To see the other types of publications on this topic, follow the link: Telephone banking.
Journal articles on the topic 'Telephone banking'
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 'Telephone banking.'
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
Hossain, Mohammad Zahed. "Antecedents of E-Banking Services by Customers for the Selected Commercial Banks in Sylhet, Bangladesh." International Journal of Economics and Finance 9, no. 1 (December 13, 2016): 47. http://dx.doi.org/10.5539/ijef.v9n1p47.
Full textAbstract:
<p>This study is conducted to identify customers view regarding cost effectiveness, time savings and security of different types of e-banking products like online banking, ATM banking, internet banking, mobile banking and telephone banking. E-banking is the alternative delivery channels that banks adopted for providing efficient banking services through the help of internet, computers, mobile phone etc. Banks’ customers were considered as population and primary data were collected through questionnaire. Descriptive statistics and Chi-square test were used for analyzing the data. The results indicated that customers prefer ATM banking services most, next to follow mobile banking and online banking. The customers believed that all types of e-banking products save time and except telephone banking others types of e-banking products were secured. Online banking and ATM banking services were not considered as cost effective. Analysis indicated no relationship between online banking and different demographic variables. ATM banking services was highly influenced by most of the demographic variables whereas internet banking, mobile banking and telephone banking influenced by few demographic variables i.e. age groups, education level, and monthly income. The results help banks to develop varieties of e-banking products and formulate strategies by considering the demographic characteristics of the customers. Customers expect more users friendly e-banking products along with diversify features and suggested to develop latest e-banking products like mobile apps based banking for ensuring long term customers relationship, attracting potential customers and keeping existing customers that may ensure consistent growth and profit as well.</p>
2
Ahmad, Rizal, and Francis Buttle. "Retaining telephone banking customers at Frontier Bank." International Journal of Bank Marketing 20, no. 1 (February 2002): 5–16. http://dx.doi.org/10.1108/02652320210415944.
Full text
3
ALIEV, B. Kh. "SYSTEM DEVELOPMENT OF REMOTE BANK SERVICE IN THE RUSSIAN FEDERATION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 5 (2020): 16–19. http://dx.doi.org/10.36871/ek.up.p.r.2020.05.01.002.
Full textAbstract:
The article considers the key problems associated with the development of remote banking services, analyzes its existing forms. The characteristics of telephone, mobile and terminal banking, the "Client – Bank" system and Internet banking are given. The main problems of operation of these systems in Russia are highlighted.
4
Latkovska, T., A. Marushak, and U. Oleksii. "LEGAL AND THEORETICAL PROBLEMS OF DETERMINING THE INTERNET BANKING IN UKRAINE." Financial and credit activity: problems of theory and practice 1, no. 36 (February 17, 2021): 27–34. http://dx.doi.org/10.18371/fcaptp.v1i36.227608.
Full textAbstract:
The article is focuses on the research of internet-banking from the standpoint of legal regulation and scientific-theoretical understanding. The growing role of innovative technologies in banking is justified. It is noted that the system of ways of providing banking services is dynamic and important both for the whole banking system and for the individual bank.
Various scientific approaches to the definition of «Internet-banking» are considered. It is proposed to consider Internet-banking as a form of banking and as a form of remote customer service to the bank. In the first approach, internet banking is a form of banking activity in which banking operations are carried out through the exchange of electronic signals, rather than by exchanging cash, checks or other types of documents. The second approach involves treating Internet banking as a system of remote servicing of bank customers used by them and banks to conduct banking transactions and provide banking services exclusively through the Internet.
The regulation of Internet-banking by legal acts is investigated and its extremely low level is emphasized. The necessity of establishing clear boundaries of use of Internet banking and a clearly defined range of banking services, which may or may not be provided via the Internet.
Attention is focused on the following systems of remote customer service of the bank: «telephone banking», «client — bank», «client — Internet bank» and «instant contactless payment». Each of these systems is characterized.
The significant difference between telephone banking and mobile banking is substantiated. In the first case, the person receives the service by phone through a call to the support service of the bank, and in this case, the availability of Internet access is currently irrelevant. And using mobile banking to perform any operations requires an Internet connection and the ability to use the mobile application installed on the phone, or go to the appropriate site using a personal computer.
5
Peevers, Gareth, Gary Douglas, Mervyn A. Jack, and Diarmid Marshall. "A Usability Comparison of SMS and IVR as Digital Banking Channels." International Journal of Technology and Human Interaction 7, no. 4 (October 2011): 1–16. http://dx.doi.org/10.4018/jthi.2011100101.
Full textAbstract:
In this paper, the authors compare the usability of SMS mobile banking and automated IVR telephone banking. Participants (N = 116) used SMS banking and IVR banking to find their account balance in a repeated-measures experiment. IVR banking scored higher for usability metrics: effectiveness, attitude, and quality. There was no clear difference in rank order of preference between the two channels. Participants gave positive comments regarding speed and efficiency with SMS banking, but had serious doubts over the security of the SMS channel, impacting consumer trust in SMS banking. The authors argue that usability problems and security concerns are a major factor in the low adoption of SMS mobile banking. Older users were less positive in general to SMS banking compared with the more established IVR banking. Older users had lower first time completion rates for SMS banking and gave IVR banking higher attitude and quality scores.
6
Sundarraj, R. P., and Judy Wu. "Using information-systems constructs to study online- and telephone-banking technologies." Electronic Commerce Research and Applications 4, no. 4 (December 2005): 427–43. http://dx.doi.org/10.1016/j.elerap.2004.12.001.
Full text
7
Gunson, Nancie, Diarmid Marshall, Fergus McInnes, Hazel Morton, and Mervyn Jack. "Usability Evaluation of Dialogue Designs for Voiceprint Authentication in Automated Telephone Banking." International Journal of Technology and Human Interaction 10, no. 2 (April 2014): 59–77. http://dx.doi.org/10.4018/ijthi.2014040104.
Full textAbstract:
This paper describes an empirical investigation of the usability of different dialogue designs for voiceprint authentication in automated telephone banking. Three strategies for voice authentication were evaluated in an experiment with 120 telephone banking end-users: 1-Factor (voiceprint authentication based on customers' utterances of their account number and sort code); 1-Factor with Challenge (1-Factor plus a randomly generated digit string); and 2-Factor (1-Factor plus secret information known only to the caller). The research suggests the 2-Factor approach is the most effective strategy in this context: results from a Likert questionnaire show it to be highly usable and it is rated highest in terms of both security and overall quality. Participants welcome the option to use voiceprint technology but the majority would prefer it to augment rather than replace existing security methods.
8
Engwanda, Michel N. "Mobile Banking Adoption in the United States." International Journal of E-Services and Mobile Applications 7, no. 3 (July 2015): 18–30. http://dx.doi.org/10.4018/ijesma.2015070102.
