CUSTOMERS’ PREFERENCE FOR E – BANKING SERVICES: A CASE STUDY OF SELECTED BANKS IN SIERRA LEONE

2011 ◽  
Vol 01 (04) ◽  
pp. 108-116
Author(s):  
R. A. GBADEYAN ◽  
O. O. AKINYOSOYE GBONDA
Keyword(s):  
Sierra Leone ◽  
Software Verification ◽  
Banking Industry ◽  
Online Banking ◽  
Chi Square ◽  
Frequent Change ◽  
Banking Services ◽  
Chi Square Analysis ◽  
Almost All

The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. There are some associated risks identified in the study that seem to hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. This paper therefore, examines, if customers’ choice of banks is influenced by the quality of e–banking services provided. Stratified sampling was used; while the survey Instrument was a developed Questionnaire comprising open ended and Likert type of questions. The Likert type questions have a 4 point scale (indicating 1 = very comfortable and 4 = uncomfortable) divided into two (2) sections: personal details and customers’ e-banking preference in Sierra Leone. The instrument contained 36 items and was administered to about 400 respondents, while 360 completed and returned their Questionnaire. The statistical techniques used for the analysis were the Chi–Square and correlation. The Chi–Square analysis revealed that the quality of e–banking services offered by banks have significant influence on their customers at 95%, 3 degree of freedom. The paper recommends that various measures should be put in place to ensure more security such as installation of encrypted software, verification system of customer’s identification cards, frequent change of password, examining test questions and using mixed password such as the use of alphanumeric amongst others. The paper concludes that e –banking has become important phenomenon in the banking industry and it will continue as more progress and innovations are made in information technology.

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

Abstract 1122‐000094: EVD Weaning Criteria Decreases VPS/ETV Placement and Hospital Stay in Subarachnoid Hemorrhage Patients

2021 ◽  
Vol 1 (S1) ◽  
Author(s):  
Sachin A Kothari ◽  
Mevish S Siddiq ◽  
Scott Rahimi ◽  
Manan Shah ◽  
Klepper A Garcia
Keyword(s):  
Subarachnoid Hemorrhage ◽  
Cerebral Vasospasm ◽  
Neurocritical Care ◽  
External Ventricular Drain ◽  
Third Ventriculostomy ◽  
Chi Square ◽  
Normal Limits ◽  
Chi Square Analysis ◽  
Weaning Criteria

Introduction : The Neurocritical Care Society encourages an external ventricular drain (EVD) wean “as quickly as is clinically feasible” but guidelines on achieving it are limited (1). This study aims to improve quality of care by sharing a protocol to initiate EVD weaning. These criteria were developed over 7 years and showed a reduction in ventriculoperitoneal shunt/endoscopic third ventriculostomy (VPS/ETV) placement and length of stay (LOS) at our institute compared to national averages. Methods : 151 subarachnoid hemorrhage (SAH) patients from January 2016 to January 2019 were analyzed. 60 aneurysmal SAH (aSAH) and 18 non‐aneurysmal nontraumatic SAH (naSAH) patients required EVD placement. A gradual EVD weaning protocol was initiated if patients met the following criteria: the reason for EVD placement has resolved or is resolving, quantity of CSF output must be <250mL over 24 hours, quality of CSF must be nonbloody, ICP must be within normal limits, and the patient must be neurologically stable. It was acceptable to wean when the patient had mild cerebral vasospasm, but not moderate to severe cerebral vasospasm. EVD weaning was performed by increasing drain height by 5 millimeters of mercury every 24 hours if criteria were met. Charts were reviewed for LOS and rate of VPS/ETV. Gender, age, race, wean failure incidence, infection rates, and SIADH/CSW rates were obtained. Results : Average LOS for aSAH patients with EVD at our institute was 20.35 days. Incidence of VPS/ETV was 11%. Chi‐square analysis was performed, and aSAH patients were found to have higher rates of VPS/ETV placement (p<0.001) and EVD wean failures (p<0.001) than naSAH patients. Conclusions : Our criteria to initiate EVD weaning provided a reduction in VPS/ETV placement among aSAH patients compared to national averages and provides a standardized approach to EVD management. aSAH patients at our institute had a lower incidence of VPS/ETV placement of 11% compared to 21% nationally (2). aSAH patients at our institute also had a lower LOS at 20.35 days compared to 21.5 days nationally (3).

scholarly journals Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh

2016 ◽  
Vol 9 (1) ◽  
pp. 47
Author(s):  
Mohammad Zahed Hossain
Keyword(s):  
Mobile Apps ◽  
Age Groups ◽  
Cost Effective ◽  
Internet Banking ◽  
Demographic Variables ◽  
Online Banking ◽  
Primary Data ◽  
Mobile Banking ◽  
Chi Square ◽  
Banking Services

