The role of influential perceptual dimensions on the client's use of Internet banking services: A case study in Pasargad Bank

The aim of the present research is to study the role of the influential perceptual dimensions on the client's use of internet banking services of Pasargad Bank branches of Tehran. For this purpose, 384 of the clients of the branches of this bank in Tehran have been selected by using stratified random sampling method and the research questionnaires were distributed among them. The influential factors on acceptance of these services by the clients were studied in terms of four dimensions of efficiency, individual, social and security and for testing the proportionality of the research questionnaire, the exploratory factor analysis were used. The results indicated that the indices under study relatively represent the dimensions of the study. Hence, during the fitting the structural model, the effect of each of these dimensions were studied on the use of internet banking services, the results of which indicate that the efficiency and security dimensions have a significant effect (p<0.01) on the use of internet banking services while other dimensions such as individual and social dimensions in comparison to the efficiency dimension which were measured in terms of two concepts of usefulness and convenience and security, do not have a significant effect (p<0.01) on the use of internet banking services

The role of influential perceptual dimensions on the client's use of Internet banking services: A case study in Pasargad Bank

The aim of the present research is to study the role of the influential perceptual dimensions on the client's use of internet banking services of Pasargad Bank branches of Tehran. For this purpose, 384 of the clients of the branches of this bank in Tehran have been selected by using stratified random sampling method and the research questionnaires were distributed among them. The influential factors on acceptance of these services by the clients were studied in terms of four dimensions of efficiency, individual, social and security and for testing the proportionality of the research questionnaire, the exploratory factor analysis were used. The results indicated that the indices under study relatively represent the dimensions of the study. Hence, during the fitting the structural model, the effect of each of these dimensions were studied on the use of internet banking services, the results of which indicate that the efficiency and security dimensions have a significant effect (p<0.01) on the use of internet banking services while other dimensions such as individual and social dimensions in comparison to the efficiency dimension which were measured in terms of two concepts of usefulness and convenience and security, do not have a significant effect (p<0.01) on the use of internet banking services

The role of influential perceptual dimensions on the client's use of Internet banking services: A case study in Pasargad Bank

The aim of the present research is to study the role of the influential perceptual dimensions on the client's use of internet banking services of Pasargad Bank branches of Tehran. For this purpose, 384 of the clients of the branches of this bank in Tehran have been selected by using stratified random sampling method and the research questionnaires were distributed among them. The influential factors on acceptance of these services by the clients were studied in terms of four dimensions of efficiency, individual, social and security and for testing the proportionality of the research questionnaire, the exploratory factor analysis were used. The results indicated that the indices under study relatively represent the dimensions of the study. Hence, during the fitting the structural model, the effect of each of these dimensions were studied on the use of internet banking services, the results of which indicate that the efficiency and security dimensions have a significant effect (p<0.01) on the use of internet banking services while other dimensions such as individual and social dimensions in comparison to the efficiency dimension which were measured in terms of two concepts of usefulness and convenience and security, do not have a significant effect (p<0.01) on the use of internet banking services

A relationship between service quality and customer satisfaction in e-banking services- a study with reference to commercial banks in Chennai City

Purpose: This paper's main aim is to validate the service quality dimensions offered by commercial banks in the study area and the relationship between service quality dimensions and customer satisfaction provided by commercial banks.   Theoretical Framework: In India, three categories of commercial banks are the public sector, private sector, and foreign banks. These banks have heavy competition among themselves in maximising their customer base.   Design/Methodology/Approach: The researcher collected 600 responses through convenience sampling. Applied exploratory factor analysis, confirmatory factor analysis, regression analysis and structural equation model to conclude that service quality of electronic banking service is not a unique phenomenon.   Findings: E-Banking depends upon the five essential factors: reliability, safety and security, assurance, technological augmentation, and quickness since the electronic banking services offered by commercial banks are entirely based on the Internet process.   Research, Practical & Social Implications: The study identifies the customer requirements and how commercial banks could satisfy such requirements with their banking strategies. Also, the study identifies whether any demographic difference exists among the customers of commercial banks in perceiving the quality of e-banking services

Customers’ Risk Perception and Intention of Using Electronic banking Services: An Empirical Study Based on Evidence of Chinese

