To see the other types of publications on this topic, follow the link: E-BANKING ERA.
Journal articles on the topic 'E-BANKING ERA'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'E-BANKING ERA.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Oladejo, Morufu, Saliu Yinus, Azeez Abeeb, S. Shittu, and Sanni Tajudeen. "WHY THE QUEUING IN THE BANKING ENVIRONMENT IN THE ERA OF ELECTRONIC BANKING." Acta Tecnología 7, no. 1 (March 31, 2021): 17–25. http://dx.doi.org/10.22306/atec.v7i1.99.
Full textAbstract:
Managing queuing within the banking business in Nigeria has constituted major challenges whose effects have not been thoroughly examined. This study sets to investigate the continuous queuing in the Nigerian banking environment despite e-banking adoption in Nigeria. The research adopted a survey design where primary data were obtained using a structured questionnaire. Fifty (50) respondents were purposively chosen. A purposive sampling technique was used which considered banks having branches within Ladoke Akintola University of Technology and Ogbomoso town. OLS regression was used to determine the influence of electronic banking on customers queuing the factors for queuing in the banking environment amid e-banking adoption at 0.05 level of significance. Findings revealed that queue in the study area was most of the time very high in the morning, high in the afternoon and evening while at night, most time witnessed no queue. Electronic banking had a significant influence on customers’ queuing in the study area. Further, Tendency to Hold Cash by banks customers (THC), Poor Internet Infrastructure (PII), Cybercrime (CC) were the major factors causing bank customer queue in the banking environment in Nigeria, followed by Inadequate of Banking Technology Management (IBTM) and E-Banking Transaction Cost (EBTC). Therefore, banks service providers should increase efforts on cashless e-banking services and ensure reliable internet service at all times. Bank customers should be made to appreciate other e-banking services than ATM and allay fear on tendency to hold cash.
2
Wong, David H., Nexhmi Rexha, and Ian Phau. "Re‐examining traditional service quality in an e‐banking era." International Journal of Bank Marketing 26, no. 7 (October 10, 2008): 526–45. http://dx.doi.org/10.1108/02652320810913873.
Full text
3
Muhammad Awalul Akhyar and Aji Damanuri. "Strategi Pemasaran Holistik Bank Syariah dalam Meningkatkan Kualitas Layanan E-Banking." Journal of Economics, Law, and Humanities 1, no. 1 (April 29, 2022): 79–93. http://dx.doi.org/10.21154/jelhum.v1i1.531.
Full textAbstract:
The development of technology has radically changed the banking transaction system, which altered the banking culture. The public has responded positively to e-banking services as a safe, reliable, and efficient payment system solution. Banking institutions such as Islamic banks need to have a holistic and standardized marketing strategy to be implemented in e-banking service products so that Islamic banks can survive in the current era of technological development. This research relates to the holistic marketing strategy of Islamic banks in improving the quality of e-banking services. This study aims to describe and analyze the strategy, tactics, and values that Bank Syariah Mandiri Ponorogo Branch Office uses to improve the quality of e-banking services to realize quality e-banking marketing and services.
4
Amin, Hindu J., Pauline E. Onyeukwu, and Hope I. Osuagwu. "E – Banking, Service Quality and Customer Satisfaction in Selected Nigerian Banks." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 4, no. 2 (2018): 51–57. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.42.2004.
Full textAbstract:
Electronic banking is an important tool for all banks to survive in the competitive Nigerian Banking Industry. This study examines the relationship between the quality of service and customer satisfaction in the e-banking era. A sample of 398 respondents was selected, out of the total number of 66,895 customer population. Structured questionnaires and interview were used in collecting the data. Descriptive statistics was adopted in analyzing the data from the respondents. The results revealed that there is a significant relationship between quality of service and customer satisfaction. The paper concludes that E-banking has a positive impact on the quality of service in the Nigerian banking sector, but not on customer satisfaction. The study suggests that staff training and development should be enhanced in the banking industry in order to render quality and timely services to their customers.
5
Manurung, Ibnu Syawali, Melisa Ananda Putri Ritonga, Febi Alicia, and Nurbaiti Sirait. "Kemudahan Sistem E-Banking terhadap Masyarakat Mengakses Sistem Informasi Perbankan Syariah pada Bank Syariah Indonesia (BSI)." Da'watuna: Journal of Communication and Islamic Broadcasting 3, no. 2 (January 25, 2023): 879–86. http://dx.doi.org/10.47467/dawatuna.v3i2.2877.
Full textAbstract:
In the 4.0 era, as now, the developments that have occurred in all fields are languishing in the banking world, as it is now, where information can be accessed easily whenever and wherever we are, one example of advances in information technology provided by Islamic banking is e banking, is one of the facilities provided by e banking to customers. This study uses a descriptive qualitative research method that aims to explain and explain clearly about a problem or an event, because the researcher feels that the problem being studied requires a deeper understanding.This study aims to aim at drawing conclusions about the ease of accessing e-banking in the present which is very easy to access, this convenience is not understood by ordinary people which makes the development of e-banking in Indonesian Islamic banking a little late. Islamic banking parties that are lagging behind conventional banking parties who have optimized convenience services so that it is easier for ordinary people to access is one of the problems with delays for Islamic banking, especially in Islamic banking
Keywords: convenience, information system, Islamic banking
6
Safitri, Eristya Maya, and Adelia Sefri Larasati. "ANALISIS KEAMANAN SISTEM INFORMASI E-BANKING DI ERA INDUSTRI 4.0: STUDI LITERATUR." Jurnal Ilmiah Teknologi Informasi dan Robotika 2, no. 1 (June 30, 2020): 12–16. http://dx.doi.org/10.33005/jifti.v2i1.25.
Full textAbstract:
Abstrak— Teknologi Informasi sejak lama telah dipandang sebagai penggerak dan pendukung strategi khususnya dalam dunia Perbankan karena hampir seluruh transaksi melibatkan penggunaan tekologi informasi, oleh sebab itu keamanan teknologi informasi perlu dikelola dengan baik untuk menghindari risiko yang mungkin terjadi. Risiko-risiko ini berkaitan dengan pencurian data informasi nasabah dan internal perusahaan. Risiko yang mungkin terjadi harus ditangani mulai sekarang agar tidak menimbulkan kerugian dalam penggunaan teknologi informasi. Mengontrol keamanan sistem informasi merupakan salah satu cara untuk melindungi data perusahaan dari salah satu risiko yaitu dari pihak yang tidak berwenang. Jika Pihak yang tidak berwenang dapat mengakses data perusahaan maka data perusahaan dalam status terancam karena dapat disalahgunakan. Pengamanan sistem informasi pada perbankan sangat diperlukan untuk memberikan akses ke pengguna yang sah, membatasi pengguna yang tidak sah dan mengontrol aktivitas mencurigakan. Tujuan penulisan ulasan literatur ini yaitu mengulas tentang keamanan informasi perbankan di lingkup E-Banking.
7
Venkatesh, K. S. Balaji. "Consumer Awareness and Perceived Risk of E-Banking Services: An Examination of Adoption and Usage Behaviour." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 154–61. http://dx.doi.org/10.53422/jdms.2023.101621.
Full textAbstract:
This study looks into how well-informed consumers are about e-banking services and how much risk they feel comes with using them. The findings imply that although most customers are aware of e-banking services, their comprehension of the hazards involved is generally lacking. Security worries, like the possibility of fraud and identity theft, are primarily responsible for the perceived danger. The study also found that clients who are more aware of e-banking services tended to view risk as being lower. These findings have significant ramifications for banks and policymakers in terms of upgrading security measures and improving customer education to lower the perceived risk associated with e-banking services. In the current digital era, consumer awareness and perceptions of the risk associated with ebanking services have grown more crucial. Consumers can manage their accounts quickly and conveniently with the help of e-banking services, but some risks are involved. The present status of research on consumer awareness and perceived risk of e-banking services is summarised in this study
8
Handayani, Yuniorita Indah, Agustin HP, and Purnama Miftahul Rizqi. "Customer Satisfaction Analysis of E Banking Users: A field study of Conventional Bank in Jember city." ABM : International Journal of Administration, Business and Management 4, no. 2 (November 28, 2022): 31–42. http://dx.doi.org/10.31967/abm.v4i2.624.
