Hasil untuk "Banking"

B. Unel

A. Alalwan, Yogesh Kumar Dwivedi, Nripendra P. Rana

The study examines the factors influencing behavioral intentions and adoption of Mobile banking by Jordanian bank customers.The study uses extended unified theory of acceptance and use (UTAUT2) as a basic model.The data were collected by conducting a field survey and was completed by 343 customers from Jordanian banks.All the hypotheses except for social influence on behavioral intention to adopt Mobile banking were found significant.The variance explained by the model in behavioral intention was found as 65%. Banks seem to be one of the most business that are really interested in such systems to provide their customers better services as well as to enhance their effectiveness and efficiency. However, the successful implementation of Mobile banking largely depends on the extent of how much customers are fully motivated to adopt it. In fact, over the Jordanian context, the adoption rate of mobile banking is very low and quite few studies that have examined the related issues of mobile banking. Thus, the purpose of this study is to investigate the factors influencing behavioural intention and adoption of Mobile banking by customers of Jordanian banks. The proposed model has assimilated factors from the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with trust. Data was collected by conducting a field survey questionnaire completed by 343 participants. The results mainly showed that behavioural intention is significantly and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value and trust. This study also looking forward to providing the Jordanian banks with applicable guidelines for effectively implementing and designing Mobile banking. Furthermore, research limitations and future directions will be discussed further in the last section.

A. Thakor

This paper is a review of fintech and its interaction with banking. Included in fintech are innovations in payment systems (including cryptocurrencies), credit markets (including P2P lending), and insurance, with blockchain-assisted smart contract playing a role. The paper provides a definition of fintech, examines some statistics and stylized facts, and then reviews the theoretical and empirical literature. The review is organized around four main research questions. That paper summarizes our knowledge on these questions and concludes with questions for future research.

P. Gain, R. Jullienne, Zhiguo He et al.

Ahmad Mustapha, A. Sinha

The cyberfraud techniques emerged as a significant threat to the banking sector in Nigeria. Bank customers have been losing their hard-earned funds to these measures due to a lack of sufficient awareness of the cyberfraud tactics and preventive measures. There has been an increased rate of loss recorded annually in the banking sector due to fraud. The banking sector in Nigeria recorded a loss to a tune amount of ₦17.6bn in 2023 amount higher than the budget allocation for education in most states of the country. Social engineering remains the persistent and predominant technique fraudsters employ to defraud bank customers in Nigeria. Phishing, identity theft, login credential theft, ATM card swap, and skimming are other techniques cybercriminals employ. This research paper aims to examine and analyze the modus operandi of these techniques and explore the strategic preventive measures that can be implemented by customers to mitigate these risks, such as using advanced cybersecurity technologies, multi-factor authentication systems, employee training, as well as regulatory controls. The paper highlights the significance of a proactive and adaptive cybersecurity posture, continuous monitoring, and collaboration with regulatory bodies to enhance the resilience of the banking sector against cyber threats. The research focuses more on cyberfrauds targeting bank customers, and secondary data will be used for research purposes.

Ming-Chi Lee

V. Murinde, Efthymios Rizopoulos, Markos Zachariadis

The financial technologies (FinTech) revolution is in full swing globally. In this paper, we review the burgeoning literature on FinTech and FinTech-enabled services, focusing on the opportunities and risks for banks. Using high quality bank level data from 115 countries around the world for the past 16 years, we compute statistical moments of some key indicators of the changing banking landscape in the FinTech era. Our preliminary findings suggest that it is unlikely that FinTech lenders will replace banks, perhaps because banks are developing their own FinTech platforms or working with FinTech start-ups. We also showcase how regulation, global infrastructures and geopolitical frictions will shape the future of banking. We identify some promising research ideas;we also summarize some key implications, from existing research, for policy makers and practitioners.