With the continuous development of Internet technology, people's life is more and more inseparable from Internet technology. Electronic banking is one of the embodiments of the banking industry in the use of Internet technology. Electronic banking services bring convenience and efficiency to people's lives, and at the same time, risks also follow. As the world's second largest economy and country with the largest population, China's electronic banking user scale exceeds 400 million people, and the annual growth rate of the number of users is more than 10 percent. The risks arising from the use of electronic banking services are also troubling the Chinese people. The purpose of this dissertation is to investigate the impact of perceived risk on customer’s intention to use electronic banking which based on data from China. The model on this dissertation was developed from the traditional Technology Acceptance Model (TAM), new variables in terms of perceived risk and new logical relationship among variables were added in the new theoretical model which proposed in this dissertation. Six dimensions of perceived risk were extract in order to investigate the factors that influence customers’ behavioral intention towards using electronic banking services. The result of this study shows that perceived security risk, financial risk, performance risk, time risk, psychological risk has a significantly and negatively influence customers’ intention towards the use of electronic banking services, and among them, the most concerned by customers is the security risk, and perceived social risk does not influence the intention towards using electronic banking service. In addition, the internal factors of Perceived Usefulness (PU) and Perceived Ease of Use (PEOU) also confirmed to be positively influence intention

An improved negative selection algorithm based on the hybridization of cuckoo search and differential evolution for anomaly detection

The biological immune system (BIS) is characterized by networks of cells, tissues, and organs communicating and working in synchronization. It also has the ability to learn, recognize, and remember, thus providing the solid foundation for the development of Artificial Immune System (AIS). Since the emergence of AIS, it has proved itself as an area of computational intelligence. Real-Valued Negative Selection Algorithm with Variable-Sized Detectors (V-Detectors) is an offspring of AIS and demonstrated its potentials in the field of anomaly detection. The V-Detectors algorithm depends greatly on the random detectors generated in monitoring the status of a system. These randomly generated detectors suffer from not been able to adequately cover the non-self space, which diminishes the detection performance of the V-Detectors algorithm. This research therefore proposed CSDE-V-Detectors which entail the use of the hybridization of Cuckoo Search (CS) and Differential Evolution (DE) in optimizing the random detectors of the V-Detectors. The DE is integrated with CS at the population initialization by distributing the population linearly. This linear distribution gives the population a unique, stable, and progressive distribution process. Thus, each individual detector is characteristically different from the other detectors. CSDE capabilities of global search, and use of L´evy flight facilitates the effectiveness of the detector set in the search space. In comparison with V-Detectors, cuckoo search, differential evolution, support vector machine, artificial neural network, na¨ıve bayes, and k-NN, experimental results demonstrates that CSDE-V-Detectors outperforms other algorithms with an average detection rate of 95:30% on all the datasets. This signifies that CSDE-V-Detectors can efficiently attain highest detection rates and lowest false alarm rates for anomaly detection. Thus, the optimization of the randomly detectors of V-Detectors algorithm with CSDE is proficient and suitable for anomaly detection tasks

Critical review of the e-loyalty literature: a purchase-centred framework

Over the last few years, the concept of online loyalty has been examined extensively in the literature, and it remains a topic of constant inquiry for both academics and marketing managers. The tremendous development of the Internet for both marketing and e-commerce settings, in conjunction with the growing desire of consumers to purchase online, has promoted two main outcomes: (a) increasing numbers of Business-to-Customer companies running businesses online and (b) the development of a variety of different e-loyalty research models. However, current research lacks a systematic review of the literature that provides a general conceptual framework on e-loyalty, which would help managers to understand their customers better, to take advantage of industry-related factors, and to improve their service quality. The present study is an attempt to critically synthesize results from multiple empirical studies on e-loyalty. Our findings illustrate that 62 instruments for measuring e-loyalty are currently in use, influenced predominantly by Zeithaml et al. (J Marketing. 1996;60(2):31-46) and Oliver (1997; Satisfaction: a behavioral perspective on the consumer. New York: McGraw Hill). Additionally, we propose a new general conceptual framework, which leads to antecedents dividing e-loyalty on the basis of the action of purchase into pre-purchase, during-purchase and after-purchase factors. To conclude, a number of managerial implementations are suggested in order to help marketing managers increase their customers’ e-loyalty by making crucial changes in each purchase stage

DEVELOPING AND VALIDATING A QUALITY ASSESSMENT SCALE FOR WEB PORTALS

The Web portals business model has spread rapidly over the last few years. Despite this, there have been very few scholarly findings about which services and characteristics make a Web site a portal and which dimensions determine the customers’ evaluation of the portal’s quality. Taking the example of financial portals, the authors develop a theoretical framework of the Web portal quality construct by determining the number and nature of corresponding dimensions, which are: security and trust, basic services quality, cross-buying services quality, added values, transaction support and relationship quality. To measure the six portal quality dimensions, multi item measurement scales are developed and validated.Construct Validation, Customer Retention, E-Banking, E- Loyalty, Service Quality, Web Portals

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

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)