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Journal articles on the topic 'Banking'

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Author: Grafiati

Published: 4 June 2021

Last updated: 31 July 2024

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1

Et.al, Jude N. Owuamanam. "An Enhanced Model For E-Service Quality of Mobile Banking." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (April 10, 2021): 2094–99. http://dx.doi.org/10.17762/turcomat.v12i3.1150.

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The increasing growth in mobile device users and the rapid drop in conventional and mobile data charges have given way for a provision of banking services and mobile banking to be precise. Banks are now extending their services from traditional means of banking to a self-service system. Recently, mobile banking has been growing exponentially, but there is still a lack of confidence by the users because of low e-service quality of mobile banking. Researchers have done many works on mobile banking but were focused more on adoption and user intentions which contributes to the marketing and promotion of mobile banking. Mobile banking has some specific characteristic which makes it different from other web-based e-services. So the previous studies lack specific in-depth mobile banking e-service quality, such as failure to define the e-service quality of mobile banking and identification of mobile banking dimensions. This study identified mobile banking's dimensions and attributes that received less attention and suggested an improved model for mobile banking's electronic service quality.

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2

Huang, Ji. "Banking and shadow banking." Journal of Economic Theory 178 (November 2018): 124–52. http://dx.doi.org/10.1016/j.jet.2018.09.003.

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3

Manser Payne, Elizabeth, James W. Peltier, and Victor A. Barger. "Mobile banking and AI-enabled mobile banking." Journal of Research in Interactive Marketing 12, no. 3 (August 13, 2018): 328–46. http://dx.doi.org/10.1108/jrim-07-2018-0087.

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PurposeThe rapid growth of technology, including artificial intelligence (AI), in the banking industry has played a disrupting role in traditional banking channels. This study aims to investigate factors that influence the attitudes and perceptions of digital natives pertaining to mobile banking and comfort interacting with AI-enabled mobile banking activities.Design/methodology/approachData were collected from 218 digital natives. This paper uses multivariate regression and two separate multiple regression analyses to examine the differential effects of technology-based (i.e. attitudes toward AI, relative advantage, perceived trust and security in specific mobile banking activities) and non-technology based (i.e. need for service, quality of service) factors on mobile banking usage and AI-enabled mobile banking services.FindingsThis study identifies determining factors for mobile banking and AI-enabled mobile banking services. Results indicate a divide in how digital natives perceive relative advantage between our two dependent variables. Consistent with previous studies, the relative advantage construct has the most impact on mobile banking usage. However, relative advantage was not significant for AI-enabled mobile banking, suggesting an extra layer of complexity that goes beyond convenient fast banking.Research limitations/implicationsA limitation of this study is that it does not incorporate age groups outside of digital natives. Further research is needed to test for differential effects between age groups. In addition, the discovery of no significant impact of relative advantage on AI mobile banking warrants more research on the similarities and differences between mobile banking and AI-enabled mobile banking.Practical implicationsTo better appeal to digital natives, it is suggested that the banking industry emphasize mobile banking’s anywhere/anytime access to financial accounts, as this is important to college-age customers who may not live near their local banking institution. Moreover, the paper suggests that improvement to mobile banking features for one-on-one interpersonal contact with bank employees is needed.Originality/valueThis study addresses the gap in the understanding of how digital natives perceive mobile banking in comparison to AI-enabled mobile banking services.

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4

Trisnaningtyas, Januari Pratama Nurratri. "THE IMPURITY OF SHARIAH BANKING IN INDONESIA." Journal of Sharia Economics 3, no. 1 (March 16, 2022): 1–12. http://dx.doi.org/10.22373/jose.v3i1.1453.

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The practice of Islamic banking should run accordingly with the rule of sharia. Islamic banking aimed to overcome conventional banking problems, which are often profit-driven and benefit only a particular party. In Indonesia, where the majority of the population is Muslims, Islamic banking runs together with conventional banking and creates a dual-banking system. This dual-banking system seems fair on the one hand. However, it causes challenges in terms of the pure practice of Islamic banking, on the other hand. This research analyses the implementation of Islamic banking in Indonesia within the dual-banking system through three main frameworks: the regulation of Islamic banking, Islamic banking’s product to compete with the conventional ones, and the government regulation regarding this matter. The research shows that Indonesia has not been able to implement Islamic banking in accordance with the sharia rules fully. Instead, some principles are adapted according to the dual-banking system and are aligned with the interest of various parties such as the government and central bank of Indonesia.

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Liyana dinie saffa. "Perkembangan Layanan Digital Produk Perbankan Syariah." Al-Hisbah Jurnal Ekonomi Syariah 4, no. 1 (March 29, 2024): 24–37. http://dx.doi.org/10.57113/his.v4i1.377.

