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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
Development of E-banking channels and market share in developing countries
There is fierce global competition within the banking industry. Therefore, banks endeavor to grow and strive to increase their market share. We analyzed the effect of developing innovative channels of presenting bank services on banks' market share. The statistical population of this research was Shahr bank's central headquarter and its branches in Tehran, Iran. We developed questionnaires for gathering the data. The validity and reliability of the scales were tested by EFA, CFA, experts' opinion, and Cronbach's alpha. We used linear regression to assess the impact of innovative channels, including internet banking, automatic teller machines (ATMs), mobile banking, telephone banking (TB), and point of sales (POS) on banks' market share. The results indicated that some of these channels, including internet banking, POS, and TB, positively affect a bank's market share. The effect of two other platforms, including mobile banking and ATM development, on banks' market share was rejected. The findings of this study expand our understanding of how bank managers can improve their market share by developing innovative e-banking channels.
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
Gen Z Banks on Digital
Alex Carriles, executive vice president and chief digital officer at Simmons Bank of Pine Bluff, said that Gen Z has raised the bar to a \"considerably higher level\" on what banks need to do to attract and retain them as customers. According to a 2025 MarketWatch survey, 56% of Americans access their accounts through their phones, with younger generations leading this trend. According to a 2024 report from the Federal Reserve, the number of mobile transactions reached 7.9 billion in 2022, up from 800 million in 2018. According to the MarketWatch survey, only 13% of Americans say they never visit a physical bank, though 47% visit just a few times a year or less.
Journal Article
The UTAUT Model in the Adoption of E-Learning Technology: An Empirical Study Using China's Banking Industry
To provide strategies for developing and optimising e-learning technology, this paper conducts research on the e-banking platform based on e-learning technology. Firstly, this paper points out the technical content of the electronic banking platform. Secondly, based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, empirical analysis is conducted on the influencing factors of user willingness to use electronic banking platforms, including the introduction, construction, hypothesis formulation, selection of indicator variables, and questionnaire design. Finally, the results of empirical analysis are explored. The result shows that: (1) The Cronbach's α values of the sub-scales of the questionnaire designed are all greater than 0.7, and the load of different factors in each dimension of the scale is more significant than 0.5. (2) Perceived risk has the highest average among all influencing factors, with a value of 4.13. (3) AMOS (Analysis of Moment Structure) 21.0 was calculated using a standardized path coefficient similar to the model.
Journal Article
Consumer Financial Literacy and the Impact of Online Banking on the Financial Behavior of Lower-Income Bank Customers
This article analyzes a demonstration program mounted by a major bank to understand whether access to information and communications technologies, combined with financial literacy training and training on how to use the Internet, can help low- and moderate-income individuals in inner-city neighborhoods be more effective financial actors. While quantitative analysis turns up few significant program effects, qualitative work implies that implementation issues likely compromised the effectiveness of the program. There was evidence of a potential link between information and communications technologies and financial literacy. Overall, urban low- and moderate-income individuals are interested in becoming technologically and financially literate and an intensive intervention may enable these goals.
Journal Article
Measuring the Emotional Dimensions of Retail Banking Experience in Non-Metro Cities
Customers' experience and evaluate the bank's services with respect to its corporate image, which is an expression of their emotions for the bank brand. The purpose of this research is to examine the emotional dimensions of retail banking experience. Survey methodology was used to collect data. Principal Component Factor Analysis technique was applied to ascertain the emotional dimensions as Customer Orientation, Product management, Employee Empowerment, Customer delight, Physical Facilities and Internet Banking. The results are tested for reliability and validity. Further, anova analysis is applied to measure the influence of age, gender and qualification on these emotional dimensions. The research contributes to the knowledge of customer experience by examining how the retail banking experience and its emotional dimensions are conceptualized and managed by practitioners.
Journal Article