Full textAbstract:
The banking industry is currently growing rapidly by utilizing and optimizing management information and technology in the form of e-banking as an efficient means of a satisfying customer. Online-based services at banks are more efficient services to help customers. Technological advances have been used to attract customer for bank transactions. Therefore, customer satisfaction is a priority in banking activities. Customer satisfaction is an important factor in maintaining a competitive advantage in the era of technological development. This research is a form of replication that use the subject of bank customer of e-banking user in Jember city. The aim of the research is to determine the factors that influence customer satisfaction of e-banking users. The role of cloud service, security banking system, e-learning and service quality are four factors that can drive customer satisfaction. This research uses quantitative methods with multiple linear regression analysis. The sample use in this research amunted 125 respondents. This research find that cloud service, e-learning and service quality significantly affect on customer satisfaction, on the other hand security banking system has no effect on customer satisfaction.
9
Mansyur, Muhammad. "Marketing Opportunities for Bank Syariah Mandiri e-Banking Services as a Payment Method." Research Horizon 1, no. 2 (April 30, 2021): 71–80. http://dx.doi.org/10.54518/rh.1.2.2021.71-80.
Full textAbstract:
In the development of technology in this era of globalization, various industrial fields have begun to crawl to utilize and develop services based on technology and the internet. Likewise, the financial industry such as banking also competes with each other to provide internet-based services or it is known that the term e-Banking. At this stage of service in Indonesia in particular very rapidly. Moreover, now people must also be able to accept various other services such as internet-based buying and selling (e-commerce), electronic money (e-Money), and internet-based banking services (e-Banking). From various forms of activity that have turned to technology and the internet, there are also market opportunities for the Islamic finance industry. By taking advantage of payment opportunities, Islamic banks must be able to take advantage of market opportunities that exist in the community, and overall improve the ability of the Islamic financial system in the face of rapid technological developments so that they can provide Islamic-based services but can also provide services needed by the community such as e-Banking.
10
Limanua, Irene Ariska, Aldi Pamungkas, and Abdul Yusuf. "PENGARUH E-SATISFACTION ON RE-USE INTENTION PADA PLATFORM BCA MOBILE BANKING." EKOBIS : Jurnal Ilmu Manajemen dan Akuntansi 10, no. 2 (December 31, 2022): 272–78. http://dx.doi.org/10.36596/ekobis.v10i2.783.
Full textAbstract:
In this modern era, all activities are based on technology. One of them is the economic sector, all economies are starting to switch to using advanced technology such as e-banking. And one of the determinants of the company's success to increase the re-use intention of mobile banking applications is the high level of user satisfaction. This study uses a quantitative approach by spreading questionnaires and measurements are carried out using the Likert scale. This research was conducted on the BCA Mobile Banking platform, where the population in this study is all BCA Mobile Banking users. Purposive sampling techniques were used in determining the number of study samples totaling 102 people, and the data was analyzed using SPSS software with simple linear regression analysis. The results showed that e-satisfaction had a positive and significant effect on reuse intentions
11
Karim, Shakir, Ergun Gide, Raj Sandu, and Abdallah Al Tawara. "Analysing Bangladeshi Consumers’ Satisfaction and Preferences of E-banking Services in Small to Mid-sized Enterprises (SMEs)." Global Journal of Information Technology: Emerging Technologies 8, no. 2 (August 30, 2018): 62–74. http://dx.doi.org/10.18844/gjit.v8i2.3468.
Full textAbstract:
Abstract
The acceptance of Internet technologies has newly increased constant and rapidly in the era of information technology. It gives flexibilities to access E-banking systems on demand. Today E-banking is considered as the driver of any nation’s economy and it opens remarkable prospects all over the world. Basically, E-banking plays an ultimate character in supporting financial advancement of any country and provide financial services to the customers electronically. This Research analyses the satisfaction and preferences of E-banking in Bangladesh. It also discusses the success of E-banking in Small to Midsized Enterprise-SMEs of Bangladesh, the current E-banking infrastructure and future organisational plan about it. This Research mainly has used secondary research data and methods to provide a broad scenario of E-banking in Bangladesh, how to overcome the barriers in SMEs of Bangladesh for E-banking adoption. The Research is subject to academic journal articles, project reports, media articles, corporation based documents, Bangladesh Bank publication and other appropriate information. This Research also analyses the data collected from Bangladeshi government and non-government organisations and banking sector. It gathers answers from E-banking experts, IT educators, learners and academics as the respondents’ through interview on the basis of questionnaires which were prepared for this research purpose. Data were also collected by using interviews from Bangladesh E-banking based organizations that are offering their goods and services on electronic channels and professionals involved with E-banking related activities. The study found that E-banking is a platform where a customer performs online banking transaction without visiting a financial institution. E-banking is the influences of the future and it provides massive benefits to consumers regards to online transactions through internet, telephone and other electronic delivery channels. Bank in Bangladesh could use E-banking in order to gain economical advantage. At present, several Private Commercial Banks (PCBs) and Foreign Commercial Banks (FCBs) in Bangladesh offer online services and facilities within the branches of individual bank in the community. It is expected that banking can earn profit and offer better services to its customers by introducing E-banking facility more and more in Bangladesh. As an under developing country, Bangladesh is not fully known about E-banking sector in every area. As a result, this research also highlights the issues and factors related with E-banking e.g. cybercrime and try to discover the probable obstacles and prospects in Bangladesh to make an active solution of Bangladesh’s E-banking.
12
Salqaura, Siti Alhamra, Wan Rizca Amelia, and Alfifto . "Comparative Analysis of Perceived Ease of Use and Perceived Security Level in Usage Decision E-Banking in the Millennial Generation." International Journal of Research and Review 9, no. 12 (December 21, 2022): 296–303. http://dx.doi.org/10.52403/ijrr.20221232.
Full textAbstract:
Mobile Banking in life in the Digital 5.0 Era is now very commonly used, including by the Millennial Generation. Perceived ease of use and perceived security levels determine the decision-making using mobile banking in the millennial generation. This study aims to compare the decision to use e-banking and whether there is a difference between the perceived ease of use and perceived security level in the millennial generation. Sampling was done by purposive sampling method. Respondents are consumers of the millennial generation. Data analysis was performed using an independent t-test. The study results show a significant difference of 46.62% between perceived ease of use and perceived security level in deciding to use e-banking in the millennial generation. Keywords: Perceived Ease of Use; Perceived Security Level; Usage Decision, Experience
13
Utama, Andrew Shandy. "Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia." Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial 6, no. 2 (December 5, 2021): 113. http://dx.doi.org/10.22373/justisia.v6i2.11532.
Full textAbstract:
Technological developments make the world borderless. The development of information and communication technology has touched the banking sector. Based on the operational system, the types of banks can be divided into conventional banks and Islamic banks. This study aims to explain the digitalization of conventional bank products and Islamic banks in Indonesia. The method used in this research is normative legal research. The development of information and communication technology has touched the banking sector. As one of the efforts to increase bank capability, more optimal utilization of information technology development is a prerequisite in supporting bank service innovation. Therefore, digital banking is a very potential business opportunity and an inevitable necessity in the banking sector in the digital era. In addition to increasing the efficiency of bank operational activities, digital banking can improve the service quality of conventional banks and Islamic banks to customers in transactions. The Financial Services Authority of the Republic of Indonesia then issued Financial Services Authority Regulation Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. There are forms of e-Banking services that can be used at conventional banks and Islamic banks, namely ATM (Automated Teller Machine), EDC (Electronic Data Capture), internet banking, SMS banking, mobile banking, e-Commerce, phone banking, and video. banking
14
Zhu, Xiruo. "Exploring the Advantages and Insights of e-Banking Development in Hong Kong." Journal of Business and Management Studies 5, no. 2 (March 17, 2023): 57–60. http://dx.doi.org/10.32996/jbms.2023.5.2.6.
Full textAbstract:
As a prosperous Special Administrative Region of China, Hong Kong has been ranked as the world's freest economy for 22 consecutive years. In addition to being ranked first in the Economic Freedom of the World 2022 Annual Report, Hong Kong continues to rank first in the five major assessment categories of “freedom of international trade” and “regulation”. “This is attributed to Hong Kong's focus on optimising the business environment and the increasing efficiency of the market, which has enabled the economy to grow dynamically. In an era where the role of financial technology is widespread, Hong Kong has also kept pace with Internet finance, and the rapid development of e-banking has been instrumental in driving Hong Kong's economic prosperity and leveraging the advantages of a free market. The purpose of this paper is to analyse the basic situation of e-banking in Hong Kong, compare the strengths of e-banking in Hong Kong and then explore the development trends of e-banking in Hong Kong under these operating models for insights. The study shows that Hong Kong's rapid growth and prosperous economy cannot be achieved without continuous innovation and self-management. With the strong development of Internet finance, e-banking in the Greater Bay Area and e-banking in the Mainland need to work together to innovate, meet the challenges and promote the development of China's financial industry.
