Journal articles: 'Banking Behaviour'

1

Sheedy, Elizabeth, and Martin Lubojanski. "Risk management behaviour in banking." Managerial Finance 44, no. 7 (July 9, 2018): 902–18. http://dx.doi.org/10.1108/mf-11-2017-0465.

Full text

Abstract:

Purpose Risk management is now considered the responsibility of all financial services professionals, not just senior leaders or risk specialists. Very little is known about the role of staff in risk management, so the purpose of this paper is to, first, clarify what constitutes “desirable” risk management behaviour by financial services staff based on the practitioner and regulatory literature. Based on this understanding, the authors analyse the characteristics of those who are most likely to display such behaviour. Design/methodology/approach The paper analyses some 36,000 survey responses across ten banks headquartered in Anglo countries. Findings Desirable risk management behaviour at the employee level includes compliance but goes well beyond mere compliance to include speaking up, thoughtful engagement with and accountability for the risk management framework. The authors find a significant negative association between individual risk tolerance and desirable risk management behaviour. Older workers as well as those with greater seniority are more likely to report desirable risk management behaviour. The link between female gender and risk management behaviour is not supported after controlling for individual risk attitudes. The authors provide evidence that females who succeed in financial services do not conform to traditional female stereotypes. Practical implications Findings suggest financial institutions should hire/retain more older workers and those with lower risk tolerance to improve risk management. Hiring more females, however, is not likely to lead to better risk management. Originality/value The paper is the first to investigate risk management behaviour in financial services staff. The research exploits a unique, difficult to obtain data set.

APA, Harvard, Vancouver, ISO, and other styles

2

Ali, Qaisar, and Shazia Parveen. "Islamic Bankers Green Behaviours and Its Impact on Green Banking Growth." Asia Proceedings of Social Sciences 1, no. 4 (November 14, 2018): 80–84. http://dx.doi.org/10.31580/apss.v1i4.289.

Full text

Abstract:

This study focuses to categorise the types of green behaviours among Islamic bankers and the impact of these behaviours on the growth of green banking in Malaysia. The data was collected through a self-administrated survey questionnaire. McConnaughyâ€™s (2014) behavioural framework was adopted as a measurement scale. The findings prove that all five types of behaviours (conservation, work sustainability, avoiding harm, influencing others and taking initiative) of Islamic bankers have a significant positive impact on the growth of green banking. Particularly, taking initiative was the most influential behaviour for the growth of green banking. The major limitation of this study is the data collection from limited participants which is not an ideal scenario to generalise these findings. The findings are robust to develop green banking regulations, to shape a better green behaviour of Islamic bankers and to enhance green banking growth in Malaysia.

APA, Harvard, Vancouver, ISO, and other styles

3

Sikarwar, Tarika Singh. "Social Influence and Individual Financial Behavior for Digital Banking: A Causal Study." International Journal of Accounting and Financial Reporting 9, no. 4 (October 11, 2019): 242. http://dx.doi.org/10.5296/ijafr.v9i4.15905.

Full text

Abstract:

Digital banking is a buzz word these days. There are many factors responsible for the adoption and usage of digital banking. The study is being done to known the factors of social influence, financial behaviour. The study had been done to check the causal association between these study variables in context of digital banking. The results showed presence of association between “social influence” and individual “financial behaviour” for digital banking where in “values” and belief are having mediating role. The “Values” and belief of the individual are influenced by the society in which individual lives and in turn they affect the “financial behaviour” of an individual. The outcomes of the study will aid the to know the role of “Social Influence” via “values” and belief on individual financial behavior specifically related to digital banking platforms or transactions.

APA, Harvard, Vancouver, ISO, and other styles

4

Han, Liang. "Bricks vs clicks: entrepreneurial online banking behaviour and relationship banking." International Journal of Entrepreneurial Behavior & Research 14, no. 1 (January 18, 2008): 47–60. http://dx.doi.org/10.1108/13552550810852820.

Full text

APA, Harvard, Vancouver, ISO, and other styles

5

Alhazemi, Abdulrahm A. "Impact of Employee Competence and Behaviour on Banking Customer Trust: Empirical Study in Saudi Arabia." Archives of Business Research 11, no. 8 (August 8, 2023): 71–81. http://dx.doi.org/10.14738/abr.118.15049.

Full text

Abstract:

The main purpose of the study was to find out the impact of employee competence and employee behaviour on banking customers’ attitude towards banking and trust in the banking system. 300 responses were collected from banking customers by administering structured questionnaire developed for the purpose and translated into arabic language. The results of the study showed that employee competence positive relationship with employee behaviour, and customer attitudes, however it has no significant relationship with the banking customer trust. Employee behaviour has statistically significant relationship with attitude and trust. Customer’s attitude influence trust of the banking customer. The study makes significant contribution to the literature. The findings of the study are important for the banks to improve and enhance banking customer’s attitudes and trust through employee competence and behaviour.

APA, Harvard, Vancouver, ISO, and other styles

6

Gerrard, Philip, and J. Barton Cunningham. "The multiple banking behaviour of Singaporeans." International Journal of Bank Marketing 17, no. 1 (February 1999): 26–35. http://dx.doi.org/10.1108/02652329910254028.

Full text

APA, Harvard, Vancouver, ISO, and other styles

7

Williams, Jonathan. "Determining management behaviour in European banking." Journal of Banking & Finance 28, no. 10 (October 2004): 2427–60. http://dx.doi.org/10.1016/j.jbankfin.2003.09.010.

Full text

APA, Harvard, Vancouver, ISO, and other styles

8

Olalla, Myriam García, and Alejandro Ruiz Gómez. "Robust control and central banking behaviour." Economic Modelling 28, no. 3 (May 2011): 1265–78. http://dx.doi.org/10.1016/j.econmod.2011.01.007.

Full text

APA, Harvard, Vancouver, ISO, and other styles

9

Setyawan, Agustinus, and Agnes Triyanti. "THE EFFECT OF ORGANIZATIONAL CITIZENSHIP BEHAVIOR AND COUNTERPRODUCTIVE BEHAVIOR ON EMPLOYEE PERFORMANCE WITH EMPLOYEE ENGAGEMENT AS AN INTERVENING VARIABLE IN BPR." Journal of Business Studies and Mangement Review 4, no. 1 (December 31, 2020): 7–11. http://dx.doi.org/10.22437/jbsmr.v4i1.11675.