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Perkembangan teknologi informasi menjadi tantangan bagi perbankan syariah untuk terus meningkatkan inovasi dan kreativitas dari produknya. Penelitian ini mencoba menganalisis perkembangan layanan digital dari produk - produk perbankan syariah seperti fintech, aplikasi akad qardh dan murabahah, serta layanan internet banking, phone banking, dan mobile bankin. Tujuan utama pada penelitian ini adalah untuk melihat perkembagan dan inovasi dari produk – produk perbankan syariah secara digital. Metode penelitian yang digunakan dalam penelitian ini menggunakan metode kualitatif dengan mengumpulkan literatur–literatur yang berkaitan dengan permasalahan. Hasil penelitian menunjukkan bahwa Dengan adanya pelayanan digital perbankan syariah seperti internet banking, mobile banking, phone banking, qris dll mampu meningkatkan pangsa pasar sehingga pangsa pasar perbankan syaraiah mengalami peningkatan dari tahun 2020 hingga 2023, hal ini dikarenakan karna masyarakat merasa mudah dengan adanya produk-produk digital.

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6

Astuti, Sri Rahayu Tri. "ANALYSIS INFLUENCE OF DIFFERENCE PERCEPTION BETWEEN SHARI�A BANKING WITH CONSUMER PERCEPTION TOWARDS CUSTOMER�S PURCHASE INTENSION SHARI�A BANKING IN SEMARANG � INDONESIA." International Journal of Islamic Business Ethics 1, no. 2 (September 6, 2016): 152. http://dx.doi.org/10.30659/ijibe.1.2.152-160.

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Based on Shari�a Banking�s development background in� Indonesia such as phylosophy aspects, legal aspectsalso prospect and potential aspects,Shari�a Banking�s development should increase significantly. Instead of expectation, at the beginning year 2015,Shari�a Banking has decreased 1,6% inCentral Java (Jawa Tengah).This research aims to analyze influence of difference perception between Shari�a Banking with consumer perception toward customer�s purchase intention Shari�a Bankingin Semarang. This research use qualitative analysis methode with 30 respondents and this research gains :� (1)� Respondents understand and have purchase intension Shari�a Banking are 20 respondents; (2)� Respondents understand but do not have purchase intension Shari�a Banking are� 4 respondents; (3)� Respondents do not understand and do not have purchase intension Shari�a Banking are 6 respondents.

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7

Shermukhamedov, Bobur Abbasovich, and Muyassar Shavkat kizi Tulaganova. "INNOVATIONS IN BANKING: DIGITAL BANKING." Theoretical & Applied Science 102, no. 10 (October 30, 2021): 880–87. http://dx.doi.org/10.15863/tas.2021.10.102.98.

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8

Sanmath, Prof Ashwini. "Fin Tech Banking – The Revolutionized Digital Banking." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-ICDEBI2018 (October 3, 2018): 172–80. http://dx.doi.org/10.31142/ijtsrd18699.

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9

YULIANTI, YULIANTI. "PROSPEK PERBANKAN SYARIAH DI INDONESIA: CERAH ATAU BURAM?" Dialog 32, no. 1 (October 19, 2017): 101–16. http://dx.doi.org/10.47655/dialog.v32i1.131.

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Indonesia is one of the Asian countries that has proved the existence of syariah bankings. However, more efforts are still needed to fix existing problems faced. Beginning in 1991, Indonesia developed an Islamic economic by ways of building a syariah banking. Syariah banking is a kind of bank that operates without the use of interes in its transactions. At first, people were not sure with the performance of syariah bankings, but when these banks could survive during the 1997 economic cirisis from severe collapse, people are now sure that syariah bankings are a good place to save their money. As shown in the statistics of the Indonesian central bank (BI), syariah bankings show significant progress almost every year.

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10

Sekretareva, T. M. "Banking transactions and banking operations as components of banking business." Финансы и кредит 23, no. 8 (February 27, 2017): 450–58. http://dx.doi.org/10.24891/fc.23.8.450.

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11

Izni, Nor Aziyatul, Nur Aqilah Zainordin, Lu She Chuen, Winsent Ng Yik Onn, and Nursyamilah Annuar. "Factors Influencing the Adoption of E-banking Services in Klang Valley." Jurnal Intelek 17, no. 1 (January 30, 2022): 217. http://dx.doi.org/10.24191/ji.v17i1.16101.

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The growth of the Internet and the usage of electronic devices such as computers and mobile phones, have increased e-banking services usage, especially online and mobile bankings. This is a great opportunity to identify and understand which factors would significantly affect the user’s intention to use e-banking services and to give the determining factors of e-banking services in the aspect of the users. This could help banking-related companies to improve their services and products. Quantitative analysis was used in this paper to measure the relationships between e-banking services and user’s intention. In the data collection process, questionnaire was distributed to 390 Malaysians, aged 18 and above, who stay in Klang valley. Statistical Package for Social Science (SPSS) software will be used to analyse the collected data based on Pearson’ correlation coefficient and multiple regression analysis to determine the result.

