scholarly journals Evaluating Attractiveness and Perceived Risks

2021 ◽  
Vol 12 (1) ◽  
pp. 1-23
Author(s):  
Mehree Iqbal ◽  
Afrin Rifat ◽  
Nabila Nisha
Keyword(s):  
Behavioral Intention ◽  
Financial Services ◽  
Perceived Risk ◽  
Banking Sector ◽  
Future Directions ◽  
Banking Services ◽  
Perceived Risks ◽  
Services Delivery ◽  
Attractive Option ◽  
The Relationship

Access to green banking services has the potential to improve and promote environmentally friendly practices in banking sector of Bangladesh. Beyond its usefulness for the environment, green banking also benefits the clients by offering new channels of financial services delivery in a convenient and quickly manner. While this is an attractive option, there are a number of perceived risks attached to it. This study aims to examine factors that can influence the attractiveness of green banking services, alongside explaining associated risks for its adoption in Bangladesh. Findings indicate that clients are mostly attracted to green banking services due to its social and task attractiveness. However, perceived risks like financial, time, individual, and cyber risks often hamper this attractiveness. Overall results confirm the relationship between perceived risk and attractiveness and their subsequent influence upon client's behavioral intention towards green banking services. Implications and future directions are discussed as well.

scholarly journals A Study on Online Purchase Motivation, Perceived Risk and Behavioral Intention of Sports Goods Consumption

2020 ◽  
pp. 10-18
Author(s):  
Chou, Hsiu-Yueh ◽  
Chen, Fei-Chuan
Keyword(s):  
Statistical Analysis ◽  
Consumer Behavior ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Perceived Risks ◽  
Online Purchase ◽  
Different Ages ◽  
The Relationship ◽  
Sports Shoes ◽  
Sports Goods

The purpose of this study is to analyze the characteristics of consumer behavior, and the relationship among purchase motivation, perceived risk, and behavioral intention. In this study, 594 valid questionnaires were collected from consumers who bought sports goods online. After statistical analysis, this study found that: 1. Sports shoes are the main products consumers buy online. 2. There is no difference in purchase motivation, perceived risk, and behavioral intention between genders.3. Consumers of different ages have different purchase motives and perceived risks. 4. Consumer purchase motivation and perceived risk have predictive effect on behavioral intention.

scholarly journals Demonetisation Impact over Banking Loans & Advances: A Case Study

2019 ◽  
Vol 7 (4) ◽  
pp. 51-64
Author(s):  
Narsaiah Neralla
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Study Data ◽  
Ecosystem Dynamics ◽  
Banking Services ◽  
Legal Tender ◽  
The Status ◽  
The Government ◽  
Case Study Data

The demonetisation footstep by the Government of India twisted complicated influences in the economy. Complete sectors of the economy had faced and produced mixed sensation results over the decision of demonetisation. India’s financial services struggled with demonetisation; on the other hand demonetisation affects utmost over the banking sector because it is substantial influenced services to transform money circulation in an Indian economy. Eradicating components of currency notes from circulation in an economy is demonetisation. It is as the processes of components of money are denied the status of legal tender. Consequently, ceased currency notes will not be account as valid currency in an economy. The term ‘demonetization’ is an instrument to shrink Inflation, Black Money, Corruption and terror funding, this step discourages a cash dependent economy in India. Government of India drive towards demonetisation has given a strong push to the popularity of digital banking and made helps with the alternative arrangements of e-banking and e –wallet to trade and commerce. Exploring the demonetisation emergence in an economy and impact on banking services ecosystem dynamics, this study take an abductive approach anchored in over 4 years of case study data regarding. The present study foremost intention is to be analysing the demonetisation impact over banking loans and advances. In this regard the present study is to be examining the pre demonetisation and post demonetisation period.

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>

scholarly journals Determinants of the Acceptance of Mobile Payment Systems by E-Merchants

2022 ◽  
Vol 20 (1) ◽  
pp. 1-23
Author(s):  
Daniel Możdżyński ◽  
Wojciech Cellary
Keyword(s):  
Behavioral Intention ◽  
Perceived Risk ◽  
Behavioral Intentions ◽  
Payment System ◽  
Mobile Payment ◽  
Payment Systems ◽  
Intention To Adopt ◽  
Business Units ◽  
On Line ◽  
The Relationship

