128 research outputs found
Indian Banking – NEW Vision 2030
Dynamic changes are taking place in the Indian banking industry .The purpose of this paper is to access and analyze the future of Indian banking in the coming competitive era. With the help of ratio analysis method and various statistical techniques ,evaluates the performance of banking industry .In the post – second banking reforms era, Indian banks are very fastly changing and ready to face the global challenges. The paper has been divided into two parts, i.e pre-ebanking period and post -ebanking period. The paper concludes that the performance of banks much better in the post ebanking period. Only those banks will survive in future, which are intensively using information technology in day-to-day activities. The present paper highlights the changing face of Indian banks and predicts the future for 2030. Information technology has altered the face of Indian banks and it has positively affected the productivity and profitability of banks. The presence of Indian banks in the global market is continuously increasing
The environmental and social impacts of ebanking : a case study with Barclays PLC ; final report ; Digital Europe
This report presents the calculations and findings as well as the resulting recommendations from the Barclays Plc case study within the Digital Europe project. Chapter 2 gives the background to the case study; chapter 3 investigates the environmental aspects; and chapter 4 highlights social aspects of different banking scenarios. Chapter 5 outlines future scenarios in the sector and chapter 6 finally makes recommendations for business and government
How does website design in the e-banking sector affect customer attitudes and behaviour?
This thesis researches the interface between ebanks and their customers. An industry traditionally based upon personal contact, the rise of ebanking has changed this relationship such that transactions are now mainly conducted via website interfaces. The resultant loss of personal contact between bank and customer has removed many of the cues available to customers upon which judgments of service, reliability and trust were made. The question raised by this change is: what factors influence consumer choice when viewing bank websites? The arguments of this thesis are that user evaluation of websites and their willingness to use those websites is based not only on user centred factors such as motivation, experience and knowledge but also upon their appraisal of website structure and content
Pengaruh e-satisfaction dan trust terhadap e-loyalty dalam e-ticketing di Traveloka
Penelitian ini menggunakan jenis penelitian kuantitatif, dengan mengumpulkan data primer melalui metode survey lapangan yang menggunakan semua metode pengumpulan data asli. Dalam hal ini, data primer didapat langsung dari responden dengan menggunakan kuisioner yang disebarkan pada pelanggan e-ticketing di Surabaya. Teknik pengambilan sampel yang digunakan adalah metodeopurposive sampling. Pengumpulan data dilakukan dengan menyebarkan kuisioner kepada 120 responden. Kuisioner diolah menggunakan bantuan statistik 26. Analisis data menggunakan regresi linier berganda yang terlebih dahulu dilakukan uji asumsi klasik. Berdasarkan hasil penelitian Uji t atau secara parsial menunjukkan bahwa variabel E-satisfaction dan trust berpengaruh secara signifikan terhadap variabel E-loyalty dalam e-ticketing di Traveloka. Sedangkan hasil Uji F diketahui bahwa secara simultan variabel E-satisfaction (X1) dan Trust (X2) memiliki pengaruh yang signifikan terhadap variabel E-loyalty (Y) dalam e-ticketing di Traveloka. Berdasarkan hasil penelitian yang telah dilakukan maka dapat disimpulkan bahwa E-satisfaction memiliki pengaruh terhadap E-loyalty Dalam e-ticketing Pada Traveloka, sehingga H1 diterima. E-satisfaction yang semakin tinggi akan meningkatkan E-loyalty secara signifikan. Trust memiliki pengaruh terhadap E-loyalty Dalam e-ticketing Pada Traveloka, sehingga H2 diterima. Trust yang semakin tinggi akan meningkatkan E-loyalty secara signifikan. E-satisfaction dan Trust secara simultan berpengaruh terhadap E-loyalty dalam E-ticketing pada Traveloka, sehingga H3 diterima. E-satisfaction yang semakin tinggi akan meningkatkan E-loyalty secara signifikan
Using a Practice Based Perspective to Inform the Design of Knowledge Management Systems: Evidence from Supporting eBanking Activities
The existing mechanistic view of Knowledge Management (KM) pursued by most IT initiatives in this stream, perceiving knowledge as a commodity has proven inadequate to support the highly knowledge-intensive workplace contexts. Drawn from the generic ideas of “technologies-in-practice”, as suggested by Orlikowski (2000), we emphasize the necessity of attaching a more situated character in the technical propositions for KM. In the center of our perspective stand the notions of activities and work practices, as the explanatory tools for interpreting roles and experiences of actors. Work practices serve not only as the context to knowledge, but also as the anchoring point for the enactment of collective learning and thus the support of communities of practice. Our work is substantiated with recommendations for technical approaches to KM. We ground our propositions on the experience of implementing a KM solution for the support of a newly employed and strategically important (e-)banking role, the “Front-line Customer Service”
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The impact of perceived interactivity, control and involvement on bank satisfaction and loyalty. An integrated eService model for eBanking.
