RELATIONSHIP OF QUALITY OF MOBILE BANKING AND REPUTATION OF BANKS

Doktorski rad istražuje na koji se način može povezati sigurnost, dostupnost i jednostavnost korištenja mobilnog bankarstva sa percipiranom kvalitetom usluge mobilnog bankarstva banke te postoji li povezanost između percipirane kvalitete usluge mobilnog bankarstva i reputacije banaka. Primarni podaci istraživanja prikupljeni su uz pomoć anketnog upitnika. Hipoteze rada testirane su i potvrđene metodom višestrukih modela jednostavne i složene linearne regresije. Istraživanje omogućuje pogled u razvoj novih spoznaja bankarske industrije koji se temelje na ključnim odrednicama o poslovanju financijskog tržišta Republike Hrvatske. Sukladno navedenom definirane su karakteristike bankarskog tržišta i uloga tehnologije u financijskoj industriji Republike Hrvatske.The research provides a look at the development of new knowledge of the banking industry, which is based on key determinants of technology role in the financial market of the Republic of Croatia. The key aim is to explore and adequately argue the influence of mobile banking on the reputation of banks in the Republic of Croatia. The purpose of the research is to contribute to the definition of possible areas of implementation of information and communication technologies in mobile banking, which affect the reputation of banks and also to define the aspects of mobile banking (security, ease of use and availability of mobile banking services), which affect the reputation of banks to a large extent. The basic objectives of the research are to empirically establish the correlation between the perceived quality of mobile banking service and bank reputation, and also to empirically determine the way security, ease of use and availability of services affect the perceived quality of mobile banking services. Additional objectives, based on analyze of previous researches, are to identify and explain the key determinants of the quality of mobile banking and bank reputation, to highlight the importance of using advanced information technology in banking and to examine the awareness of Croatian citizens on the security of mobile banking services. The hypotheses have been tested by using multiple modeling methods of complex linear regression. In order to examine the hypothesis, the primary research was carried out using a structured survey questionnaire. The way of communicating with the respondents was via electronic mail. The results of the testing of hypothesis using regression models show that the hypotheses are confirmed. Based on the results of the research in accordance with the previously set objectives, recommendations can be offered for future activities related to the financial market technology strategies and increase of competitiveness

RELATIONSHIP OF QUALITY OF MOBILE BANKING AND REPUTATION OF BANKS

Doktorski rad istražuje na koji se način može povezati sigurnost, dostupnost i jednostavnost korištenja mobilnog bankarstva sa percipiranom kvalitetom usluge mobilnog bankarstva banke te postoji li povezanost između percipirane kvalitete usluge mobilnog bankarstva i reputacije banaka. Primarni podaci istraživanja prikupljeni su uz pomoć anketnog upitnika. Hipoteze rada testirane su i potvrđene metodom višestrukih modela jednostavne i složene linearne regresije. Istraživanje omogućuje pogled u razvoj novih spoznaja bankarske industrije koji se temelje na ključnim odrednicama o poslovanju financijskog tržišta Republike Hrvatske. Sukladno navedenom definirane su karakteristike bankarskog tržišta i uloga tehnologije u financijskoj industriji Republike Hrvatske.The research provides a look at the development of new knowledge of the banking industry, which is based on key determinants of technology role in the financial market of the Republic of Croatia. The key aim is to explore and adequately argue the influence of mobile banking on the reputation of banks in the Republic of Croatia. The purpose of the research is to contribute to the definition of possible areas of implementation of information and communication technologies in mobile banking, which affect the reputation of banks and also to define the aspects of mobile banking (security, ease of use and availability of mobile banking services), which affect the reputation of banks to a large extent. The basic objectives of the research are to empirically establish the correlation between the perceived quality of mobile banking service and bank reputation, and also to empirically determine the way security, ease of use and availability of services affect the perceived quality of mobile banking services. Additional objectives, based on analyze of previous researches, are to identify and explain the key determinants of the quality of mobile banking and bank reputation, to highlight the importance of using advanced information technology in banking and to examine the awareness of Croatian citizens on the security of mobile banking services. The hypotheses have been tested by using multiple modeling methods of complex linear regression. In order to examine the hypothesis, the primary research was carried out using a structured survey questionnaire. The way of communicating with the respondents was via electronic mail. The results of the testing of hypothesis using regression models show that the hypotheses are confirmed. Based on the results of the research in accordance with the previously set objectives, recommendations can be offered for future activities related to the financial market technology strategies and increase of competitiveness

RELATIONSHIP OF QUALITY OF MOBILE BANKING AND REPUTATION OF BANKS

Doktorski rad istražuje na koji se način može povezati sigurnost, dostupnost i jednostavnost korištenja mobilnog bankarstva sa percipiranom kvalitetom usluge mobilnog bankarstva banke te postoji li povezanost između percipirane kvalitete usluge mobilnog bankarstva i reputacije banaka. Primarni podaci istraživanja prikupljeni su uz pomoć anketnog upitnika. Hipoteze rada testirane su i potvrđene metodom višestrukih modela jednostavne i složene linearne regresije. Istraživanje omogućuje pogled u razvoj novih spoznaja bankarske industrije koji se temelje na ključnim odrednicama o poslovanju financijskog tržišta Republike Hrvatske. Sukladno navedenom definirane su karakteristike bankarskog tržišta i uloga tehnologije u financijskoj industriji Republike Hrvatske.The research provides a look at the development of new knowledge of the banking industry, which is based on key determinants of technology role in the financial market of the Republic of Croatia. The key aim is to explore and adequately argue the influence of mobile banking on the reputation of banks in the Republic of Croatia. The purpose of the research is to contribute to the definition of possible areas of implementation of information and communication technologies in mobile banking, which affect the reputation of banks and also to define the aspects of mobile banking (security, ease of use and availability of mobile banking services), which affect the reputation of banks to a large extent. The basic objectives of the research are to empirically establish the correlation between the perceived quality of mobile banking service and bank reputation, and also to empirically determine the way security, ease of use and availability of services affect the perceived quality of mobile banking services. Additional objectives, based on analyze of previous researches, are to identify and explain the key determinants of the quality of mobile banking and bank reputation, to highlight the importance of using advanced information technology in banking and to examine the awareness of Croatian citizens on the security of mobile banking services. The hypotheses have been tested by using multiple modeling methods of complex linear regression. In order to examine the hypothesis, the primary research was carried out using a structured survey questionnaire. The way of communicating with the respondents was via electronic mail. The results of the testing of hypothesis using regression models show that the hypotheses are confirmed. Based on the results of the research in accordance with the previously set objectives, recommendations can be offered for future activities related to the financial market technology strategies and increase of competitiveness

