• East Asian Journal of Business Economics (EAJBE)
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• v.5 no.1
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• pp.27-32
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• 2017

The main objective of this study is to find the Interrelationship between Service Quality, Electronic Banking and Customer Satisfaction in Commercial Banks in Uganda. A review of literature was conducted to find out the relationship among Service Quality, Electronic Banking and Customer Satisfaction. The literature review confirms this relationship. A survey was conducted to collect data. The sample size of 210 commercial banking customers was drawn from different banks in Uganda. The result shows, the Electronic banking adoption was found to have a positive relationship with Service Quality, Service Quality was found to have a positive relationship with Customer satisfaction; and Electronic banking adoption had a positive relationship with Customer satisfaction. In light of the findings various recommendations were put across on how retail banks can better satisfy their customers through the use of electronic banking channels. Electronic banking adoption will then foster Service Quality where a customer's service expectations are exceeded by the actual service She/he obtains. This will then bring about Customer satisfaction where the customers find that their needs are met by the service.

• The Journal of Economics, Marketing and Management
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• v.7 no.2
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• pp.15-23
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• 2019

Purpose - This describes a comparative study about the Online banking system between developing country (Bangladesh) and developed country (South Korea). Research design, data, and Methodology - Use comparison as the descriptive situation, secondary data were used to determine the differences between both countries with respect to Online banking. And also show the representative cases of online banking, kakao bank and bKash. Result - The results showed that the data indicate that both nations are dissimilar in providing basic and additional services offered by their traditional commercial banks. And different cultures and traditions in financial industry will play a major role in the adaption and development of online banking industry among different nations. Belief on lack of effort on educating the consumers toward online banking further affected the usability of online banking in both countries. Conclusions - this comparative study provides insightful guidelines for the future development of online banking industry in developing nations and worldwide. Also, managerial and empirical implications are discussed with suggestions for future research.

• The Journal of Information Systems
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• v.18 no.2
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• pp.1-18
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• 2009

Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

• Journal of Korea Society of Industrial Information Systems
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• v.12 no.5
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• pp.86-97
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• 2007

For continuous growth and diffusion of internet banking, it is important to investigate user resistance factors to internet banking. This study investigates the effects of individual characteristics, characteristics of internet banking and service quality factors on user resistance to internet banking. Individual characteristics include self-efficacy of computer, self-efficacy of internet banking, attitude to change, and innovative attitude. Characteristics of internet banking include relative advantage, compatibility, complexity, and perceived risk. Service quality was classified as 5 dimensions of SERVQUAL. The results of this study showed that self-efficacy of computer, self-efficacy of internet banking, compatibility, responsiveness, complexity, perceived risk, reliability and empathy had a significant effect on user resistance to internet banking.

• East Asian Journal of Business Economics (EAJBE)
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• v.9 no.4
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• pp.113-129
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• 2021

Purpose -This study was based on the TAM and the trust of Bangladeshi in social impact, privacy and security, compatibility, perceived-ease of use, and perceived-usefulness. The purpose of this study is to investigate how these variables affect the acceptance of online banking. Research design, data, and methodology - Internet survey was conducted for individuals who had experience in using the online banking service, and those who have no experience in online banking were excluded from the analysis. The questionnaire was distributed to Bangladesh respectively, and data were collected. Result - Trust is the variable that has the greatest influence on the adaption of online banking service. Perceived-usefulness was found to have a important effect on individuals' behavioral-intention towards the adopting of online Banking services in Bangladesh. It was also found that compatibility, privacy and security were important predictors. Conclusion - The TAM model, which explains individual behavioral intentions toward adopting online banking services in Bangladesh, is sufficiently applicable. Perceived ease of use found an important predictor of trust. Evidently, the current conclusions provide empirical evidence that customers would be more willing to adopt online banking services if they find it useful and reliable. Another very important constructive correlation between trust and perceived-usefulness, suggesting that consumers who realize that online banking is safe and useful.