Full textAbstract:
Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used telephone-based banking, and only 21% engaged in some type of mobile banking activities in 2011. The web-based survey used in this study was derived from the technology acceptance model extended by the innovation diffusion theory. Data were collected by e-mail from a random sample of 398 people in the United States. The structural equation modeling (SEM) technique was used to analyze data. The results indicated that, perceived compatibility, credibility, and costs were the significant predictors of mobile banking adoption in the United States.
9
Peevers, G., G. Douglas, D. Marshall, and M. A. Jack. "On the role of SMS for transaction confirmation with IVR telephone banking." International Journal of Bank Marketing 29, no. 3 (April 12, 2011): 206–23. http://dx.doi.org/10.1108/02652321111117494.
Full text
10
Gunson, Nancie, Diarmid Marshall, and Mervyn Jack. "Effective speaker spotting for watch‐list detection of fraudsters in telephone banking." IET Biometrics 4, no. 2 (June 2015): 127–36. http://dx.doi.org/10.1049/iet-bmt.2013.0060.
Full text
11
Gunson, Nancie, Diarmid Marshall, Fergus McInnes, and Mervyn Jack. "Usability evaluation of voiceprint authentication in automated telephone banking: Sentences versus digits." Interacting with Computers 23, no. 1 (January 2011): 57–69. http://dx.doi.org/10.1016/j.intcom.2010.10.001.
Full text
12
Mahad, Murat, Shahimi Mohtar, and Abdul Aziz Othman. "Disposition to Trust, Interpersonal Trust and Institutional Trust of Mobile Banking In Malaysia." Journal of Management Info 2, no. 4 (December 31, 2015): 1–5. http://dx.doi.org/10.31580/jmi.v8i1.45.
Full textAbstract:
Mobile banking refers to the use of smart phones or other mobile devices to perform tasks online banking from your home computer, such as monitoring the account balances, transfer of funds between accounts, pay bills and prepaid top-up. Mobile banking is a new strategy for the bank to enhance their latest technology in a new dynamic marketing environment. The low penetration of mobile banking in Malaysia, especially in terms of adoption patterns is becoming the research interest, especially when compared to the total number of cellular telephone subscriptions. The penetration rate of mobile banking in Malaysia is still in the minority. One of the issues identified by a few researchers is the perception of trust. This article will discuss along the trust issue and its constituents and then after the intention to use of mobile banking services. The bank should enhance their strategy to improve and develop new strategy in order to gain more utilization and adoption on intention to use. This article attempts to discuss on the element of trust to benefit the service provider in Malaysia.
13
Juszczyk, Sławomir. "PROSPECTS FOR DEVELOPMENT OF MOBILE BANKING IN RURAL AREAS." Annals of the Polish Association of Agricultural and Agribusiness Economists XXI, no. 2 (June 3, 2019): 125–32. http://dx.doi.org/10.5604/01.3001.0013.2123.
Full textAbstract:
The conducted research concerned prospects for the development of mobile banking in Poland. The article is a fragment of this research and concerns prospects for the development of this banking in rural areas. The aim of the research was to determine the expectations of mobile banking customers living in rural areas and the likely directions of changes in non-cash payments. The research period for rural areas concerned the years 2016-2018. The research covered the Polish banking sector. In addition, from January to March 2019, a questionnaire was carried out among 250 clients of banks living in rural areas. The research established that customers most often use mobile banking to check account balances and make payments at online stores. Customers in mobile banking appreciate comfort, time saving, being cash free and the freedom to make payments. The expectations of mobile banking users relate to: continuous increase of Internet coverage, improvement of security for telephone theft, increasing the possibility of using the BLIK service, adapting mobile applications to older generation smartphones and further price reductions of remote banking services. Therefore, it is almost certain that technical, organizational and financial changes in mobile banking in rural areas will head in this direction.
14
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.
15
H.M.R.S.S., Gunawardana, D. Kulathunga, and W. L. M. V. Perera. "Impact of Self Service Technology Quality on Customer Satisfaction: A Case of Retail Banks in Western Province in Sri Lanka." Gadjah Mada International Journal of Business 17, no. 1 (April 27, 2015): 1. http://dx.doi.org/10.22146/gamaijb.6147.
Full textAbstract:
Rapid technological advancement in the banking environment drives Sri Lankan banks to adopt self-service technologies to deliver services via SMS banking, Internet banking and telephone banking facilities, Automated Teller Machines (ATM) etc. This study explored the perceived quality of the self-service technology of these services and its effect on customer satisfaction. The literature survey and in depth interviews helped to formulate quality dimensions: security, efficiency, eases of use, reliability and convenience and those dimensions were assessed through a questionnaire. This study surveyed 215 customers from branches of six dominating commercial banks located in Western Province of Sri Lanka. Data were subjected to Principal Component Analysis and retained factors were regressed using multiple regressions to assess the impact of quality dimensions on customer satisfaction. The results revealed that reliability and convenience have positive impacts on customer satisfaction but efficiency has a negative effect.
16
Willis, Richard, J. Neill Marshall, and Ranald Richardson. "The Impact of ‘Branchless Banking’ on Building Society Branch Networks." Environment and Planning A: Economy and Space 33, no. 8 (August 2001): 1371–84. http://dx.doi.org/10.1068/a33171.
Full textAbstract:
The authors examine the impact of the remote delivery of financial services on the branch network of British building societies. The current phase of branch-network rationalisation in the financial sector in Europe and North America is argued in the academic literature to be the inevitable consequence of the growth of electronic and telemediated forms of delivery of financial services. In the British building society sector, despite some evidence of branch closure as the use of the Internet and telephone call centres in the delivery of financial services has grown, the picture that emerges is of a dynamic branch network that is responding to changing customer demands and new technological possibilities. Face-to-face advice and discussions between customers and trained ‘experts’ remain an important part of the mortgage transaction. In the savings market, where products have become more commodified, telephone call centres and, more recently, the Internet have become more prominent, but institutions still rely heavily on the branch network to deliver services. The authors suggest that, although there have been changes in the relative importance of different distribution channels as sources of business in the financial sector, it is wrong to view these changes in terms of a simple branch-versus-direct dichotomy. A more complex picture is presented, with most institutions adopting a multichannel approach to the delivery of financial services, and electronic forms of delivery of financial services being developed as an additional delivery channel alongside the branch.
17
Day, Peter, and Asoke K. Nandi. "Genetic Programming for Robust Text Independent Speaker Verification." International Journal of Signs and Semiotic Systems 2, no. 2 (July 2012): 1–22. http://dx.doi.org/10.4018/ijsss.2012070101.