S. Sharma, Manisha Sharma

Abstract Mobile banking (m-banking) has emerged dynamically over the years due to consumers' increased use of mobile technologies, their ever-growing lifestyle choices and also the several different economic factors. This paper proposes a new research model by extending the DeLone & McLean information systems (D&M IS) success model to understand users’ actual usage of m-banking. The research model was tested and validated using data collected by survey from 227 Omani residents. This study employed a two-staged analytical approach by combining structural equation modeling and neural network analysis. The results divulge that satisfaction and intention to use stand as two important precedents of actual usage, and the satisfaction also mediates the relationship between service quality, information quality and trust with intention to use m-banking and negates with that of system quality. We have provided the theoretical as well as practical implications of the findings.

G. Kaminsky, Carmen M. Reinhart

Arnoud Boot

M. C. Keeley

Randolph P. Beatty, J. Ritter

Karen A. Bantel, S. Jackson

Zhuo Chen, Zhiguo He, C. Liu

Abstract The upsurge of shadow banking is typically driven by rising financing demand from certain real sectors. In China, the 4 trillion yuan stimulus package in 2009 was behind the rapid growth of shadow banking after 2012, expediting the development of Chinese corporate bond markets in the poststimulus period. Chinese local governments financed the stimulus through bank loans in 2009 and then resorted to nonbank debt financing after 2012 when faced with rollover pressure from bank debt coming due. Cross-sectionally, using a political-economy-based instrument, we show that provinces with greater bank loan growth in 2009 experienced more municipal corporate bond issuance during 2012–2015, together with more shadow banking activities including trustloans and wealth management products. China’s poststimulus experience exhibits similarities to financial market development during the US National Banking Era.

A. Baabdullah, A. Alalwan, Nripendra P. Rana et al.

Abstract Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population.

Mohamed Merhi, K. Hone, A. Tarhini

Abstract This study aims to examine the key factors that may hinder or facilitate the adoption of mobile banking services in a cross-cultural context. A conceptual framework was developed through extending the Unified Theory of Acceptance and Use of Technology UTAUT2 by incorporating three additional constructs, namely trust (TR), security (PS) and privacy (PP). Data were collected using an online survey and a self-administrated questionnaire from 901 mobile banking users who were either Lebanese or English. These were analysed using structural equation modelling based on AMOS 23.0. The results of this analysis indicated that behavioural intention towards adoption of mobile banking services was influenced by habit (HB), perceived security (PS), perceived privacy (PP) and trust (TR) for both the Lebanese and English consumers. In addition, performance expectancy (PE) was a significant predictor in Lebanon but not in England; whereas price value (PV) was significant in England but not in Lebanon. Contrary to our expectation, Social Influence (SI) and Hedonic Motivations (HM) were insignificant for both the Lebanese and English consumers. Overall, the proposed model achieved acceptable fit and explained 78% of the variance for the Lebanese sample and 83% for the English sample – both of which are higher than that of the original UTAUT2. These findings are expected to help policy makers and bank directors understand the issues facing mobile banking adoption in different cultural settings. Subsequently, they will help guide them in formulating appropriate strategies to improve the uptake of mobile banking activities. As the low mobile banking adoption rate in Lebanon can be attributed to the novelty of this technology, the Lebanese banking sector stands to greatly benefit from this study.

Guodong Long, Yue Tan, Jing Jiang et al.

Open banking enables individual customers to own their banking data, which provides fundamental support for the boosting of a new ecosystem of data marketplaces and financial services. In the near future, it is foreseeable to have decentralized data ownership in the finance sector using federated learning. This is a just-in-time technology that can learn intelligent models in a decentralized training manner. The most attractive aspect of federated learning is its ability to decompose model training into a centralized server and distributed nodes without collecting private data. This kind of decomposed learning framework has great potential to protect users' privacy and sensitive data. Therefore, federated learning combines naturally with an open banking data marketplaces. This chapter will discuss the possible challenges for applying federated learning in the context of open banking, and the corresponding solutions have been explored as well.