15
Teimuraz Goderdzishvili, Teimuraz Goderdzishvili. "A New Era of Banking in Georgia: Prospects of Digital Bank." New Economist 18, no. 01 (March 31, 2023): 52–58. http://dx.doi.org/10.36962/nec18012023-52.
Full textAbstract:
The development of digital banks represents an essential innovation in the banking industry. These banks are financial institutions that offer services such as online banking, mobile banking, and virtual debit cards. Digital banks offer customers low fees, a convenient interface, innovative products, and 24-hour banking services. Digital banks are expected to become even more popular and offer many innovative products. During the last few decades, the banking sector in Georgia has developed very actively. Leading banks have created many innovative products and listed their shares on the stock exchange. In the business sector, banks have created a certain trend associated with innovation and development. The regulations, policies, etc. adopted by the National Bank of Georgia have established a single standard in the banking sector, thereby protecting the interests of consumers and creating common rules for the financial sector. Along with constant changes, the National Bank of Georgia also develops new directions for the banking sector and tries not to lag behind world trends. On November 17, 2022, the National Bank of Georgia issued the first license for digital banking activities. According to the digital bank licensing principles developed by the National Bank, after assessing the applicant's business model and compliance with the requirements established by law, a banking license is issued with certain restrictions, and a deadline is set for the full operation of the digital bank and the gradual filling of the minimum amount of supervisory capital. What opportunities does the development of digital banks in Georgia give us, and what is the experience of international digital banks? In the modern world, the development of globalization and information technology has made it urgent to move the economy to a fundamentally new level. It should be noted that the use of existing methods in the modern economy does not contribute to rapid growth, and the digital economy allows a country to significantly change its position on the world stage. This leads to the generally accepted opinion that the development of the country as a whole is possible with the effective introduction of modern technologies in all spheres of the economy. An ecosystem is a group of organizations that provide continuous interaction with each other using Internet services, technological platforms, government services, and information systems. Initially, the active implementation of digital technologies began in the banking sector, which controlled gold and currency flows. As the most important segment of the economy of any state, the financial sector today reflects the most progressive solutions in digitalization. The innovations proposed in this area aim to improve financial efficiency through better and more personalized services, as well as lower costs for clients. Today, the financial system is undergoing a new evolution in the digital economy. Digital transformation is transforming business models and the banking sector, from the creation of internet banking to remote financial transactions. Thus, modern technological evolution serves as the basis for the sustainable and long-term growth of banks' activities. Keywords: Digital bank, Innovative products, Modern technologies, POS terminal, Digitalization, E-commerce, FinTech, Online orders.
16
Uppal, R. K. "E-Banking: Problems and Prospects an Empirical Study in Punjab." Information Management and Business Review 2, no. 3 (March 15, 2011): 118–24. http://dx.doi.org/10.22610/imbr.v2i3.890.
Full textAbstract:
The present study is concerned with the problems and prospects of e-banks in India. The present paper suggests some policies on the basis of perceptions of 60 selected e-bank employees regarding the various issues related to e-banking services. The paper concluded that not more then 50% of Indian bank customers are using e-channels, these channels are not much popular among old age and middle age persons as much as among youngsters and finally the paper concludes that the most of the customers are shifting from public sector banks to new private sector banks or foreign banks to avail innovative and attractive services. On the basis of these conclusions, paper suggests some strategies to make the public sector banks more competitive in the era of IT.
17
ISMAT, SONIA, AZIZ ULLAH, MUHAMMAD WAQAR, MUNEERA QURESHI, HASSAN NAWAZ, and KASHIF LODHI. "EFFECTS OF E-BANKING ON CONSUMER SATISFACTION AND ITS POTENTIAL CHALLENGES: A CASE OF PRIVATE BANKS IN PUNJAB." Bulletin of Business and Economics (BBE) 12, no. 2 (August 29, 2023): 382–88. http://dx.doi.org/10.61506/01.00014.
Full textAbstract:
The adoption of E-banking by private banks in Punjab has seen momentous growth in modern era. This growth can be attributed to several factors, including the increasing penetration of smartphones, improved internet connectivity, and evolving consumer preferences. The primary objective of this study was to evaluate consumer satisfaction levels concerning E-banking initiation provided by exclusive banks in Punjab, Pakistan. Additionally, the study aimed to identify the key components that influence consumer satisfaction with E-banking in private banks in Punjab. These factors include service quality, security, user experience, and innovation. To conduct this study, a quantitative cross-sectional approach was employed, and the sample size consisted of 200 customers. The obtained reliability of the study fell within an acceptable range. The results of this research provide significant insights into the complex relationship between E-banking adoption, the various influencing factors, and overall customer satisfaction levels in private banks in Punjab. Unequal access to technology and digital literacy can limit the benefits of E-banking to certain segments of the population, potentially leading to dissatisfaction among excluded groups. Banks should work on bridging this divide to ensure broader customer satisfaction. Private banks in Punjab must continue to innovate and adapt to evolving customer expectations to maximize the benefits of E-banking and maintain high levels of consumer satisfaction.
18
Uppal, R. K. "Customer Service in Banks: Mapping Excellence in Emerging New Competitive Era." Information Management and Business Review 2, no. 5 (May 15, 2011): 193–202. http://dx.doi.org/10.22610/imbr.v2i5.900.
Full textAbstract:
The Indian Banking Industry has undergone radical changes due to liberalization and globalization measures undertaken since 1991. Today, Indian Banking Industry is one of the largest in world. There has been a great surge in efficient customer services. A highly satisfied and delighted customer is a very vital nonfinancial asset for the banks in the emerging IT era. The curtsey, accuracy & speed are like a crown factors for a bank. Based on the responses of 768 customers of public sector bank, Indian Private Sector Bank & Foreign Bank (each one from these groups) operating in Amritsar district of Punjab and in case of fully E-bank, (three banks, one from each bank group) have been taken into consideration. It may be inferred that there is significant difference among three bank groups with regard to the time customers have to spend to transact a business. The E-banks are more efficient in regard to time factor. This is the very important factor of shifting of potential customers in E-banks. The survey was conducted in Amritsar district of Punjab in the month of September 2007. Chi-Square test is used to check the level of significance difference among various bank groups and coefficient of contingency among various bank group customers’ responses is also calculated.
19
Arif, Amirul, Luqman Hakim, Susanti Susanti, and Moh Danang Bahtiar. "Pelatihan Pembuatan dan Penggunaan E-Modul Perbankan Syariah sebagai Upaya Meningkatkan Kualitas Pembelajaran di Era Pandemi." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 1 (September 18, 2023): 955–64. http://dx.doi.org/10.47467/alkharaj.v6i1.5022.
Full textAbstract:
Education in the 21st century demands the use of technology to make innovations in the learning process, this results in social changes in the scope of education. In addition to the demands of the 21st century, the Covid-19 pandemic situation requires educators and students to be adaptive in the technology-based learning process. One of the successes in the learning process is the teaching materials used by educators. Problems that arise with partners (East Java Sharia Banking MGMP Teachers) are teaching materials that are less complex in learning, so far partners only use teaching materials in the form of printed teaching materials and pieces of each chapter of material uploaded in google classroom. Therefore, the PKM team wants to provide training to teachers who are members of the East Java Province Sharia Banking MGMP for the use and development of teaching materials. The teaching materials used in this training are e-modules assisted by the Flip PDF Professional application. The method of implementing this training activity is carried out in three stages, namely: needs analysis, implementation of training activities and evaluation of activities. The results of the questionnaire show that respondents are very interested in the training activities carried out and this activity is very useful for participants to be able to compile teaching materials in the form of E-Modules which can later be used in online learning.
Keywords: Covid-19 pandemic; E-modules; Islamic banking; Online learning
20
Suharbi, Muhammad Akbar, and Hendro Margono. "Kebutuhan transformasi bank digital Indonesia di era revolusi industri 4.0." Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan 4, no. 10 (May 25, 2022): 4749–59. http://dx.doi.org/10.32670/fairvalue.v4i10.1758.