EFEKTIFITAS PENYELESAIAN KREDIT BERMASALAH DI BANK JATIM DENGAN PENJUALAN AGUNAN DI BAWAH TANGAN

The study entitled "Effectiveness of Troubled Credit Settlement at Bank Jatim with Sales of Collateral Under the Hand" aims to determine the effectiveness of the settlement of problem loans at Bank Jatim by selling collateral under the hand and to find out and analyze the supporting and inhibiting factors. The main issues to be investigated are, how is the effectiveness of the settlement of problem loans at Bank Jatim with the sale of collateral under the hand ?, and what are the supporting and inhibiting factors in the effectiveness of the settlement of problem loans at Bank Jatim with the sale of collateral under the hand ?. The research method used in this research is the Sociological Juridical method with interview, observation and literature study data collection techniques with explorative qualitative descriptive analysis methods. This research results, that the effectiveness of self-selling by the debtor as a way to pay off problem loans is very helpful to the banking sector. Because besides being cost effective it is also effective in time and helps maintain the reputation of banks in this case Bank Jatim. And the factors that accelerate or hinder the execution of the sale of collateral itself by the debtor are the good or bad intentions of the debtorhimsel

Large Retailers Financial Services

Over the last few years, large retailers offering financial services have considerably grown in the financial services sector. Retailers are increasing the wideness and complexity of their offer of financial services. Large retail companies provide financial services to their customers following different strategic ways. The provision of financial services in the retailers offer is implemented in several different ways related to the strategies, the structures and the degree of financial know-how of the large retailers involved.Large Retailers; Financial Services; Retailing; Supply Models; Global Competition

Analysis of Legal Protection for Debtors of Home Loan (KPR) at National Commercial Banks in Indonesia

Non-performing loan have become a major concern of bank management, including in home loan (KPR), because in addition to causing losses to banks and debtors, they also have an impact on the health and reputation of banks. Initial allegations of causes of KPR problems in addition to the ability of the debtor, fluctuations in income, also the debtor does not know the risk of credit agreements, so the credit agreement is suspected of being legally flawed. This study aims to determine the legal problems in the Credit Agreement, as well as the protection of KPR debtors, in resolving non-performing loans. Research objects of National Commercial Banks in Indonesia, especially banks in North Sulawesi. Conclusion, the legal basis of the Credit Agreement namely The Act No.10 of 1998 concerning Banking that credit is always based on a Credit Agreement between creditors and debtors as a form of binding on both parties, Article 1313 of the Civil Code and Article 1320 of the Civil Code. Legal protection against KPR debtors must be given by reinforcing the rules of the Law/ Government Regulation considering the position of debtors is weak when applying for credit, lack of information and understanding of credit risk at bank KPR. Keywords: home loans, credit agreements, non-performing loan, legal protection DOI: 10.7176/JLPG/82-0

Ethical Challenges and Financial Performance in the Nigerian Banking Sector

This study examines ethical challenges and financial performance in the Nigerian banking sector. In the presence of the acclaimed sound corporate governance by most banks which ought to promote good ethical practices, bank’s customers continue to express dissatisfactory banking services rendered, mostly observed in areas where unwarranted deductions (debits) are made to customer’s account without detailed explanations. Also, the degree to which most individual and corporate customers change their banking services due to loss of confidence, and the level of insider related credit granting have called for concern to examine some practices in this industry. Further, the dearth of research work in this particular area of interest has motivated this study. Percentage analysis, Descriptive statistics and Spearman ranked order of correlation (rho) using Statistical package for social sciences (SPSS 21.0) were used to analyze the responses from the various respondents. Findings from the empirical result indicates that insider related credits exhibit a significant positive relationship with financial performance in the Nigerian banking sector while unauthorized tampering with customers’ accounts revealed unexpected insignificant negative relationship with financial performance. It is therefore recommended that the Central Bank of Nigeria should instill tougher disciplinary measures against erring CEOs as this could go a long way to further mitigate the rising tide of unethical practices in the Nigerian banking sector. Keywords: Unethical practices, Insider credits, financial performance and unauthorized access to customers’ accounts

Reputation as a Key Resource for Market Success in the Banking Sector

Acknowledging the importance and role of corporate reputation as a unique intangible and specific organizational resource, in this paper, we analyze its role and importance for the market success of contemporary banks. Furthermore, the paper provides an overview of the existing research regarding bank reputation in the Republic of Croatia. As corporate social responsibility aspect of a business is one of the most widely studied aspects of corporate reputation, we investigate the corporate social responsibility practice of two major banks in Croatia. By using publicly available data, we analyse the internal and external dimensions of their CSR and their relation to a bank’s reputation. This work is licensed under a&nbsp;Creative Commons Attribution-NonCommercial 4.0 International License.</p