Full textAbstract:
Robust Automatic Speaker Verification has become increasingly desirable in recent years with the growing trend toward remote security verification procedures for telephone banking, bio-metric security measures and similar applications. While many approaches have been applied to this problem, Genetic Programming offers inherent feature selection and solutions that can be meaningfully analyzed, making it well suited for this task. This article introduces a Genetic Programming system to evolve programs capable of speaker verification and evaluates its performance with the publicly available TIMIT corpora. Also presented are the effects of a simulated telephone network on classification results which highlight the principal advantage, namely robustness to both additive and convolutive noise.
18
Ojeka, Stephen A., and O. Ailemen Ikpefan. "Electronic Commerce, Automation and Online Banking in Nigeria." International Journal of Innovation in the Digital Economy 3, no. 1 (January 2012): 11–26. http://dx.doi.org/10.4018/jide.2012010102.
Full textAbstract:
Electronic banking has been around for some time in the form of automatic teller machines and telephone transactions. More recently, it has been metamorphosed by the Internet with a new look and delivery channel for banking services that benefits both customers and banks. The objective of this paper is to find out the correlation between the anticipated benefits/challenges and encountered benefits/challenges. This paper empirically adopted the use of survey research to explore in quantitative terms the various challenges and benefits e-business poses to Nigerian businesses, with particular reference to Banking and Finance Industry. It was found out that there is a statistically significant difference between the anticipated and encountered benefits and major challenges in the potential security breaches faced by the customers. Constant training of employees both local and international on new development in online trading should be encouraged.
19
Lubis, Deni, and Muhammad Giffari Ramadhoni. "Analisis Keterkaitan Inklusi Keuangan Syariah dengan Pembangunan di Negara Anggota OKI." AL-MUZARA'AH 7, no. 2 (January 6, 2020): 1–16. http://dx.doi.org/10.29244/jam.7.2.1-16.
Full textAbstract:
Financial inclusion is one of the main issue on Islamic banking in providing access to financial services to the community. However there are many people who have not access to financial services, especially Islamic banking. This study aims to measure the level of Islamic financial inclusion in several OIC countries (Islamic Cooperation Organization) based on the classification of state income and to analyze the relationship of inclusion of Islamic finance with development. The calculation of the Islamic financial inclusion index used the Index of Syariah Financial Inclusion (ISFI) method. The response variable used in this study is ISFI and the predictor variable is GDP per capita, unemployment rate, number of cellular telephone users, and the population of the village. The method used is descriptive analysis and tobit regression analysis. This study used secondary data from 10 OIC member countries based on the level of state income in 2013-2016. Based on the results of data analysis, high income countries have a high average inclusion rate compared to middle income countries. While GDP per capita and the number of cellular telephone users has a positive effect to the development, meanwhile the unemployment rate has a negative effect.
20
Piha, Lamprini P., and George J. Avlonitis. "Customer defection in retail banking." Journal of Service Theory and Practice 25, no. 3 (May 11, 2015): 304–26. http://dx.doi.org/10.1108/jstp-04-2014-0080.
Full textAbstract:
Purpose – The purpose of this paper is to provide managers and researchers a comprehensive view of the root causes of customer departure and empirically test the attitudinal and behavioural consequences of failed service quality in a retail banking context. Design/methodology/approach – A quantitative study was conducted among retail banking customers who had defected from a large retail bank provider. Data from 989 usable responses to a questionnaire filled through a telephone survey were applied to model estimation through structural equation modelling. Findings – Findings demonstrate the effect of failed service quality on customers’ negative attitudes towards the retail bank provider (dissatisfaction and lack of commitment), the direct negative impact of failed service quality on loyalty (the opposite of defection), as well as its indirect negative impact on loyalty through negative attitudes. The moderating role of customers’ switching costs and subjective knowledge of the bank’s products is revealed and the relative impact of each failed service quality factor on negative attitudes and behavioural intentions is assessed. Practical implications – Key areas causing customer dissatisfaction and eventually defection are shown to bank managers, providing direction for implementing strategies and mechanisms in order to effectively reduce the defection rate. Originality/value – The theoretical model, which was in large confirmed through the empirical data, offers for the first time empirical evidence regarding the extent to which the general categories of reasons to defect in a service context identified in the literature are indeed causing customer exit.
21
KOVALENKO, Viktoriia. "Digital transformation of the banking sector of the economy of Ukraine." Fìnansi Ukraïni 2021, no. 3 (April 19, 2021): 84–98. http://dx.doi.org/10.33763/finukr2021.03.084.
Full textAbstract:
The article considers the main digital transformational changes in the banking business. The current state of banks' use of financial digital technologies is analyzed, and the factors of digital transformation that affect their financially stable development are singled out. It is determined that the digitalization of the world economy over the past decade has posed new challenges to the banking system, which are caused by increased competition in the financial services market. The factors of emergence of financial intermediaries of the new generation and the need for digital transformation of contemporary banks are described. It is proved that the digital transformation of the banking sector of the economy is due to the development of financial technologies, digital marketing channels and innovation. Three main holistic proposals for FinTech development have been identified. The digital transformation of the banking business is changing not only the supply to customers. It is changing the contours of the business and staffing requirements. Such tools as ATMs and self-service terminals, telephone banking, SMS banking, Internet banking and mobile banking represent the evolution of customer access channels to banking services based on the use of information and communication technologies. The article considers the basic scheme of transformation of a classical bank into a dynamic system of a digital bank by gradually forming the directions of digital distribution. Further digital transformational changes in the banking business should be aimed at the vectors of financial education of consumers of banking services, regulation of the cryptocurrency market in Ukraine, definition of common standards of regulation and supervision of banks and non-banking institutions in the area of digital financial services.
22
Shahabi, Vahid, and Farshad Faezy Razi. "Modeling the effect of electronic banking expansion on profitability using neural networks and system dynamics approach." Qualitative Research in Financial Markets 11, no. 2 (May 7, 2019): 197–210. http://dx.doi.org/10.1108/qrfm-11-2018-0117.
Full textAbstract:
Purpose The purpose of this study is to investigate the effects of electronic banking (e-banking) on the profitability of banks is an important subject. Although there are many studies in this area, the effect of using different e-banking instruments, such as internet banking, telephone banking, ATM and POS, was not investigated comprehensively, using a system dynamics approach. To fill this gap, the present study tried to develop an analytical model with a systematic approach through identifying the effects of different areas of e-banking services in a financial institution. Design/methodology/approach The income and cost of each transaction via different e-banking services were identified and the incomes and costs, number of transactions and other model variables were predicted for the next period using a single-layer neural network (perceptron). The proposed model was designed based on the system dynamics approach. Then, rates and auxiliary variables were introduced to the model based on the prediction data. Finally, the model was validated and different scenarios were examined. Findings Results showed that increased investment on e-banking can increase online customers, thereby boosting the bank’s incomes through raising transaction fees and acquiring additional resources. On the other hand, the need for physical branches and associated costs reduces with increasing the tendency of traditional customers toward using e-banking services. Simulation results showed that although the expansion of e-banking carries a huge financial burden on the bank, the costs reduce and profitability significantly increases with time. Originality/value This study can be used by senior managers of the bank throughout e-banking planning. This is because it systematically addressed the effects of e-banking expansion on different (banking) areas. The present study may also encourage researchers to conduct more extensive studies.