Full textAbstract:
The occurrence of the Covid-19 pandemic forced humans to adapt to technology, not least in terms of finance, namely transactions in banking. This study aims to analyze the transformation of the banking industry into a digital bank in providing services to customers. This research is a type of qualitative research using secondary data from reliable literacy. The results of this study indicate that the transformation into a digital bank provides many advantages for banks to be able to continue to survive in running their business. Where digital banks are the choice of customers in transacting in the financial sector because it is easy, fast, and efficient. Transforming into a digital bank can also increase more customers and fee base income for banks because they can collaborate with fintech and e-commerce and can be efficient in managing bank assets which in turn can increase bank profits exponentially. However, in transforming into a digital bank, banks must have a strong foundation, especially in terms of infrastructure and security of customer data that is vulnerable to hacking attacks (cyber crime). So that in the Industrial Revolution 4.0 era technology is the main key in winning the competition and remaining sustainable in running a business, for that the banking sector in Indonesia is required to continue to innovate in providing the best service to its customers.
21
Junaedi, Edy. "QUO VADIS MARKETING PERBANKAN SYARIAH DI ERA MILENIAL INDUSTRI 4.0." Asy-Syukriyyah 21, no. 1 (June 9, 2020): 61–82. http://dx.doi.org/10.36769/asy.v21i1.99.
Full textAbstract:
Penelitian ini bertujuan untuk melakukan investigasi pengaruh aset industri bank syariah, sumber daya insani industri bank syariah dan non performing financing industri bank syariah terhadap market share bank syariah Indonesia. Sampel yang digunakan adalah populasi industri bank syariah dari Otoritas Jasa Keuangan (OJK) Republik Indonesia. Menggunakan analisis regresi F Test dan T Test dengan software SPSS versi 22. Hasil Uji F menunjukan bahwa aset bank syariah, sumber daya insani dan non performing financing secara simultan berpengaruh terhadap market share bank syariah. Hasil uji T menunjukan bahwa aset bank syariah secara parsial berpengaruh signifikan terhadap market share bank syariah, variabel sumber daya insani bank syariah dan non perfotming financing secara parsial tidak berpengaruh terhadap market share bank syariah. Disrupsi di pelayanan keuangan perbankan mengubah strategi pemasaran syariah, disrupsi di kantor cabang, pembayaran berbasis kartu, ATM, internet banking (berbasis web), uang tunai, customer service, tradisional call center, sms banking, E money dan produk, bisnis juga criptocurrency, E commerce, credit, waqf, asuransi kesehatan milenial, aplikasi berbasis online, perilaku bayar nanti, aware terhadap riba, pembayaran digital, investasi online, perencanaan keuangan, kredit digital, top up game dan angsuran 0%. Untuk mampu hidup di abad milenial dibutuhkan strategi yang mengakomodasi apa yang diharapkan oleh kaum milenial, dengan Leap Strategies agar bisa meningkatkan market share bank syariah lebih dari 5 persen.
22
Murti, Wisnu Handoyo. "Pengaruh E-Banking dan Good Corporate Governance terhadap Kinerja Perbankan di Indonesia." AKURASI: Jurnal Riset Akuntansi dan Keuangan 1, no. 1 (July 1, 2019): 21–30. http://dx.doi.org/10.36407/akurasi.v1i1.60.
Full textAbstract:
This study aims to examine the effect of e-banking and the implication of good corpoarte governance on banks performance. The rapid movement of digital technology in dealing with transaction provides both challange and opportunities. Banks, should understand the digital trend to survive in digital era, while the good corporate governance practice will impact banks performance through planning strategies and decision making. This paper use panel regression to analyze the data, and banks that listed in Indonesia Stock Exchange is used as sample. The result indicates that e-banking, board size, and institutional ownership do not statistically significant in influencing banks performance. While ownership concentration and independent commissioner has positive effect on banks performance.
23
Shrestha, Sulochana, Niranjan Devkota, Udaya Raj Paudel, Udbodh Bhandari, and Seeprata Parajuli. "Bankers' Communication Know-how: An Analysis from Commercial Banks of Kathmandu valley." Quest Journal of Management and Social Sciences 2, no. 1 (May 19, 2020): 66–80. http://dx.doi.org/10.3126/qjmss.v2i1.29023.
Full textAbstract:
Background: In the modern era, communication has changed the way of working styles, banking sectors are practicing banking communication in order to make work easier, faster, comfortable and accurate. Banking communication plays the role of mediator in between bank, customer, government, shareholder, suppliers, client, board of directors and employees which strengthen connection between them. Therefore, banker's experience on banking communication enhances banking system, employee's behavior and core banking service facilities management.
Objective: This study analyses socio demographic, financial service management, human resource management, corporate influence, organizational regulator, communication culture, responsiveness, organizational culture, e-banking service facilities, organizational functioning and communication encounters.
Methodology: This study is based on exploratory research design showing causal relationship between latent and observed variables. The research prepares systematic questionnaire to interview respondents where 355 employees are interviewed by using purposive sampling technique. The result is based on descriptive analysis and Awareness Index.
Results: The Employees Awareness Index depicts 12% of employees are inadequately aware about banking communication followed by 46% of employees are moderately aware and 37% of employees are adequately aware about banking communication.
Conclusion: This study revealed that, in order to improve banking system, the bank should focus on financial service management and organizational regulator. For smooth control on employee's behavior bank should concentrate on communication culture, responsiveness and organizational culture. Similarly, core banking service facilities management should overview on e-banking service facilities.
Originality: This paper is original and not published anywhere else.
24
Piotrowski, Dariusz. "Consumer perceived ethicality of banks in the era of digitalisation: The case of Poland." Economics and Business Review 8 (22), no. 1 (2022): 90–114. http://dx.doi.org/10.18559/ebr.2022.1.
Full textAbstract:
Ethically conducted business has a positive impact on consumer trust, satisfaction and loyalty. The aim of this paper is to identify the bank activities that customers perceive as ethical and to what extent they affect consumer perceived ethicality. The binomial logit model applied in this study demonstrates that the honesty of financial advice, use of e-banking services and use of artificial intelligence technology to improve the quality of banking services have a significantly positive impact on consumers’ perception of banks in Poland as ethical institutions. Significant variables that negatively influence consumer perceived ethicality include gender, education, use of financial advisory services, banks’ manipulation of information about financial products and use of personal data against the will of customers.
25
Teguh Permana, Andriani Puspitaningsih, Asri Djauhar, and Surianti Surianti. "MASA DEPAN USAHA KONTER PULSA DI ERA DIGITAL." MANAJEMEN 2, no. 2 (October 17, 2022): 92–96. http://dx.doi.org/10.51903/manajemen.v2i2.150.
Full textAbstract:
This study aims to determine the future of the pulse counter business in the digital era. The method used is descriptive by collecting data directly in the field and analyzed. The results of the study indicate that there have been many pulse counter businesses that have replaced businesses or combined with other types of businesses. The implication of this is that the pulse counter business can no longer be relied on as a prospective business because other alternatives have emerged that can be used to buy credit either through mobile banking or e-commerce on the Internet
26
Rahman, Akim M., and Saadi Islam. "Customers’ Opinions on Voluntary-Insurance in Bank-led Digital-banking: Statistical Analysis for Policymakers’ Attentions." Athens Journal of Business & Economics 9, no. 2 (March 3, 2023): 181–200. http://dx.doi.org/10.30958/ajbe.9-2-4.
Full textAbstract:
In 21st century business-mentality era, bank-services have been modernized where customers compete for comparative time-saving-options. However, many factors in services are unpredictable. Perceived-risk has been undermining the prospects of cashless-society country-wise such as Bangladesh. But banks should work eliminating issues particularly perceived risk by adopting Voluntary Insurance (VI) provision as proposed by Rahman (2018) in literature. Now using statistical techniques, this study examined customers’ opinions on VI as provision in e-banking services. Findings of this study show that customers’ “age group” and “education level” have preferences for enacting VI as Provision. Data statistics were collected from 200 respondents of city & rural areas of Bangladesh, which was used to test the mediated model using the Hierarchical Regression. The results have supported that the perceived-risk has acted as a partial mediator in the relationship between independent variables particularly psychological risk, trust, financial, performance, dispute, pin-fraud, social/ privacy-risk to dependent variable, that is, customers’ preferences for VI provision in e-banking services. Absolute risk-free services can attract more users of bank-led e-banking. Accordingly, policymakers can play vital role ensuring modern-society when it come e-banking services. Since digital transactions are not insured under Bank Laws in Bangladesh, like in other countries, this effort is for bringing the findings to the attentions of policymakers country-wise. Keywords: bank-led digital, perceived risk, voluntary insurance as banking-provision, risk-free digital-banking services
27
Obafemi, Frances Susan, Olumide Ayodele, and Friday Ebong. "The Sources of Efficiency in the Nigerian Banking Industry." International Journal of Finance & Banking Studies (2147-4486) 2, no. 4 (October 21, 2013): 78–91. http://dx.doi.org/10.20525/ijfbs.v2i4.164.
