Commercial Banks' Digital Paradigm and Customers Responses in the UAE

2020 ◽  
Vol 1 (1) ◽  
pp. 68-79
Author(s):  
Muhammad Jumaa
Keyword(s):  
Commercial Banks ◽  
Descriptive Analysis ◽  
Consumer Loyalty ◽  
Banking Services ◽  
Factors Influencing ◽  
Negative Effect ◽  
Inferential Analysis ◽  
The Impact ◽  
Central Factors ◽  
Calculated Standard Deviation

One of the central factors influencing the banks in the UAE is the changing needs and perceptions of the customers towards digital banking services. With this significance, the researcher made an attempt to study commercial banks' digital paradigm and customer's responses. Based on this, the volume of business and the customer's top 11 banks were identified for the study. For collecting data from the respondents pretested scheduled questionnaire was used. In order to finalize the number of samples the researcher calculated standard deviation and found the sample size was 350. Collected data was analyzed by the researcher to know the impact of digital banking services and the customer responses. The researcher has done an inferential analysis followed by descriptive analysis. This analyst recognized factors, which were embraced amid the examination included; privacy, reliability, technology, convenience, security, and satisfaction. Among every one of the elements, innovation and accommodation reflected negative connection thinking about negative effect by and large consumer loyalty.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

The impact of credit risk on the financial stability of commercial banks in Vietnam

2021 ◽  
Vol 11 (2) ◽  
pp. 67-80
Author(s):  
Nguyen Quoc Anh ◽  
Duong Nguyen Thanh Phuong
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Financial Stability ◽  
Dynamic Panel Data ◽  
Z Score ◽  
Return On Equity ◽  
Score Analysis ◽  
Negative Effect ◽  
The Difference ◽  
The Impact

This study investigates the impact of credit risk on the financial stability of Vietnamese commercial banks. The paper uses the Z-score to proxy the financial stability of banks. We use the data of 27 Vietnamese commercial banks on BankScope, during 2010 - 2019. The paper applied a dynamic panel data approach; the selected method is the difference GMM (DGMM). The key question discussed is which factor impacts on Z-score. Analysis results show the negative effect of non-performing loans on the financial stability of banks. When commercial banks have higher non-performing loans, the lower the financial stability is. Additionally, bank-specific variables such as equity on asset ratio, the return on equity, the size of the bank and set of macroeconomic variables affect the bank’s financial stability. Based on the analysis results, we imply relevant policies for the State Bank of Vietnam and commercial banks.

scholarly journals The Impact of The Sustainability Report on The Performance of Maqashid Sharia Islamic Commercial Banks in Indonesia

2020 ◽  
Vol 3 (3) ◽  
pp. 96-103
Author(s):  
Arini Arini ◽  
Satia Nur Maharani ◽  
Dodik Juliardi
Keyword(s):  
Commercial Banks ◽  
Islamic Banks ◽  
Standard Score ◽  
Panel Data Regression ◽  
Data Regression ◽  
Negative Effect ◽  
Perspective Model ◽  
The Impact ◽  
Education Justice ◽  
Sustainability Report

This study examines the effect of sustainability reports on the performance of maqashid sharia in Islamic banks. The sample of this research is Islamic commercial banks in Indonesia for the period 2014-2018. The sustainability report is measured by the standard score of the GRI 4 sustainability report and the performance of Islamic banks is measured using maqashid sharia with 3 perspectives, namely education, justice and welfare. The method used is panel data regression with 3 research models. The results of the analysis of model 1 show that the sustainability report has a significant negative effect on the performance of maqashid sharia from an education perspective. In model 2, the results show that the sustainability report does not have a significant effect on the performance of maqashid syariah justice perspective. Model 3 shows the results that the sustainability report does not have a significant effect on the performance of maqashid syariah from the welfare perspective.

Investigating determinants of competitiveness of the retail banking service in Vietnam: a customer approach

2020 ◽  
Vol 20 (1) ◽  
Author(s):  
Nguyen Dac Thanh ◽  
Luu Thi Thuy Duong ◽  
Nguyen Huu That ◽  
◽  
◽  
...  
Keyword(s):  
Service Quality ◽  
Commercial Banks ◽  
Distribution Channels ◽  
Retail Banking ◽  
Banking Services ◽  
Banking Service ◽  
Specific Factors ◽  
Big Cities ◽  
The Impact

This study is conducted to clarify the impact of the factors on the competitiveness of retail banking services in Vietnam’s commercial banks from the customer’s approach. The hypothesis in this paper is proposed that the competitiveness of retail banking services is related to the following factors: service quality, fees, distribution channels, promotion activities, and brand. The data is used from the survey conducted by 438 individual customers who have been using retail banking services in Vietnam’s big cities. This paper shows that the specific factors which are positively impact the competitiveness of retail banking services in Vietnam can be seen as prices (service fees), promotion activities, brand and distribution channels and service quality. The findings in this research could be an academic basis towards the improvement of the policies for retail banking services in Vietnam.

scholarly journals Are Commercial Agent Banking Services Worthwhile For Financial Inclusion?