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12

Sangrulkar, Mrs Surekha A. "E-Banking- ICT Plus Banking for Boosting Business." International Journal of Trend in Scientific Research and Development Special Issue, Special Issue-FIIIIPM2019 (March 20, 2019): 98–100. http://dx.doi.org/10.31142/ijtsrd23074.

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13

Gulzar, Rosana, Mansor H. Ibrahim, and Mohamed Ariff. "Islamic Banks: History, Stability and Lessons from Cooperative Banking." Jurnal Institutions and Economies 13, no. 3 (July 1, 2021): 1–26. http://dx.doi.org/10.22452/ijie.vol13no3.1.

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Islamic banking’s profit-maximising fervour, building upon the use of interest-resembling products, has raised concerns about its Shariah authenticity and financial stability. While early Islamic economists envisioned an industry built on values of mutuality and participation, architects of Islamic banking have chosen to replicate interest-based conventional banking for the purpose of fast growth. This study has two objectives. First, to narrate the history of Islamic banking, from the theories postulated to the beginnings of the industry. This builds an understanding of why ‘Islamic’ banking operates as it does currently, which has implications for Shariah compliance and financial stability. It is suggested that the mimicking of conventional banks may cause instability since unlike commercial banks, ‘Islamic’ banks face Shariah constraints. This leads to the second objective, which is to analyse the cooperative banking model, which has been described as the closest theoretical model to Islamic banking. Specifically, this study focuses on the model in Europe which, despite its challenges, has managed to silence critics in the way it contributes to communal welfare and financial stability, especially during credit crunches when commercial banks are known to retreat from markets. This first study of a functioning cooperative banking model, in the context of Islamic banking, may thus offer lessons for Islamic banking reform.

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14

Pemberton, Steven. "Banking." Interactions 11, no. 4 (July 2004): 4. http://dx.doi.org/10.1145/1005261.1005264.

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15

Linton, Otha. "Banking." Academic Radiology 17, no. 7 (July 2010): 941–42. http://dx.doi.org/10.1016/j.acra.2010.04.004.

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16

Meyer, Philippe, and Uwe Krakau. "Banking." Digitale Welt 2, no. 2 (March 7, 2018): 80–82. http://dx.doi.org/10.1007/s42354-018-0092-4.

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17

Alqatan, Ahmad, and Wafaa Sbeiti. "Islamic Banking Performance Versus Conventional Banking." Review of Economics and Finance 19 (2021): 312–25. http://dx.doi.org/10.55365/1923.x2021.19.32.

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18

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.

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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.

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19

Dudic, Admir. "Islamic banking: A new banking concept." Ekonomski izazovi 1, no. 2 (2012): 101–10. http://dx.doi.org/10.5937/ekoizavov1202101d.

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20

Moshirian, Fariborz, and Qiongbing Wu. "Banking industry volatility and banking crises." Journal of International Financial Markets, Institutions and Money 19, no. 2 (April 2009): 351–70. http://dx.doi.org/10.1016/j.intfin.2008.02.002.

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21

Tyler, Neil. "Banking is Dead, Long Live Banking." New Electronics 52, no. 13 (July 9, 2019): 12–14. http://dx.doi.org/10.12968/s0047-9624(22)61562-1.

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22

Moudud-Ul-Huq, Syed, and Shumaila Meer Perhiar. "What Factors Need to Be Considered for Adopting M-Banking Services in a Developing Economy?" International Journal of Corporate Finance and Accounting 10, no. 1 (March 9, 2023): 1–14. http://dx.doi.org/10.4018/ijcfa.319710.

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The study attempts to explore the effects of key factors influencing the customer acceptance of mobile banking adoption, particularly those that affect the consumer's attitudes towards and intention to use. This study builds a comprehensive theoretical model explaining M-banking adoption in Bangladesh. To assist in identifying these factors, an empirical study was conducted among general citizens of Bangladesh to identify the acceptance of M-banking. The study revealed that the critical factors which contribute to the adoption of M-banking in Bangladesh. A consumer survey on 250 mobile bank users of different mobile network operators in Bangladesh was undertaken where respondents completed a questionnaire about their perceptions of mobile banking's usefulness, perceived ease of usefulness, perceived risk, perceived cost, and perceived trust. This study offers an insight into mobile banking in Bangladesh, focusing on influencing factors and perceived trust was found to be the most significant factor affecting the adoption of M-banking in Bangladesh.

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23

Soeroto, Erica. "EFISIENSI SEBAGAI BASIS KEBIJAKAN PENYELENGGARAAN PERUMAHAN RAKYAT." Bina Ekonomi 22, no. 1 (February 3, 2020): 85–94. http://dx.doi.org/10.26593/be.v22i1.3722.85-94.