Full text

Abstract:

Banking is the one that provides services to customers, in order to create a good image of a businessman. This research aims to analyse the impact of organizational citizenship behavior, counterproductive work behavior, with employee engagement as variable intervening through the impact of employee performance in Bank Perkreditan Rakyat in Batam. The difference in behaviour of each employee is a determinant of their performance in the company. Increased the competition in the banking sector, which continues to compete to create better services. The behaviour of employee has positive and negative that can affected by colleagues around them. Positive behaviour will affect good performance for the organization and negative behaviour will become an obstacle to an organization. Based on the relationship of existing problems, this research needs to determine the effect of employee behaviour can be involved in their own performance. Based on authors survey that people who works on Bank Perkreditan Rakyat shows employee behavior that needs to be considered in employee performance appraisal. By looking at several factors and the impact to these employees on the company. In general, the services provided to the financial services sector are important aspects of the banking sector to improve the quality of the organization.

APA, Harvard, Vancouver, ISO, and other styles

10

Marentek, Villian. "The Analysis of Customer Switching Behaviour to PT. Bank Rakyat Indonesia Tbk in Manado." Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 10, no. 2 (April 28, 2022): 738. http://dx.doi.org/10.35794/emba.v10i2.40026.

Full text

Abstract:

There is intense competition and increasing globalization in financial markets. Bank management must develop customer-oriented strategies in order to compete successfully in the competitive retail banking environment. The price war and intense competition in Manado banking industry have exposed banks to one of the major threat of switching. Consumers are now more price and service conscious in their financial services purchasing behavior. They are more prone to change their banking behavior as banking products and services are nearly identical in nature. The purpose of this paper is to provide an insight of the drivers that lead a customer switch from one service provider to PT. Bank Rakyat Indonesia at Manado. The research is using quantitative method. The data for this analysis was obtained using a purposive sample of 100 PT. Bank Rakyat Indonesia customers in Manado City. The decision to switch banks is hypothesised to be a function of Advertising and service quality. Results shows that advertising and service quality have their significant effect on customers’ switching behavior. The findings of present study can be used by PT. Bank Rakyat Indonesia for their product and service designing strategies, marketing strategies and customer services practices in order to reduce customer switching. It would help them in improving their service operations and also in increasing customer satisfaction and loyalty by understanding the banking behaviour of their customers. Furthermore, this research provides useful information for future researchers investigating customer switching behaviour in the retail banking industry.

APA, Harvard, Vancouver, ISO, and other styles

11

Sarika, P., S. Vasantha, and Rajesh Kannan R. "Consumer Behaviour Towards Usage of Mobile Banking: An Investigative Analysis." ECS Transactions 107, no. 1 (April 24, 2022): 9465–74. http://dx.doi.org/10.1149/10701.9465ecst.

Full text

Abstract:

Consumers in olden days kept using traditional system of banking. As years passed by, technology revolutionized the entire world and it did not spare the banking industry. Technology is used for offering or delivering banking services to the loyal customers and consumers. Main purpose of using technology is to cause enormous benefits to the consumers. Bankers use the technology to make the consumers keep up to date in terms of banking services. Though technical snarls decreases the performance of mobile banking, users of mobile banking have started marginally increasing and consumer behaviour changes over time when they come to use mobile banking. In this study, a total of 152 respondents are surveyed and results are arrived at according to that. Empirical Research Design was used by the researcher.

APA, Harvard, Vancouver, ISO, and other styles

12

Masengu, Reason, Wael AL Raouyashadi, Forbes Makudza, and Chenjerai Muchenje. "Unpacking the Effect of Social Media Infodemic on Consumers’ Panic Banking Behaviour during the Covid-19 Pandemic. Evidence from the Banking Sector in Oman." European Journal of Business and Management Research 7, no. 3 (May 24, 2022): 84–90. http://dx.doi.org/10.24018/ejbmr.2022.7.3.1242.

Full text

Abstract:

During the Covid-19 pandemic, some government restrictions to curb the spread of corona virus rendered print media obsolete. Social media became a convenient channel of communication. However, social media was awash with false and alarming information about the pandemic and government initiatives. This led to infodemic as consumers accessed misrepresented information on social media. As a result of social media infodemic, some consumers engaged in panic banking through withdrawal rush due to uncertain future expectation. This study aimed to examine the effect of social media infodemic during the Covid-19 pandemic on consumers’ panic intention behaviour in the banking industry. Data for the study was collected from 230 consumers of the baking industry in Oman using a questionnaire. A social media infodemic model was developed using a deductive approach. The study found out that social media infodemic was responsible for panic banking intention behaviour in Oman. The four determinants of social media panic behaviour were all statistically significantly impacting on panic banking behaviour. The study concluded that social media infodemic is a key determinant of panic banking in the banking sector. In light of the above findings, the banking industry should monitor social media so as to dilute misinformation with factual corporate communications so as to minimise panic banking behaviour.

APA, Harvard, Vancouver, ISO, and other styles

13

Mthembu, Zoleka, and Seugnet Bronkhorst. "Effect of value-added services on transactional behaviour." Business and Management Review 11, no. 02 (December 15, 2020): 149–60. http://dx.doi.org/10.24052/bmr/v11nu02/art-18.

Full text

Abstract:

Traditional banking methods evolved and include services as a method of differentiation, reducing operating costs, and providing additional benefits to the customer. Banks re-invented themselves and provide innovative solutions to remain competitive. This research explores whether using value added services contributed to changes in transactional banking behaviour and was done in one of the largest banks in South Africa over a period of four months. Two banking products in the youth customer segment were selected. The control group received one treatment at the beginning of the four-month period, and the experimental group received a further three treatments at different times of each month. Two data sets (1) VAS usage and (2) bank transactions were analysed. The results showed that the intervention had a positive effect on transactional banking behaviour. Additional causative factors were identified that increased the usage of value-added services and increased transactional banking behaviour.

APA, Harvard, Vancouver, ISO, and other styles

14

Ayo, Charles k., Aderonke Atinuke Oni, Oyerinde J. Adewoye, and Ibukun O. Eweoya. "E-banking users’ behaviour: e-service quality, attitude, and customer satisfaction." International Journal of Bank Marketing 34, no. 3 (May 16, 2016): 347–67. http://dx.doi.org/10.1108/ijbm-12-2014-0175.

Full text

Abstract:

Purpose – The purpose of this paper is to investigate factors affecting e-banking usage based on electronic service (e-service) quality, attitude and customer satisfaction. Design/methodology/approach – A conceptual model to investigate factors that influence e-banking usage was developed based on review of existing literature. The model employed e-services quality variable, diffusion of innovation construct and self-efficacy to better reflect the users’ views of e-banking usage. Data collected from 254 e-banking users were used to test the model. The data were analysed based on PLS-SEM using SmartPLS 3.0. Findings – The result reveals that perceived e-service quality has a strong influence on customer satisfaction and use of e-banking, which means that greater quality of e-service has the potential to increase satisfaction and consequently result in to more use of e-banking. In this research findings, competence of e-service support staff, system availability, service portfolio, responsiveness and reliability, in that order, were found to be most significant in rating e-service quality. Practical implications – This offers financial institutions and professional relevant information e-banking services that will promote greater customer satisfaction and use of e-banking. Originality/value – This paper contributes to knowledge advancement in bank marketing by providing insight into motivational factors of e-banking services quality and personal characteristics.

