useful in providing the future research direction towards the economic growth in Malaysia. Keywords: economic growth; export; inflation rate; government expenditure

An Analysis of Lexical Chunks in Online Business Letters (OBL) and Business Letter Corpus (BLC): A Corpus-Based Study

2020 ◽  
Vol 4 (2) ◽  
pp. 63
Author(s):  
Hairul Azhar Mohamad ◽  
Muhammad Luthfi Mohaini ◽  
Pavithran Ravinthra Nath
Keyword(s):  
Comparative Analysis ◽  
Sampling Method ◽  
Future Research ◽  
Frequent Type ◽  
Sentence Level ◽  
Lexical Collocations ◽  
Online Business ◽  
Lexical Density ◽  
Concordance Program ◽  
Corporate Business

This research investigated into the lexical density and frequencies of five types of lexical chunks located in 300 online business letters. Top 10 websites on business correspondence had been identified in terms of traffic visitors and bounce rate under one million web rankings worldwide. Criterion Sampling method was identified prior to extracting the sample letters from the websites. The data was then run with Antconc Concordance Program (ACP) for lexical density and frequency analysis. Top 15 lexical chunks in online business letters (OBL) were compared against those top 15 in Business Letter Corpus (BLC). Findings revealed that there was a total of 39 916-word tokens and 939 counts of lexical chunks found in this corpus. It was found that more lexical words do not imply more lexical chunks used in based on types of business letters.  All 5 types of lexical chunks were identified and ranked in descending order; Sentence Builders (SB) as the most frequent type, followed by Collocations (COL), Deictic locutions (DLs), Polywords (POLs) and Institutionalized Expressions (IUs) as the least frequent type of lexical chunk. Sub-divisional analysis indicated that Grammatical Collocations (GCs) were more common than Lexical Collocations (LCs). Majority of lexical chunks were formed more at sentence level than phrasal level. Comparative analysis between top 15 lexical chunks in OBL and BLC discovered that most top lexical chunks in online business letters are representative of those corporate business letters in BLC. Pedagogical implications in terms of the reliability of online business letters for academic reference and future research considerations are also addressed.

Islamic Banking in Nigeria: Issues and Prospects

2016 ◽  
Vol 4 (2) ◽  
pp. 34 ◽  
Author(s):  
Nuruddeen Abba Abdullahi
Keyword(s):  
Public Awareness ◽  
Banking System ◽  
Islamic Banking ◽  
Secondary Sources ◽  
Banking And Finance ◽  
Adequate Knowledge ◽  
Islamic Religion ◽  
Developmental Opportunities ◽  
The Subject ◽  
Nigerian Banking

The Nigerian banking reform precipitated the adoption of Islamic banking and finance in 2009 as additional door to banking mechanism in the country. However, the implementation of the Islamic banking or non-interest banking has generated a lot of debate, specifically because its foundations are based on Islamic religion. This paper briefly reviews the concept, the challenges and prospects of Islamic banking in Nigeria. The paper relies on the secondary sources by reviewing and analysing various works on the subject. A reflection on the size of its population and the developmental opportunities indicates that Nigeria has the prospect of becoming the hub centre of Islamic finance in Africa. Yet there are numerous challenges to the development of the Islamic banking system in the country, including misrepresentation of the system, lack of linkages and investment institutions, lack of adequate knowledge, as well as shroud business ethos and corruption, which is endemic in the country. The paper recommends the need for greater public awareness about Islamic banking and creation of enabling environment (i.e. the legal, accounting and taxation systems) for the working of Islamic financial system.   

Entrepreneurial Education - a New Challenge for Universities in Romania

2018 ◽  
Vol 9 (2) ◽  
pp. 57-68
Author(s):  
Gabriel Croitoru ◽  
Mircea Constantin Duica ◽  
Dorin Claudiu Manolache ◽  
Mihaela Ancuta Banu
Keyword(s):  
Social Role ◽  
Well Being ◽  
Business Environment ◽  
Educational Institutions ◽  
Positive Contribution ◽  
Business Decision ◽  
Entrepreneurial Spirit ◽  
The Social ◽  
New Thinking ◽  
High Degree

Abstract Entrepreneurial spirit plays an increasingly important role in the economic sphere, and universities are meant to play a central role in this process, where the main objective is the continuous development and mediation of the knowledge increasingly geared to the applications through innovation and patenting a secure platform for employment and well-being growth. The Universities have to take a position in if/and how they want to grow into a so-called “University of Entrepreneurship” which is characterized by a high degree of openness to the surrounding society and here we are talking, especially, about, the business sector in Romania. This evolution of expectations for the social role of universities has resulted from increased and recent interest in entrepreneurship and innovation of areas as research and theory of the business environment. The experience gained as teachers indicates that education and entrepreneurship education should include different theories and methodology than those applied in the usual way. The theory of traditional management and microeconomic models could even be a barrier to new thinking and change and, therefore, to the implementation of modern entrepreneurial actions. We want this article to be a source of inspiration for educational institutions and to have a positive contribution to research in business education and to be applicable in business decision-making.

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