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Compared to other countries, housing financing in Indonesia is relatively left behind. In Indonesia, housing financing is dominantly by banking’s mortgage loan. Furthermore, the ratio of home loan to GDP of the country is still insignificant. If we compare to other countries’ banking sector, Indonesia’s banking sector is less efficient. This could be observed from the interest rate spread of the banking sector. This article argues that, housing policy in Indonesia should focus on improving housing financing efficiency through: efficient primary housing financing, liquid and stable bond market, and supporting regulation based on cost and benefit analysis; in order to provide affordable housing for low income people in Indonesia. Keywords: housing financing; housing policy; banking sector efficiency; Indonesia

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24

Abidillah, Achmad Fadlil, and Muhamad Nafik Hadi Ryandono. "Do Macroeconomics Variables Affect Conventional and Islamic Banking Profitability?" AFEBI Islamic Finance and Economic Review 4, no. 02 (December 17, 2019): 101. http://dx.doi.org/10.47312/aifer.v4i02.363.

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<em>This study aims to examine the impact of external macroeconomic variables on profitability of conventional banking and Islamic banking in Indonesia. Macroeconomic variables included in the model are: inflation, gross domestic product, exchange rate, and money supply. This study took a period of time from 2007 to 2017, quarterly. Using an Engle-Granger cointegration test and error correction model, this study will analyze a short and long term correlation of macroeconomic variables again banking profitability. The results of this study indicate that in short term, conventional bangking’s profitability is influenced by money supply, while in long term is influenced by inflation and currency exchange rates. Then, other results show that macroeconomic variables do not affect Islamic banking’s profitability in the short term, while in long term Islamic banking’s profitability is only influenced by exchange rate of currency. This study provides recommendations to banking management in order to optimizing management of its instruments, so that it can adjust to macroeconomic turmoil in the economy.</em>

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25

Lilianti, Emma. "ANALISIS UKURAN PERUSAHAAN DAN PERTUMBUHAN ASET TERHADAP STRUKTUR MODAL PERBANKAN UMUM PEMERINTAH DI BURSA EFEK INDONESIA." Jemasi: Jurnal Ekonomi Manajemen dan Akuntansi 13, no. 2 (December 31, 2017): 182–96. http://dx.doi.org/10.35449/jemasi.v13i2.11.

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This study aims to determine the effect of firms and asset growth on capitalstructure government general banking in Indonesia Stock Exchange. The problem in thisresearch how to influence firm size and asset growth on capital structure governmentgeneral banking in BEI? Data analysis, autocorrelation, multicolinearity andheterocedasticity test. The population is the entire company government general bankingin BEI as many as 4 companies, with the selected sample of 4 companies through thesampling census. The results showed firm size and asset growth have influence on capitalstructure government general banking in Indonesia Stock Exchange (BEI).

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Lilianti, Emma. "ANALISIS UKURAN PERUSAHAAN DAN PERTUMBUHAN ASET TERHADAP STRUKTUR MODAL PERBANKAN UMUM PEMERINTAH DI BURSA EFEK INDONESIA." Jemasi: Jurnal Ekonomi Manajemen dan Akuntansi 13, no. 2 (December 31, 2017): 182–96. http://dx.doi.org/10.35449/jemasi.v13i2.33.

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This study aims to determine the effect of firms and asset growth on capitalstructure government general banking in Indonesia Stock Exchange. The problem in thisresearch how to influence firm size and asset growth on capital structure governmentgeneral banking in BEI? Data analysis, autocorrelation, multicolinearity andheterocedasticity test. The population is the entire company government general bankingin BEI as many as 4 companies, with the selected sample of 4 companies through thesampling census. The results showed firm size and asset growth have influence on capitalstructure government general banking in Indonesia Stock Exchange (BEI).

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27

Alam, Md Mahtab, and Dr Umesh R. Dangarwala. "Internet Banking Customer Satisfaction and Online Banking Service Attributes." Indian Journal of Applied Research 1, no. 6 (October 1, 2011): 198–99. http://dx.doi.org/10.15373/2249555x/mar2012/66.

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28

V., Bharathi Veena, and Dr Janarthananpillai . "Effect of Digital Banking Acceptance on Digital Banking Usage." Webology 19, no. 1 (January 20, 2022): 1344–57. http://dx.doi.org/10.14704/web/v19i1/web19090.

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Banking is one of the most important ingredients in economic development, because of banks have direct contact with the public as well as the countries economic affairs. Thus, banking institutions are considered as a most influential pillars of Indian economy and interreference of banking sector among the public become digitalized and now the digital banking system has been covered almost entire economy in the state. In this context, study has been analyzed the effect of digital banking acceptance on digital banking usage among elder banking customers, because of previous references indicates that elder people were far away from digitalization due to lack of knowledge, awareness, negative attitude created by the lack of knowledge etc. meantime many reviews found that elder people are more eager to use the technology. Here, in this context study has been analyzed the factors which are leads to the digital banking acceptance among the elder banking customers. Study has also analyzed the mediator (Informal Joint Family Network) effect between Digital Banking Acceptance (DBA) and Digital Banking Usage (DBU).

