507,562 research outputs found

    ELECTRONIC BANKING - ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

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    E-banking is a fully automatic service for traditionally banking customer's products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.Electronic banking, Internet banking, Home Banking, Mobile Banking.

    Awareness and use of m-banking services in agriculture: The case of smallholder farmers in Kenya

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    Smallholder farmer access to agricultural finance has been a major constraint to agricultural commercialization in developing countries. The ICT revolution in Africa has however brought an opportunity to ease this constraint. The mobile phone-based banking services that started in Kenya urban centers have spread to rural areas and even other countries. Using these services farmers could receive funds invest in agriculture finance transactions. This study examines the awareness and use of m-banking services among rural farmers in Kenya. It also assesses the factors conditioning the use of such services. The study finds high awareness of m-banking services among the smallholder farmers. It also finds that education, distance to a commercial bank, membership to farmer organizations, distance to the m-banking agents, and endowment with physical and financial assets affect the use of m-banking services. It discusses the implications of these findings for policy and practice.Mobile phones, m-banking services, awareness and use, smallholder farmers, Kenya, Financial Economics,

    Do more banking offices mean more banking services?

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    An argument that recent growth in the number of banking offices (head offices plus their branches) does not necessarily mean that banking services have increased.Banks and banking - Customer services

    Service quality perception and customers’ satisfaction in internet banking service: a case study of public and private sector banks

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    Present research is based on empirical evidences collected through the customers’ survey regarding to the customers perception in internet banking services provided by public and private sector banks. It is efforts to examine the relationship between the demographics and customers’ satisfaction in internet banking, relationship between service quality and customers’ satisfaction as well as satisfaction in internet banking service provided by the public sector bank private sector banks. Present research shows that, demographics of the customers’ are one of the most important factors which influence using internet banking services. Overall results show that highly educated, a person who are employees, businessmen and belongs to higher income group and younger group are using this service, however, remaining customers are not using this services. Results also show that overall satisfaction of employees, businessmen and professionals are higher in internet banking service. There is significant difference in the customers’ perception in internet banking services provided by the public and privates sector banks. Private sector banks are providing better service quality of internet banking than service provided by the public sector banks. Therefore, public sector banks should improve their internet banking services according to the expectations of their customers.Service Quality; Perception; Customers’ Satisfaction;Internet Banking Service

    Financial Inclusion Through M-Banking Services: Scope and Problems in India

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    With the help of modern information communication technology, m-banking as a new type of banking services carrier can provide efficient and effective financial services for unbanked and rural peoples in India. Increased cellular service users in rural Indian provide wide opportunity to expand m-banking service in India. However, in spite of opportunities there are numbers of problems and threats in m-banking system. Their major shortcomings are network coverage, security, low cost effectiveness, inconvenience in using mobile handset, IT literacy etc. The outcome of the paper is a defined set of customer requirements to m-banking services in India and an explanation of major failure reasons along with opportunities for their improvement.M-banking, Unbanked, Financial Inclusion

    Technology and Service Quality in the Banking Industry: An Empirical Study of Various Factors in Electronic Banking Services

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    Technology-based self service has greatly changed the way that service Firms and consumers interact and are raising a host of research and practice issues relating to the delivery of e-service which has become increasingly important not only in determining the success or failure of electronic commerce but also in providing consumers with a superior experience with respect to the interactive flow of information. The purpose of this research study was to establish the relationship between technology and service quality in the banking industry in Nigeria. The research was carried out through a cross sectional smvey design which questioned respondents one e-banking services. The population of study mainly constituted of customers of Oceanic bank within Lagos metropolis and its environs. The respondents of the study were customers of banks using e-banking services (internet banking, mobile banking and AIM). The sample in this study consisted of 120 respondents who are users of thee-banking services. The data collected was analyzed by use of frequency, percentage, means and correlation analysis. The findings revealed that secure services as the most important dimension, followed by convenient location of AIM, efficiency (not need to wait, ability to set up accounts so that the customer can perform transactions immediately, accurately of records, user friendly, ease of user, complaint satisfaction, accurate transactions and operation in 24 h)

    The German banking system : system of the future?

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    In early 1991 the United States Treasury Department of the Bush Administration recommended in ib proposal for Modemizing The FinancialSystem l that, in addition to other remarkable breaks with the traditional United States financial Services framework, the current bank holding Company structure be replaced with a new financial Services holding Company that would reward banks with the ability to engage in a broad new range of financial activities through separate afbliates, including full-service securities, insurance, and mutual fund activities. The Treaaury Department pointed out that commercial banking and investment banking are complementary Services and that the Glass-Steagall Separation was unnecessary. The Treasury Department gave many reasons for the need for financial modernization and why such a modemized System would work better. As an example that demonstrates the advantages of the System proposed by the Treasury Department, the proposal pointed to the German banks and called the German model of a universal banking System the most liberal banking System in the world. -What makes the German universal banking System so unique and desirable? The following outline of the history and the current structure of the Getman banking System is intended to give readers a background tc determine whether the German banking System could be a model for the System of the future

    Assessing the Role of Automation in Managing of Iranian E-banking and its Impact on Social Benefit

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    Banks in the field of commercial developments have attention to create structural changes in the receiving and payment systems and also have facilities in services process to customers. In fact we can claim one of the reasons of general tendency to electronic business is the banks managers’ attention to the importance and necessity of this phenomenon, thus have led to their trend and serious attention for providing banking structure, based on electronic method. What banking services makes it different in comparing with other conventional methods for using E-Banking systems, is, quantitative and qualitative expansion in customer service. In other words, E-Banking, prepares the situation to customer till have wider and more diverse services. Furthermore, time and spatial dimension will not have effect in reducing or increasing services to customers. Also the customer can control his/her financial activities in every time and everywhere without attending in bank’s branches. The aim of this paper is to illustrate the status of banking automation, its social and organizational consequences in Iranian E-banking system, and providing appropriate recommendations.Bank automation, ATM, E-banking, service quality.

    The Impact of E-banking on Customer Satisfaction in Nigeria

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    This paper examined and assessed the impact of e-banking services on customer satisfaction in the Nigerian banking industry.E-banking
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