APA, Harvard, Vancouver, ISO, and other styles

15

Analisa, A. "Factors influencing unethical behaviour in banking industry." Journal of Contemporary Accounting 2, no. 2 (2020): 97–107. http://dx.doi.org/10.20885/jca.vol2.iss2.art4.

Full text

APA, Harvard, Vancouver, ISO, and other styles

16

Agaliotis, Konstantinos, and Miroljub Hadzic. "Predicting retail banking consumer behaviour using statistics." European Journal of Applied Economics 12, no. 1 (2015): 43–51. http://dx.doi.org/10.5937/ejae12-7916.

Full text

APA, Harvard, Vancouver, ISO, and other styles

17

Cakan, Esin, and Aram Balagyozyan. "Herd behaviour in the Turkish banking sector." Applied Economics Letters 21, no. 2 (September 25, 2013): 75–79. http://dx.doi.org/10.1080/13504851.2013.842629.

Full text

APA, Harvard, Vancouver, ISO, and other styles

18

Vyas, Vishal, and Sonika Raitani. "Drivers of customers’ switching behaviour in Indian banking industry." International Journal of Bank Marketing 32, no. 4 (May 27, 2014): 321–42. http://dx.doi.org/10.1108/ijbm-04-2013-0033.

Full text

Abstract:

Purpose – The price war and intense competition in Indian banking industry have exposed banks to one of the major threat of switching. Consumers are now more price and service conscious in their financial services purchasing behaviour. They are more prone to change their banking behaviour as banking products and services are nearly identical in nature. The purpose of this paper is to provide an insight of the drivers that lead a customer switch from one service provider to another in Indian banking industry using exploratory design. Design/methodology/approach – The impacts of the influencing factors have been studied and tested empirically using exploratory factor analysis. Quantitative data have been collected by means of questionnaire employed from Clemes et al. and administered to 296 banking customers of Rajasthan utilizing convenience sampling. Findings – Results reported that price, reputation, responses to service failure, customer satisfaction, service quality, service products, competition, customer commitment and involuntary switching have their significant effect on customers’ switching behaviour. Research limitations/implications – The findings of present study can be used by the Indian banks for their product and service designing strategies, marketing strategies and customer services practices in order to reduce customer switching. It would help them in improving their service operations and also in increasing customer satisfaction and loyalty by understanding the banking behaviour of their customers. Originality/value – The originality lies in the fact that this study is one of few which have focused on the drivers leading to the switching intentions of Indian banking customers.

APA, Harvard, Vancouver, ISO, and other styles

19

Suparna, Gede, and Gede Riana I. "Ethical Behaviour, Trust, and Commitment on Customer Loyalty in Banking Industry." Journal of Advanced Research in Dynamical and Control Systems 11, no. 0009-SPECIAL ISSUE (September 25, 2019): 910–20. http://dx.doi.org/10.5373/jardcs/v11/20192651.

Full text

APA, Harvard, Vancouver, ISO, and other styles

20

Sakti, Muhammad Rizky Prima, and Mohamed Zulkhibri. "PROCYCLICALITY AND BANK LENDING BEHAVIOR IN INDONESIA: THE CASE OF DUAL BANKING SYSTEM." Journal of Islamic Monetary Economics and Finance 4, no. 1 (August 28, 2018): 23–38. http://dx.doi.org/10.21098/jimf.v4i1.921.

Full text

Abstract:

It is widely suggested in the literature that procyclicality of bank lending behavior may lead to financial instability. This study examines bank-lending channel over the business cycle for Indonesian dual banking system by ascertaining to what extent Islamic banks have a role in the credit smoothing. In this context, we utilize Indonesian dual banking system unbalanced panel data for the period 2001-2015. By employing two-step dynamic GMM estimators, the study shows that the bank lending behaviour are procyclical. However, when we categorize the lending behaviour into conventional and Islamic banks, the cyclicality of bank lending affects only for conventional banks. As for the Islamic banks, the business cycle does not affect their financing decision. Specifically, large Islamic banks are more counter-cyclical in their financing behavior than small and medium size Islamic banks. Robustness tests using different measures of loans and model specifications confirm the results that Islamic bank is more stable and less procyclical in the case of Indonesia banking system.

APA, Harvard, Vancouver, ISO, and other styles

21

Asha Rani and Kiran Mehta. "A Study on Development of Dual Phase Mobile Banking Adoption Model." Journal of Technology Management for Growing Economies 9, no. 2 (October 24, 2018): 171–97. http://dx.doi.org/10.15415/jtmge.2018.92004.

Full text

Abstract:

The paper focused on development of mobile banking adoption model depicting two phases of mobile banking adoption vis-à-vis reducing the resistance to adopt mobile banking and inducing the adoption of mobile banking. The paper has used integrated Technology Acceptance Model (TAM) as proposed by Gu et al. (2009), along with two other factors namely Trust and Relative Advantage to study mobile banking adoption behaviour and Resistance Model as proposed by Laukkanen & Kiviniemi (2010) adding relative disadvantage (negative relative advantage) as one more factor, to study the mobile banking resistance behaviour. The data has been collected using online as well as offline questionnaire from 633 respondents in India. The model of dual phase mobile banking adoption will raise an opportunity for increased use of mobile banking in India.

APA, Harvard, Vancouver, ISO, and other styles

22

Carlin, Aidan, and Mark Eshwar Lokanan. "Ritualisation and money laundering in the Swiss banking sector." Journal of Money Laundering Control 21, no. 1 (January 2, 2018): 89–103. http://dx.doi.org/10.1108/jmlc-04-2017-0013.

Full text

Abstract:

Purpose This paper aims to highlight the relationship between money laundering and the patterns of behaviour evident throughout the larger structural environment of the Swiss banking sector. In particular, the paper used HSBC as a prototype case of structural ritualisation to show that the normalisation of corrupt, unethical behaviour in the banking environment has shaped and influenced the behaviour and actions of the embedded group actors. Design/methodology/approach The paper used a content analysis methodological approach of media sources to collect data. The content analysis was categorised into six core ritualised symbolic practices (RSP) categories – corruption, reputation, blame, ignorance, regret and criticism. Findings The findings reveal that the highly ranked RSPs involving corruption, reputation, blame, regret, ignorance and criticism influence the embedded group’s patterns of behaviour, and they formed part of the cognitive script that dictated their behaviour and actions in the Swiss banking sector. Practical implications The paper added to the calls by Swiss policymakers for amendments to Swiss bank secrecy laws to reflect the changing landscape of international banking and finance. Originality/value This is the first paper of its kind to study ritualised illegal practices related to money laundering in the Swiss banking sector.