Full textAbstract:
The paper employed a two-stage Data Envelopment Analysis (DEA) approach to examine the sources of technical efficiency in the Nigerian banking sub-sector. Using a cross section of commercial and merchant banks, the study showed that the Nigerian banking industry was not efficient both in the pre-and-post-liberalization era. The study further revealed that market share was the strongest determinant of technical efficiency in the Nigerian banking Industry. Thus, appropriate macroeconomic policy, institutional development and structural reforms must accompany financial liberalization to create the stable environment required for it to succeed. Hence, the present bank consolidation and reforms by the Central Bank of Nigeria, which started with Soludo and continued with Sanusi, are considered necessary, especially in the areas of e banking and reorganizing the management of banks.
28
Feruś, Anna. "The Development of Electronic Banking Services in Poland in the Era of the COVID-19 Pandemic using the Example of PKO Bank Polski." Folia Oeconomica Stetinensia 22, no. 2 (December 1, 2022): 38–54. http://dx.doi.org/10.2478/foli-2022-0018.
Full textAbstract:
Abstract Research background: The COVID-19 pandemic has changed consumer preferences and their use of banking services. Consequently, the propensity of bank customers to use electronic banking has increased. Banks, in order to meet customer expectations, develop and improve the most popular channels of distribution of their services, offering increasingly advanced technological solutions that provide the customer with a high level of security. Purpose: The aim of this paper is to analyze and evaluate the functioning of electronic banking in PKO Bank Polski in the era of the SARS-CoV-2 coronavirus pandemic. Research methodology: The current situation regarding the functioning of e-banking in Poland in the era of the pandemic with particular emphasis on the development of electronic banking services at Bank PKO Bank Polski was investigated. Development trend models were used for the study, and then applied to forecast the changes that will occur in the electronic banking market in Bank PKO Bank Polski at the end of 2022 and in 2023. The analysis was carried out using the STATISTICA 13.3 program. Results: Banks, including PKO Bank Polski, will increasingly need to develop their digital infrastructure and continue to innovate to keep up with changing lifestyles. In the future, the use of cash will be marginalized in favour of electronic payments. Novelty: Further IT and telecommunication progress at PKO BP Bank Polski will result in the emergence of more innovative solutions for banking services and, at the same time, the development of the electronic money market.
29
Oloyede, M. O., O. O. Ogundile, W. O. Oloyede, M. D. Abdulrahaman, and H. O. Oladipupo. "Investigating the use of E- Banking activities during the Covid-19 pandemic in Nigeria." Dutse Journal of Pure and Applied Sciences 9, no. 3a (October 10, 2023): 246–59. http://dx.doi.org/10.4314/dujopas.v9i3a.25.
Full textAbstract:
The coronavirus (COVID-19) was declared by the World Health Organization (WHO) as a global pandemic and required certain safety precautions. These included wearing of face masks, washing of hands, and keeping necessary social distances between people. It is observed that most individuals did not follow these safety measures. For instance, during the pandemic, people did not adhere to the safety precautions of wearing face masks and social distancing. Also noticed was the large crowd at every bank branch, hence the question, why did people engage in physical banking amidst the deadly pandemic. Therefore, this research seeks to study the customer perception of Electronic Banking (E–banking) activities during the covid-19 era. The study focuses on five bank branches within the Ilorin metropolis. Data was obtained using structured questionnaires which was administered to sampled respondents, and analysis was done using Statistical Package for Social Sciences (SPSS). The results of the analyses showed that bank customers are aware that Covid-19 can be contracted from going to the bank to queue among the crowd. However, they had no choice due to constraints to the use of E-banking services. This study provided recommendations toward solving the challenges discovered to adequately safeguard both the system operators and the general public while using E-banking systems and services.
30
Shrestha, Sulochana, Seeprata Parajuli, and Udaya Raj Paudel. "Communication in Banking Sector: A Systematic Review." Quest Journal of Management and Social Sciences 1, no. 2 (December 31, 2019): 272–84. http://dx.doi.org/10.3126/qjmss.v1i2.27445.
Full textAbstract:
Background: Effective banking communication strengthens the relationship between customer, suppliers, stakeholders, manager, client, employees and board of directors. Banker’s experience on banking communication enhances banking system, employee’s behavior and core banking services facilities management. Banking communication improves organizational effectiveness through training, knowledge management, risk management, internal control system and data security management. In modern era, communication channel is transformed into electronic channel promoting e-banking which includes internet banking, mobile banking and e-payment system. Moreover, clerical work shifted into electronic form, which cut costs and satisfy customer.
Objectives: This paper explores how banker’s experience effects on banking communication in commercial banks, which enhances their understanding level and determines effective communication in workplace.
Methods: Extensive desk reviews followed by related literature werecarried out to gain better insight regarding the field of study.
Findings: With the passage of time, computers and technologies have changed the traditional method of communication system. Banks are now using windows, world processing system, excel, computer operating system, DOS, database management system, data planning and database design, data security, internet, intranet, extranet service and email system which increase working performance.
Conclusions: Bank managers need to understand importance of communication skills in order to increase effectiveness of internal communication between manager and employees.
Implications: Commercial banks of Nepal requireto update in their communication practices and strategies in order to build proper channel which would help in communication between employees and management.
31
Hendriyani, Chandra, N. A. Sam', and un Jaja Raharja. "Analysis building customer engagement through e-CRM in the era of digital banking in Indonesia." International Journal of Economic Policy in Emerging Economies 11, no. 5 (2018): 479. http://dx.doi.org/10.1504/ijepee.2018.094820.
Full text
32
Hendriyani, Chandra, and Sam'un Jaja Raharja. "Analysis building customer engagement through e-CRM in the era of digital banking in Indonesia." International Journal of Economic Policy in Emerging Economies 11, no. 5 (2018): 479. http://dx.doi.org/10.1504/ijepee.2018.10016102.
Full text
33
Diniz, Eduardo H., and Heloísa Mônaco dos Santos. "Internet banking." GV-executivo 5, no. 3 (October 3, 2006): 41. http://dx.doi.org/10.12660/gvexec.v5n3.2006.34299.
Full textAbstract:
Hoje em dia, a utilização de Internet banking já está incorporada às práticas do negócio bancário. Contudo, há não mais do que dez anos, a realidade era bem diferente. Utilizando o estudo de caso de um banco brasileiro pioneiro na adoção da Internet, o artigo explora fatores para a incorporação e consolidação desta na estratégia do setor bancário. A análise do caso mostra que a adoção de novas tecnologias é fenômeno complexo que envolve dimensões de ordem social, cultural, política e, naturalmente, econômica.
34
Ahmed, Nasif, and Akriti Kumari. "Implication of E-commerce Emerging Markets in Post-Covid Era." International Journal of Entrepreneurship and Business Management 1, no. 1 (May 14, 2022): 21–31. http://dx.doi.org/10.54099/ijebm.v1i1.102.
Full textAbstract:
The process of buying and selling via internet platforms is referred to as E-commerce. E-commerce has become a worldwide trend in recent years. People from all around the world have begun to purchase things online. Mobile commerce, money transfer, inventory management, and other aspects of electronic commerce are included. With only a few clicks, anyone can send anything to anyone, whether it's money or presents. In the future, electronic commerce might have a significant economic impact. Internet business will permanently alter the face of business. Furthermore, in the twenty-first century, E-commerce will transform banking. E-commerce has had a wide range of effects on the increasing global economy. First and foremost, it has impacted information technology and all economic sectors; above all, E-commerce has boosted global productivity growth and its impact are too high. They are able to determine the number of qualified people required to advance their country's information economy, as well as calculate the amount of investment required to provide businesses with internet access. Some benefits are now in a position to compare their economies to those of their international competitors, and there are numerous ways to boost productivity growth in present emerging markets.
35
Akhter, Ayeasha, Md Mobarak Karim, Sabeha Jannat, and K. M. Anwarul Islam. "Determining factors of intention to adopt internet banking services: A study on commercial bank users in Bangladesh." Banks and Bank Systems 17, no. 1 (March 31, 2022): 125–36. http://dx.doi.org/10.21511/bbs.17(1).2022.11.