23
Frolova, Evgenia E. "LEGAL REGULATION OF INTERNET BANKING IN INDIA." RUDN Journal of Law 23, no. 3 (December 15, 2019): 351–74. http://dx.doi.org/10.22363/2313-2337-2019-23-3-351-374.
Full textAbstract:
The features of the legal regulation of Internet banking in India are investigated. Internet banking is gradually replacing the use of cash, checks, and, most importantly, customers who personally come to bank offices: according to statistics, the total amount of transactions in the digital payments segment of India in 2019 will be $ 64.775 billion. USA. Electronic banking is a generic term for the provision of banking services and products via electronic channels, such as telephone, Internet, mobile phone, etc. The main regulatory act regulating Internet banking in India is the Information Technologies Act 2000, which provides for legal recognition of electronic transactions and other means of electronic commerce. In addition to the new law, the norms of traditional banking legislation also apply to Internet banking. The main financial regulator of India the Reserve Bank - also provides direct management of Internet banking: it developed guidelines for Internet banking in India in 2001; as well as the Mobile Banking Guide, which was transformed into the Mobile Banking Master Circular51 in 2016. The rights of consumers of Internet banking services are protected on the basis of the Consumer Protection Act 198652, which defines the rights of consumers in India and also applies to banking services. India’s law is based on case law, and in this regard, a number of new case law on disputes between banks and their customers in the field of Internet banking has been studied. However, in the legislation, the article notes, there are a number of gaps related primarily to ensuring the safety of online banking. Information security in electronic banking represents two main areas of risk: preventing unauthorized transactions and maintaining the integrity of customer transactions. When writing the article, general scientific methods of cognition were used: dialectical, hypothetical-deductive method, generalization, induction and deduction, analysis and synthesis, empirical description; private scientific methods were also used: legal, dogmatic, statistical, comparative legal analysis, and others.
24
Singh, Himanshu Shekhar. "Impact of Modern Communication Technology on Indian Postal System." Global Journal of Enterprise Information System 7, no. 1 (March 1, 2015): 28. http://dx.doi.org/10.18311/gjeis/2015/3031.
Full textAbstract:
India Post has touched the lives of every citizen for more than 150 years, be it through mails, banking, insurance money transfer or retail services. It has enjoyed the trust and support of its customers and stakeholders from the very beginning. With the of growth of telephone, internet and modernised banking services, customers are now exposed to new level of speed, transparency and quality. In India, customers of the postal service expect Department of Posts to provide a service level similar to industry standards maintained by banks, insurance, express industry, etc or other private agencies. In this era of globalization, lots of challenges are imposed on Indian Post office. This paper analyse the impact of Internet on Indian Post along with SWOT analysis of this sector.
25
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.
26
Sahiti, Arbana, Arben Sahiti, and Muhamet Aliu. "Enterprise Risk Management in Kosovo’s Banking Sector." Baltic Journal of Real Estate Economics and Construction Management 5, no. 1 (November 27, 2017): 38–50. http://dx.doi.org/10.1515/bjreecm-2017-0004.
Full textAbstract:
Abstract Today risk management plays a vital role in business. Each firm, whether big or small, makes an effort to manage risk more effectively. Risk management is very important in the financial system, especially in banks. Billions of Euros are spent each year on the financial reporting of banks. Banks should implement effective solutions in risk management to mitigate their risks. Great financial debate that originated in the 1990s is reportedly linked to errors that occurred in the banking sector due to poor risk management. It should be noted that today technology plays a key role in risk management and it has already had a positive effect on the financial industry. Analysis of risk and its management has become significant in the Kosovo economy since the post-war period. The nature of the banking business is threatened by risks because more financial products are becoming complicated. The main role of banks is intermediation between those who have resources and those seeking them. Banks face various risks at the corporate level, such as operational, liquidity, legal, credit, and market risks; thus, these risks should be converted into a composite measure. This research aims to determine practices and effects of risk management in the banking sector. Relevant data were collected from banks through questionnaires and telephone interviews; analysis has been conducted using statistical tools. This study will engage both the quantitative and qualitative methods of data analysis. Dependent variables will be separated from independent variables, and regression analysis will be used to analyse the quantitative data.
27
Shifa Fathima, J. "Challenge Management of Banking Services – with Special Reference to Virtual Banking Service Challenges." Shanlax International Journal of Management 7, no. 3 (January 1, 2020): 57–66. http://dx.doi.org/10.34293/management.v7i3.1620.
Full textAbstract:
The Indian Banking industry is seeing an exceptional challenge. To remain ahead, banks are thinking of plenty of services to draw customers. Services including 24-hours banking, Service at entryway step, Telephone banking, Internet banking, Extended Business Hours (EBH), Speedy handling are just a couple to mention. The larger piece of the present bank transactions happens elsewhere other than in-branch premises. This shows the growth of “virtual” banks in India. With accommodation, speed, productivity, and adequacy, these virtual banks, as a result, have opened up another universe of conceivable outcomes and brought major changes in giving a wide scope of services. Virtual banks are presently observed as a response to the challenge of planning another service channel that is completely secure, useful, and which customers can promptly figure out how to utilize and confide in it. (Aladwani, A, M.) Virtual banking, an amazing “esteem included” instrument, has become the point of convergence for banks to attract and hold customers. However, the point of these services is to satisfy customers; there is a need to comprehend customer mindfulness, observation, and significantly the degree of satisfaction. Virtual banking is a transporter that licenses customers to access and do economic transactions on their financial foundation obligations from their web empowered PC systems with net association with banks’ web locales whenever 24 Hours. Banks assume a vital job in advancing online businesses. Even though V-customers have the alternative of money down, which is by all accounts secure reliable, still there is an inclination for the V-payment plans, which must be given through banks. Banks go about as solid and dependable go-betweens in online transactions, and they give an intense opening in the online business. At present, banks have V-payment systems like Internet banking, electronic fund transfers (NEFT/RTGS), plastic money (credit card and debit card), and portable banking. These systems give payment to online transactions like the online acquisition of items, versatile revives, lodging booking, ticket booking, and so forth by considering a wide range of safety efforts. For the genuine working of these V-services, the need for able frameworks is an unavoidable element. Reserve Bank of India is observing and inspecting the legitimate and different requirements of V-Banking on persistent bases to guarantee that V-banking would create on sound lines, and V-Banking related challenges would not represent a risk to financial dependability. Hence, the present study is on the challenges of Virtual banking services in its challenge management strategies and the study based on secondary sources of data.