APA, Harvard, Vancouver, ISO, and other styles

23

Zaker, S. M. Abu. "A Study on Borrower Behaviour Amid Covid-19 Pandemic In Bangladesh." Bangladesh Journal of Political Economy 37, no. 2 (December 1, 2021): 273–85. http://dx.doi.org/10.56138/bjpe.dec2116.

Full text

Abstract:

Before the COVID-19 pandemic, Bangladesh faced severe economic problems, including indiscipline in the banking sector. The banking sector is the lifeblood of an economy. There is no alternative but a healthy banking sector to establish a smooth and robust economy. To ensure a healthy banking sector, it is essential to develop strong discipline. Given that analysis of borrower’s behaviour is a must for management of the credit operation of a bank. In this regard, so much research has been undertaken. But in a pandemic situation, that behaviour may be changed. This study attempts to identify the borrowers’ behaviour amid the COVID-19 pandemic in Bangladesh. Both qualitative and quantitative approaches were used to attain the purpose of this study. This study revealed significant changes in borrower behaviour amid the Covid-19 situation. The behaviour of the borrowers must be noted for future policy-making and management of credit operation of commercial banks of Bangladesh.

APA, Harvard, Vancouver, ISO, and other styles

24

Yudiana, Fetria Eka. "Exploration of Switching Behavior of Sharia Banking Customer in Indonesia with Satisfaction as an Intervening Variable." Annual International Conference on Islamic Economics and Business (AICIEB) 1 (December 7, 2021): 227–38. http://dx.doi.org/10.18326/aicieb.v1i0.18.

Full text

Abstract:

The industrial revolution 4.0 will have a great impact on the level of competition in the banking industry including Islamic banking in Indonesia. The analysis of the switching behavior of sharia banking customers is very important to do because environmental change factors greatly affect customers’ behavior. This study aims to analyze the switching behavior of Islamic banking customers based on the push-pull mooring factor theory. This study is conducted on Islamic banking customers in Indonesia with the number of respondents of 100 people. This study uses a purposive sampling technique. The research instrument in the form of a questionnaire has been tested valid and reliable which is arranged based on strong indicators from the theoretical studies and previous research. Hypothesis test using path analysis proves that customers’ perception of the reward level on deposits/savings, the reputation of Islamic banks, service quality and satisfaction are the factors that influence the switching behavior of sharia banking customers. The results of this study show that customers’ perceptions of the reward level on deposits/savings and the reputation of Islamic banks are the factors that have a very positive effect on customer satisfaction of Islamic banks. Customers’ satisfaction with Islamic bank products and services can be an intervening variable to the Islamic banking customers switching behaviour.

APA, Harvard, Vancouver, ISO, and other styles

25

Kamboj, Shampy, Manika Sharma, and Bijoylaxmi Sarmah. "Impact of mobile banking failure on bank customers' usage behaviour: the mediating role of user satisfaction." International Journal of Bank Marketing 40, no. 1 (September 29, 2021): 128–53. http://dx.doi.org/10.1108/ijbm-10-2020-0534.

Full text

Abstract:

PurposeThis study seeks to observe the association between mobile banking failures, use of m-banking and customer engagement to determine the contribution of user satisfaction towards m-banking as mediator between the aforementioned relationship.Design/methodology/approachThis study proposes a Mobile Banking Failure Model (MBFM) by integrating four failure dimensions (functional, system, information and service) based on Tan's failure model and DeLone and Mclean's Information Success model. In this paper, data was gathered from 338 respondents, who were the customers of banks and regular users of m-banking services of their respective banks in India. A survey method was employed to collect data. Structure equation modelling (SEM) was used to analyse the collected data.FindingsThe results suggest that all m-banking failure dimensions (functional, system, information and service) affect the use of m-banking, which in turn affects user satisfaction towards m-banking and customer engagement. Additionally, this study found that user satisfaction towards m-banking acts as a partial mediator between the use of m-banking and customer engagement.Research limitations/implicationsThe banking failure and its use by customers have been examined in the context of mobile banking in India only and thereby limits the generalization of results to other industry and country contexts.Practical implicationsThe results of this paper will guide bank managers and policy planners in implementing MBFM in the Indian banking context, specifically for their m-banking apps.Originality/valueThe use of m-banking, user satisfaction towards m-banking and customer engagement have been added as three supportive variables to the basic Tan's failure model and DeLone and Mclean's Information Success model to examine the impact of m-banking failure on bank customers' usage behaviour. This is a novel addition to the extant literature, as most empirical works in this domain are from industries other than banking (specifically m-banking) and with differing contexts.

APA, Harvard, Vancouver, ISO, and other styles

26

Petrova, Krassie, and Shi Yu. "SMS Banking." International Journal of E-Services and Mobile Applications 2, no. 3 (July 2010): 19–43. http://dx.doi.org/10.4018/jesma.2010070102.

Full text

Abstract:

Mobile banking is a mobile service that allows the user to perform banking transactions using a mobile handheld device and a mobile service known as short text messaging (SMS). Deploying an expanded Technology Acceptance Model (TAM), this study aims to identify the factors that influence the customer’s decision to use SMS banking. Findings from relevant literature and outcomes of the analysis of qualitative data were gathered through focus group discussions to build a model, and a survey was conducted to explore the model with respect to individuals’ behaviour when considering using SMS banking. Findings show that service quality, as well as the degree of customers’ awareness about the service, influence participants’ perceptions about the usefulness of SMS banking and their intentions to use and adopt the service in the future.

APA, Harvard, Vancouver, ISO, and other styles

27

Soomro, Sarmad, and Arifa Bano Talpur. "The Consumer behaviour towards Digital Inclusion in Banking System during COVID-19." Global Economics Review VIII, no. I (March 30, 2023): 138–56. http://dx.doi.org/10.31703/ger.2023(viii-i).13.