• Journal of Information Technology Applications and Management
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• v.17 no.2
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• pp.207-223
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Especially from current year when Carriers in domestic plans to provide the services using 2.5G networks the service providers choose wireless e-commerce as the main parts of wireless internet strategy and will provide a various of services. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• Journal of Internet Computing and Services
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• v.18 no.4
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• pp.69-78
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• 2017

We expect that the accredited certificate-based open banking, which is actively deployed in recent times, will solve the Galapagosization problem of the existing accredited certificate-based closed banking by supporting standard communication protocol and web compatibility. However, it is questionable how much the open banking will answer the security and usability problems of the existing closed banking. This paper is focused on analyzing the differences between the existing closed banking and the open banking, and then evaluates how much the security and usability problems of the existing closed banking are resolved by the open banking. The study firstly analyzes the security vulnerabilities raised in the process of providing closed banking services for the past 15 years or more, the countermeasures applied to enhance security, and the convenience impact of countermeasures. And then, the security and convenience of the open banking is inferred by analyzing the implementation difference between the closed banking and the open banking. The paper also briefly discusses how to improve the open banking to resolve the remaining problems of the open banking.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.3
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• pp.751-761
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• 2021

The Vietnamese economy is a developing country that has brought many opportunities and challenges for the banking system. Commercial banks have developed strongly from quality to quantity, which plays a vital role in developing the economy. They play an important role in capital formation, which is essential for the economic development of a country. They provide financial services to the general public and businesses, ensuring economic and social stability and sustainable growth of the economy. Therefore, the relationship between bank depth and economic growth is of importance in research. This paper used a VAR (Vector Autoregressive Models) estimator for time series data models. The data is collected quarterly from the first quarter of the year 2000 to 2020. The study uses the VAR model to examine the causal relationships of economic growth, growth in money supply expansion, private sector capital requirement, and banks' domestic credit. The results indicate a general short-run relationship between banking sector depth and economic growth with a positive connection, but in the long term, the relationship between these variables can be reversed because of other macro factors. The findings show the two-way causal relationship between GDP growth and banking depth factors. This research contributes to policy-making by underlining the banking sector depth determinants when setting regulations and policies to develop the banking sector.

• The Journal of Information Systems
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• v.19 no.4
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• pp.111-136
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• 2010

This study examined the difference in the usage of internet banking users between Korea and China. This model tests various theoretical research hypotheses relating to internet banking, The Unified Theory of Acceptance and Use of Technology(UTAUT). The factors influencing on the use intention of Internet banking have been classified as performance expectancy, effort expectancy, social influence and facilitating conditions. The proposed model was empirically tested using data collected from a survey of internet banking users in Korea and China. The model is used by SPSS 15.0 and AMOS 7.0 for analysis on the sample collected from 272 respondents. The result of hypothesis testing are as follows. First, performance expectancy and social influence positively influence use intention of internet banking user both Korea and China. Second, facilitating conditions only positively influence on the usage of internet banking users in Korea. On the other side, effort expectancy do not influence the use intention of internet banking users in both two countries. The results of study will provide practical implications on the internet banking in Korea and China.

• The Journal of Asian Finance, Economics and Business
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• v.4 no.4
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• pp.79-86
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• 2017

The purpose of this research is to examine reasons and evaluate strategies implemented by the Indian banking industry in tackling jay-customers in general and in light of the recent demonetization in particular. After a thorough germane literature and theoretical framework on jay-customers and Indian banking industry, researchers framed a well-structured questionnaire for collecting banking employees opinions along with a set of questions framed to conduct in-depth personal interviews with banking customers. The collected data were summarized, coded, and controlled by using Software R and the selected hypotheses were analyzed by the observance of percentile values. More than 90 percent of banking employees said lack of proper supply of cash from the Reserve Bank of India is the major reason for this kind of customer behaviour and shockingly 95 percent of banking customers expressed backdoor preference given by banking employees to some big customers is the major reason. The research confined only two state capitals Amaravati and Bangalore in India and covered only two largest banks one in public and private sector. The research provides useful insight into the crucial reasons for jay-customers' behaviour from the dyadic perspective of both employees and customers of the Indian banking industry.