28
Morton, Hazel, Nancie Gunson, Diarmid Marshall, Fergus McInnes, Andrea Ayres, and Mervyn Jack. "Usability assessment of text-to-speech synthesis for additional detail in an automated telephone banking system." Computer Speech & Language 25, no. 2 (April 2011): 341–62. http://dx.doi.org/10.1016/j.csl.2010.05.008.
Full text
29
Bansal, Dr Sanjeev, and Dr Garima Malik. "An Analytical Approach to Understand Customer Relationship Management in Indian Banking Sector from the Perspective of Customers." Ushus - Journal of Business Management 14, no. 4 (January 1, 2015): 1–16. http://dx.doi.org/10.12725/ujbm.33.1.
Full textAbstract:
In recent years, significant developments have been experienced in the banking sector. With the improved technology, banks have become institutions that offer services for 24 hours through telephone, internet and ATMs. Besides the classic banking services, they have taken over a number of activities such as automatic billing, which facilitate the lives of the customers. To maximize lifetime profitability from valued customers, banks have changed traditional silo mindset and have adopted Customer Relationship Management (CRM) techniques.This paper examines the relationship between thecustomer loyalty and CRM in National Capital Region of India. Methodology of the paper has been designed such that, it abstracts the scales into 5 dimensions related to CRM of banks. This paper uses regression analysis to arrive at a model which explains customer loyalty. This paper also provides insights for the banks which adopt CRM at a strategic standpoint as well as operational standpoint and implement a customer–centric vision.
30
Rahayu, Rahayu. "PENGARUH PERSEPSI EXPRESSIVENESS, MANFAAT, KEMUDAHAN PENGGUNAAN, NORMA SOSIAL DAN PERSEPSI KUALITAS SISTEM TERHADAP NIAT NASABAH MENGGUNAKAN SMS BANKING DENGAN GENDER SEBAGAI VARIABEL MODERASI PADA BANK BRI DI SURABAYA." J-MACC : Journal of Management and Accounting 2, no. 2 (October 30, 2019): 143–58. http://dx.doi.org/10.52166/j-macc.v2i2.1660.
Full textAbstract:
The combination of cellular telephone technology with internet technology lately is increasingly rife discussed. The analysis in this study was criticized that the population was customers who had savings in BRI Surabaya and had not used BRI SMS banking services, with a sample requirement of 100 respondents. The results of the study indicate that the perceived benefits affect the intention to use SMS banking more strongly in men than women. Then the hypothesis is accepted, because it can be seen from the value of the beta coefficient in men the value of the beta coefficient (0.432) is greater than women whose beta coefficient value (0.225). Perceived ease of use affects the intention to use SMS banking more strongly in women than men. Then the hypothesis is accepted, with a beta coefficient value (-0.188) smaller than women whose beta coefficient value (0.286). Social norms affect the intention to use SMS banking more strongly in women than men. Then the hypothesis is rejected, because it can be seen from the value of the beta coefficient, where in men the value of the beta coefficient (0.314) is greater than women whose beta coefficient value (0.191). The perceived quality of the system influences the intention to use SMS banking more strongly in men than in women. Then the hypothesis is rejected, because it can be seen from the value of the beta coefficient, where in men the value of the beta coefficient (0.398) is smaller than women whose beta coefficient value (0.429). This is due to the fact that women in Surabaya are considered more to consider risk, safety and quality
31
Gunson, Nancie, Diarmid Marshall, Hazel Morton, and Mervyn Jack. "User perceptions of security and usability of single-factor and two-factor authentication in automated telephone banking." Computers & Security 30, no. 4 (June 2011): 208–20. http://dx.doi.org/10.1016/j.cose.2010.12.001.
Full text
32
Mugarura, Norman. "The Use of ‘Mobile Phones’ in Changing the Banking Regulatory Landscape in Africa." African Journal of International and Comparative Law 27, no. 2 (May 2019): 308–30. http://dx.doi.org/10.3366/ajicl.2019.0274.
Full textAbstract:
The widespread mobile phone usage across Africa and in other regions where the number of telephone subscribers has now exceeded the number of bank account holders has changed the ease with which banks and other financial services are regulated. Bearing this in mind, the article articulates that mobile phones can be used to plug the gaps in the regulation of the banking and financial markets, not only in Africa but also in other regions. It is worth noting that the data on mobile phones have been used to enhance the ability of oversight institutions to generate information and plug regulatory gaps, especially in the economies of less developed countries. Some countries lack the capacity for robust data generation and as a result have utilised mobile phones to fix the gaps in the regulation and delivery of financial services. Mobile phones have been utilised to effect payment to workers and to pay household bills, and are used by small businesses to effect international business transactions and even to prevent crime through intelligence-sharing and by using forensics on mobile phones to prosecute criminals.
33
Akçetin, Eyüp, and Ufuk Çelik. "A classification analysis on the direct marketing campaigns in telephone banking with ant colony optimization classification algorithm method." Journal of Internet Applications and Management 6, no. 1 (2015): 5–19. http://dx.doi.org/10.5505/iuyd.2015.20592.
Full text
34
Costanzo, L. A., K. Keasey, and H. Short. "A Strategic Approach to the Study of Innovation in the Financial Services Industry: The Case of Telephone Banking." Journal of Marketing Management 19, no. 3-4 (April 2003): 259–81. http://dx.doi.org/10.1080/0267257x.2003.9728211.
Full text
35
Costanzo, L. A., K. Keasey, and H. Short. "A Strategic Approach to the Study of Innovation in the Financial Services Industry: The Case of Telephone Banking." Journal of Marketing Management 19, no. 3 (April 1, 2003): 259–81. http://dx.doi.org/10.1362/026725703321663665.
Full text
36
Marlisa, Elsyan Rienette. "PERANAN BANK PEMBANGUNAN DAERAH DALAM SOSIALISASI DAN EDUKASI MAHASISWA TENTANG KEMANFAATAN PRODUK DAN JASA PERBANKAN." Community Engagement Journal : The Commen 2, no. 2 (November 18, 2019): 19–25. http://dx.doi.org/10.52062/thecommen.v2i2.104.