Full text

Abstract:

This study explores consumer behavior towards digital inclusion in the banking system during Covid- 19. It examines the important factors that lead to Attitude towards internet and mobile banking (AIMB) and the Use of internet and mobile banking (UIMB). The study comprised 300 respondents, and a convenient sampling technique was used to collect the data: an online questionnaire. Using Spss software to test the hypothesis and relationship between the variables, Regression analysis was used to assess the gathered data quantitatively. The findings show that increase in the Perception of covid-19 effect (PCOV), Perceived utility of internet and mobile banking (PUIM), Ease of use internet and mobile banking (EUIM), Trust in banks (TB), Safety of internet and mobile banking (SIMB) and AIMB also increased. Simultaneously, it is observed that PUIM, TB, EUIM and SIMB have a positive influence on AIMB. Moreover, there was positive impact AIMB on the UIMB.

APA, Harvard, Vancouver, ISO, and other styles

28

Shahi, Bhupendra Jung, Rewan Kumar Dahal, and Bhanu Bhakta Sharma. "Flourishing Organisational Citizenship Behaviour through Job Characteristics." Journal of Business and Social Sciences Research 7, no. 2 (December 31, 2022): 29–46. http://dx.doi.org/10.3126/jbssr.v7i2.51490.

Full text

Abstract:

Researchers' contributions in identifying predictors of organisational citizenship behaviours are appreciable, and still, contextual study of job characteristics as an antecedent of enhancing employees' citizenship behaviours will be valuable for the banking and insurance sectors. This study is an endeavour to investigate the way of association and influence of perceived job characteristics on organisational citizenship behaviours (OCBs). Cross-sectional survey data were obtained from 221 employees involved in varying natures of jobs in the Nepalese Banking and Insurance industry. Correlation analysis revealed the positive association of perceived job characteristics with organisational citizenship behaviours. Similarly, the regression analysis suggested that perceived overall job characteristics positively and significantly predicted organisational citizenship behaviours (OCB-I, OCB-O, and overall OCB). The study is expected to add value to job design considerations for flourishing citizenship behaviours from the context of the Nepalese banking and insurance sectors.

APA, Harvard, Vancouver, ISO, and other styles

29

Huseynli, Nigar, Gözde Kandemir, and Bahman Huseynli. "Analysis of consumer behaviour variables influencing the adoption of mobile banking." Upravlenets 14, no. 1 (March 3, 2023): 60–73. http://dx.doi.org/10.29141/2218-5003-2023-14-1-5.

Full text

Abstract:

Mobile technology advances have created additional opportunities for the banking sector and benefits for consumers. The paper examines the relationship between customer experience and satisfaction, usage intention and brand loyalty in the context of mobile banking. In particular, customer experience covers three aspects, namely enjoyment, personalization, and practicality of mobile applications. The methodological basis includes the theoretical principles of marketing and service management, as well as planned behavior theory and the technology acceptance model. The research methods of factor, linear and regression anayses were applied. The empirical basis of the study are the results of a survey of clients in ten Turkish banks. The initial sample was 411 respondents, of which 327 completed questionaires were received. The authors put forward a number of hypotheses about the impact of customer experience in mobile banking on the retention of banking services users. According to the results, all the hypotheses were supported. It was found that each of the three aspects of user experience, and practicality of mobile banking applications in particular, has a significant impact on customer satisfaction, intention to use, and brand loyalty. The findings demonstrate that mobile banking usage intention and customer satisfaction affect loyalty to the bank brand, and customer satisfaction influences mobile banking usage intention. Increasing the number of respondents and including more banks in the research are among the directions for future research.

APA, Harvard, Vancouver, ISO, and other styles

30

Mohammed, Nafisah, Azmafazilah Jauhari, and Nadzirah Mohammed. "CUSTOMERS’ DEPOSIT BEHAVIOUR IN DUAL BANKING INDUSTRY: A MARKET STRUCTURE ANALYSIS." Journal of Nusantara Studies (JONUS) 5, no. 1 (January 30, 2020): 356–77. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377.

Full text

Abstract:

Background and Purpose: The aim of this paper is to evaluate public acceptance toward Islamic banking system in Malaysia by using the market structure analysis as proposed in industrial organizational studies. The structural approach framework was used to evaluate the nature and changes of market concentration in the Malaysian Islamic and conventional deposit markets. Methodology: The well-known market concentration measure, namely concentration ratio (CR) is calculated to study the changes in saving behaviour among depositors in both banking markets. The concentration ratios of deposits for both banking markets are evaluated by using the banking firms’ level data for the period 1997–2016. Pearson and Spearman correlation analysis was also used to investigate the relationship between the total deposits and bank-specific variables. Findings: It is found that interest or profit rate paid to the depositors are the factor that greatly affect the depositors’ choice of banks to save their money. Besides, experience doing businesses is more important to Islamic banks compared to conventional banks in order to attract depositors. Contributions: The findings demonstrate that societies, especially the Islamic community, are still loyal to conventional banks, which have more experience in the banking operation. The findings of this study are expected to open the eyes of the Muslim community to use Islamic banking services, which are certainly sharia-compliance. Keywords: Concentration ratio, deposit, dual banking, market structure, perception. Cite as: Mohammed, N., Jauhari, A., & Mohammed, N. (2020). Customers’ deposit behaviour in dual banking industry: A market structure analysis. Journal of Nusantara Studies, 5(1), 356-377. http://dx.doi.org/10.24200/jonus.vol5iss1pp356-377

APA, Harvard, Vancouver, ISO, and other styles

31

Kar, Brajaballav. "Rural Business Owners, Banker and Services: A Behaviour Model." SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies 46, no. 4 (December 2019): 219–34. http://dx.doi.org/10.1177/0970846419897154.

Full text

Abstract:

Rural business owners have a continual need for credit. The lack of access to institutional finance is partly mitigated by the mega financial inclusion program in India (Pradhan Mantri Jan Dhan Yojana, PMJDY) in August 2014. Other than access, exclusion can also be caused by individual characteristics, intention, attitude, perceived barriers, awareness, and suitability of product and services, banking requirements as well as banker’s behaviour. This research proposes and validates a comprehensive model of outcome based on these factors in the context of PMJDY. Business owners from rural areas who opened bank accounts under PMJDY were the respondents. The study finds that the banking outcome is significantly influenced by banker behaviour, product awareness, and the general attitude towards banking. The attitude towards specific products, demographics and income level of the rural businessmen do not influence the outcome of the banking process. Perceived inconveniences in banking or deterrence influence the intention and general attitude. Thus, the general attitude moderates the inconvenience and outcome. The product awareness is influenced by the customer’s attitude and banker’s behaviour, which in turn influence the outcome; an increase in the level of awareness will positively influence the outcome and should be the second step of financial inclusion.