Full textAbstract:
E-commerce and e-business are necessary components of today’s internet banking due to the developing global economy. Alternatively, in this technological era, the banking sector’s success is associated with creating bank users’ intention to adopt internet banking services. Therefore, the aim of this study is to determine the influencing factors of intention to adopt internet banking services of commercial bank users’ in the Bangladeshi context. A survey questionnaire was formulated based on past works of literature to find out the research objective. The convenience sampling method has been used in this study. For the data collection purpose, 250 bank users were asked request to participate in the research. As a fully completed survey, 180 responses were received where the response rate was 72% and the sample size was n = 180. For correlation analysis and hypotheses testing, SPSS version 26.0 was used. The results of the study show that Perceived Security Risk (PSR), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Social Influence (SI), and Consumer Innovativeness (CI) have a statistical and significant impact on the intention to adopt internet banking services. It is concluded that the bank management committee should utilize PU, PEU, SI, and CI to amplify the level of willingness to adopt and embrace general banking services through internet platforms among bank users in their online banking transactions. For the future research study, this paper outlines several significant implications and offers some directions for the bank management committee of a commercial bank.
36
Pebrianti, Wenny, Wenseslaus Tanwira, and Ahmadi. "Online Relationship Marketing to Customer Loyalty Based on Signaling Theory (Evidence of Bank Customers in Indonesia)." 11th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 11, no. 1 (December 9, 2020): 127. http://dx.doi.org/10.35609/gcbssproceeding.2020.11(127).
Full textAbstract:
The internet has changed people's way of life, especially in dealing a transaction. Indonesian banking entered a new era since 2000 when banks in Indonesia began implementing electronic banking or e-banking systems. Integrating cellular communication technology and banking financial services is changing people's lifestyles to be more flexible in making it easier for users to access banking financial services without being hindered by time, place and space. The same integration also occurs in relationship marketing strategies and cellular communication technologies that make it easy for companies to be able to reach and provide the best service to their consumers. This study wants to reveal the relationship of interactivity and engagement which is an activity of Online Relationship Marketing at a bank to be able to understand consumers in order to create customer loyalty with online trust as mediation.Based on the above background, the problem in this study is "Does Online Relationship Marketing activities such as engagement and interactivity affect customer loyalty either through online trust as mediation or not?" Keywords: engagement, interactivity, online trust, customer loyalty, signaling theory
37
Asamoah, Julius Yaw, and Linda Owusu-Agyei. "The impact of ICT on Financial Sector Policy Reforms in Post-Financial crisis era in Ghana:." International Journal of Finance & Banking Studies (2147-4486) 9, no. 2 (June 9, 2020): 82–100. http://dx.doi.org/10.20525/ijfbs.v9i2.737.
Full textAbstract:
Ghana, like most other developing countries, is not isolated from the global financial crisis through the impact of such a crisis on economies. This paper examines the financial sector reforms and its effect on the Ghanaian economy, within the developing country context in general and in sub-Saharan Africa (SSA) in particular. The paper seeks to enhance the understanding of relevant policy measures and reflects on what else could be done. The article further studies the effect of change in the institutional environment on bank governance practices primarily to improve the industry’s supervision and regulation, related to the post-crisis exit strategies. This paper discusses the development of ICT infrastructure and application as a basis for the main dimension of Ghana’s digital transformation in financial services. This paper is, therefore, motivated by the lack of empirical studies that examines how the impact of the banking reforms play a substantial role in promoting innovative digital payment systems to replace cash transactions. From the perspective of institutional theory, the study looked at why (and how) a number of policy measures have a significant impact on the financial performance of banks? And how the applications of e-finance in ICT and financial practices, provides several benefits within the banking sector improve the sector’s image and leads to a broader, faster and more efficient market? The application of Koppenjan and Groenewegen (2005) ‘s four-layer model ‘levels of institutional analysis’ perspective seems to be the most useful starting point, which provides the basis for an improved understanding of revealing the inefficient delivery of Ghanaian banking industry in the past. A combination of a review of secondary and empirical data, interviewed used in the analysis. Findings indicate that the financial and banking sector reforms help the industry advance digital banking culture and impact on the general expansion of the financial and the infusion of financial inclusion in Ghana. These conclusions would be particularly useful in a similar picture in other developing countries, as well as by the bank authorities to create their future policy. It also joins the debate on the impact of the banking reform, a key turning point towards better regulation to refine crisis prevention and resolution mechanisms.
38
Akriti Kumari and Nasif Ahmed. "The Implication of E-commerce: Emerging Markets in Post-Covid Era." Pakistan Journal of Multidisciplinary Innovation 1, no. 1 (March 22, 2022): 26–36. http://dx.doi.org/10.59075/pjmi.v1i1.31.
Full textAbstract:
The process of buying and selling via internet platforms is referred to as E-commerce. E-commerce has become a worldwide trend in recent years. People from all around the world have begun to purchase things online. Mobile commerce, money transfer, inventory management, and other aspects of electronic commerce are included. With only a few clicks, anyone can send anything to anyone, whether it's money or presents. In the future, electronic commerce might have a significant economic impact. Internet business will permanently alter the face of business. Furthermore, in the twenty-first century, E-commerce will transform banking. E-commerce has had a wide range of effects on the increasing global economy. First and foremost, it has impacted information technology and all commercial segments; above all, E-commerce has boosted global production growth and its impact are too high. They are able to determine the number of professionals needed to develop their country's knowledge economy, as well as compute the quantity of investment required to provide businesses with internet access. Some benefits are now in a position to compare their economies to those of their international competitors, and there are numerous ways to boost productivity growth in present emerging markets.
39
Yuniawan, Ryan, Baharuddin Muslim Efendy, and Aqida Shohiha. "MENINGKATKAN E-WOM DAN KOMITMEN PRODUK MOBILE BANKING MELALUI PEMASARAN MEDIA SOSIAL." At-Thullab : Jurnal Mahasiswa Studi Islam 2, no. 2 (April 6, 2021): 404–17. http://dx.doi.org/10.20885/tullab.vol2.iss2.art2.
Full textAbstract:
Saat ini dunia bisnis telah memasuki era digital, salah satunnya adalah bisnis dalam aspek keuangan atau transaksi pembayaran. Banyak produk-produk financial technology diluar bank syariah yang sudah eksis dan banyak diminati masyarakat. Tentu saja hal tersebut menjadi ancaman tersendiri bagi produk-produk financial technology milik perbankan Syariah. Penelitian ini mengusulkan sebuah solusi untuk meningkatkan citra merek dan kesadaran merek serta e-WOM (electronic word of mouth) dan komitmen konsumen produk mobile banking bank syariah melalui aktifitas pemasaran media sosial. Analisis penelitian ini menggunakan metode kuantitatif dengan software AMOS.Hasil penelitian ini membuktikan bahwa : (1). Aktivitas pemasaran media sosial berpengaruh positif dan signifikan terhadap citra merek, semakin tinggi aktivitas pemasaran media sosial akan meningkatkan citra merek. (2). Aktivitas pemasaran media sosial berpengaruh positif dan signifikan terhadap kesadaran merek, semakin tinggi aktivitas pemasaran media sosial akan meningkatkan kesadaran merek. (3). Citra merek berpengaruh positif dan signifikan terhadap e-WOM, semakin tinggi citra merek akan meningkatkan sikap menggunakan e-WOM. (4). Kesadaran merek berpengaruh positif dan signifikan terhadap e-WOM, semakin tinggi kesadaran merek akan meningkatkan e-WOM. (5). Citra merek berpengaruh positif dan signifikan terhadap komitmen, semakin tinggi citra merek akan meningkatkan komitmen. (6). Kesadaran merek berpengaruh positif dan signifikan terhadap komitmen, semakin tinggi kesadaran merek akan meningkatkan komitmen.
40
Ajibade, Patrick, and Stephen M. Mutula. "Big data, 4IR and electronic banking and banking systems applications in South Africa and Nigeria." Banks and Bank Systems 15, no. 2 (June 24, 2020): 187–99. http://dx.doi.org/10.21511/bbs.15(2).2020.17.