Control and involvement are well researched concepts in traditional marketing, while interactivity is a relatively new concept associated with Internet marketing and communication. From an Internet interaction perspective, the research examines the impact of interactivity, control and involvement on customer satisfaction and loyalty in an eBanking context. Using Flow Theory as the theoretical foundation, it is proposed that these three Internet communication constructs lead to eService dependency and eService encounter satisfaction, which, in turn, enhance the overall satisfaction and loyalty to the principal bank at corporate level.
A mixed methodology using both qualitative and quantitative approaches of data collection is adopted. In-depth interviews with eBankers and focus group studies with eBanking customers support the importance of interactivity, control and involvement in the eService encounter. The in-depth interviews and focus groups facilitate the identification of eService dependency as a new construct in the model. Participants¿ views also help the operationalisation of constructs and development of questionnaire for quantitative data collection.
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Analysis of the quantitative data using structural equation modelling shows support for all three constructs¿ hypothesised positive relationships with eService dependency and eService encounter satisfaction i.e. satisfaction at the service encounter level. It is also confirmed that eService dependency and eService encounter satisfaction have a positive impact on overall satisfaction with the principal bank i.e. satisfaction at corporate level. However, the influence of eService dependency and eService encounter satisfaction on loyalty to principal bank is not supported.
The research concludes with the theoretical contributions and managerial implications of the research. Strategies to enhance interactivity with, control of and involvement by eBanking customers are recommended to eBankers. Limitations of the research and directions for future research in Internet and eService are also suggested
Assessing Relative Weights of Authentication Components: An Expert Panel Approach
Organizations rely on password-based authentication methods to control access to many Web-based systems. In a recent study, we developed a benchmarking instrument to assess the authentication methods used in these contexts. Our instrument developed included extensive literature foundation and an expert panel assessment. This paper reports on the development of the instrument and the expert panel assessment. The initial draft of the instrument was derived from literature to assess 1) password strength requirements, 2) password usage methods, and 3) password reset requirements. Following, the criteria within the index were evaluated by an expert panel and the same panel provided opinions on the relative weights of the criteria and the measures. The expert panel results were collected and analyzed using Multi-Criteria Decision Analysis (MCDA) techniques. We conclude with discussions on how the criteria were assembled, how the expert panel was conducted, and reporting the results from the panel. The results reported include the relative weights within te password usage and password reset measures as well as the relative weights of the three measures within the index
Towards a framework to promote the development of secure and usable online information security applications
The proliferation of the internet and associated online activities exposes users to numerous
information security (InfoSec) threats. Such online activities attract a variety of online
users who include novice computer users with no basic InfoSec awareness knowledge.
Information systems that collect and use sensitive and confidential personal information
of users need to provide reliable protection mechanisms to safeguard this information.
Given the constant user involvement in these systems and the notion of users being the
weakest link in the InfoSec chain, technical solutions alone are insufficient. The usability
of online InfoSec systems can play an integral role in making sure that users use the
applications effectively, thereby improving the overall security of the applications.
The development of online InfoSec systems calls for addressing the InfoSec problem as
a social problem, and such development must seek to find a balance between technical
and social aspects. The research addressed the problem of usable security in online
InfoSec applications by using an approach that enabled the consideration of both InfoSec
and usability in viewing the system as a socio-technical system with technical and social
sub-systems. Therefore, the research proposed a socio-technical framework that promotes
the development of usable security for online information systems using online banking
as a case study.
Using a convergent mixed methods research (MMR) design, the research collected data
from online banking users through a survey and obtained the views of online banking
developers through unstructured interviews. The findings from the two research methods
contributed to the selection of 12 usable security design principles proposed in the sociotechnical
information security (STInfoSec) framework.
The research contributed to online InfoSec systems theory by developing a validated
STInfoSec framework that went through an evaluation process by seven field experts.
Although intended for online banking, the framework can be applied to other similar
online InfoSec applications, with minimum adaptation. The STInfoSec framework provides
checklist items that allow for easy application during the development process. The
checklist items can also be used to evaluate existing online banking websites to identify
possible usable security problems.Computer ScienceD. Phil. (Computer Science
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