Study on Internet Banking Services of Commercial Banks in Nepal

Most of the banks and financial institutions of Nepal have been moving towards the e-Banking system as all of them want to increase customer satisfaction and relationship (especially in terms of time), scope, and transaction facilities. The scope of this study is to analyze different Internet banking services and their parameters provided by commercial of Nepal. The study used a questionnaire by using Google Form, which was provided to the respondents in their email addresses for primary data collection. A sample of four respondent’s banks, from 27 banks(Nepal Rasta Bank 2021) and different 18 attributes were taken to analyze their performance. The comparative study is done by analyzing different Internet banking services and their parameters provided by commercial banks such as Transaction-Intra and Interbank, Merchant tie-up, Wallet Support, Utility payment, Transaction cost, Transaction Limit, and IPS connectivity by using bar charts analysis. The study shows that there are no single parameters that can be used to compare the services. Thus, the model of study proposed here is helpful for the comparison of services of financial institutions. Further, the model can be implemented to compare any kind of services in any service-oriented organizations.

Growth and Factors Affecting the Uses of e-banking Services in India

The banking sectors and bankers have started using advanced technology to deliver banking services. In the e-banking, banks are using modern technology for banking activities and operations to provide good quality of services to their customers. This study is based on primary as well as secondary data. A five-point likert scale was used as a quantitative measure to understand consumer’s perception and factor affecting uses of e-banking services. The study found that, the uses of e-banking services like mobile banking, credit card facility and internet banking services are becoming popular in recent period and the comfortable level is higher with the ATM and debit card facility whereas customers are not comfortable while using internet banking services. The major reasons for less use of e-banking services are connectivity problem, less number of ATMs and ignorance of staff members. So, there is a need to increase infrastructure facilities and financial institutions should take initiatives for staff training and awareness related activities to increase uses of e-banking services.

An Empirical Study of User Acceptance Behaviours of Internet Banking in Tunisia Using UTAUT2 Model

The conceptual model proposed was based on the extended unified theory of acceptance and use of technology (UTAUT2). The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, effort expectancy, social influence, and facilitating conditions show a significant positive impact on the users' behavioural intention to use internet banking services. However, price value, hedonic motivation, and habit do not positively influence the behavioural intention. This study offers Tunisian banks some guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

e-RUPI: A Purpose Specific Digital Voucher

e-RUPI is an advanced online resolution that has been launched by the National Payments Corporation of India (NPCI) in collaboration with the Department of Financial Services, Ministry of Health and Family Welfare, National Health Authority, and partner banks. It is just like a prepaid voucher that can be used by users to redeem an amount without a card, online payment application, or without accessing internet banking services. The present learning has explored the existing literature and aimed to discuss the merits and demerits of this emerging prepaid voucher, in the period of the COVID-19 pandemic. It has been found that the e-RUPI initiative of the Modi government will be fruitful for the beneficiaries as they will receive a direct benefit. It will be reliable and secure for both companies and customers. It suffers from ICT-related risks such as cyber fraud, hacking, lack of efficiency, and attitude of people towards adoption of this new resolution.

Acceptance of Internet Banking in Tunisian Banks

The purpose of this study is to examine the factors which affect internet banking adoption acceptance in Tunisian banks by using the modified unified theory of acceptance and use of technology (UTAUT) model by adding attitude, trust, perceived risk, and perceived internet banking services quality. The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, attitude, facilitating conditions, social influence, and perceived internet banking services quality show a significant positive impact on the users' behavioural intention to use internet banking services. This study contributes to the literature by providing a new research model for understanding internet banking adoption in Tunisia, and its findings provide useful guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

DEVELOPMENT OF INTERNET BANKING AT THE MODERN STAGE IN RUSSIA

The article assesses the level of development of Internet banking at the present stage in Russia. The rating of banks' efficiency is analyzed and the legal framework governing the functioning of Internet banking is outlined. It has been suggested that under the influence of the pandemic, the development of Internet banking services has significantly accelerated, which is confirmed by the pandemic and quarantine measures of 2020. Also, the main problems of Internet banking were identified and prospects for its further development in Russia were identified.

The post-adoption behavior of internet banking users through the eyes of self-determination theory and expectation confirmation model

PurposeIn this era of digital technology, the banking sector has revolutionized its operations by using web-based Internet banking services. However, the success of these financial services is dependent on Internet banking user continuance intention instead of initial adoption. The current study develops a theoretical framework based on three well-known theories, namely the expectation–confirmation theory, self-determination theory (SDT) and the commitment trust theory, to investigate Internet banking user continuance intention towards use of Internet banking services.Design/methodology/approachFollowing positivist paradigm, a research survey was conducted towards Internet banking users of commercial banks. In response, 355 valid observations were retrieved and used for data analysis. For data analysis, this study has used a latest statistical approach, namely structural equation modelling (SEM).FindingsThis study has confirmed that factors underpinning the commitment trust theory, SDT and expectation–confirmation model have significant impact on Internet banking user continuance intention. The research model explained 68.4% of variance in determining Internet banking user continuance intention, which is substantial. The effect size analysis (f2) indicates that perceived usefulness is the most important factor among all other exogenous variables. The predictive relevance of the research model was found substantial Q2 50.3%. These findings confirmed that the research model has substantial power to predict Internet banking user continuance intention.Practical implicationsFrom a managerial perspective, findings of this research give deeper insight into financial advisors, bank managers and policy- makers to understand human motivation and expectation–confirmation factors in order to retain customers and gain return on Information Technology (IT) investment. Additionally, results suggest that attention should be given on user trust, which in turn boosts user intention towards continuance use of Internet banking services. Extension of the self-determination framework contributes to theory and augments e-commerce literature, especially in a post-adoption setting.Originality/valueThere are several studies that investigate Internet banking user pre-adoption behaviour. Therefore, less is discussed about the Internet banking user’s post-adoption behaviour. Findings of this study help financial advisors to comprehensively understand which factor influences Internet banking user behaviour towards continue use of Internet banking services.