To be effectively deployed, a mobile payment (m-payment) system must be provided by e-merchants and accepted by e-consumers. Although the problem of acceptance of m-payment systems by e-consumers has been widely researched, there are few studies about what actually motivates e-merchants to adopt and deploy these systems in their businesses in the first place. The goal of this research was to discover the behavioral intentions of e-merchants to adopt and deploy an m-payment system. The interviews approach was applied to 347 e-merchants randomly selected from among the whole population of 47,457 independent business units selling goods on-line in Poland. The PLS-SEM method was applied to determine the relationship between variables. Unexpectedly, perceived risk was not a significant factor influencing e-merchants' intention to adopt an m-payment system. The e-merchants’ behavioral intention was significantly impacted by the expected usefulness, perceived ease of deployment and use, perceived cost and price, and hedonic motivation.

scholarly journals Critical Factors Influencing the Behavioral Intention of Consumers towards Mobile Banking in Malaysia

2020 ◽  
Vol 10 (1) ◽  
pp. 5265-5269
Author(s):  
Z. U. Rehman ◽  
F. A. Shaikh
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Negative Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Critical Factors ◽  
Banking Services

Mobile banking services are widely adopted in developed and developing countries, while their adoption by Malaysian consumers is relatively low. The effective adoption of mobile banking mostly depends on consumers. This study’s objective was to examine the factors that influence Malaysian customers’ behavioral intention toward mobile banking. A detailed literature review was conducted in order to identify the critical factors that affect mobile banking users. The research model was based on the Technology Acceptance Model, investigating the additionally perceived risk. Primary data were collected from 384 generation Y bank customers. Structure equation modeling through Smart-PLS was used for data analysis. Results revealed that consumers’ behavioral intention was significantly and positively influenced by perceived usefulness and ease of use, while a significant negative relationship was found between consumers’ behavioral intention and perceived risk. The findings also revealed a mediating relationship of attitude between perceived usefulness, ease of use and risk, and behavioral intention to use mobile banking. The study provides appropriate guidelines to Malaysian banks and mobile banking application developers for the effective implementation and design of mobile banking services.

scholarly journals Evaluation of Availability of Online Financial Services to the Population of the Kemerovo Region (Kuzbass)

2020 ◽  
Vol 2020 (3) ◽  
pp. 387-396
Author(s):  
Elmira Lubkova ◽  
Galina Ermolaeva ◽  
Anna Shilova
Keyword(s):  
Financial Institutions ◽  
Financial Literacy ◽  
Financial Services ◽  
Remote Access ◽  
Insurance Companies ◽  
Banking Services ◽  
Remote Areas ◽  
The One ◽  
The Relationship ◽  
Logical Research

The availability of online financial services is becoming increasingly relevant in the context of the digital economy. On the one hand, they are easily assessable and not time-consuming. On the other hand, there is insufficient financial literacy and incomplete Internet coverage of remote areas – the obstacles that have to be overcome. The research objective was to evaluate availability of online financial services in remote access. The study featured the relationship between consumers and financial institutions in the process of implementing financial services in remote access. It was based on empirical, monographic, and abstract-logical research methods. An analysis of empirical data showed that most respondents could choose remote banking services. Fewer respondents had access to online services of insurance companies and other financial institutions. Respondents complained about various problems in obtaining remote access to financial services. The authors believe that the research can help improve regional financial programs and encourage further studies of local financial availability by increasing financial literacy, full Internet coverage, and confidence in financial institutions.

scholarly journals The role of electronic service and pricing in attracting customers (A field study on the Sudanese banking sector): دور الخدمة الإلكترونية والتسعير في جذب العملاء (دراسة ميدانية في القطاع المصرفي السوداني)

2020 ◽  
Vol 4 (12) ◽  
Author(s):  
Elham Ezeldeen Hassan, Naamat Muhammad Saeed
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Business Environment ◽  
Strong Positive Correlation ◽  
Correlation Relationship ◽  
Positive Correlation ◽  
Statistical Function ◽  
Electronic Service ◽  
The Impact ◽  
The Relationship