<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>

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 Faktor Perilaku yang Berhubungan dengan Hasil Pemeriksaan Jentik Pasca Keberadaan Surveilans Angka Bebas Jentik di Kecamatan Tembalang Kota Semarang

2019 ◽  
pp. 91-104
Author(s):  
Diana Andriyani Pratamawati ◽  
Widiarti Widiarti ◽  
Wiwik Trapsilowati ◽  
Riyani Setiyaningsih
Keyword(s):  
Case Fatality ◽  
Hemorrhagic Fever ◽  
City Government ◽  
Behavioral Factors ◽  
Chi Square ◽  
Cross Sectional ◽  
Monitoring Procedure ◽  
Quota Sampling ◽  
Chi Square Analysis

Tembalang Subdistrict is still ranked as the first highest IR Dengue in Semarang City in 2014-2016. Incidence rate of dengue in Tembalang Sub District in 2016 was Dengue hemorrhagic fever (DHF) IR 166.89/100,000 population with Case Fatality Rate (CFR) 1.02%. The Semarang City Government has implemented PERDA No.5 of 2010 concerning DHF control with the establishment of special larvae monitoring officers namely Semantik (Semarang Bebas Jentik) and Gasurkes (Health Surveillance Officer) to conduct routine larval monitoring and socialize PSN-3M Plus. However, dengue cases in Tembalang District continue to exist.The purpose of the study was to identify behavioral factors related to monitoring larva presence in Tembalang District, Semarang City. This study is based on the cross sectional method, with quota sampling was used to recruit 100 respondents. The criteria for the case were the latest DHF cases recorded in the Semarang City Health Office Data (January to September 2017). Samples were taken in quota with 100 respondents. Data were analyzed by analytic descriptive using chi-square analysis and odds ratio. The results showed behavioral factors to monitor larvae routinely related to the results of larvae examination (p <0,05) with risk factors OR = 5,02 and form observations obtained ABJ in Tembalang District by 89% in 2017. This needs additional attention in the larva monitoring procedure by Semantics and Gasurkes. The more complete the quality of the larvae examination, the existence of larvae can be eradicated, so that the incidence of DHF can be prevented

Number of Bleeding, Placenta Remaining, and Episiotomy Actions on the Incidence of Puerperal Sepsis

2021 ◽  
Vol 2 (2) ◽  
pp. 134-138
Author(s):  
Sheryl Putri Asri ◽  
Soetimah
Keyword(s):  
Sampling Method ◽  
Analytical Description ◽  
P Value ◽  
Chi Square ◽  
Cross Sectional ◽  
Puerperal Sepsis ◽  
Birth Complications ◽  
Chi Square Analysis ◽  
Postpartum Mothers

It is estimated that 60% of maternal mortality resulting from gestation happened right after giving birth, and 50% of puerperium deaths happened in the first 24 hours. This research aims to know the relation between the amount of bleeding, remaining placenta, and the act of episiotomy to puerperal sepsis cases. This research uses analytical description methods with a cross-sectional approach. The population of this research was the postpartum mothers in puerperal sepsis cases in October – December 2017 at RSAB Harapan Kita Jakarta Barat counted 85 persons. The sampling method used in this research is an accidental sampling method with 32 respondents. The Instruments of this research are medical records and questionnaires with the chi-square analysis method. This research data analysis has the quality of univariate and bivariate, which means knowing about the relation between the amount of bleeding, remaining placenta, and the act of episiotomy to puerperal sepsis cases. This research shows a relation between the amount of bleeding with a p-value (0,035) and OR (7,200). There is a relation between remained placenta variable with a p-value (0,035) and OR (7,200). There is no relation in the act of episiotomy variable with p-value (0,142) and OR (3,500) to puerperal sepsis cases. The researcher suggests RSAB Harapan Kita increase the quality of their health services, mainly socialize information and give education for maternity women about various birth complications, such as bleeding and remaining placenta and sepsis puerperalis's risks.

Personal Attributes and Computer Writing Quality

1995 ◽  
Vol 13 (1) ◽  
pp. 17-26 ◽  
Author(s):  
Randolph T. Barker ◽  
C. Glenn Pearce
Keyword(s):  
Word Processing ◽  
Curriculum And Instruction ◽  
Personal Attributes ◽  
Writing Quality ◽  
Chi Square ◽  
Writing Curriculum ◽  
Age Class ◽  
Chi Square Analysis ◽  
University Undergraduates

This article reports the results of a study testing whether any of seventeen personal attributes related to the quality of documents university undergraduates wrote by hand and on the computer. Chi-square analysis showed significant differences for age, class, and word processing and keyboarding experience. The researchers concluded that some attributes do relate to computer writing quality and suggest further study to benefit computer writers and computer writing curriculum and instruction.

scholarly journals Dietary Habit is Associated With Dysmenorrhea Among Adolescent