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Antonova, Olena, Iryna Tsapliuk, and L�onid Blazhey. "INVESTIGATION OF THE INFLUENCE OF DIGITALIZATION OF BANKING ON THE STRATEGIC MANAGEMENT OF THE BANK." Actual Problems of Economics 1, no. 232 (2020): 35–42. http://dx.doi.org/10.32752/1993-6788-2020-11-232-35-42.

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The article examines the impact of digitalization of banking on the strategic management of the bank and different scenarios of strategic development of the bank depending on the degree of acceptance of the bank's digitalization process. An analysis of the study of digital technologies currently used by banks in Ukraine. Based on the considered gradations of digital banking, it was concluded that Ukrainian banks follow the partial introduction of digital technologies in their own activities and use the first two models of each grading: �digital banking brand� and �bank with digital channels�, as well as banking, as a service and �inclusive bankin�. The bank's management, based on financial capabilities and the chosen model of strategic development of the bank, is able to choose different options for digital technologies that will solve various problems of its activities, increase efficiency and ensure optimization of revenues and expenses

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Zhang, Huiyi, Richard Skolnik, Yu Han, and Jinpei Wu. "The Impacts of China's Shadow Banking Credit Creation on the Effectiveness of Monetary Policy." International Journal of Finance & Banking Studies (2147-4486) 9, no. 4 (October 20, 2020): 33–46. http://dx.doi.org/10.20525/ijfbs.v9i4.899.

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This paper researches the impact that shadow banking in China has upon credit creation and the potential effectiveness of monetary policy. Using a credit creation model, we derive the effect that shadow banking has upon the money multiplier and the money supply. The model shows that shadow banking can change the money multiplier, potentially increasing it during an expansion and decreasing it during a contraction. Introducing shadow banking in a CC-LM model results in a shift of the CC and LM curves resulting in a higher equilibrium output. A vector autoregressive model is used to empirically estimate the impact of shadow banking deposits' growth rate on the growth rates of the broad money supply, GDP, and the CPI. The results show that shadow banking's credit creation function in China has a pro-cyclical characteristic, potentially reducing the money supply's controllability and increasing the difficulty in effectively regulating monetary policy. This paper introduces shadow banking into the currency creation process of traditional commercial banks, accounting for the reserve requirement ratio, the excess reserve ratio, the shadow bank leakage rate, and the reserved deduction rate. Future research can determine whether coordinating monetary policy and leverage ratio regulation mitigates the impact of shadow banking. Another area of research is how the shadow banking of non-financial companies affect monetary policy.

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Bananuka, Juma, David Katamba, Irene Nalukenge, Frank Kabuye, and Kasimu Sendawula. "Adoption of Islamic banking in a non-Islamic country: evidence from Uganda." Journal of Islamic Accounting and Business Research 11, no. 5 (January 2, 2020): 989–1007. http://dx.doi.org/10.1108/jiabr-08-2017-0119.

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Purpose This paper aims to examine the concept and practice of Islamic banking in the context of a non-Islamic country such as Uganda. Design/methodology/approach Semi-structured interviews were used to elicit the strategies banks may use to ensure that the Islamic banking system is successful and to ascertain those factors that may hinder its success. Chief executive officers of business associations, heads of committees on Islamic banking and religious leaders were interviewed. Findings The strategies used by financial institutions in ensuring the adoption of Islamic banking are now known such as “creating awareness of Islamic banking’s mode of operation among existing and potential clients.” The findings also show that factors such as “lack of trust among clients” may hinder the success of Islamic banking. Research limitations/implications The research findings are useful for informing the deliberations of regulators, the business community and financial institutions. The results are applicable only to those countries in the preparation stages of adopting Islamic banking services for the first time, but they could be generalized to any new product launch in any country. Originality/value This paper may help Ugandan financial institutions to design strategies that will accelerate the adoption and, ultimately, the diffusion of Islamic banking in Uganda.

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32

Soediro, Achmad, Media Kusumawardani, and Muhammad Farhan. "Genealogical Study on the Legitimacy Strategies in the Islamic Banking." Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 13, no. 1 (October 1, 2022): 1–17. http://dx.doi.org/10.18326/muqtasid.v13i1.1-17.

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This study aimed to explore legitimacy strategies in Islamic financial institutions andunderstand the process and reason for their shifting over time. A reflective approach was used towards literature data sources and a thematic analysis of interview results. Islamic Banking and financial institutions were seeking a legitimacy strategy by adopting sharia compliance to distinguish them from conventional banks. This study examined the development of Indonesia's Islamic banking and assessed responses from participants with an Islamic banking background. The results showed that the legitimacy strategy of Islamic banking changes over time. Initially, it used labeling, but the stakeholders' pressures and demands have led Islamic banking to change its strategy. It has moved through integrating financial and non-financial performance to a sharia compliance strategy. This study contributes to understanding Islamic banking's legitimacy strategy that has developed over time. Additionally, it helps develop a better legitimacy strategy in line with the future philosophical and ideological basis of Islamicbanking.

