scholarly journals Effects of Utilitarian and Hedonic Emotion on the Use of Online Banking Services

2021 ◽  
Vol 29 (6) ◽  
pp. 1-20
Author(s):  
Wei-Hsi Hung ◽  
Chih-Lang Tseng ◽  
Fang-Kai Chang ◽  
Chin-Fu Ho
Keyword(s):  
User Experience ◽  
Positive Impact ◽  
Online Banking ◽  
Continuance Intention ◽  
Negative Experience ◽  
Banking Services ◽  
Banking Service ◽  
Online Payment ◽  
Transaction Services

The online banking service is the key element for the development of e-commerce and e-businesses. It provides users with convenient daily transaction services, such as wire transfer and online payment. Past studies on online banking services mostly focused on their functionality, whereas little pay attention to users’ hedonic feelings or a sense of pleasure. Besides, discussions about post-adoption behavior are also immature. Thus, this study aims to explore the impacts of customers' positive or negative experience of using online banking services on consumers' emotions. Furthermore, a discussion of post-adoption behaviors, including recommendations, complaints, and continuance intention is also provided. The result shows that positive user experience will have a significantly positive impact on the generation of utilitarian emotion. As for the sense of utilitarian emotion, users concern more about whether their goal could be achieved successfully via their operations or not, such as completing wire transfer transactions in the online banking environment.

scholarly journals Effects of Utilitarian and Hedonic Emotion on the Use of Online Banking Service

2021 ◽  
Vol 29 (6) ◽  
pp. 0-0
Keyword(s):  
User Experience ◽  
Positive Impact ◽  
Online Banking ◽  
Continuance Intention ◽  
Negative Experience ◽  
Banking Services ◽  
Banking Service ◽  
Online Payment ◽  
Transaction Services

The online banking service is the key element for the development of e-commerce and e-businesses. It provides users with convenient daily transaction services, such as wire transfer and online payment. Past studies on online banking services mostly focused on their functionality, whereas little pay attention to users’ hedonic feelings or a sense of pleasure. Besides, discussions about post-adoption behavior are also immature. Thus, this study aims to explore the impacts of customers' positive or negative experience of using online banking services on consumers' emotions. Furthermore, a discussion of post-adoption behaviors, including recommendations, complaints, and continuance intention is also provided. The result shows that positive user experience will have a significantly positive impact on the generation of utilitarian emotion. As for the sense of utilitarian emotion, users concern more about whether their goal could be achieved successfully via their operations or not, such as completing wire transfer transactions in the online banking environment.

TANGGUNG JAWAB HUKUM BAGI AGEN BANK DALAM MENYEDIAKAN LAYANAN ONLINE PERBANKAN MELALUI SISTEM PAYMENT POINT ONLINE BANK (PPOB)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Rahmadi Indra Tektona ◽  
Ahmad Sayyidul Mubaraq
Keyword(s):  
Current Account ◽  
Online Banking ◽  
Point System ◽  
Banking Services ◽  
The Public ◽  
Banking Service ◽  
Online Payment ◽  
Definition Of ◽  
A Company ◽  
Online Bank

The services provided by banks to the public are an online payment point system by using the Definition of payment points and the benefits are a means of payment from the public aimed at the benefit of certain parties usually is the current account of a company whose payments are made through a bank. There is a case in online banking service agents owned by a bank, one of them is Bank BTPN services that use agents to provide services to customers such as opening accounts and paying electricity. There is a problem when an agent in carrying out his duties as an agent gives power to other people in its implementation so that in terms of the principle of knowing customers as explained in the banking principles, where the Payment Point Online Bank (PPOB) system is a system that is run online without passing through face to face.Keywords :Legal Review, Bank Agents, Online Banking Services

scholarly journals CROSS COUNTRY ANALYSIS OF ONLINE BANKING SERVICE QUALITY IN SOUTH AFRICA AND INDONESIA

2020 ◽  
Vol 8 (4) ◽  
pp. 194-203
Author(s):  
Johan W de Jager ◽  
◽  
Nuri Wulandari ◽  
Elizma Wannenburg ◽  
◽  
...  
Keyword(s):  
South Africa ◽  
Service Quality ◽  
Online Banking ◽  
High Tech ◽  
Banking Services ◽  
Banking Service ◽  
Country Analysis ◽  
Cross Country ◽  
Automatic Teller Machines

Since the introduction of automatic teller machines, the online banking industry have evolved rapidly in order to stay abreast of today’s digital savvy customers. By keeping up to date with changes in the external environment as well as consumer needs can elevate the competitive advantage of banks. With that in mind, banks need to ensure that the service quality of the online banking services meets the expectations of its customers. The objective of the study is to evaluate and investigate the online banking customers’ perceptions of the service quality of banks in South Africa (SA) and Indonesia (INA). A survey was conducted among more than 300 respondents from both countries. The results revealed that within the eight dimensions of online banking service quality, each of the countries have different experiences when it comes to “high tech” versus “high touch”. The study has also found significant differences between the perceptions of both SA and INA’s banking customers. By understanding the perceptions of online banking customers in two developing countries can assist financial institutions with the development of new services or technologies that will enhance the online banking experience.