S. Raza, Amna Umer, M. A. Qureshi et al.

PurposeThis study explores the service quality dimensions in Internet banking and their impact on e-customer’s satisfaction and e-customer’s loyalty. This study tries to inspect the structural association between Internet banking service quality, electronic customer satisfaction and electronic customer loyalty based on separate constructs.Design/methodology/approachIn this present research, quantitative approach is applied. The data is gathered from 500 bank clients in Pakistan by using structured questionnaires, and the theoretical model is tested by partial least square structured equation modeling (PLS-SEM). Moreover, convergent validity and discriminant validity were assessed.FindingsResults show that all the dimensions are found to have a positive and significant influence on customer satisfaction while customer’s satisfaction has a significant and positive impact on customer’s loyalty. Findings indicate that service quality plays a very important role in every society, as it has become the basis for how customers interpret online banking and, in the end, how it interacts and operates with online services.Practical implicationsThis research adds up considerably to the literature of bank marketing, and it is also fruitful for the academicians since it demonstrates the way Internet banking service quality determinants predict e-satisfaction of clients which ultimately raises the e-loyalty of clients. This study is useful for those E-retailers and managers who want to grab e-retailing market.Originality/valueThis research suggests a model which ultimately enhances customer loyalty towards Internet banking service quality through customer satisfaction in Pakistan. It involves modified model of E-SERVQUAL (user friendliness, efficiency of websites, personal need, and site organization) which connects it to electronic customer satisfaction and electronic customer loyalty. Therefore, it will assist the Internet banking sector in building effective marketing tactics, establishing long lasting relationships with clients and acquiring the competitive edge in the market.

Marwa Elnahass, Vu Quang Trinh, Tengxiao Li

The ongoing Covid-19 pandemic has been exerting negative effects on several economies in 2020. Therefore, it is of paramount importance to examine the impact of this pandemic on the global banking stability and to assess any potential recovery signals. This study is timely, in that we consider 1090 banks from 116 countries for quarterly periods across 2019–20. The results provide strong empirical evidence that, in the global banking sector, the Covid-19 outbreak has had detrimental impacts on financial performance across various indicators of financial performance (i.e., accounting-based and market-based performance measures) and financial stability (i.e., high-risk indicators including default risk, liquidity risk and asset risk). These results are consistently observed for various regions, countries (US, China and others), and different bank-level characterises, and across income-generation levels among countries. We also find differential effects of the pandemic on alternative banking systems (i.e., conventional and Islamic). Moreover, our trend analysis, based on bank average performance and financial stability over quarterly periods, identifies a signal of recovery for bank stability during the second quarter of 2020. The findings presented in this study offer important financial observations and policy implications to many stakeholders engaging with global banking.

N. Windasari, Nurrani Kusumawati, Niken Larasati et al.

Currently, most traditional banks provide digital services and the government encourages people to use cashless payments in their everyday life, particularly during the pandemic when the demand for avoiding physical encounters is getting higher. There is a growing trend in the development of digital-only banks, a fully virtual bank without individual physical branches where all banking activities operate through mobile applications. Fully virtual operations change how individuals experience the service, and subsequently, their consumption and fi nancial habits. This research explores the experiential factors affecting digital-only banking services among the generation Y and Z. A mixed-method approach was applied using semi-structured interviews and empirical surveys. We interviewed 20 respondents to explore customers ' experiences, followed by a survey to test the hypotheses developed from the proposed factors to 402 respondents aged 17 − 35 who used digital banking in the past six months. We analyzed the relationship of eight variables when using digital-only banking: economic value, ease of use, social in fl uence, fi rm reputation, promotion, features, curiosity, and reward. Results show that all variables except curiosity and sales promotion signi fi cantly impact intention to use digital-only banking. Creating an attractive and simple digital banking interface is important to support an ease-of-use experience for customers. However, to ensure positive customer experiences, other factors must be applied, such as rewards, unique features, and positive word-of-mouth. © 2022 The Authors. Published by Elsevier España, S.L.U. on behalf of Journal of Innovation & Knowledge. This is an open access article under the CC BY license (http://creativecommons.org