Full textAbstract:
Efficient banking solutions are an integral part of the business integration of South African and Nigerian economies as the two largest economies in the continent. Security, effectiveness, and integration of banking systems are critical to the sustainable development of the African continent. Therefore, an empirical analysis of the production of research on banking services and systems was conducted. The aim of the study was to examine the robustness of the research findings on banking systems in terms of their importance for the economic sustainability of the continent in the era of the fourth industrial revolution. The study adopted a bibliometric analysis using software clusters to visualize the results. Due to higher visibility of outputs and likely citations, the results showed that the key terms from Google Scholar are ranked higher than outputs from Scopus. Main research interests were related to internet banking (f = 70), e-payment systems (f = 57), telephone banking (f = 56), automated teller machines (f = 54), and mobile banking (f = 40). The results also showed a very low research interest in the technical aspect of online banking services such as security (f = 19, TLS = 40), authentication (f = 17, TLS =33), network security (f =13, TLS = 33), computer crime (f = 16, TLS = 42), and online banking (f = 11, TLS =32). The study found there were insufficient outputs in the area of the fourth industrial revolution (4IR) and banking services in Africa. Future research trends should examine the impact of the 4IR and big data on the banking system, regional economic integration, and sustainable growth in the continent.
41
Haryono, Tulus, Hunik Sri Runing Sawitri, Mugi Harsono, and Ekawati Rahayu Ningsih. "THE ROLE OF CUSTOMERS’ CULTURAL VALUES IN DEVELOPING E-LOYALTY: EMPIRICAL STUDY ON BSM KUDUS BRANCH." ADDIN 10, no. 2 (September 6, 2017): 473. http://dx.doi.org/10.21043/addin.v10i2.2593.
Full textAbstract:
Objective of the study this paper is to discuss result of the study which examines effects of customers’ cultural values in developing <em>e-loyalty</em> in globalization era and integrative model which based on relationship marketing theory. These customers’ cultural values include personal relationship, long-term relationship, credibility among organizations, and English capability. Design/methodology/approach in this study is using triangulation approach consisted of survey on 17 customers, interview with manager, and instrument data processing of 200 respondents based on <em>Structural Equation Modeling</em> (SEM), its result shows that there is significant relation among customers’ cultural values in developing <em>e-loyalty </em>of Sharia banking especially in BSM Kudus Branch. Knowledge provided in this paper is expected to be able to help bank manager in handling issues of decreasing customers’ <em>e-loyalty</em> of Sharia banking by cultural approach.
42
Feruś, Anna. "Development of the Payment Cards Market in Poland in the Era of the Covid-19 Pandemic." Folia Oeconomica Stetinensia 22, no. 1 (June 1, 2022): 46–62. http://dx.doi.org/10.2478/foli-2022-0003.
Full textAbstract:
Abstract Research background: In the era of the COVID-19 pandemic, the tendency of bank customers to use mobile banking is increasing. This is primarily due to the perceived ease and benefits of its use and the subjective assessment of the level of security of such a system. The main goal will therefore be to create such a mobile banking system, which in the era of pandemics, in addition to an easy-to-use interface, will also offer increasingly advanced technological solutions that will provide the customer with a high level of security. In order to meet the expectations of customers, banks will continue to develop and improve the most popular channels of distribution of their services, which are undoubtedly payment cards. Purpose: The purpose of this article is to define and classify non-cash payment instruments on the Polish banking services market in the COVID-19 pandemic era. Research methodology: To examine the current situation prevailing in the payment card market, as well as the factors determining the development of non-cash payments and the direction of future changes in the COVID-19 pandemic era. The research used models of development tendency (trend), and then applied them to forecast changes that will take place on the payment cards market in Poland at the end of 2021 and in 2022. The analysis was carried out using the STATISTICA 13.3 program. Results: a payment card is one of the best options for obtaining cash and every year the traditional cash in the wallet is being displaced more and more by “plastic money”. Novelty: Furthermore, technological advances will bring new solutions to the payment card market and at the same time the e-money market will develop.
43
Kornelis, Yudi. "LEGAL PROTECTION FOR E-WALLET CONSUMERS IN THE DIGITAL ECONOMY ERA." Mizan: Jurnal Ilmu Hukum 11, no. 1 (June 14, 2022): 34. http://dx.doi.org/10.32503/mizan.v11i1.2492.
Full textAbstract:
The era of digitalization seems to have influenced almost all human activities, including digital banking. By using electronic means, banks can now provide financial services to their customers without going through a physical office. Even today, digital-based financial services are presenting an electronic wallet/e-wallet. An E-wallet is a software-based product that uses internet signal, and Indonesia is starting to recognize it as a digital payment instrument. Implementing electronic money activities reduces cash circulation, referred to as a less-cash society, and makes payment efficient. In general, an e-wallet is an application based on a server, and using it requires a connection with the publisher first. However, the emergence of various kinds of e-wallets at this time is not a solution to reduce the problem but creates complaints on the usage. The current free-market era creates market competition and causes many business actors to only care about profit. Business actors mostly ignore the interests of consumers. Based on this condition, this research intends to deeply examine the legal protection form for e-wallet consumers in Indonesia. This study will use normative/doctrinal legal research methods to answer the existing problems. According to the Indonesian Consumer Protection Law, every e-wallet consumer has the right to get legal protection as a sense of security in making transactions. Consumers of e-wallets who received non-conformance services can sue for their losses legally through court or out of court under the Indonesian Consumer Protection Law provisions.
44
Kitsios, Fotis, Ioannis Giatsidis, and Maria Kamariotou. "Digital Transformation and Strategy in the Banking Sector: Evaluating the Acceptance Rate of E-Services." Journal of Open Innovation: Technology, Market, and Complexity 7, no. 3 (September 21, 2021): 204. http://dx.doi.org/10.3390/joitmc7030204.
Full textAbstract:
Digital transformation in the banking sector is a continuous process that affects both the external and internal environment by redesigning internal processes and existing methods. There are many reasons that digital transformation takes place, such as servicing remote areas without physical branches, differentiation from competitors or reduction of operating costs. In any case, there are a lot of doubts about the acceptance of digital technologies. Thus, this article examines the acceptance rate of digital transformation in the banking sector in Greece. One hundred and sixty-one employees at Greek banks completed the survey. A Multivariate Regression Analysis was implemented to analyze the items of the Technology Acceptance Model. The findings of this paper indicate the perception of bank employees with regard to new technologies. This paper provides a practical contribution for executives of Greek banking organizations to schedule targeted educational programs to facilitate the transition to the new digital era for their employees. Executives are curious if employees are ready to accept and implement digitalization in their daily job routine. Therefore, the Technology Acceptance Model can provide answers to executives in facing these challenges.
45
Setyawan, Abhiyoga Alan. "The Effect of E-service Quality and Convenience of Online Services on E-customer Loyalty through E-customer Satisfaction on Livin By Mandiri Users." South Asian Journal of Social Studies and Economics 18, no. 3 (April 22, 2023): 50–58. http://dx.doi.org/10.9734/sajsse/2023/v18i3660.
Full textAbstract:
This study aims to see how E-Service Quality and Convenience of Online Services are provided to its customers. In addition, there are Dependent Variables, namely E-Customer Satisfaction and E-Loyalty Customer, to examine the level of user satisfaction and loyalty to the Livin by Mandiri M-Banking Application. Involving 170 respondents filling out questionnaires through Google Forms and distributing them to users or customers located in Jabodetabek as samples. The research design used is a quantitative Study with Cross-Sectional Approach. This study was conducted on Livin by Mandiri users in Jakarta, Bogor, Depok, Tangerang, and Bekasi (Jabodetabek). The study used a cross-sectional approach with an exploratory research type. Sample: 170 respondents (74.2% male, 25.8% female; 17 years, 8.2 %, 25 – 35 years, 31.9%, 35 – 45 years, 46.2 %, 55 years, 13.7%). Data analysis using SEM approach with Smart PLS 4.0 software. The results showed E-service quality was found not to have a positive influence on e-customer satisfaction, the convenience of online services was found to have a positive and significant influence on user satisfaction or e-customer satisfaction, e-service quality was found not to have a positive influence on e-customer loyalty, the convenience of online services and e-customer satisfaction was found to have a positive and significant influence on e-customer loyalty. E-customer satisfaction was found to have no mediating role in the relationship between e-service quality and e-customer loyalty, and e-customer satisfaction was found to have a mediating role in the relationship between Online Service Convenience and customer e-loyalty. Conclusion in the Research can test this future research model on other Mobile Banking services by analyzing banks focusing on digital services. Additional variables must be carried out to be applied to other studies by utilizing more exploratory and diverse variables in future research. Future research can expand related or similar research variables to examine the broader demographics of respondents. And can focus its research on the quality and convenience of services in the digital era and banking services.
