Global opportunities for securing overseas retail deposits within the UK banking industry

The UK banking industry is very competitive and banks work hard to keep their existing customers and entice new customers to join their banks. This report will focus on a single global opportunity for a UK bank to secure deposits from overseas customers in order to facilitate its growth strategy. To protect the identity of the bank, it will be referred to as the UK Bank throught this report

Does The Banking Information System Affect Customer Satisfaction and Loyalty?

This research examines customer satisfaction and loyalty in Islamic banking in the use of internet banking. The research was conducted based on the increase in e-banking users in Islamic banking in Indonesia. E-banking is one of the banking information system services needed today. The research method was carried out using the method of Structural Equation Modeling (SEM) through AMOS and SPSS software. Meanwhile, data collection is carried out through an online survey via a google form. The online survey found 154 respondents of which 27% were from Central Java Province and 47% from the Special Region of Yogyakarta with simple random analysis sample analysis. This study shows that internet banking adoption has a significant effect on customers in Islamic banking, while satisfaction is very large in mediating the relationship between internet banking use and customer loyalty in Islamic banking. Theoretically, this study implies that the banking information system, especially in internet banking, plays an important role in providing service and satisfaction and has a significant effect on customer loyalty

Internet Banking: Analysing encouragement and impediment factors among academicians

The paper aims to explore the encouragement and impediment factors for consumers to adopt internet banking services. The study should provide effective strategies for banking institutions on how to maximise the rate of adoption. A survey involving a sample size of 200 was conducted by sending questionnaires to lecturers in 20 public universities in Malaysia. The Decomposed Theory of Planned Behaviour model (DTPB)was used. While "Perceived Usefulness" and "Features of websites" were the top factors which encourage the adoption of internet banking,"Culture" was the most significant impediment in adoption. In terms of moderating variables, only a few variables show significant impact on certain factors. Age and income impacted only on "External environment" whereas WAP feature had an impact only on "Perceived usefulness'. Other variables have not shown significant effect on the factors. The findings suggest that banking institutions should plan effective strategies to enhance the push factors and to counter the barrier of culture in order to enhance internet banking adoption. This study offers valuable strategies for marketers to rethink how to educate potential customers and promote internet banking using innovative approaches. Recommendations are offered to financial institutions to plan effective strategies to enhance adoption of internet banking. The potential factors influencing internet banking adoption also provide useful insights for other developing countries

Service Quality, Customer Satisfaction and Loyalty: An Empirical Analysis of Banking Sector in Pakistan

The basic aim of this study is to explore most common constructs for quality of banking services, which influence customer satisfaction and examine the impact of customer satisfaction on customer loyalty in the context of banking relationships. The questionnaire was used to collect the data from 192 valid respondents by convenience sampling method. SPSS was used to analyze the data and AMOS was used to test the model. The results of the study show that there is a positive and significant link between customer satisfaction and constructs of service quality like tangibility, reliability, competence conflict handling and further study inferred that customer satisfaction is positively significant related to customer loyalty

Service Quality Improvement in Thai Retail Banking and its Management Implications

At the retail level, service quality is a key factor in consumer satisfaction with his or her bank. This article examines commitment to and emphasis within service quality. Despite the rapid growth in electronic banking it was found that in Thailand the emphasis has been on improving personal counter services. A model for investigating service in a retail banking environment is set out in the article

Prospects and Challenges of Electronic Banking in Société Generale Ghana Limited: Evidence from Accra Metropolis

The study examines   the prospects and challenges of E-banking using SOCIETE GENERALE GHANA LTD in Greater Accra, Region of Ghana. Simple random sampling technique was used to sample Ninety (90) respondents for the study. Data was collected with structured questionnaires. Descriptive and inferential statistics were used to analyse the data. The results revealed that about 97%   of respondents used E-banking products. These products include: ATM, text message, internet. Electronic mail, and Telephone. ATM is most popular E-banking products used by the respondents. The study further revealed the following benefits which the respondents derived from the use of E-banking products:  saving of time, quickness in banking transactions, easy access to account details and reduction of long queues in banking halls. According to the study, customer satisfaction and competition from other banks were the main influencing factors for E-banking adoption. Notwithstanding E-banking advantages, it is confronted with challenges such as frequent network failure, high bank charges, limit on amount of cash withdrawal and wrong debit was identified as the paramount challenges. Nevertheless, respondents recommended that for effective E-banking system, customer education and marketing of E-banking products should be the key strategy to use to attract more customers, increasing security for E-banking products, reduction of charges of E-banking products and increasing more ATM outlets in the country. Keywords: electronic banking, Ghana, Universal bank

Circumstances Probing Internet Banking Users to Use Alternative Channels: Thematic Matrix Display Analysis

This study highlights the circumstances that actually probe internet banking users to switch to the use of alternative channels in performing their banking transactions within Australian context. Data obtained from 372 internet banking users was analysed by employing thematic matrix analysis technique to identify various macro and micro thematic categories in that hierarchical order of importance. Results revealed factors such as ‘unable to perform over the internet’, ‘lack of internet access’, ‘not sure of something’, ‘problem rectification’, ‘proximity to auxiliary facilities’ and ‘type of internet connectivity’ were relevant in identifying the circumstances under which they preferred to use other banking channels. The study provides important implications for the formulation of effective service delivery channel management strategies by way of implementing effective mechanisms. Moreover, the study also outlines important guidelines for practical solutions in order to reduce the impact of situational barriers thus focusing on effective customer retention strategies. With the information provided by this research, bank executives, consultants and academics will have enhanced knowledge of the service areas they need to focus on to improve customer satisfaction, retention and profitability in the financial services businesses

Service quality, customer satisfaction and loyalty: an empirical analysis of banking sector in Pakistan

The basic aim of this study is to explore most common constructs for quality of banking services, which influence customer satisfaction and examine the impact of customer satisfaction on customer loyalty in the context of banking relationships. The questionnaire was used to collect the data from 192 valid respondents by convenience sampling method. SPSS was used to analyze the data and AMOS was used to test the model. The results of the study show that there is a positive and significant link between customer satisfaction and constructs of service quality like tangibility, reliability, competence conflict handling and further study inferred that customer satisfaction is positively significant related to customer loyalty

Service quality, customer satisfaction and loyalty: an empirical analysis of banking sector in Pakistan

The basic aim of this study is to explore most common constructs for quality of banking services, which influence customer satisfaction and examine the impact of customer satisfaction on customer loyalty in the context of banking relationships. The questionnaire was used to collect the data from 192 valid respondents by convenience sampling method. SPSS was used to analyze the data and AMOS was used to test the model. The results of the study show that there is a positive and significant link between customer satisfaction and constructs of service quality like tangibility, reliability, competence conflict handling and further study inferred that customer satisfaction is positively significant related to customer loyalty