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)

Open Knowledge Resources for Higher Education: Scholarly Publications, Course Materials, Academic Software

This paper will explain why electronic knowledge resources in academia cannot only be regarded as private commodities, but also as public goods. After sketching a concept of public goods for a postnational, global society, three types of electronic knowledge resources are distinguished: scholarly publications, course materials and academic software. With the help of practical examples, similarities between these resources are developed. Finally, it will be explained what advantages the status of public good for knowledge resources would have and how it could be achieved by the academic community

E-business in Indonesia: It still has a prospect?

This study is aimed to investigate the current state of e-business in Indonesia and to discuss its prospect. An Internet research method is adopted to search and collect various data from online sources and to analyze e-business websites. The framework of investigation covers three parties: Internet users, government supports, and e-business firms. The findings reveal the mixed pictures. The number of Internet users is quite big but the national average penetration is still low. In terms of government supports in providing ICT infrastructure and regulation, Indonesia is still behind of many countries. However, there is a promising progress recently in this industry such as the emerging payment gateway companies to support electronic transactions, the investment of big global e-commerce firms, and the establishment of e-commerce association. Academics could use the finding as a preliminary outlook to more focused research topics. Investors could use it also as a preliminary thought to invest in this industry

Determinants for a generic mobile commerce transformation framework

Current technological advancement has given the necessary impetus for businesses to transform from traditional ways into to mobile business or m-businesses. This transformation has begun from the Internet era, where traditional businesses transformed to e-businesses by taking advantages of the facilities offered by the Internet. Recent development in wireless technology facilitated businesses to move further to m-businesses. Despite the development in the technical domain, it appears that businesses still struggle to comprehend the processes involved in the transformation because a proper framework is yet to evolve. This work-in-progress paper provides a background to such transformation with a method to achieve this transformation

The Campus Debit Card Trap: Are Bank Partnerships Fair to Students?

Examines partnerships between colleges and financial firms on campus ID, prepaid, debit, and financial aid disbursement cards and questions about fees, aggressive marketing strategies, and consumer protection. Lists best practices and recommendations

After the hype: e-commerce payments grow up

On June 18, 2003, the Payment Cards Center of the Federal Reserve Bank of Philadelphia and the Electronic Commerce Payments Council (eCPC) of the Electronic Funds Transfer Association co-hosted a workshop forum to explore areas of mutual interest related to the proliferation of e-commerce payments. This was the second event jointly sponsored by the groups. ; The first forum, “The Future of e-Commerce Payments,” which was held in June 2002, focused on the possibilities ahead, as various electronic payment channels displace paper checks as a primary payment form. The more recent forum, “After the Hype: e-Commerce Payments Grow Up,” continued the dialog, emphasizing recent economic and marketplace realities that impact ecommerce payments innovation, acceptance, and maturation. ; Participants and speakers included Federal Reserve staff and industry leaders.Electronic commerce

The Campus Credit Card Trap: A Survey of College Students and Credit Card Marketing

Based on in-person surveys at forty colleges and universities, analyzes how students pay for their education, how many use credit cards and in what way, and what their attitudes are toward on-campus credit card marketing and toward efforts to limit it