The study dealt with the relationship of electronic service and electronic pricing in attracting customers by applying to the Sudanese banking sector The problem of the study lies in identifying the relationship between electronic service and electronic pricing in attracting customers by identifying the quality of the correlation between electronic service and electronic pricing and attracting customers and the importance of the study stemmed from The big role that banks play in providing financial services in Sudan and through information and data and analyzing them to benefit from them, and the main goal of this study is to try to reveal the impact of electronic marketing My clients in the bank attract, the study seeks to test the following hypotheses of the study, there is a strong positive correlation with statistical function between the electronic service and attract customers, and there is a positive correlation relationship with a medium statistical function between the electronic pricing and attract customers. The study followed the historical approach, deductive approach, descriptive approach and inductive approach, the study reached a number of results, the most important of which is that providing good electronic service is no longer optional or a set of slogans and methods of advertising but rather has become a reality imposed by the nature of conditions and variables in the contemporary business environment as imposed by the nature and characteristics of clients themselves, the basis To achieve success, growth and continuity in the market depends on the presence of a customer base and the strengthening of the relationship between customers and the bank, and one of the most important recommendations recommended by the study is the establishment of sections for electronic banking services in the bank’s branches and the establishment of an ester Tejah marketing is working to attract more of both cases, customers continuity in the creation of the bank's branches and improve the work, the use of modern software in the electronic service to keep pace with technological developments, taking into account security and safety in the payment of the amounts of buying and selling via computer networks because of concerns arising from the possibility of interception and theft.

Exploring perceived risk in building successful drone food delivery services

2019 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jinsoo Hwang ◽  
Ja Young (Jacey) Choe
Keyword(s):  
Willingness To Pay ◽  
Perceived Risk ◽  
Negative Influence ◽  
Food Delivery ◽  
Content Type ◽  
Perceived Risks ◽  
Performance Risk ◽  
Delivery Services ◽  
Psychological Risk ◽  
The Relationship

Purpose This paper aims to explore the types of perceived risks involved with using drone food delivery services. Furthermore, this study investigates the relationship between perceived risk and image of drone food delivery services. Lastly, this study examines the effect of image of drone food delivery services on desire, intentions to use and willingness to pay more. Design/methodology/approach This study collected data from 331 respondents in Korea. Before the start of the survey, the respondents were given a video, which made it easier for them to understand drone food delivery services. Findings The three types of perceived risks (i.e. time risk, performance risk and psychological risk) have a negative influence on image of drone food delivery services and, thus, aids in increasing desire, intentions to use and willingness to pay more. Originality/value The concept of perceived risk was applied to the context of drone food delivery services in this study in combination with other understudied concepts, image, desire, intentions to use and willingness to pay more. This study is one of the first studies that applied those significant concepts to the context of drone food delivery services, even though there are a large number of papers in the technology field. Thus, the findings of this study will be important to foodservice companies when building successful drone food delivery services.

Promoting Indigenous Financial Inclusion

2018 ◽  
Vol 9 (2) ◽  
pp. 1-11
Author(s):  
Michael D'Rosario
Keyword(s):  
Social Services ◽  
Financial Services ◽  
Potential Role ◽  
Banking Sector ◽  
Indigenous Communities ◽  
Financial Inclusion ◽  
Banking Services ◽  
Geographic Dispersion ◽  
Financial Exclusion

This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all serve to promote financial exclusion. It is posited that forms of access exclusion such as bank branch access and geographic dispersion have served as the key structural impediments to indigenous financial inclusion. Specifically, this article considers the potential role of adaptive cellular technologies and community telecentres in addressing financial exclusion within indigenous communities. Detailing successful ‘social banking' models adopted in several developing countries, it is asserted that m-banking could serve as a powerful tool for inclusion.

Exploring Client Perceptions and Intentions in Emerging Economies

2019 ◽  
pp. 49-70
Author(s):  
Mehree Iqbal ◽  
Nabila Nisha ◽  
Afrin Rifat ◽  
Pradiptarathi Panda
Keyword(s):  
Emerging Economies ◽  
Financial Services ◽  
Structural Equation ◽  
Equation Modeling ◽  
Environmental Concerns ◽  
Banking Services ◽  
Services Delivery ◽  
Global Initiative ◽  
And Performance ◽  
Facilitating Conditions

This article describes how in response to the global initiative to save the environment, many emerging economies today promote environmental-friendly practices by implementing various forms of green banking services. Beyond its usefulness for the environment, green banking also benefits the clients by offering new channels of financial services delivery. As such, there may be various factors which can shape the behavioral intentions of clients for adopting green banking, including their environmental concerns, perceived financial cost and timeliness factor attached to these services. Using UTAUT model and Structural Equation Modeling (SEM), this paper thus proposes a model to identify such adoption factors in the context of an emerging economy. The article finds that timeliness, facilitating conditions, environmental concerns, effort expectancy and performance expectancy, plays an important role in capturing clients' overall perceptions of green banking. Results therefore indicate clients may be fairly pragmatic in developing general attitudes towards the use of green banking.

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