scholarly journals Determinants of Internet Banking Adoption by Banks in Pakistan

2017 ◽  
Vol 4 (4) ◽  
pp. 12 ◽  
Author(s):  
Muhammad Ali Raza ◽  
Muhammad Naveed ◽  
Shoaib Ali
Keyword(s):  
Panel Data ◽  
Market Share ◽  
Banking Industry ◽  
Internet Banking ◽  
The Internet ◽  
Adoption Decision

Current study has been conducted to determine the factors those affect the internet banking adoption decision of banks in Pakistan. Logit Probit has been used to analyze the Panel data of twenty five banks in Pakistan, covering the financial year of 2006 to 2015. The results showed that six variables deposits, expenses, market share, spread and wages found significant association with internet banking adoption decision but others were found insignificant. Study found that most of the factors have affected the adoption decision of banking industry in Pakistan.

Perceived Security as Trust Indicator in Adoption of Internet Banking in a Developing Country

2015 ◽  
Vol 6 (3) ◽  
pp. 35-49
Author(s):  
Mamta Sareen
Keyword(s):  
Banking Industry ◽  
Internet Banking ◽  
Internet Technology ◽  
The Internet ◽  
Empirical Validation ◽  
Research Model ◽  
Banking Services ◽  
Perceived Security ◽  
Potential Benefits ◽  
Low Rate

Internet Banking is becoming an important channel for banks to deliver banking services to their customers. In view of the potential benefits of Internet banking, banks are making heavy investments in building infrastructures, to offer to their customer's facilities for transacting with the bank online. While the Internet technology holds the potential to fundamentally change banks and the banking industry, it is still haunted by low rate of adoption by bank customers due to perceived risks in transacting in the virtual environment of Internet. This study makes a modest attempt to find the various factors/components of security that influences the user's security perception which in turn acts like a trust indicator towards adoption of Internet banking and proposes a research model for the same. This paper presents the empirical validation of the research model proposed through a survey of 107 internet banking users.

scholarly journals Pengujian faktor anteseden pada loyalitas pengguna internet banking

2020 ◽  
Vol 2 (2) ◽  
pp. 63-74
Author(s):  
Agustinus Widyartono ◽  
Andreas Sardjono
Keyword(s):  
Path Analysis ◽  
Customer Loyalty ◽  
Banking Industry ◽  
Internet Banking ◽  
Shared Values ◽  
The Internet ◽  
Shared Value ◽  
Banking Service ◽  
The City ◽  
Clear Information

This study aims to prove the influence of shared value and communication carried out by banking industry actors on the internet banking service to customer loyalty by trust mediation. The survey that will be conducted in this study includes the users of internet banking in the city of Palembang. The method that will be used in this research is to use path analysis. This research proves that the value shared and communication significantly influence trust. This study also proves that trust is a variable that mediates the effect of shared values ​​on loyalty. The communication factor in which the internet banking application is used is able to convey clear information to customers and this will increase customer confidence in the application. Besides that, customers also have and get value for internet banking applications to make customers more confident or trust in the application.

scholarly journals Evaluation and Prioritization of Internet Banking Service Quality: The Case of Egypt

2014 ◽  
Vol 8 (3) ◽  
pp. 1392-1404
Author(s):  
Miran Ismail Hussien ◽  
Rasha Abd El Aziz
Keyword(s):  
Service Quality ◽  
Financial Services ◽  
Service Sector ◽  
Banking Industry ◽  
Internet Banking ◽  
The Internet ◽  
Human Beings ◽  
Support Tool ◽  
Banking Service ◽  
Wide Range

Changes in technology made a paradigm shift in the banking industry. Technology itself created its world in the globe of human beings. Internet banking is a service that allows customers to perform a wide range of financial services through a banks website. With the rapid diffusion of the Internet, web-based banking has become an alternative channel to provide banking services and products. Due to the deepness of technology in the service sector, there is a shift from the traditional service quality to electronic service quality (ESQ) in order to fit the Internet banking strategy. The aim of the paper is to rank and prioritize the Internet Banking Service Quality dimensions according to customers relevant importance from both bank sectors namely, private and public banks using Analytic Hierarchy Process (AHP) model, which is a structured technique for organizing and analyzing complex decisions. AHP has been seen as a high potential decision support tool in banking industry.

scholarly journals The Influence of Market Structure in Indonesian Banking Performance

JEJAK ◽  
2020 ◽  
Vol 13 (1) ◽  
pp. 120-134
Author(s):  
Maal Naylah ◽  
Cahyaningratri Cahyaningratri
Keyword(s):  
Data Analysis ◽  
Panel Data ◽  
Market Structure ◽  
Market Share ◽  
Negative Correlation ◽  
Commercial Banks ◽  
Banking Industry ◽  
Panel Data Analysis ◽  
Effect Model ◽  
Efficiency Hypothesis

There are three hypotheses about structure-conduct-performance paradigm; traditional hypothesis, differentiation hypothesis and efficiency hypothesis. The objective of this research is to examine how strong the influence of market structure in banking performance. This study uses the fix effect model by applying the Weiss model. This research also tries to prove whether market share and concentration in the banking industry as a proxy to efficiency. The result of the panel data analysis conducted on a sample of 15 biggest commercial banks over the period from 2009 to 2018 is strongly reject the traditional hypothesis. The empirical findings suggest that market concentration has a negative correlation between profitability, it means that Indonesian banking industry strongly reject the traditional hypothesis and support efficiency hypothesis and there is a positive correlation between market share and profitability, supports the differentiation hypothesis.

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

scholarly journals Ageism Kills Brands

2021 ◽  
pp. 183933492110173
Author(s):  
Zachary William Anesbury ◽  
Steven Bellman ◽  
Carl Driesener ◽  
Bill Page ◽  
Byron Sharp
Keyword(s):  
Panel Data ◽  
Market Share ◽  
Household Panel Data ◽  
The Relationship ◽  
Physical Availability

Market share growth requires building mental and physical availability among all category buyers. However, if younger category buyers are more likely to purchase new-to-market products, then perhaps younger buyers are, relatively speaking, more important for growth. This research investigates the relationship between category buyer age, brand buyer age, and brand failure. When sub-brand buyer age is younger than category buyer age, the sub-brand is likely to be (a) new-to-market or (b) growing in market share. Older-than-category sub-brand-buyer age is likely for sub-brands that are (a) declining or (b) dead. Results from 17 years (1998–2014) of U.K. household panel data, including 5,913 sub-brands from 101 categories, show that age skews were uncommon (only 18% of sub-brands), and second, that growing, stable and declining sub-brands appealed equally to all ages. Finally, we identified that new launches and dead brands tend to skew to younger consumers, suggesting that new launches need to appeal to all ages to avoid failure.

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