2021 ◽  
Vol 12 (2) ◽  
pp. 206
Author(s):  
Md. Imran Hossain ◽  
Md. Al-Amin ◽  
Md Abu Toha
Keyword(s):  
Emerging Economies ◽  
Commercial Banks ◽  
Econometric Model ◽  
Adult Population ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Three Dimensions ◽  
Banking Services ◽  
The Impact

In recent times, commercial agent banking services have got considerable attention from academia and the banking industry for accelerating financial inclusion in emerging economies. However, it's incomprehensible to accelerate the economic progression through financial inclusion while ignoring a huge segment of the nonbank people from unprivileged areas. A very few studies have been conducted on the association between agent banking services and financial inclusion in emerging economies such as Bangladesh. The present study aims to investigate the impact of agent banking services provided by commercial banks on financial inclusion. To begin with the investigation, this study was based on agency theory considering the purposive sampling technique. This quantitative study was conducted on 19 commercial banks which are currently providing agent banking services in Bangladesh. An econometric model was proposed whereas the dependent construct has one specific dimension named as financial inclusion proxy by several accounts as a percentage of the adult population, in contrast, the independent construct had three dimensions named as-deposited amount, credited amount, and inward remittance of agent bank. In addition to that, this econometric model was based on secondary data whereas data analysis was conducted by considering panel data statistical method using GRETL (2019) software. This statistical analysis revealed that currently both the deposited amount and credited amount do have a significant impact on financial inclusion.  It has also been inferred that using agent banking for in-warding remittance and new accounts open by clients have a positive significant relationship with financial inclusion. It is argued that agent banking services by comprising unbanked people in financial inclusion will ultimately prompt the opportunity for proper mobilization of resources and funds while maintaining safety and security. Further, it is also claimed that this study would assist to illustrate the present performance of agent banking services in financial inclusion from a multidimensional perspective which will contribute to providing some more innovative and sustainable products and services towards the unbanked people. Finally, this study recommends that commercial banks through agent banking should include a maximum number of nonbank populations into the financial inclusion by ensuring sustainable agent banking services which will accelerate the emerging economics Sustainable Development Goal (SDGs) performance.

scholarly journals Factors influencing small, medium and micro-sized enterprises’ borrowing from banks: The case of the Botswana manufacturing sector

2017 ◽  
Vol 17 (1) ◽  
Author(s):  
Wilbert R. Mutoko ◽  
Stephen M. Kapunda
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Positive Impact ◽  
Manufacturing Sector ◽  
Sampling Technique ◽  
Bank Loans ◽  
Factors Influencing ◽  
Research Designs ◽  
Negative Effect

The objective of the study: The main objective of this study is to determine the factors that influence manufacturing small, medium and micro-sized enterprises’ (SMMEs) borrowing from banks.Problem statement: This article examines factors that affect SMMEs’ ability to borrow money from commercial banks. Empirical evidence was collected from manufacturing SMMEs.Motivation for the study: There is a scarcity of studies on factors influencing borrowing among Botswana manufacturing SMMEs.Methodology: The study employed both qualitative and quantitative research designs. The random stratified sampling technique was used to draw a sample of 100 manufacturing SMMEs from a population of 329 registered manufacturing SMMEs in Botswana. Descriptive and inferential statistics were used to analyse the data. Furthermore, multivariate logistic regression estimation was used to obtain the main objective.Main findings: The empirical results showed that longevity in position and annual turnover have positive impact on getting access to bank loans, while marital status has a negative effect on access to bank loans.Practical implications: An understanding of factors influencing borrowing can increase chances of an SMME gaining financing from commercial banks, thus solving the challenge of access to finance.Contributions: The results are significant to SMMEs, policymakers, the banking sector and other researchers. Furthermore, this study increases literature on SMME challenges and financing logistics.

