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"ELECTRONIC BANKING"
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Effort expectancy and social influence factors as main determinants of performance expectancy using electronic banking
This study is aimed at determining the effect of expected effort and social influence factors on expected performance when using internet banking. The study adapts the constructs and definitions from the UTAUT model in the context of the adaptation of online banking technology. With regard to the nature of the variables analyzed, the following statistical tests and methods were used: calculation of average values using descriptive statistics; multiple linear regression analysis – to interpret associations between quantitative variables. Banks, as well as users of these banking services in the online environment, are the subject of research. The survey sample consists of 454 men and women and reflects the profile of online consumers across different countries of the European Union. The results of this study show the impact of the social influence construct on the respondents’ behavior when using electronic banking. The expected effort factor in the study significantly affects the expected performance factor, which can be characterized by original research, which showed that the effect of perceived ease of use on behavioral intent and use is incompatible with the degree of system complexity.
Journal Article
Examining the key drivers of electronic banking fraud prevalence in the South African banking sector
The paper examines the key drivers behind the rise of electronic banking (E-banking) fraud in South Africa, aiming to inform effective countermeasures. Grounded in the Fraud Triangle Theory (FTT) and existing literature, it explores four factors: opportunity, pressure, rationalisation, and technological advancement. Using a quantitative approach, the study surveyed 252 participants from South African banks through electronic and physical questionnaires, with data analysed via Partial Least Squares Structural Equation Modelling (PLS-SEM). Findings indicate that opportunity, pressure, and technological advancements significantly contribute to E-banking fraud, while rationalisation showed no notable impact. The paper's originality lies in its identification of these drivers and the strategic recommendations it offers to mitigate fraud. It stresses the urgency for South African banks to implement comprehensive fraud prevention measures that address these specific factors.
Journal Article
World Development Report 2016 : Digital Dividends
\"This Report aims to inspire and guide the researchers and practitioners who can help advance a new set of development approaches based on a fuller consideration of psychological and social influences.\" - p. 2
Book
Examining Factor Analysis Results of Customers' Experiences With the Banking Electronic Services (CEBES) Scale: Evidence From the Saudi Retail Banking Industry
This article examines the validity of a newly developed research instrument, the Customers' Experience of Banking e-Services (CEBES) scale. The study was conducted in Saudi Arabia during the COVID‐19 pandemic; it used both exploratory and confirmatory factor analysis to measure the original 75-item scale. A convenience sampling technique was used to select 555 electronic banking services customers. Exploratory factor analysis yielded a four-factor, 54-item scale, which was run with a cutoff point of .5 to ensure high proportional contribution of each scale item. The four factors were: reflections on bank processing of complaints; recovery of e-banking services; bank webpages; and perceived safety and confidentiality of information. The newly developed scale could be used to measure customers' experience of banking e-service and identify areas requiring improvement. Despite achieving an acceptable level of statistical strength, the 54-item CEBES requires further testing on other populations.
Journal Article
World Development Report 2016 : Digital Dividends
\"This Report aims to inspire and guide the researchers and practitioners who can help advance a new set of development approaches based on a fuller consideration of psychological and social influences.\" - p. 2
Book
Bank Profitability Indicators in the Context of Modern Technology: A Comparative Study (Commercial Banks, Islamic Banks)
Purpose: The aim of the current study is to identify profitability indicators in commercial banks in light of modern technology compared to Islamic banks. Method/design/approach: To achieve the study objectives, descriptive approach methods were followed, after-tax profitability indicators were used during 2018-2023 in which banking technology became widespread in specially in Islamic banks. Results and conclusion: The research uncovered variations in profitability metrics between commercial banks and Islamic banks from 2020 to 2022, with consistency observed in subsequent years. Based on these findings, the study delineates several recommendations. Research implications: In this study comparing the profitability measures of banks looking at Islamic banks in the context of technology it provides valuable insights, for making strategic decisions in banking sector and finance. The findings from this study can guide customized strategies to use progress for improved profitability and competitiveness, in both types of banking institutions. Originality/value: By exploring how these two distinct banking models navigate and leverage modern technology to enhance profitability, this study provides insights into the intersection of finance, technology, and banking practices. This fills a crucial gap in existing literature and offers valuable implications for practitioners, policymakers, and scholars seeking to understand and optimize banking strategies in the digital age.
Journal Article
Managing finances and shopping online
\"In this online world, it's easier than ever for young people to manage their money, stay within a budget, and grow their money with smart investments. The explosion of online shopping means that it's also become easier than ever to spend that money foolishly. This lively volume helps teens to navigate the world of finances and shopping online with explanations about banking, credit, mobile payment services, and how to comparison shop and check product reviews.\"-- Publisher marketing.
Book
On the determinants, gains and challenges of electronic banking adoption in Nigeria
PurposeThe purpose of this study is to examine the gains, challenges and determinants of electronic banking adoption in Nigeria.Design/methodology/approachThis paper applied the generalized structural equation modelling (GSEM) to a large sample of respondents surveyed from five of the six geopolitical zones of Nigeria to model the determinants of electronic banking. In addition to many other advantages, GSEM can be used as a likelihood function. As a result, this paper proposes GSEM as the most appropriate tool for modelling the socioeconomic determinant of electronic banking adoption.FindingsAbout three-quarter of respondents adopted at least a form of electronic banking. However, only a tenth of users used e-banking for purchase of goods or services, implying low electronic payment adoption. The low adoption of electronic payment was due to poor digital security infrastructure which made users vulnerable to widespread electronic frauds. The findings also show that the adoption of e-banking platforms or services was characterized by users' socioeconomic status. For example, the odds of adopting internet/mobile banking decreases with older users but increase with higher educational attainment and income, whereas the odds of adopting e-banking platforms such as short message service (SMS) and point of sale (POS) banking increases with older users and informally employed users respectively.Practical implicationsFor a sustainable cashless economy and financial inclusion in Nigeria, policy consolidation that provides safe e-banking services is necessary. Also, e-banking service providers should deliver specific contents and services that match the physical and economic characteristics of users.Originality/valueGeneralized structural equation modelling (GSEM) is a robust likelihood function method that combines the power of structural equation modelling with the generalized linear model. The application of GSEM to predict the likelihood of adopting a banking technology or Service has not been explored in electronic banking literature. Also, as a fast-growing economy with a heterogeneous population, Nigeria presents an interesting context to study the determinants of electronic banking.
Journal Article