Trust in electronic banking

Trust among stakeholders is vital for the successful implementation of IS projects such as electronic banking, because such IS initiative do not typically require face-to-face interactions. The Business-to-Business (B2B) model is an example of a relationship that facilitates the implementation of electronic banking. For example, ICT suppliers in alliance with banks to provide and support the IT infrastructure required for electronic banking implementation. These different stakeholders may have different perceptions of trust, which may affect electronic banking implementation. This short paper’s aim is to examine how trust from the stakeholder theory perspective impacts the implementation of electronic banking. This paper proposes, from the stakeholder perspective, an integrated framework that conceptualizes trust between B2B relationships as antecedent to the successful implementation of electronic banking. The research will be based on the multi-case study method. Our proposed study provides a foundation for researchers and practitioners alike in understanding the concept of trust and its impact on IS projects

An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria

Nigeria was depicted to be the fastest growing telecommunications nation in African. Presently, all members of the Nigeria banking industry have engaged the use of Information and Communication Technology (ICT) as a platform for effective and efficient means of conducting financial transactions. This paper focuses on determining the level of users’ acceptance of the electronic banking services and investigating the factors that determine users’ behavioral intentions to use electronic banking systems in Nigeria. The survey instrument employed involved design and administration of a total of 500 survey questionnaires within the Lagos metropolis and its environs. An extended Technology Acceptance Model (TAM) was employed as a conceptual framework to investigate the factors that influence users’ acceptance and intention to use electronic banking. To test the model, data was collected from 292 customers from various commercial banks in Nigeria. The model measured the impact of Perceived Credibility (PC), Computer Self-Efficacy (CSE), Perceived Usefulness (PU), and Perceived Ease of Use (PEOU) on customer attitude and customer attitude on customer adaptation. The result of this research shows that ATM still remains the most widely used form e-Banking service. Banks’ customers who are active users of e-Banking system use it because it is convenient, easy to use, time saving and appropriate for their transaction needs. Also the network security and the security of the system in terms of privacy are the major concerns of the users and constitute hindrance to intending users

Data Mining in Electronic Commerce

Modern business is rushing toward e-commerce. If the transition is done properly, it enables better management, new services, lower transaction costs and better customer relations. Success depends on skilled information technologists, among whom are statisticians. This paper focuses on some of the contributions that statisticians are making to help change the business world, especially through the development and application of data mining methods. This is a very large area, and the topics we cover are chosen to avoid overlap with other papers in this special issue, as well as to respect the limitations of our expertise. Inevitably, electronic commerce has raised and is raising fresh research problems in a very wide range of statistical areas, and we try to emphasize those challenges.Comment: Published at http://dx.doi.org/10.1214/088342306000000204 in the Statistical Science (http://www.imstat.org/sts/) by the Institute of Mathematical Statistics (http://www.imstat.org

An Exploratory Study of Patient Falls

Debate continues between the contribution of education level and clinical expertise in the nursing practice environment. Research suggests a link between Baccalaureate of Science in Nursing (BSN) nurses and positive patient outcomes such as lower mortality, decreased falls, and fewer medication errors. Purpose: To examine if there a negative correlation between patient falls and the level of nurse education at an urban hospital located in Midwest Illinois during the years 2010-2014? Methods: A retrospective crosssectional cohort analysis was conducted using data from the National Database of Nursing Quality Indicators (NDNQI) from the years 2010-2014. Sample: Inpatients aged ≥ 18 years who experienced a unintentional sudden descent, with or without injury that resulted in the patient striking the floor or object and occurred on inpatient nursing units. Results: The regression model was constructed with annual patient falls as the dependent variable and formal education and a log transformed variable for percentage of certified nurses as the independent variables. The model overall is a good fit, F (2,22) = 9.014, p = .001, adj. R2 = .40. Conclusion: Annual patient falls will decrease by increasing the number of nurses with baccalaureate degrees and/or certifications from a professional nursing board-governing body

Being at the cutting edge of internet banking: the role of privacy perception and the consumer determinants of intention to adopt artificial intelligence technologies

Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Marketing IntelligenceThe emerging progress of the industry 4.0 and FinTech companies had repercussions, starting a new investment wave in digitalization for banks and financial companies that, investing in modern technologies that improve financial products, services, and processes. Artificial intelligence technologies are one of the cases that emerged rapidly within financial services. These technologies are used for a better user-bank relationship improving the impact regarding solutions, such as digital money management tools. Even though nowadays customers are now used to internet banking, AI applications and the concerns regarding data privacy can impact the intention to adopt these new solutions and technologies. Therefore, it is crucial to understand the main determinants of intention to adopt, risk, and benefit perceptions regarding emerging banking technologies. In response, an experiment was developed to understand and explain the consumer’s intention to adopt AI tools in internet banking, by investigating the influence of privacy and risk perception on the intention to adopt the technology. Participants were randomly exposed to one of two introduction videos: the basic and the exaggerated one. To run the experiment, we collected data using a questionnaire and performed two studies – one with 132 respondents and another one with 155. Although the results prove that the videos had no impact on the risk and privacy perception, our results support some relationships of decomposed theory of planned behavior. To explain the intention to adopt the technology, attitude towards adopting and perceived behavioral control are the key factors. The implications of this research for companies and consumers are discussed

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.E-banking, Internet, ATM, Online transaction, E-readiness, Technology Acceptance Models

The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review

The most widely used e-Banking instrument in �igeria is e-Payment, particularly the automatic teller machine (ATM) card. However, with the adoption of e-Banking by all the banks in �igeria, the volume of cash in circulation has continued to increase pre-and-post bank recapitalization/consolidation exercise. Furthermore, some of the 25 banks that survived the exercise were found lately to have depleted their capital base and have lost credibility before the consumers, e-Banking implementation notwithstanding. Therefore, in this paper, we review the state of e-Banking implementation in �igeria and evaluate the influence of trust on the adoption of e-Payment using an extended technology acceptance model (TAM). Similarly, we investigate organizational reputation, perceived risk and perceived trust in the management of banks as a factor for enhancing customer loyalty. The findings in this work reveal that perceived ease of use and perceived usefulness are not only antecedent to ebanking acceptance, they are also factors to retain customers to the use of e-banking system such as organizational reputation, perceived risk and trust

Re-thinking the regulatory environment of credit reporting: Could legislation stem privacy and discrimination concerns?

This paper examines the activities carried out in the UK by Credit Reference Agencies, current business practices, and the legal standing of credit reporting. It suggests areas and issues for further legal debate and policy consideration. Ultimately, this study puts forward the case for specific legislative intervention to strike a balance between privacy rights, discrimination concerns, and the needs of the credit industry

Consumer credit information systems: A critical review of the literature. Too little attention paid by lawyers?

This paper reviews the existing literature on consumer credit reporting, the most extensively used instrument to overcome information asymmetry and adverse selection problems in credit markets. Despite the copious literature in economics and some research in regulatory policy, the legal community has paid almost no attention to the legal framework of consumer credit information systems, especially within the context of the European Union. Studies on the topic, however, seem particularly relevant in view of the establishment of a single market for consumer credit. This article ultimately calls for further legal research to address consumer protection concerns and inform future legislation

Credit bureaus between risk-management, creditworthiness assessment and prudential supervision

"This text may be downloaded for personal research purposes only. Any additional reproduction for other purposes, whether in hard copy or electronically, requires the consent of the author. If cited or quoted, reference should be made to the full name of the author, the title, the working paper or other series, the year, and the publisher."This paper discusses the role and operations of consumer Credit Bureaus in the European Union in the context of the economic theories, policies and law within which they work. Across Europe there is no common practice of sharing the credit data of consumers which can be used for several purposes. Mostly, they are used by the lending industry as a practice of creditworthiness assessment or as a risk-management tool to underwrite borrowing decisions or price risk. However, the type, breath, and depth of information differ greatly from country to country. In some Member States, consumer data are part of a broader information centralisation system for the prudential supervision of banks and the financial system as a whole. Despite EU rules on credit to consumers for the creation of the internal market, the underlying consumer data infrastructure remains fragmented at national level, failing to achieve univocal, common, or defined policy objectives under a harmonised legal framework. Likewise, the establishment of the Banking Union and the prudential supervision of the Euro area demand standardisation and convergence of the data used to measure debt levels, arrears, and delinquencies. The many functions and usages of credit data suggest that the policy goals to be achieved should inform the legal and institutional framework of Credit Bureaus, as well as the design and use of the databases. This is also because fundamental rights and consumer protection concerns arise from the sharing of credit data and their expanding use