Full textAbstract:
The main objective of this community engagement namely to identify and understand banking products and services that Bank Papua offers to the community. Meanwhile, the information related to Products of banking can be obtained through lecture at the Economics Department in relation to the types of banking products and the objectives of them or the similar information also can be gain from marketing person from Bank Papua who capable enough to explain in detail about banking products and services. According to the outcome of this activity that had been conducted to the Economics’ Students from Faculty of Economics and Business at Cenderawasih University, can be concluded as follow: In order to distribute fund, the conventional banks will distribute it through deposits and savings to the public in form of loans, as well as in form of financing for the Islamic Banks. In addition, the loan from conventional banks in distributing process will subject to interest and other loan services in the form of administrative fees, and commission fees. Whereas Islamic banks are based on buying and selling and profit sharing; in order to provide in depth meaning of Bank Papua products and services, a film screening by Bank Papua Speakers had been played, and the key speaker from Marketing Division of Bank Papua has given a talk about Bank Papua products and services namely electricity payment, telephone payment, tuition fee, transfer service, and others. This activity has relevance to the Economics students that they have been introduced during their study in university in the subject of Monetary Economics I & II during Semester II & III and other subject such as Banks and Financial Institution on (V Semester) as well as Monetary Policy in Development sector (VII Semester). Therefore, the outcome of this activity that could motivate students to recognize the characteristics of Bank Papua products and services as well as can differentiate between genuine and counterfeit money.
Keyword : Banking products and services
37
Ms. Pooja Sahu. "Automatic Speech Recognition in Mobile Customer Care Service." International Journal of New Practices in Management and Engineering 4, no. 01 (March 31, 2015): 07–11. http://dx.doi.org/10.17762/ijnpme.v4i01.34.
Full textAbstract:
In the project an automatic speech system is used in mobile customer care services. In existing mobile customer care services, customer have to wait for 4 to 5 minutes to get into the option what they want to inquire. Based on the requirement, we go for filtering the incoming calls. Persons who require particular data are dynamically move to speech recognition system that identifies the type of the enquiry chosen. Speech recognition is the one which dynamically identifies the individual speaking based on analyzing the speech waves. It helps in identifying the voice of the speaker to know the recognized user. It also helps in accessing services like telephone banking, mobile shopping, database services and securing the information which is confidential.
38
Ielasi, Federica, Lorenzo Gai, and Cornelia Ilie. "Multi-Channel Banking and Stakeholders’ Perceptions in Emirati and Italian Banks." International Finance and Banking 4, no. 2 (November 28, 2017): 128. http://dx.doi.org/10.5296/ifb.v4i2.12065.
Full textAbstract:
The main objective of the research is “to give voice” to bank customers in the UAE and Italy, by analyzing the ways and the extent to which their needs and requests across a wide range of multi-channel banking services are being (mis)communicated, (mis)understood and (un)resolved by bank employees.While previous studies have examined several aspects of customer satisfaction and dissatisfaction with regard to the communication process between customers and bank employees (e.g., customer—front desk officials, customer—call-center agents), very little research has been done so far in order to understand the motivational factors underlying bank customer satisfaction and dissatisfaction with regard to communication in multi-channel banking, which involves different types of interaction: face-to-face, telephone, ATM, online, mobile, apart from branch banking.The empirical data collection method used for this study is the semi-structured interview and the questionnaire. In order to compare the different perspectives, three different sets of interview questions have been designed within the research: (i) a set of interview questions aimed at bank customers; (ii) a set of interview questions aimed at bank employees; (iii) a set of interview questions aimed at bank executives.The results show that banks have to pay close attention to the synergies and relationships among different channels, developing an integrated communication process. The proliferation of both offline and online contact points adds further complexity. In this context, banks have to integrate and reconcile the different sources of information for a holistic overview of the customer, in order to be able to provide a consistent experience across channels.
39
Glăvan, Dragoș. "Detection of phishing attacks using the anti-phishing framework." Scientific Bulletin of Naval Academy XXIII, no. 1 (July 15, 2020): 208–12. http://dx.doi.org/10.21279/1454-864x-20-i1-028.
Full textAbstract:
. In the area of computer security, phishing is a form of criminal activity that involves obtaining sensitive data, such as access data for banking applications, e-commerce applications (such as eBay or PayPal) or credit card information, using techniques to manipulate the identity data of a person or institution. A phishing attack consists of sending the attacker an electronic message, using instant messaging software or telephone, in which the user is advised to give his confidential data to win certain prizes, or is informed that they are prizes. necessary due to technical errors that led to the loss of the original data. According to the reports of the AntiPhishing Working Group (APWG) published in December 2018, phishing against banking and the payment processor was high. Almost all phishy URLs use HTTPS and use redirects to avoid detection. This paper is a comparative survey of the available methods for detecting phishing sites. There has been a comparative study of anti-phishing tools and their limitations have been found. An anti-phishing model, a framework to help detect these attacks, is discussed. The identification of this type of attack is a very important problem considering that, at present, people carry out many online transactions regarding money transfer, payment of bills or purchases.
40
Yang, Hong Li, Yun Yang, and Zhu Yue. "Research and Design of Electronic Speech Reader Based on Text-to-Speech Technology." Advanced Materials Research 433-440 (January 2012): 4883–87. http://dx.doi.org/10.4028/www.scientific.net/amr.433-440.4883.
Full textAbstract:
TTS, namely text-to-speech, is a kind of technology who can convert text information into sound signal according to information Speech processing rules. TTS, as the synthetic technology of the pronunciation, is the key technology in the current development of computer technology, and one of the most forward technical in its voice service, telephone banking, and information home appliances, mobile PDA fields. TTS has its extensive applications. In this paper, TTS is applied to electronic speech reader, which changes traditional way to read e-book, and both listening to and novels and learning English. This article introduces a method about how to make use of TTS technology, and how to achieve an electronic Speech reader of programming based on Visual Studio C# 2008 environment bring API and Microsoft SAPI interface.
41
Knights, David, and Darren McCabe. "'What Happens when the Phone goes Wild?': Staff, Stress and Spaces for Escape in a BPR Telephone Banking Work Regime." Journal of Management Studies 35, no. 2 (March 1998): 163–94. http://dx.doi.org/10.1111/1467-6486.00089.
Full text
42
Cherif, Fatma. "The role of human resource management practices and employee job satisfaction in predicting organizational commitment in Saudi Arabian banking sector." International Journal of Sociology and Social Policy 40, no. 7/8 (April 2, 2020): 529–41. http://dx.doi.org/10.1108/ijssp-10-2019-0216.