APA, Harvard, Vancouver, ISO, and other styles

32

Aldammagh, Ziad, Rabah Abdeljawad, and Tareq Obaid. "Predicting Mobile Banking Adoption: An Integration of TAM and TPB with Trust and Perceived Risk." Financial Internet Quarterly 17, no. 3 (September 1, 2021): 35–46. http://dx.doi.org/10.2478/fiqf-2021-0017.

Full text

Abstract:

Abstract Mobile banking has been a game changer for financial organizations in terms of remote banking services. However, many customers remain uncertain due to its security. Therefore, improving the comprehension of the customer’s reasons and methods of using bank sites, including their behaviour towards e-banking, is crucial. This article discusses the matter by suggesting a technology acceptance model that integrates the theory of the planned behavior model in the classic TAM model with trust and perceived risk in order to elucidate the aspects that influence users’ acceptance of mobile banking applications in Palestine. This study is designed to give both theoretical and empirical support for e-commerce adoption. We are also capable in providing particular marketing ideas for practitioners in relation to the uptake of mobile banking.

APA, Harvard, Vancouver, ISO, and other styles

33

Sarkar, Sanjukta, and Rudra Sensarma. "The relationship between competition and risk-taking behaviour of Indian banks." Journal of Financial Economic Policy 8, no. 1 (April 4, 2016): 95–119. http://dx.doi.org/10.1108/jfep-05-2015-0030.

Full text

Abstract:

Purpose Under the traditional franchise value paradigm, competition in banking markets is considered to be risk enhancing because of its tendency to raise interest rates on deposits. Taking a contrarian view, Boyd and De Nicolo (2005) have argued that competition in the loan market can lead to lower interest rates and hence reduce bank risk-taking. Following these contradictory theoretical results, the empirical evidence on the relationship between risk and competition in banking has also been mixed. This paper analyses the competition–stability relationship for the Indian banking sector for the period 1999-2000 to 2012-2013. Design/methodology/approach Banking competition is measured using structural measures of concentration, namely, five-bank concentration ratios and the Herfindahl-Hirschman Index as well as a non-structural measure of competition – the Panzar-Rosse H-Statistic. Panel regression methods are used to estimate the relationships. Findings Our results show that while concentration leads to lower levels of default, market and asset risks, it exacerbates the levels of capital and liquidity risks. Practical implications These results have interesting implications for banking sector policy in emerging economies. For instance, any strategy on entry of new banks has to be carefully coordinated with supervisory efforts and macro-prudential policy to derive the benefits of greater competition in the banking industry. Originality/value This is the first paper that analyses the competition – stability relationship using a large number of alternative measures for the banking sector, an emerging economy.

APA, Harvard, Vancouver, ISO, and other styles

34

SHYAM SUNDAR, ITIKELA. "DIGITAL TECHNOLOGY IN BANKING POST DEMONETIZATION." International Journal of Engineering Technologies and Management Research 7, no. 7 (July 7, 2020): 8–14. http://dx.doi.org/10.29121/ijetmr.v7.i7.2020.711.

Full text

Abstract:

This research investigates the differences in the technology adoption behaviour of customers of Indian banks during the pre and post demonetization phase. The Survey results of 200 bank customers in India find that the Indians are still holding back from embracing the digital platforms to make payments. The study could not establish the constructive effects of demonetization in e-banking adoption behaviour, despite the significant growth in the use of small digital payment platforms like Paytm. However, the usage of Point of Sale (POS) machines for transacting payments has increased tremendously. The research finds drastic reductions in the use of other e-payment modes during and after demonetization. In that sense, the study concludes that the demonetization negatively affects the technology banking adoption behaviour of customers of Indian banks.

APA, Harvard, Vancouver, ISO, and other styles

35

Satria, Doni, and Solikin M. Juhro. "RISK BEHAVIOR IN THE TRANSMISSION MECHANISM OF MONETARY POLICY IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 13, no. 3 (May 30, 2011): 243–70. http://dx.doi.org/10.21098/bemp.v13i3.393.

Full text

Abstract:

This study explores interconnections between risk behaviour in the financial sector, particularly banking sector, with monetary policy stance. Referring Bernanke and Blinder (1988) modified model for analyzing the bank credit behavior, we develop an empirical model to test the role of risk behaviour in monetary policy transmission mechanism. Vector Error Correction Model are applied to test the significance of interaction between risk variables and monetary policy stance in the short run dynamics of credit behavior around its long-run cointegration with real GDP. Some empirical results emerge from this preliminary study. First, there is early indication that risk taking channel in the monetary policy transmission mechanism exists in Indonesia during analysis period. Second, risk variables and credit tend to move procyclicalyl while monetary policy stance tends to a-cyclical. Third, pro-cyclical behavior of credit and risk variables reverses the effect of loose monetary policy stance, and there is an indication of asymmetric effect between tight monetary policy and loose monetary policy in Indonesian economy. These empirical findings bring about policy recommencations for better understanding on the risk behavior in the banking sector, as well as integration beetween monetary dan financial sector policies.JEL Code : E52, E58,Keyword: Monetary Policy Transmission Mechanism, Monetary Policy Stance, Banking Risk Behavior, Risk Perception

APA, Harvard, Vancouver, ISO, and other styles

36

Susanto, Joko, and Bayu Sindhu Raharja. "The Debtor’s Behavior in Microfinance Industry: An Exploratory Study of Measurement Scales." Jurnal Analisis Bisnis Ekonomi 18, no. 2 (December 9, 2020): 123–35. http://dx.doi.org/10.31603/bisnisekonomi.v18i2.4042.

Full text

Abstract:

This study is an exploratory descriptive research that attempts to explore the measurement indicators of debtors’ behavior in microfinance industry. It employs as much of previous studies showed little attention in the relation of debtor's behaviour and non-performing loans. On the contrary, they spotlight more on the banking-specific information and macroeconomics factors. Therefore, this research tries to discover the debtor's behaviour which is assumed to have an impact on non-performing loans. The behaviours which employed and proposed are impulsiveness, risk-taking behaviour, and trustworthiness. This study aims to inquiry the measurement scales of proposed behaviours as well as test the validity and reliability of those indicators by employing exploratory factor analysis (EFA). The result shows that there are three indicators accepted being a measuring instrument of impulsiveness, two for risk-taking behaviour, and four signs for trustworthiness. It also examines in the descriptive analysis of the debtor's behaviour based on their socio-demographic criteria such as gender, age, marriage status, and wage. The research result would give an insight into both empirical and practical advantage in terms of microfinancing management. Theoretically, this paper serves a valid and reliable of debtors’ behavior measurement scales that would contribute for future research in testing the relation of such behavior variables to non-performing loans.