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Upadhyay, Jitendra Prasad. "E-Banking in banking system of Nepal." International Journal of Applied Research 7, no. 1 (January 1, 2021): 380–84. http://dx.doi.org/10.22271/allresearch.2021.v7.i1f.8208.

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34

Gulati, Ravneet. "Effect of E-Banking on Traditional Banking." Asian Journal of Research in Banking and Finance 9, no. 2 (2019): 1. http://dx.doi.org/10.5958/2249-7323.2019.00002.6.

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35

Herring, Richard J., and Richard Dale. "International Banking Deregulation: The Great Banking Experiment." Journal of Finance 48, no. 4 (September 1993): 1553. http://dx.doi.org/10.2307/2329052.

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36

John, Peter. "U- Banking: The Next Generation E-Banking." IOSR Journal of Economics and Finance 1, no. 4 (2013): 49–51. http://dx.doi.org/10.9790/5933-0144951.

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37

Onyshchenko, Yuliya. "BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM." Baltic Journal of Economic Studies 1, no. 2 (2015): 115–21. http://dx.doi.org/10.30525/2256-0742/2015-1-2-115-121.

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NELSON, RICHARD W. "OPTIMAL BANKING STRUCTURE: IMPLICATIONS FOR INTERSTATE BANKING." Contemporary Economic Policy 6, no. 2 (April 1988): 13–23. http://dx.doi.org/10.1111/j.1465-7287.1988.tb00283.x.

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Meryman, H. T. "Blood banking as model for tissue banking." Cryobiology 25, no. 6 (December 1988): 508. http://dx.doi.org/10.1016/0011-2240(88)90297-0.

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Cameron, Colleen W. "Universal banking and the U.S. banking system." International Advances in Economic Research 1, no. 1 (February 1995): 83–84. http://dx.doi.org/10.1007/bf02295867.

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Garrison, Roger W. "Central banking, free banking, and financial crises." Review of Austrian Economics 9, no. 2 (1996): 109–27. http://dx.doi.org/10.1007/bf01103332.

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Aswini, Shri, Erika Gunawan, Kevin Chaniago, and Fuji Astuty. "Pengaruh LDR, NPL, CAR dan DPK terhadap ROA pada Perusahaan Perbankan Periode 2015-2019." Owner 5, no. 1 (February 21, 2021): 252–59. http://dx.doi.org/10.33395/owner.v5i1.384.

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This slowing economy resulted in disrupted banking activities, especially profits decreased. The purpose of this study was to determine the effect of the Loan to Deposit Ratio, Non Performing Loans, Capital Adequacy Ratio, and third Party Funds on Returning Assets in Banking Companies on the Indonesia Stock Exchange 2015-2019 Period either partially or simultaneously. This research approach is quantitative. This type of research is descriptive statistics. The nature of this research is explanatory research. The population in this study was 45 banking companies in the Indonesia Stock Exchange for the 2015-2019 period. Technique sampling for this research used purposive sampling. So this research sample was 23 banking companies. Multiple linear regression model. The result is that the Loan to Deposit Ratio has no effect on Returning Assets in Bankingi Companies on the Indonesia Stock Exchange for the 2015-2019 Period. Non-Performing Loans have a negative effection Returnion Assets in Banking Companies on the Indonesia Stock Exchange for the 2015-2019 Period. Capital Adequacy Ratio has a positive effect on Return on Assets in Banking Companies the Indonesia Stock Exchange 2015-2019 Period. Third Party Funds have no effect on return on assets in Banking Companies the Indonesia Stock Exchange for the 2015-2019 Period. Together Loaniito Deposit Ratio, Non-Performing Loans, Capital Adequacy Ratio and Third Party Funds have an effect on return on assets in Banking Companies the Indonesia Stock Exchange 2015-2019 Period. The magnitude of this influence is 25.4% where the remaining 74.6% is influenced by other independent variables for example the ratio of income to operating expenses

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Hidir, Nashrullah, Muslimin Kara, and Ayu Ruqayyah Yunus. "Analisis Pemahaman Masyarakat Terhadap Bank Syariah Indonesia (BSI) Setelah Merger." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 4 (December 25, 2022): 1045–54. http://dx.doi.org/10.47467/elmal.v4i4.2284.