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 Analysis of Mediating Effect of Customer Perception in Relation to Service Quality and Customer’s Satisfaction in Online Banking Services

2021 ◽  
Vol 12 (2) ◽  
pp. 2421-2427
Author(s):  
Rohit Mahajan , Et. al.
Keyword(s):  
Structural Equation Modeling ◽  
Service Quality ◽  
Structural Equation ◽  
Online Banking ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Banking Services ◽  
Customer Perception ◽  
Cronbach's Alpha ◽  
Banking Service

Qualities of service act as significant in the competition, putting effect upon customer’s satisfaction. This research aims for assessing how service quality puts impact customers’ satisfaction in the online banking service.  E-SERVQUAL with dimensions: efficiency, fulfillment, security, quick responses and easiness to use has been utilized to assess services’ qualities of service rendered by bank over internet. The pilot’s study was done with 33 responses and cronbach’s alpha was 0.882, which shows that  the collected data is valid. A questionnaire comprising of 23 statements was made and 262 responses were analyzed by doing EFA through SPSSv21 and CFA & Structural Equation Modeling using SPPS AMOS 21.  

scholarly journals Complacent Effect of Age and Education on the Online Banking-Service Compatibility: Study in Delhi and National Capital Region

TEM Journal ◽  
2020 ◽  
pp. 1765-1770
Author(s):  
Ankur Agrawal ◽  
Mohammad Rumzi Tausif ◽  
Prashant Kumar Pandey ◽  
Praveen Kumar Pandey
Keyword(s):  
Online Banking ◽  
Compatibility Study ◽  
National Capital Region ◽  
Banking Services ◽  
Secondary Sources ◽  
Banking Service ◽  
Private Banks ◽  
National Capital ◽  
Effect Of Age ◽  
Awareness Level

This study aims to determine the effect of age and education on the customers' service compatibility and determine the awareness level of the banking customers related to the banking services. The collection of data will be a blend of primary and secondary sources based on private banks. Based on the findings, it can be said that gender affects service compatibility with the user. Still, the education level has no direct effect on compatibility.

scholarly journals E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty: A conceptual Model

2018 ◽  
Vol 5 (6) ◽  
pp. 4808-4819 ◽  
Author(s):  
Sathiyavany, N ◽  
Shivany, S
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Conceptual Model ◽  
Empirical Test ◽  
Research Work ◽  
Internet Banking ◽  
Online Banking ◽  
Quality Factors ◽  
Banking Services ◽  
Banking Service

Today, the increasing digitalization makes the service industry like banks provide e-banking services or online banking in order to access the competitive advantage and dedicate much market share for themselves as it has crucial role in increasing the organizational profitability and customers’ satisfaction and loyalty, the quality of e-banking services is of great importance in e-banking studies. Little attentions were given to review of literature to formulate model as a guide for empirical test. This is a research paper in progress paper discussing the interaction among the E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty form the customers’ point of view. The reviews of literatures covers the trends in internet banking , E-service quality dimensions relating to  e-banking services, e-Service Quality Dimension Measurement in Internet Banking, Key e-service quality factors influencing e-banking success, Interaction between e-Service Quality and e-Customer Satisfaction , Interaction between e-Customer Satisfaction and e-Loyalty, Interaction among e-Banking Service Quality, e-Customer Satisfaction and e-Customer Loyalty, Influence of Personal Demographic Factors on online banking, and conceptual model is formulated from the reviewed literatures. It is a concept paper formulated a research conceptual framework, and model to show the interactions among the E-service quality, e-satisfaction, and e-loyalty among the internet banking customers. Another part of this research will empirically test the formulated hypotheses in the present research work.