APA, Harvard, Vancouver, ISO, and other styles

37

Hindun, Roro, and Izzul Fatchu Reza. "Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions." Shirkah: Journal of Economics and Business 1, no. 3 (December 31, 2016): 285. http://dx.doi.org/10.22515/shirkah.v1i3.51.

Full text

Abstract:

People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders. Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

APA, Harvard, Vancouver, ISO, and other styles

38

Tucker, Mark, Christine Jubb, and Chee Jin Yap. "The theory of planned behaviour and student banking in Australia." International Journal of Bank Marketing 38, no. 1 (July 18, 2019): 113–37. http://dx.doi.org/10.1108/ijbm-11-2018-0324.

Full text

Abstract:

Purpose The purpose of this paper is to investigate the extent to which the three constructs associated with the theory of planned behaviour (TPB) can explain student banking intentions and assist in understanding their bank satisfaction. Design/methodology/approach This research issue was investigated using a mixed methods approach, incorporating both qualitative and quantitative methods. Convenience sampling was used. Factor analysis and logistic regression were used to ascertain the relevance of the TPB in explaining student banking intentions. Findings Using factor analysis, perceived behavioural control was shown to be the key determinant in explaining student banking intentions. Using a logistic regression, the TPB was shown to have strong application in predicting customer satisfaction with all three of its constructs significant, but weaker application for predicting the likelihood of a bank switch, with subjective norms and attitude significant, and even less for the likelihood of recommending the bank to a friend, with only perceived behavioural control significant. Research limitations/implications The use of an online survey which limits the pool of respondents to internet users, together with the sample size, limit the generalisability of findings. Practical implications Banks can better target and understand the drivers that influence both student banking intentions and customer satisfaction. This knowledge will allow banks to better attract and retain student customers. Originality/value Provides insight to and a better understanding of how the TPB can explain and predict student banking intentions. This study fills a gap in the literature by concentrating on student banking behaviour in Australia, a substantial segment of bank customers that has received little research.

APA, Harvard, Vancouver, ISO, and other styles

39

Bidabad, Bijan, and Mahshid Sherafati. "Operational ethical banking in Rastin Banking." International Journal of Law and Management 58, no. 4 (July 11, 2016): 416–43. http://dx.doi.org/10.1108/ijlma-07-2015-0037.

Full text

Abstract:

Purpose This paper aims to discuss some of the operational Islamic banking features considered in ethical banking as the aspects of Rastin Banking. Ethical banking is a branch of “ethic economics” and a narrow expression of a number of Islamic banking aspects. Design/methodology/approach These features are often involved in the discussions under the topic of internal control and describe the operational characteristics of ethical banking within the framework of Rastin Banking. Findings This study refers to the principles of Rastin Banking, including operational, financial, economic, ethical, social, legal, international and organizational principles. Additionally, it takes into account some of the internal control systems. Research limitations/implications Converting ethical codes into executable laws and regulations needs sophistication, and the art of codification in this subject can be observed in the present paper. Practical implications As far as the ethical behaviour of the assessor and trustee is concerned, the necessities of honesty, belief, virtuosity, rectitude and compliance with moral values, as well as reward and punishment mechanisms, are operationally examined. Transparency, governance and disclosure of information are the other components. The methods of auditing, accounting, inspection and preservation of Rastin Banking achievements are amongst the other matters of concern. Social implications An assiduous attention to the operational details of each of the above-said discussions revealed that the Islamic banking components are capable of covering the topics and discussions beyond ethical banking. Originality/value This paper fulfils an identified need to solve the practical ethical problem in operational banking.

APA, Harvard, Vancouver, ISO, and other styles

40

La Pade, Alwahidin, and Jodi Wahyu Prayoga. "Subjective Norms Are Not Important for Millennials in Determining Their Interest in Technology: TAM and TPB Models Examines." JESI (Jurnal Ekonomi Syariah Indonesia) 12, no. 2 (January 24, 2023): 143. http://dx.doi.org/10.21927/10.21927/jesi.2022.12(2).162-181.

Full text

Abstract:

<p>This study examines the factors influencing the intention to use Islamic mobile banking services. In this study, factors influencing millennials' interest in using Islamic mobile banking are perceived usefulness, perceived ease of use, attitudes towards behaviour, subjective norms and behavioural control. This research is a development of previous research, which also uses a combination model of TAM (Technology Acceptance Model) and TPB (Theory of Planned Behavior). Data analysis was performed using Smart PLS Software version 3.0 and IBM SPSS 25. The results of this study indicate that perceived ease of use, perceived benefits, attitude to use, and behavioural control influence students' interest in using Islamic mobile banking. Meanwhile, subjective norms do not affect students' interest in using sharia mobile banking. The implications of this research are relevant for bank management, strategic divisions, marketing and mobile banking analysts to pay attention to the factors influencing individual interest in using mobile banking in developing their information systems.</p>

APA, Harvard, Vancouver, ISO, and other styles

41

Mohamad, Mohammad Taqiuddin, Joni Tamkin Borhan, and Ahmad Azam Sulaiman@Mohamad. "Islamic Banking Behaviour in Financing Management in Malaysia." Asian Journal of Accounting and Governance 3, no. 1 (December 1, 2012): 29–38. http://dx.doi.org/10.17576/ajag-2012-3-6513.

Full text

APA, Harvard, Vancouver, ISO, and other styles

42

Korobov, Yu I. "BEHAVIOUR OF BANKING SERVICES CONSUMERS IN DIGITAL ECONOMY." Intelligence. Innovations. Investment, no. 1 (2020): 55–60. http://dx.doi.org/10.25198/2077-7175-2019-6-55.

Full text

APA, Harvard, Vancouver, ISO, and other styles

43

Chan, Allan K. K., and Vincent S. M. Ma. "Corporate Banking Behaviour: A Survey in Hong Kong." International Journal of Bank Marketing 8, no. 2 (February 1990): 25–31. http://dx.doi.org/10.1108/02652329010006202.

Full text

APA, Harvard, Vancouver, ISO, and other styles

44

El‐Haddad, Awad B., and Mohammad A. Almahmeed. "ATM Banking Behaviour in Kuwait: A Consumer Survey." International Journal of Bank Marketing 10, no. 3 (March 1992): 25–32. http://dx.doi.org/10.1108/02652329210015318.

Full text

APA, Harvard, Vancouver, ISO, and other styles

45

Talukder, Majharul, Ali Quazi, and Milind Sathye. "Mobile Phone Banking Usage Behaviour: An Australian Perspective." Australasian Accounting, Business and Finance Journal 8, no. 4 (2014): 83–104. http://dx.doi.org/10.14453/aabfj.v8i4.6.