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Many factors prevent Muslims from accessing Islamic banking or banking that adheres to Qur'anic principles including a lack of university research, support from Islamic organizations and public knowledge of the practice. One of these factors is the fact that most people are not aware of Islamic banking, which prevents them from seeking out this financial institution. Moreover, most people have no knowledge of sharia law also known as Islamic finance although it is practiced by many banks around the world. This study explores public opinion about the existence of Islamic banks in Indonesia and their investment choices. It also investigates future investment prospects and Islamic banking products. This study uses qualitative data analysis methods derived through inductive and deductive methods. Furthermore, participants were found to have substantial knowledge about Islamic banks in Makassar. People are attracted to Islamic banks because they are implemented according to sharia principles. Many respondents stated that one of the reasons they like Islamic banking is because it is safer and more secure. Other reasons include avoiding usury and feeling proud to be a Muslim which some consider an advantage from an Islamic perspective. Keywords: Sharia, Sharia Bankin, Understanding

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Alam, Md Jahangir, Farhana Jesmin, Mohammad Faruk, and Md. Nur-Al-Ahad. "Development of E-banking in Bangladesh: A Survey Study." Financial Markets, Institutions and Risks 5, no. 2 (2021): 42–51. http://dx.doi.org/10.21272/fmir.5(2).42-51.2021.

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E-Banking is being grownup speedily in Bangladesh. The recent exceptional advancement in data technology and smartphones’ convenience has brought important changes in banks’ services in Bangladesh. Notably, banks are presently competitory to supply complete banking services via smartphones or through on-line platforms. Such digital banking services cut back long queues within the bank’s counter to withdraw cash/ to deposit cash to their accounts. However, very little is thought concerning security and customers’ feedback concerning such services, that is investigated during this paper. a lot of significantly, this paper tried to look at E-banking’s current standing, potential future opportunities, and challenges, notably in Bangladesh. To serve our functions, we have a tendency to interviewed one hundred fifty folks directly connected with such digital banking services, as well as bankers, users, and alternative people. Our study finds many barriers in E-banking service channels, as well as technological breakdown, infrastructural limitations, temporal arrangement problems, legal risks and name risks, etc. Our analysis conjointly finds that customers are not equally pleased with digital services, and that they demanded to scale back the extent of uncertainty related to digital banking services.

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Adriansyah, Ahmad, Fathoni Zoebaedi, and Ramzi A. Zuhdi. "Does the Principle of Running a Business in Conventional Vs Sharia Become Differentiator? Study on Banking Industry in Indonesia 2009 - 2014." Jurnal Ilmu Manajemen & Ekonomika 8, no. 2 (June 30, 2016): 116. http://dx.doi.org/10.35384/jime.v8i2.10.

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Comparing to conventional bank, Islamic banking industry in Indonesia relatively still in the early development stage. Islamic bank is different with conventional bank, and therefore there is a special regulation for Islamic bank. Research conducted in 22 countries (including Indonesia), shows that Islamic banking and has differences with conventional banking in term of business orientation, efficiency, asset kuality and stability. But other research 13 countries (not including Indonesia), show that Islamic banking’s performance is lower than conventional banking (Ariss, 2010). Islamic banking in Indonesia has a unique characteristic. Most of Islamic banking in Indonesia is converted from conventional bank, owned by conventional bank or originated from a conventional bank. Some resource of Islamic bank comes from conventional banking even some of them still using resource from their conventional bank as their parent. This result raises a question, whether in the context of Islamic banking in Indonesia, its performance is significantly different from conventional banks. To answer the research questions above, we do a t-test on ROA and ROE Islamic banks and conventional banks from 2009-2014. The results showed that there was no significant difference between the financial performances of Islamic banks with conventional banks, except for 2014. In 2014 Islamic bank’s ROE is lower than conventional banks. This research opens the opportunity to study the factors that could cause a difference in the performance of Islamic banks vs conventional banks.

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Kartono, Keris, Rully Trihantana, and Ria Kusumaningrum. "Preferensi Masyarakat Kecamatan Pamijahan Dalam Pemanfaatan Self-Service Technologies Dibank Syariah." SAHID BANKING JOURNAL 1, no. 01 (January 20, 2022): 28–44. http://dx.doi.org/10.56406/sahidbankingjournal.v1i01.18.

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Abstract One of the activities of a Sharia Bank that distributes funds to the public to develop a service based on independent information technology to be practical, easy, comfortable, and economical in cost, on Self-Service Technologies (SSTs) services such as Automatic Teller Machines (ATMs), SMS Bankimg, Mobile Banking, and Internet Banking. Currently, people in urban areas have been using SSTs a lot, while in rural areas SSTs the facilities and infrastructure are not sufficient enough. The aim is to examine people's preferences in the use of SSTs in Islamic banks. The research used a descriptive qualitative method with a phenomenological approach, the research subjects were in the Pamijahan sub-district, Bogor regency. The results of this study indicate that people's preferences are like or dislike like the number of respondents who like ATM machines 100% and 0% dislike, Mobile Banking is preferred by 75% and those who do not like it 15%, Internet Banking is preferred by 15% and those who do not like it. 75%, and SMS Banking is preferred 0.5% and 98.05% do not like it. In the village community, Kecamatan Pamijahan prefer ATM machines rather than Mobile Banking, Internet Banking, and SMS Banking because ATM machines are one of the facilities that are characterized by being able to withdraw cash cash at the ATM machine. Utilization of Self-Service Technologies In the Pamijahan sub-district, Bogor Regency, it is time efficient, practical, can check financial 24 hours, is safe, gets bank information, is free to register, and is comfortable. It is necessary to develop SSTs in rural communities so that their use is more optimal. Keywords: Preferences, Utilization of Self-Service Technologies, and Islamic Banks

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Dzomira, Shewangu. "Internet banking fraud alertness in the banking sector: South Africa." Banks and Bank Systems 12, no. 1 (April 26, 2017): 143–51. http://dx.doi.org/10.21511/bbs.12(1-1).2017.07.

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This paper analyzes internet banking fraud alertness to the general public by the South African banking institutions. The study is centered on routine activity theory, which is a criminology theory. A qualitative content analysis was used as the research technique for the interpretation of the text data from each bank’s website through the systematic classification process of coding and identifying themes or patterns to provide an in-depth understanding of internet banking fraud alertness in the banking sector. A sample size of 13 out of 16 locally and foreign controlled retail banks in South Africa was used. The findings report that banks are not adequately providing internet fraud alertness information to the general public on their websites notwithstanding that most banks they do provide such information to log-in users and the use of that information is doubtful. This study suggests a need to augment internet banking fraud alertness information and passably inform internet banking users of the types of internet banking fraud perpetrated by internet fraudsters before they log-in for transacting. Considering the current and widespread quandary of internet banking fraud, the information of this paper is important for internet banking users to improve their aptitude in identifying fraudulent schemes and circumvent them, and for the banking institutions to invest more in the provision of internet banking fraud information to the general public.

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Noor, Mohammad Ayaan, and Dr Chaya Bagrecha. "Islamic Banking: An Approach towards Alternative Banking System in India." International Journal of Research Publication and Reviews 5, no. 4 (April 11, 2024): 6090–96. http://dx.doi.org/10.55248/gengpi.5.0424.1077.

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Et. al., Mr G. Dhayanidhi,. "Impact Of Internet Bankingin Usage Of Consumer Satisfaction In Indian Banking Sector." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 10 (April 28, 2021): 7236–41. http://dx.doi.org/10.17762/turcomat.v12i10.5613.

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Internet Banking is set the use of the infrastructure for virtual age to create possibilities, each in local & worldwide market. IT allows the giant reducing of transaction price and the advent of recent kinds of banking possibilities that cope with the boundaries of time and distance. Banking possibilities are local, worldwide and on the spot in net banking. Internet banking is a web charge machine that allows clients of a financial institution or different economic establishments to behavior a number economic transactions via web sites of economic establishments. Internet banking has many benefits over different conventional banking shipping methods. Internet banking gives banks with an accelerated patron base, price savings, mass customization, product innovations, progressed marketing, and communication, the capacity to broaden non-center businesses, and the capacity to provide offerings no matter geography and time constraints, viewing account balances, latest transactions, ordering cheque books and lots of more. With the improvement of recent technology, Internet banking is anticipated to grow to be a main banking technique for clients. Internet banking reduces expenses via way of means of presenting clients with every other manner of having access to their bills with-out bodily touring a financial institution. The essential reason of this examine is to investigate numerous on line centers supplied via way of means of fundamental public and personal banks in India and to degree their effect on clients in phrases of patron satisfaction.

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Jiahua, Wang, Cao Yuanfang, Yang Xiaoling, and Wang Yue. "Does External Supervision Reduce the Risk Preference on Shadow Banking? (Note 1)——Evidence from Quasi-Natural Experiment Based on “Document No.107” of the State Council and National Audit Notice." International Journal of Economics and Finance 10, no. 7 (June 14, 2018): 108. http://dx.doi.org/10.5539/ijef.v10n7p108.

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The rapid development of shadow banking and its high-risk problems have got highly concerned from the supervision departments, and they have been supervised from various external aspects. The purpose of this study is to examine whether the administrative supervision can reduce the risk preference of shadow banking effectively from two aspects such as the “Document No.107” of the State Council and national audit. This study quantifies the effect of “Document No. 107” and national audit by the non-observed-effect panel data model and the PSM—DID. The results show that “Document No.107” and national audit can regulate shadow banking significantly by controlling other factors, which is reflected by the fact that the decreasing of shadow banking’s scale and the improvement in risk structure can significantly reduce the risk preference of shadow banking. Since administrative supervision and national audit have different supervisory means and functional mechanisms, the cooperation and complementation between them must be necessary in the future during the regulation of shadow banking. Finally, this paper puts forward corresponding policy recommendations based on financial stability objectives.

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