E-Banking Application and Issues in Abbey National Plc

2011 ◽  
pp. 253-258 ◽  
Author(s):  
Mark X. Xu ◽  
Siobhan Wilkes ◽  
Mahmood H. Shah
Keyword(s):  
Internet Banking ◽  
Online Banking ◽  
The Internet ◽  
Banking Services ◽  
Automated Teller Machines ◽  
Internet Portal ◽  
Internet Connection ◽  
Banking Service ◽  
Limited Company ◽  
Account Information

The financial service is facing a new delivery challenge in the shape of the Internet and e-commerce (Akamavi, 2005). The Internet as a channel for banking service delivery is fundamentally different from other channels such as branch networks, telephone banking, or automated teller machines (ATMs). The term e-banking is often used interchangeably with online banking, Internet banking, and PC banking. For example, Pikkarainen, Pikkarainen, Karjaluoto, and Pahnila (2004) define online banking as an Internet portal, through which customers can use different kinds of banking services ranging from bill payment to making investments. A bank’s Web site offering only information without possibility to conduct any transactions is not qualified as online banking. Lbbotson and Moran (2003) use the term “electronic forms of banking”, which includes telephone banking, PC banking, and Internet banking. In line with this definition, Lassar, Manolis, and Lassar (2005) refer e-banking as various formats or technologies, including telephone banking, direct bill payment, electronic fund transfer, PC banking, and online (Internet) banking. In this article, e-banking is referred to Internet banking or Online banking that it must enable Internet based transactions. This distinguishes e-banking from other electronic-based remote banking. E-banking can be carried out anywhere from a device with an Internet connection and it enables access to account information and conduct online transactions. E-banking brings up unique types of challenges and requires novel solutions (Shah & Gupta, 2005; Southard & Siau, 2004). This article reviews how e-banking has been developed in Abbey National PLC (Public Limited Company) with a focus on the important issues when implementing e-banking applications1.

The Influences of Privacy, Security, and Legal Concerns on Online Banking Adoption

2017 ◽  
pp. 113-126 ◽  
Author(s):  
Khalid Alkhatib ◽  
Ahmad Alaiad
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
New Technology ◽  
Banking System ◽  
Online Banking ◽  
Banking Services ◽  
Privacy Concerns ◽  
Banking Service ◽  
Effort Expectancy ◽  
Facilitators And Barriers

Business globalization and the rising new technology enforced traditional banking to head towards online banking services, which facilitates customers to obtain access to their accounts from their business sites and personal computers to online banking services. The objective of this chapter is to construct a framework of adoption of online banking and represent the major influences of privacy, security, and legal concerns on online banking adoption. Furthermore, the chapter reveals the main challenges in the development of online banking system. The adoption of online banking can decrease the operating expenses and offer good and rapid services to their customers. The framework factors have been classified as facilitators and barriers of adoption of online banking. Performance expectancy, effort expectancy and social influence have been classified as facilitators whereas security concerns, privacy concerns and legal concerns have been classified as barriers. The results revealed various significant suggestions for online banking service providers, designers and developers.

scholarly journals User Experience with Security Elements in Internet and Mobile Banking

Organizacija ◽  
2016 ◽  
Vol 49 (4) ◽  
pp. 251-260 ◽  
Author(s):  
Aleksandra Svilar ◽  
Jože Zupančič
Keyword(s):  
Statistical Methods ◽  
User Experience ◽  
Online Survey ◽  
Internet Banking ◽  
Current Situation ◽  
Online Banking ◽  
The Internet ◽  
Mobile Banking ◽  
Banking Services

Abstract Background/Purpose: Maintaining a balance between security and a positive user experience in mobile and Internet banking is becoming increasingly difficult for the providers of banking services. The goal of our research is to analyse user opinions about the current situation: how users perceive security and how the authentication methods they are using affect user experience. Methodology: Data were collected using an online survey among the users of 15 banks operating in Slovenia, and statistical methods were applied to analyse them. Results of the users’ study were evaluated and commented by a limited number of interviewed banking security experts. Results: The results indicate that the use of mobile banking in Slovenia is relatively low, as only 30 percent of respondents use mobile banking along with Internet banking. Slovenian users perceive security to be the most important factor in mobile and online banking, closely followed by reliability. We also verified whether the users knew which authentication methods they were using: 69% of respondents selected the correct authentication method. The opinion of 88% of respondents was that authentication methods do not limit them when using mobile and Internet banking. Results of the study of user’s opinions did not surprise the experts, although experts’ views about the balance between security and usability diverged considerably. Conclusion: Our results indicate that, in Slovenia, users of the Internet and mobile banking services regard security to be the most important element in mobile or Internet banking and find user experience less important while they absolutely do want products that are easy to use.

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