Potential Population Segments to Expand the Customer Base of Commercial Banks in the Context of Population Ageing

2015 ◽  
Vol 2015 (1) ◽  
pp. 60-86
Author(s):  
Nadezhda Galkina
Keyword(s):  
Marketing Strategy ◽  
Commercial Banks ◽  
The Elderly ◽  
Small Towns ◽  
Population Ageing ◽  
Banking Services ◽  
Customer Base ◽  
Working Age ◽  
Potential Population ◽  
The Impact

The article examines the process of reducing the population of working age and its effect on marketing strategy of commercial banks in Russia. The author first explores the process of the population ageing in Russia during the 20th and 21st century and provides information concerning the provision of banking services to different age segments. The analysis concludes with an examination of several population segments which should be of interest to commercial banks facing the population ageing. They include the elderly, children and the youth as well as the population of Russia’s small towns. The author’s analysis is based on foreign experience which proved successful while involving the population out of the working age in the use of banking services. The article could be of interest to the experts studying the impact of population ageing and marketers.

Intention to use e-banking services in the Jordanian commercial banks

2018 ◽  
Vol 36 (3) ◽  
pp. 557-571 ◽  
Author(s):  
Saad Ghaleb Yaseen ◽  
Ihab Ali El Qirem
Keyword(s):  
Social Influence ◽  
Commercial Banks ◽  
Longitudinal Research ◽  
Explanatory Power ◽  
Future Research ◽  
Intention To Use ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing ◽  
Actual Use

Purpose The purpose of this paper is to investigate the essential factors influencing the adoption and use of e-banking services as perceived by customers of the Jordanian commercial banks. Design/methodology/approach This paper adapts and modifies the unified theory of acceptance and use of the technology model. Modifications were made to explain intention to use e-banking services. Findings The modified model explained 0.887 of behavior intention variance and 0.516 percent of the intended degree of e-banking services use variance. Three constructs are found to be good predictors: effort expectancy (EE), social influence, and perceived e-banking services quality. Performance expectancy and hedonic motivation are not significant predictors. However, all three predictors were significantly moderated by age only. Research limitations/implications As with any research in the field of IT adoption and consumer behavior, researchers should take into consideration the generalization of their empirical findings. The generalization could be enhanced if future research uses the Jordanian baking sector which includes Jordanian and non-Jordanian banks. Finally, the current research findings are based on the cross-sectional research method. Taking this fact into consideration, the relation between intention and actual use may raise questions. One solution is to study intention and actual use at different points in time by conducting longitudinal research to access and test the research hypotheses. Practical implications Managers need to focus on promoting e-banking services in terms of consumer’s EE, social influence, and e-banking service quality. Since young consumers are early adopters, Jordanian banks need to introduce added entertainment values for youth and extra convenience for older consumers. Originality/value The main contributions revolve around developing a better understanding of the essential factors influencing the adoption and use of e-banking services. This research incorporates a new variable: perceived e-banking quality. Thus, the proposed model provides better explanatory power than previous research.

The workplace as a factor of job satisfaction and productivity

2015 ◽  
Vol 13 (4) ◽  
pp. 332-349 ◽  
Author(s):  
Konstantinos Fassoulis ◽  
Nikolaos Alexopoulos
Keyword(s):  
Job Satisfaction ◽  
Regression Analysis ◽  
Descriptive Analysis ◽  
Public Institution ◽  
Employee Productivity ◽  
Administrative Staff ◽  
Office Work ◽  
Content Type ◽  
Negative Effect ◽  
The Impact

Purpose – The purpose of this study is to examine degree of job satisfaction of the University of Athen’s (UOA) administrative staff, specifically regarding the workplace and its impact on their productivity. Design/methodology/approach – Questionnaires were distributed to 160 administrative personnel of the UOA. The study entails descriptive analysis, independent samples t-tests, ANOVA, Pearson correlations (two-tailed) and regression analysis of the data collected. Findings – The results indicate that the UOA’s administrative staff is dissatisfied with most aspects of their workplace, which is characterized by an inability to encourage and support new forms of office work. This scenario was also found to have a negative effect on productivity. In addition, regression analysis showed that satisfaction with the workplace is a significant predictor of employee productivity. Research limitations/implications – A limitation of this study is that the sample was not from the UOA administrative staff that works in more recently constructed office buildings away from the Athens city center. Further investigation would also be needed to identify possible differences in satisfaction with the workspace and its impact on productivity, based on demographic characteristics, such as the level of education and years of employment. Practical implications – The research results may be useful to public institution administrations like that of the UOA, as it highlights changes in the workplace which can have significant impact on employee job satisfaction and productivity, and consequently, the efficiency and effectiveness of the services provided. Originality/value – This study examines aspects of the workspace of a public organization regarding their individual attributes. Given that the existing Greek literature in this field does not contain a discussion on the impact of the workplace on job satisfaction and productivity as far as the public sector is concerned, this paper may contribute to a smoother and more efficient provision of services from its organizations/institutions.

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