46
Agusinta, Lira, and Peppy Fachrial. "Human Resource Management Competencies in Banking Organizations in Indonesia." Syntax Literate ; Jurnal Ilmiah Indonesia 7, no. 2 (February 21, 2022): 830. http://dx.doi.org/10.36418/syntax-literate.v7i1.6099.
Full textAbstract:
Background and purpose: In its development, fintech has entered the 4.0 era where it has developed by facilitating the financial system and it is feared that it could become a threat to the world of conventional banking. Therefore, this study aims to develop competency strategies needed by banks in facing the disruption of the fintech 4.0 era. Design/Methodology/Approach: In this study the research approach used is a quantitative approach (post positivist). Data collection is carried out using research instruments, statistical or quantitative analysis, with the aim of testing predetermined hypotheses. Results: The results show that competency-based practice contributes positively to the bottom line, and that contributions to organizations are related to the roles of individuals not to their jobs. Additionally, efforts designed for employee commitment have the potential to generate positive returns, and that training and development are seen as drivers of future success. Conclusion: Even though banking has similar products with fintech companies, it has a different character where banks have a higher prudential principle. Competency is needed for bank employees in dealing with fintech 4.0, namely E-KYC, Payment Gateway, Big Data, Cloud Infrastructure, Artificial Intelligence and digital signatures besides that it also requires the ability to innovate, a willingness to learn and change, and be able to provide creative encouragement where they work
47
Saiful Bahar,, Afiqah Aisyah, Md Jais Ismail, Wincci Soo, and Eng Sim Yap. "Branching Charity Platform in the Endemic Era: Public acceptance of e-Charity programs." Environment-Behaviour Proceedings Journal 7, SI9 (October 9, 2022): 3–8. http://dx.doi.org/10.21834/ebpj.v7isi9.3927.
Full textAbstract:
The need for charity drives in Malaysia has become even more crucial with the halt and closure of countless businesses during the COVID-19 pandemic. Due to social restrictions implied, the method of collecting charity funds is now severely limited, resulting in the deployment of social media platforms. Suiting the current needs, this research aimed to understand the public's acceptance of e-charity programs. This quantitative research studied the response of 129 samples spread from urban and rural areas in Malaysia. Data were collected through a questionnaire in Google Form and distributed through social media platforms. Results show the public is willing to do charity online, and it is a way to encourage charitable behaviour. Keywords: e-Charity, Internet Banking Transactions, Original Technology Acceptance Model eISSN: 2398-4287 © 2022. The Authors. Published for AMER ABRA CE-Bs by E-International Publishing House, Ltd., UK. This is an open-access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer-review under responsibility of AMER (Association of Malaysian Environment-Behavior Researchers), ABRA (Association of Behavioral Researchers on Asians), and cE-Bs (Centre for Environment-Behavior Studies), Faculty of Architecture, Planning & Surveying, Universiti Teknologi MARA, Malaysia. DOI: https://doi.org/10.21834/ebpj.v7iSI9.3927
48
Ilmi, Darul. "The Islamic Education and Management in The Era of Disruption." GIC Proceeding 1 (July 30, 2023): 91–98. http://dx.doi.org/10.30983/gic.v1i1.210.
Full textAbstract:
The era of disruption is the occurrence of massive changes due to innovations that change systems and governance, including governance and education systems amid competition on a local, national and global scale. The existence of disruption in the world of education will encourage massive and structured digitization of the education system in such a short period of time. As a result, many educational institutions must make changes as soon as possible to be relevant to the existing changing trends Disruption arises because of a shift that occurs in the way of life which is characterized by different patterns of interaction and communication in society than before, if in the past there was a term "the world is not as wide as a moringa leaf", today the term has changed radically "The world is only as wide as a moringa leaf", because in the past to find out our relatives outside the city took three days or even up to one week by sending a letter, But now it has cut miles of steps by directly knowing right away and even talking to each other and face to face (Video call), used to eat need to go to the market to prepare dishes to go to the restaurant, now just take Hanfhone to click on the purchase service application and deliver food, as well as traveling there is online taxi and online shopping, in various fields there is a touch of information technology e-commerce, e-banking, e-goverment, e-mail and so on.
49
Mutia Hendarti, Alvina, Ana Toni Roby Candra Yudha, Rianto Anugerah Wicaksono, Maksum Maksum, and Nurul Huda. "Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia." El-Qist: Journal of Islamic Economics and Business (JIEB) 13, no. 1 (June 20, 2023): 49–66. http://dx.doi.org/10.15642/elqist.2023.13.1.49-66.
Full textAbstract:
The development of technology is so rapid today that the banking industry must be able to provide services that can adapt to the needs and desires of customers in the current digital era, such as mobile banking. This study aims to determine the magnitude of the influence of knowledge, service features, benefits, and convenience on the interest of BSI Mojopahit 2 Mojokerto City customers in using BSI mobile banking in 2021. This study uses a quantitative research type with a sample of 100 respondents. The analysis used in this study is multiple linear regression analysis using the IBM SPSS 24 application. The results of this study show the multiple linear regression equation, namely Y = 1.433 + 0.175 X1 + 0.184 X2 + 0.219 X3 + 0.191 X4 + e. The F (simultaneous) test shows that the variables of knowledge, service features, benefits and convenience have a significant effect simultaneously or jointly on customer interest. Meanwhile, the T-test (partial) shows that the knowledge variable has a significant partial effect on customer interest. The service feature variable has a significant effect on the customer interest variable. The benefit variable has a significant effect on the customer interest variable, and the convenience variable significantly affects the customer interest variable. Moreover, the benefit variable is the variable that has the most dominant influence on the interest of BSI Mojopahit 2 Mojokerto customers in using mobile banking. Based on the results of this study, Islamic banking is expected to provide information about BSI mobile banking clearly and maintain and maximize service features, benefits and ease of use of mobile banking to increase customer interest so that the BSI mobile banking application becomes the main choice in transacting.
50
Marlina, Asti, and Fanny Humairah. "PERAN DIGITAL BANKING DALAM MENINGKATKAN KEPUASAN NASABAH KREDIT (STUDI KASUS PT.BANK TABUNGAN NEGARA SYARIAH)." Moneter: Jurnal Keuangan dan Perbankan 6, no. 2 (October 1, 2018): 37. http://dx.doi.org/10.32832/moneter.v6i2.2409.
Full textAbstract:
<p>Perkembangan teknologi saat ini sangat pesat. Hampir semua aspek kehidupan menggunakan teknologi. Begitu pula dalam dunia perbankan. Era digital telah mengubah pola bisnis di area perbankan. Kemudahan teknologi yang digunakan diharapkan mampu memberikan kemudahan dan<br />kecepatan dalam bertransaksi yang dikenal dengan digital banking. Digital banking merupakan layanan perbankan dengan memanfaatkan teknologi digital untuk memenuhi kebutuhan nasabah demi<br />mewujudkan ekonomi digital seperti yang dicita-citakan dengan banyaknya produk baru yang dikeluarkan oleh perbankan melalui teknologi yang mungkin mempermudah transaksi nasabah. Hal ini diharapkan akan memberi kepuasan kepada nasabah dan nasabah menjadi loyal serta tidak mudah<br />berpindah ke bank lain. Terlebih saat ini salah satu kebutuhan nasabah dalam penggunaan kredit cukup tinggi dan sekarang pemberian kredit tersebut sudah bisa didapatkan melalui aplikasi-aplikasi e-commerce dan layanan teknologi yang dimiliki bank lah yang akan mempermudah dalam<br />melakukan transaksi pembayaran tersebut. Tidak terkecuali di BTN Syariah cabang Bogor.Berdasarkan hasil analisa deskriptif kepuasan nasabah atas layanan digital banking BTN Syariah, didapati jumlah dengan rata-rata 3,55 dari hasil ini nasabah masuk kedalam kategori setuju<br />atas ada nya layanan digital banking ini karena nasabah cukup merasa puas dan terbantu. Dari segi usia para pengguna layanan ini banyak terdapat pada rentang usia 31-50 tahun dan nasabah laki laki<br />lah yang dominan, khusus nya dalam menggunakan layanan E-Banking. Walaupun saat ini sudah mencapai 50% nasabah merasa puas dengan layanan yang telah diberikan, namun pihak perbankan<br />harus tetap meningkatkan dan memperbaiki kualitas pelayanannya.</p>