Full textAbstract:
PurposeThe purpose of this study was to investigate the role of human resource management and employee job satisfaction in predicting organizational commitment in the Saudi Arabian banking sector.Design/methodology/approachFor the purpose of this study, quantitative survey research was employed. The independent variables are human resource management and employee job satisfaction, while the dependent variable is organizational commitment.FindingsHuman resource management correlated positively with employee job satisfaction and organizational commitment. On the other hand, employee job satisfaction was found to be positively correlated with organizational commitment. The two independent variables made significant individual contributions to the prediction of organizational commitment.Research limitations/implicationsThis study has some limitations. First, convenient sampling method was used to recruit the participants. Therefore, the findings of the study have limited generalizability in other regions and age groups. Second, as a cross-sectional study, there has to be caution in making any generalization of the results. Future researchers should get more respondents from wider geographical location, that is from different bans, private and public. Furthermore, self-report questionnaires were used to collect data from respondents. It is recommended that future researchers use different methods such as personal interview or telephone interview to collect data. This may help get reliable data after clarifying and removing what may be ambiguous.Practical implicationsThe results of this study have corroborated with previous research and confirmed correlations between and among human resource management (HRM), employee job satisfaction and organizational commitment in the Saudi Arabian banking sector. These findings have practical implications. Having high levels of job satisfaction among bank employees will prevent low levels of turnover rate, absenteeism and levels of productivity and increase organizational commitment. HRM practices, on the other hand, help in career development opportunities and hence provide better job opportunities. This study can recommend that to ensure high levels of job satisfaction among employees and enhanced organizational commitment, organizations, especially banks, should emphasize more on HRM practices.Originality/valueThis study could contribute to the literature on HRM, job satisfaction and organizational commitment in the Saudi Arabian banking sector. There is a rapid growth in the banking sector in Saudi Arabia. Therefore, there is an urge for recruiting efficient and experienced human resources (Mizan et al., 2013). This study will contribute to the development of the Saudi Arabian banking sector, which may lead to maintain this sector work effectively that will have a positively impact on the economy of the Saudi society. It also will highlight the nature and importance of the HRM practices for the benefit of the banking sector.
43
Mtengwa, Bonnie Batsirai, Agripah Kandiero, and Stanislas Bigirimana. "Drivers of Mobile Money Services Development in Zimbabwe." International Journal of E-Business Research 17, no. 1 (January 2021): 42–64. http://dx.doi.org/10.4018/ijebr.2021010104.
Full textAbstract:
This study sought to identify the drivers of mobile money services development in Zimbabwe using Ecocash as a case study. Through purposive sampling, respondents were selected from financial institutions, regulatory bodies, customers, and agents. The research showed that in Zimbabwe the development of mobile money services is influenced by several factors such as a high mobile telephone penetration rate, a high number of unbanked people owing to poor access to traditional banking services, a lower level of internet penetration levels, customer awareness of the service because of aggressive branding, security and ease of use, and a dense networks of agents. Fast technology diffusion was also a factor that influenced the fast adoption of mobile money services in Zimbabwe. More research is needed to assess the impediments in countries where the adoption of mobile money services has not been as spectacular as in Zimbabwe or Kenya.
44
Meuter, Matthew L., Mary Jo Bitner, Amy L. Ostrom, and Stephen W. Brown. "Choosing among Alternative Service Delivery Modes: An Investigation of Customer Trial of Self-Service Technologies." Journal of Marketing 69, no. 2 (April 2005): 61–83. http://dx.doi.org/10.1509/jmkg.69.2.61.60759.
Full textAbstract:
Electronic commerce is an increasingly popular business model with a wide range of tools available to firms. An application that is becoming more common is the use of self-service technologies (SSTs), such as telephone banking, automated hotel checkout, and online investment trading, whereby customers produce services for themselves without assistance from firm employees. Widespread introduction of SSTs is apparent across industries, yet relatively little is known about why customers decide to try SSTs and why some SSTs are more widely accepted than others. In this research, the authors explore key factors that influence the initial SST trial decision, specifically focusing on actual behavior in situations in which the consumer has a choice among delivery modes. The authors show that the consumer readiness variables of role clarity, motivation, and ability are key mediators between established adoption constructs (innovation characteristics and individual differences) and the likelihood of trial.
45
Hossain, Md Shamim, Xiaoyan Zhou, and Mst Farjana Rahman. "Customer satisfaction under heterogeneous services of different self-service technologies." Management & Marketing. Challenges for the Knowledge Society 14, no. 1 (March 1, 2019): 90–107. http://dx.doi.org/10.2478/mmcks-2019-0007.
Full textAbstract:
Abstract This study aims to evaluate the customer satisfaction of different self-service technologies (SST) when different SSTs provide various services. This study compares overall customer satisfaction according to the four types of SSTs (Mobile Channel SST, ATM SST, Telephone SST and online SST) when SSTs provide heterogeneous services. We used both primary and secondary data. Primary data consisted of a survey questionnaire applied to a final sample size of 400 people. Data analysis was performed via ordered logistic regression. The results showed that customer satisfaction on different SSTs for different services positively associate with overall customer satisfaction in the banking sector, and this study finds customer satisfaction of mobile banking (MB) more positively associate than other SSTs with customer satisfaction. This study conducted on one profit-making organization (bank) of Bangladesh. Therefore, the geographic bases of SST contexts limit the extension of our findings. Future investigation is needed for evaluating the customer satisfaction on non-profit organizations and educational sector. Understanding what factors determine customer’s satisfaction in the different services provided by each SSTs contribute to manage and coordinate multiple services delivered by various SSTs and to know the process of improving the customer satisfaction across the services offered. Previous investigations were focusing on the customer satisfaction when provided services and/or SSTs are homogeneous, but this study examines the customer satisfaction when both services and SSTs are heterogeneous. This study significantly impacts both the management and research of developing operations strategies for organizations.
46
Shrestha, Prakash. "Use of Technology and Its Management Issues in Nepalese Industries and Businesses." Nepalese Journal of Management Research 1 (January 31, 2021): 9–14. http://dx.doi.org/10.3126/njmgtres.v1i0.37315.
Full textAbstract:
This paper presents some of the facts regarding the use of technology in Nepalese industries and businesses. This is a research of paper. It uses a set of questionnaires to collect the responses regarding technology management issues. It also reviews and describes scholarly papers, professional research works, and research reports of different national and international organizations to answer the research questions and draw results. Results show that Nepal is rich in many types of traditional technologies. Most of rural businesses are dependent on traditional technology for their activities. The contribution of traditional technology is still important in Nepal’s social-economic sphere and it cannot altogether be neglected. The results also show that the uses of modern technologies are also increasing in Nepal. Regarding modern technologies, information technology (IT), sophisticated technology, biotechnology and tissue culture technology, solar power, computer technology, automation, e-banking, mobile banking, locker facilities, telephone and television, and e-business become popular in Nepalese industries and businesses. The results reveal that lack of political commitment, lack of interactions, the gap between policies and practices, lack of coordination, lack of need assessment, low quality of practical education, low investment in research & development (R&D), inadequate maintenance facilities, the rapid pace of technological change, and non-involvement in decision-making are the key issues related to the management of technology in our context. The focus on R&D is essential for the development of new technologies in Nepal.
47
Wardhani, Yustiana, and Vevi Firmayanti. "Analisis Kepuasan Nasabah Terhadap Pelayanan Jasa Perbankan Secara On Line Melalui Ponsel (Mobile Banking M-BCA) pada PT. BCA Tbk. KCP Cibubur." Jurnal Ilmiah Binaniaga 5, no. 1 (January 31, 2019): 19. http://dx.doi.org/10.33062/jib.v5i1.214.
Full textAbstract:
Increasing number of banks in Indonesia and the increased facilities owned by each bank, making the level of competition among banks is also increasingly fierce. Any banks compete to provida services and the best service for the community. Strategis in the travel by the banks, among others, improve the quality of the product or service and convenience in transaction facilities. Bank Central Asia (BCA) as one of the banks in Indonesia, of course must be responsive in the face of such competition. In this case trying to get products and services are more specific in order to provide maximum satisfaction to its customers and also attract a wider consumer, so that excel in competition, because customer satisfaction is not only derived from the product features alone but must be a combination of features and quality service provided. Based on the analysis of IPA which is a mapping of each attribute of service into the cartesian diagram Attributes that are in quadrant I or high priority are (1) Speed of service m-BCA m-payment transactions (credit card payments, electricity, telephone, etc.), (2) Speed of service m-BCA conduct m-commerce transactions (purchase refill pulse), (3) Speed of service m-BCA in providing information, (4) Ease of service m-BCA m-payment transactions (credit card payments, electricity, telephone, etc.), and (5) Ease of service m-BCA m-commerce transactions (purchase refill pulse). Attributes that are quadrant II or maintain performance are (1) Speed of service m-BCA in conducting transactions m-info (&mutations account balance), (2) Speed of service m-BCA in the m-transfer transactions (inter BCA & inter-Bank), (3) Ease of service m-BCA in conducting transactions m-info (& mutations account balance), (4) Ease of service m-m-BCA transfer transactions (inter BCA & inter-bak), (5) Security uses m-BCA in financial transactions, and (6) Security using m-BCA in non-financial. transactions. Attributes that are in quadrant III or low priority are (1) The ability of providing the promised services, and (2) m-BCA service instructions, and attributes that are at or excessive quadrant IV are (1) Display service menu m-BCA easily understood, (2) tidiness on screen service menu m-BCA, (3) Speed of service m-BCA in conducting transactions m-admin (activation of m-BCA, change PIN), and (4) Ease of service m-BCA in conducting transactions m-admin (activation 0f m-BCA, change PIN).
48
Olkhovska, Oksana, and A. Yu Chuguevtsev. "Scoring is an expert method for predicting the credit capacity of social assets." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2019 (2019): 171–77. http://dx.doi.org/10.37405/2221-1187.2019.171-177.
Full textAbstract:
The article defines that modern approaches to solving the credit issue, while minimizing the risk of possible losses, need to introduce new effective risk management principles and computer decision support systems. The construction of such systems involves the development and use of a variety of alternative methods for analyzing data, alternative models and relevant criteria for analyzing the quality of models and the final result – the probability of non-return of credit. It has been proven that the use of the scoring model as one of the main risk management tools of credit operations is recognized worldwide as one of the most effective. In modern foreign banking practice, when building a scoring system, most often, such client characteristics are taken into account: the number of children, marital status, income, telephone availability, and the period of cooperation with the bank. In recent years, scoring systems have become widespread in the activities of domestic banks. Keywords credit scoring, scoring model, creditworthiness of individuals, bank accountant, post-manager, credit scoring technology.
49
Tucker, Mark, and Christine Jubb. "Bank and product selection – an Australian student perspective." International Journal of Bank Marketing 36, no. 1 (February 5, 2018): 126–46. http://dx.doi.org/10.1108/ijbm-10-2016-0151.
Full textAbstract:
Purpose The purpose of this paper is to investigate and comment on the factors used by Australian students to select their bank and the products and services they utilise, based on responses to an online questionnaire. Design/methodology/approach A mixed-methods approach, incorporating both qualitative and quantitative methods, was used to investigate this research issue. Convenience sampling resulted in 276 completed online responses. Mean ranking and factor analysis methods were employed to identify the key factors used in selecting a bank and frequency analysis used to examine the products and services utilised by students. Findings The key factors used by students to select a bank in Australia were bank competence, recommendations and outside influences, bank costs, returns and services, and finally location. The main bank products and services used by students were automated teller machines (ATMs), savings accounts, internet and telephone banking, and debit cards. Research limitations/implications The use of an online survey which limits the pool of respondents to internet users and, the sample size limits generalisability of the findings. Practical implications Banks can better target and understand the key determinants used by students in selecting a bank and the products and services this group values. This will allow Australian banks to develop programs to better attract and retain student customers. Originality/value Provides insight to and understanding of the determinants used by students to select their bank and the products and services they utilise. Furthermore, this study fills a gap in the literature by focusing on the banking behaviour of Australian students, an important segment of bank customers previously under-researched.
50
Vardar, Nükhet. "Bank Z's communication dilemma during Turkey's 2001 crisis." Emerald Emerging Markets Case Studies 2, no. 5 (July 10, 2012): 1–8. http://dx.doi.org/10.1108/20450621211264743.
Full textAbstract:
Subject area Marketing. Study level/applicability The primary target for this case study is marketing and communications undergraduate students, especially those from emerging countries; the secondary target is MBA students studying principles of marketing, integrated marketing communications. Case overview Turkey probably faced the most severe economic crisis after the Second World War in February 21, 2001, when the Turkish Lira was devalued by 94 percent against US dollar just overnight. Against this volatile business environment, Bank Z as one of the major banks in Turkey, was preparing for the launch of a major new marketing and communication plan. In April 2000 Bank Z had set itself the target of “changing the banking concept in Turkey, accomplishing no other bank was able to realize”. So Bank Z was ready to communicate its new consumer banking products when the country started to face rough times. Especially financial institutions and banks were encountering serious trust issues. Bank Z on the other hand, had grouped its products according to their line of financial expertise in five groups with the aim of having specialized personnel in these different areas, serving clients in the best possible way. Furthermore, the bank was aiming to realize 80 percent of its transactions via telephone and internet banking. Therefore, Bank Z had undertaken major technological investments in order to be able to deliver these services. But under these volatile economic conditions, should they go ahead with the campaign? Or should they postpone the campaign? Or should they realize it with a reduced frequency and budget? What if they postpone and one of the competitors start a new advertising campaign with similar propositions? The case tries to answer these critical questions with the help of market data, showing the likely course of business decisions can take in an emerging country just under 24 hours. Expected learning outcomes There are two main outcomes: first, to show the importance of consistent, continuous and sustainable communication for brand's marketing activities, especially during times of economic instability. The second outcome is to simulate difficulties of decision making under highly volatile market conditions and in high-risk environments, especially when the business environments can change abruptly. Supplementary materials Teaching notes are available.