2020 ◽  
Vol 9 (2) ◽  
pp. 1359-1369
Author(s):  
Neti Sundari ◽  
Dian Nur Adkhana Sari ◽  
Endar Timiyatun ◽  
Viantika Kusumasari
Keyword(s):  
Negative Impact ◽  
Sampling Technique ◽  
Female Adolescent ◽  
Dietary Habit ◽  
Lower Abdomen ◽  
Chi Square ◽  
High Incidence ◽  
Testing Data ◽  
Chi Square Analysis

Dysmenorrhea is pain during menstruation which is felt in the lower abdomen and back. The high incidence of dysmenorrhea in adolescents still does not get enough concern, even though it can cause a person to become weak, pale, reduce concentration, disturb daily activities,  having a negative impact on quality of life. One of the factors that can cause dysmenorrhea is poor dietary habit. This study aims to analyze the correlation between dietary habit and dysmenorrhea in female adolescents. This type of research is quantitative, the number of samples are 262 respondents  and the sampling technique was accidental sampling. Testing data using the Chi Square analysis test.  From the results of the Chi Square analysis test, it was found that the value of p = 0.005 with a correlation value of 0.011, the study showed that there is a correlation between dietary habit with dysmenorrhea in female adolescent.

scholarly journals STUDI CROSS-SECTIONAL: HUBUNGAN LOKASI SEKOLAH (PEDESAAN DAN PERKOTAAN) DENGAN STATUS GIZI MURID SEKOLAH DASAR

2021 ◽  
Vol 9 (1) ◽  
pp. 33-37
Author(s):  
Rosyanne Kushargina ◽  
Nunung Cipta Dainy
Keyword(s):  
Elementary School ◽  
Nutritional Status ◽  
T Test ◽  
School Students ◽  
Chi Square ◽  
Cross Sectional ◽  
School Location ◽  
And Gender ◽  
Chi Square Analysis ◽  
Almost All

Background: Adequate nutrition plays an important roles for children on school age to developed and maintain their growth and health. Many factors could affect the nutritional status of school children, one of them is the school location.Objectives: To analysis the correlation between school location with nutritional status of elementary school students.Method: The research design used was a cross-sectional design. 80 subjects were observed from two different schools namely SDN 1 Cikelet Garut (Urban) and SDN Pesanggrahan 02 Pagi Jakarta Selatan (Rural). The relationship of school location and gender with nutritional status were analyzed using Chi Square. Independent Sample T-test used to analyze nutritional status based on different locations.Result: In rural there are 25% of children with over nutritional status (weight/age). There are still stunted child both in urban (7.50%) and rural (10%), but based on weight/height nutritional status, almost all subjects in both urban (92.50%) and rural (97.50%) in obese category. Chi Square analysis showed that the school location was significantly related (P 0.05) only with the weight/age nutritional status. Gender is significantly related to height/age nutritional status. The majority of boys (15,4%) are shorter than girls (2,4%). The results of the Independent Sample T-test based on location, showed that the nutritional status of subjects in urban was significantly different (P0.05) from the nutritional status of subjects in rural. In line with this, based in gender there is significantly different (P0.05) in nutritional status between boy and girl.Conclusions: The results of this study indicate that differences in school locations are related to the nutritional status of elementary school students.

scholarly journals Assessment of Mobile Voice Agricultural Messages Given to Farmers of Cauvery Delta Zone of Tamil Nadu, India

2015 ◽  
Vol 11 (1) ◽  
Author(s):  
Ganesan Muthiah
Keyword(s):  
Mobile Phone ◽  
Tamil Nadu ◽  
Sources Of Information ◽  
Chi Square ◽  
Audio Quality ◽  
Survey Results ◽  
Cauvery Delta ◽  
Chi Square Analysis ◽  
Almost All ◽  
Structured Questionnaire

The study describes the assessment of mobile phone based agricultural voice messages disseminated to farmers of Cauvery delta zone in Tamil Nadu, India, during September, 2012 to June, 2013. The present study was conducted in July, 2013 for about 20 days period through telephonic interview using a well structured questionnaire with randomly selected 200 farmers across five districts (Thanjavur, Nagapattinam, Thiruchirapalli, Thiruvarur and Cuddalore of Cauvery delta zone in Tamil Nadu, India). The survey results showed that majority of the farmers have adopted the agricultural information disseminated through their mobile phone. In addition, Chi square analysis showed that the farmers with irrespective of socio economic characteristics such as gender, age, education, land holding and farming experience have adopted the agricultural information. More than half of the farmers had expressed that either all or most of the agricultural information were useful. Majority of them had expressed the information received on their mobile phone were trust worthy. With reference to satisfaction level of farmers, almost all the farmers were very satisfied with audio quality, simplicity of language and contents of voice messages. Majority of the farmers’ have indicated that the mobile voice messages were of better as compared to other sources of information that they were accessing.

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