Full text

APA, Harvard, Vancouver, ISO, and other styles

46

Prakash, Beena, and Anjali Panigrahi. "Role of Gender and Motivation across Banking Sector in India." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 4, no. 2 (September 10, 2016): 471. http://dx.doi.org/10.21013/jmss.v4.n2.p17.

Full text

Abstract:

<em>Motivation is the basic drive for all of our actions. Motivation refers to the dynamics of our behavior, which involves our needs, desires, and ambitions in life. The role of gender in shaping motivation has a long history in psychological and educational research. This paper investigates the relationship between role of gender and motivational aspects of employees behaviour. The study comprised of analysing six motives (Achievement, Influence, Extension, Control, Affiliation and Dependency) by administering MAO-B questionnaire to respondents. Sample comprised of 102 respondents from Banking sector. The study shows that most significant motive influencing the managerial behaviour for both the gender is Extension followed by Achievement motive.</em>

APA, Harvard, Vancouver, ISO, and other styles

47

K. P. P. H. G. N., Malsha, A. Anton Arulrajah, and Samithamby Senthilnathan. "Mediating role of employee green behaviour towards sustainability performance of banks." Journal of Governance and Regulation 9, no. 2 (2020): 92–102. http://dx.doi.org/10.22495/jgrv9i2art7.

Full text

Abstract:

Nowadays, due to the huge deterioration of the environment, not only human beings but also the day-to-day business environment suffers adversely. Hence, the “Go Green” behaviour becomes a globally accepted direction of every individual and business. “Go Green” is an earth-friendly living approach and banks play a decisive role in safeguarding the environment to make our livelihood better. As there is an emerging trend to update traditional banking system with green banking strategies in the modern banking system, bank employees are directed to play a vital behavioural role (Norton, Parker, Zacher, & Ashkanasy, 2015) to keep better banking practices, more environmentally friendly, to have bank sustainability performance. Therefore, this study critically examines the relationships between Green banking practices (GBP), Employee green behaviour (EGB), and Sustainability performance of banks (SPB) in the Sri Lankan context. This study specifically examines the mediating role of EGB in the relationship between GBP and SPB. The results confirm the partial mediation role of EGB in the relationship between GBP to SPB. Moreover, both direct and indirect effects of mediation analysis reveal the same direction, significantly. This study becomes vital for understanding the mediating role of EGB, empirically between GBP and SPB.

APA, Harvard, Vancouver, ISO, and other styles

48

Uford, Imoh Charles, and Abasiama Asuquo Mfon. "The Post Covid-19 Consumer Buying Behaviour in The Nigerian Banking Industry: Issues, Challenges and Benefits." International Journal of Business and Management Review 11, no. 1 (January 30, 2022): 40–51. http://dx.doi.org/10.37745/ijbmr.2013/vol11n14051.

Full text

Abstract:

The purpose of this paper was to explore the issues of post COVID-19 consumer behaviour in the Nigerian banking sector. Customers and employees of five top commercial banks in Nigeria (Zenith Bank, Access Bank, Guarantee Trust Bank, First Bank and United Bank for Africa) were interviewed via the telephone. This study adopted the exploratory research design with qualitative analysis of respondents’ views. It is important to note that changing consumer behaviour patterns, shift in customers’ expectations and attitude and perceptions differences were the major issues. However, some of the challenges include; huge business uncertainty, high illiteracy rate vs. technological advancement in banking as well as space engagement. On the other hand, some of the benefits identified were; improved technological applications and seamless banking procedures, reduced credit gap, and increased banking opportunities with the growing rate of Fintech. However, short term actions and long term transformation were adequately highlighted as proposed mitigants to the challenges facing the Nigerian banking sector with respect to managing changing customers’ behaviour amid post COVID-19 pandemic. An area recommended for further studies is consumer behaviour and post COVID-19 pandemic in other developing economies, with the use of empirical approach to further validate the findings of this study.

APA, Harvard, Vancouver, ISO, and other styles

49

Hamakhan, Yadgar Taha M. "An Empirical Investigation of E-Banking in the Kurdistan Region of Iraq: The Moderating Effect of Attitude." e-Finanse 16, no. 1 (March 1, 2020): 45–66. http://dx.doi.org/10.2478/fiqf-2020-0006.

Full text

Abstract:

AbstractThe banking industry is one of the most important industries in developing countries, thus it plays a major role in the financial industry. Moreover, e-banking has simplified financial transactions. This study investigates the effect of individual factors on user behaviour and the moderating effect of attitude on the relationship between individual factors and user behaviour based on the Unified Theory of Acceptance and Use of Technology. A model suggests a second-order components research framework that improves current explanations of electronic banking channel services acceptance and sheds light on the role of attitude on the acceptance of electronic banking channel services which is the most important key concern. Data were collected using an online questionnaire with 476 valid responses from academic staff who work at the University of Sulaimani; the model has been tested using the Partial Least Squares-Structural Equation Modeling approach. The results show that individual factors have a positive effect on user behaviour and also show that attitude has a negative effect on the relationship between individual factors and user behaviour as a moderator.

APA, Harvard, Vancouver, ISO, and other styles

50

van Tonder, Estelle, and Daniël Johannes Petzer. "Perspectives on “other” customers’ roles in citizenship behaviour." International Journal of Bank Marketing 36, no. 2 (April 3, 2018): 393–408. http://dx.doi.org/10.1108/ijbm-02-2017-0042.

Full text

Abstract:

Purpose The purpose of this paper is to examine the impact of source credibility (expertise and trustworthiness) on perceived value (perceived usefulness (PU)), as well as the latter’s impact on sub-dimensions of customer citizenship behaviour (helping and advocacy intentions (AIs)) in an electronic banking services setting. Design/methodology/approach In total, 439 respondents who use at least one form of electronic banking service and who have previously received positive messages about electronic banking services from other customers were approached to complete a self-administered structured questionnaire. Findings Source credibility dimensions have a positive and significant relationship with PU. PU in turn has a positive and significant relationship with helping intentions and AIs as forms of customer citizenship. Research limitations/implications The findings advance understanding of the extent to which customers rely on the perceptions of other customers in determining the usefulness of a service as well as their willingness to advocate the benefits of the service and help other customers. Practical implications The findings may guide retail banks in obtaining a greater understanding of the customer citizenship behaviour process and the extent to which banks can rely on customers to convince other customers of the benefits of electronic banking services. Originality/value This study offers insight into the antecedents of the advocacy and helping intentions sub-dimensions of customer citizenship behaviour. It also explains how value between customers can be created by considering the elaboration likelihood model and social exchange theories, and customer citizenship behaviour.

APA, Harvard, Vancouver, ISO, and other styles

Journal articles on the topic 'Banking Behaviour'

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles