E-Marketing in Islamic Banks: A Theoretical Study in the Exploitation of Social Media in Islamic Banking Services

There was a need to study some efforts and marketing strategies to build a wide awareness of e-marketing in Islamic banks. E-marketing can be adopted as a marketing approach in promoting Islamic banking products and services. Based on this, this research aims to identify the electronic banking services provided by Islamic banks, to identify the extent of the spread of these services, and to know the obstacles to adopting electronic marketing in Islamic banks. To achieve the objectives of the current study, the research methodology will depend on the following: Theoretical aspect: In this study, the descriptive analytical method was used to study the obstacles to adopting e-marketing in Islamic banks, where it was relied on books, periodicals, literature, pamphlets, references, previous studies, and other published researches related to the topic studying. The results revealed that in order to increase literacy and inclusion and expand the market share of Islamic banking products and services, digital marketing plays a role in building public trust, supporting traditional marketing, developing digital campaigns, and mapping target markets. The research recommends that banks should continue to improve their electronic banking services and ensure that these services are free and easy to use to suit all customers' requirements, and that the banking service provider monitors developments in the world of technology, and that the full picture of electronic banking services is improved by banks.

The Impact of the Quality of Electronic Banking Services in Achieving Customer Satisfaction from the Point of View of Al Rajhi Bank Customers

This study aims to identify the effect of the quality of electronic banking service in achieving customer satisfaction of Al Rajhi Bank in Al Dawadmi branch by studying the dimensions of the quality of electronic banking services including tangibility, reliability, safety, empathy and response. The population of study consists of customers benefiting from the services of Al Rajhi Bank in the Kingdom of Saudi Arabia. A questionnaire was distributed to 100 individual customers of the Al Rajhi Bank. The data were, then, collected and analyzed using the SPSS statistical analysis program. The results have revealed that all the dimensions of the quality of electronic banking services namely, tangibility, reliability, safety, empathy and response are significantly related to customer satisfaction in Al Rajhi Bank. This study provides important recommendations that hopefully intended to help the bank promote the quality of banking electronic services.

Consumer Intentions to Use Electronic Banking Channels: The Role of Task-Channel Fit

<p>The increase in electronically mediated self-service technologies in the banking industry is changing the way banks service consumers. Despite a large body of research on electronic banking channels, no study has been undertaken to explore the importance of the fit between electronic banking channels and banking tasks. Nor has there been research into how task-channel fit and other factors influence consumer intentions to use electronic banking channels. Integrating task-technology fit theory with acceptance and adoption research, this research develops and tests a research model that explains how the task-channel fit (TCF) and other factors impact on consumers' intentions to use electronic banking channels. An exploratory study was first conducted, investigating industry experts' perceptions towards the concept of task-channel fit of electronic banking channels. The findings demonstrate that the concept was perceived as being highly relevant by bank managers. A research model was then developed drawing on the existing literature on electronic banking channels. Following this, five exploratory focus groups were conducted in order to assess the initial conceptualization of the research model. Subsequently, a survey questionnaire instrument was developed using judgment rounds and two pretest evaluations. Central to the scale development was the measurement of the TCF construct. Drawing on IS strategy and alignment literatures, a parallel instrument was created in order to determine TCF across several unique dimensions. A pilot study assessed responses from 280 consumers using Internet banking for two different banking tasks. Overall, the scales demonstrated high reliability and showed adequate construct validity. The analysis of the pilot study suggested that the TCF construct and other antecedents of consumer intentions to use Internet banking explained a substantial amount of variance in the dependent variable. The scales were refined in light of the pilot study. In the main study, 340 responses were collected from consumers using Internet banking for account inquiries or financial loans. The results showed that the TCF construct was a strong predictor of consumers' perceptions on the usefulness of Internet banking and their attitudes towards these services for both banking tasks. Overall, the TCF construct and other identified variables accounted for at least 63% of variance in the dependent variable.</p>

Consumer Intentions to Use Electronic Banking Channels: The Role of Task-Channel Fit

<p>The increase in electronically mediated self-service technologies in the banking industry is changing the way banks service consumers. Despite a large body of research on electronic banking channels, no study has been undertaken to explore the importance of the fit between electronic banking channels and banking tasks. Nor has there been research into how task-channel fit and other factors influence consumer intentions to use electronic banking channels. Integrating task-technology fit theory with acceptance and adoption research, this research develops and tests a research model that explains how the task-channel fit (TCF) and other factors impact on consumers' intentions to use electronic banking channels. An exploratory study was first conducted, investigating industry experts' perceptions towards the concept of task-channel fit of electronic banking channels. The findings demonstrate that the concept was perceived as being highly relevant by bank managers. A research model was then developed drawing on the existing literature on electronic banking channels. Following this, five exploratory focus groups were conducted in order to assess the initial conceptualization of the research model. Subsequently, a survey questionnaire instrument was developed using judgment rounds and two pretest evaluations. Central to the scale development was the measurement of the TCF construct. Drawing on IS strategy and alignment literatures, a parallel instrument was created in order to determine TCF across several unique dimensions. A pilot study assessed responses from 280 consumers using Internet banking for two different banking tasks. Overall, the scales demonstrated high reliability and showed adequate construct validity. The analysis of the pilot study suggested that the TCF construct and other antecedents of consumer intentions to use Internet banking explained a substantial amount of variance in the dependent variable. The scales were refined in light of the pilot study. In the main study, 340 responses were collected from consumers using Internet banking for account inquiries or financial loans. The results showed that the TCF construct was a strong predictor of consumers' perceptions on the usefulness of Internet banking and their attitudes towards these services for both banking tasks. Overall, the TCF construct and other identified variables accounted for at least 63% of variance in the dependent variable.</p>

ORGANIZING INTERNAL CONTROL OVER ELECTRONIC BANKING SYSTEMS

The contribution of technology in the field of banking led to a qualitative shift in the nature of banking and in the mechanism of providing banking services. Electronic banking services have achieved many benefits for both the bank and the customer. In the context of the Russian banking market, the article shows that there is an upward trend in increasing the volume and number of electronic banking transactions executed. The article focuses on the nature of electronic banking services and the new risks that came with them, and highlights the importance of internal control in controlling these risks and reducing them as much as possible. It proposes a development mechanism for internal control, guided by several factors.

Automation Of Issuing Process Of Permit To Use Roads By Abnormal Transport

Since the end of 2017 the Lithuanian Road Administration (LRA) has taken over the authority to issue permits for oversized and heavy vehicles using the national significance roads from the former State Road Transport Inspectorate. LRA has launched a pilot project for automated authorising system, in which application is submitted by filling electronic form and providing a driving route on a map. The route in most cases is automatically approved by the system. If there are any restrictions on the route or in case of larger parameters of a vehicle, an LRA specialist shall review it. Upon coordination, the system automatically calculates a charge for the use of roads by abnormal transport and informs the applicant. The applicant pays this charge via electronic banking, and the system automatically issues a permit (such payments make up to 90 %). If the charge is paid by standard transfer, the system automatically issues a permit after LRA employee registers payment details.

Analysis of the state of electronic banking services in the Arab countries

The analysis of the provision of electronic banking services in Arab countries has been performed. The banking sector is an important part of the economy in any country, however in the Arab countries there are certain problems in the application of the concept of electronic banking. The purpose of this study is a comparative analysis of approaches to the application of information and communication technologies in the banking sector in Algeria, the United Arab Emirates and Syria, identification of the features and bottlenecks in the development of electronic banking services.It has been shown that in order to develop a strong economy and provide quality services that meet customer needs, Arab countries are clearly keen to implement the concept of electronic banking in their banks, but there are still some obstacles which prevent them from competing with international financial organisations. On the other hand, there are several successful scenarios for providing electronic services around the world, for example, the experience of the United Arab Emirates, Algeria, Lebanon and other Arab countries.To assess the level of use of electronic services by the Syrian population at the present time, the authors conducted a survey of clients of the Syrian state and private banks. Based on the survey results, it has been concluded that customers are interested in receiving services in electronic form, but this is hindered by the political situation in the country and a number of other problems. General conclusions have been made about the priority of measures that should be taken at the state level in order for Arab banks to meet modern trends in the financial sector.

Penggunaan Fasilitas E-Banking Dalam Minat Nasabah Studi Kasus Pada PT. BRI Syariah Kantor Cabang Pembantu Stabat

This study proposes a qualitative analysis of the use of E-Banking Facilities in the Interests of Customers. Case Study at PT. BRI Syariah Stabat Sub-Branch Office with a focus on the problem, namely what are the e-banking channels available at PT. BRI Syariah Stabat Sub-Branch Office, what are the benefits for customers using the e-banking channel facilities available at PT. BRI Syariah Stabat Sub-Branch Office, and what are the obstacles in e-banking channel services found at PT. BRI Syariah Stabat Sub-Branch Office. This type of research is a field research (field research) which is a case study using a descriptive qualitative approach and the process of inferring research results by inductive thinking, the method used is a qualitative method, namely a research strategy that uses more and collects in-depth information on the phenomenon being studied. researched. This analysis is carried out by examining and examining in depth the data obtained, in order to obtain conclusions that can be accounted for in scientific studies. Based on the results of research in the field, it is known that the Electronic Banking channels at PT. BRI Syariah Stabat Sub-Branch Offices are BRIS e-banking, smsBRIS, mobile BRIS, CMS BRIS (Cash Management System), BRIS e-form and BRIS Laku Pandai. The advantages received by customers in using BRIS e-banking are banking transaction service facilities through the internet network that can be accessed for 24 hours, BRIS SMS makes it easy for customers to top up credit, pay bills, transfers to pay Zakat, Infaq and Shodaqah, Mobile BRIS allows Customers obtain banking information using their cellphones, the BRIS CMS (Cash Management System) facilitates electronic services that provide services in the form of customer financial transactions, the BRIS e-form makes it easy to open a Faedah Savings account at BRI sharia through online, Laku Pandai BRIS facilitates banking and/or services other financial services that are carried out not through office networks, but through collaboration with other parties and need to be supported by the use of information technology facilities. The obstacles that occur to customers in the use of Electronic Banking facilities at PT. BRISyariah Stabat Sub-Branch Office, namely the customer's ability to use technology due to the lack of public knowledge about e-banking facilities and the sometimes unsupportive network also makes it difficult for customers in some areas to access networks such as in rural areas, causing customers to still choose transact by visiting the branch office