The Journal of Internet Banking and Commerce最新文献

{"title":"E-banking Complexities and the Perpetual Effect on Customer Satisfaction in Rwandan Commercial Banking Industry: Gender as a Moderating Factor","authors":"Machogu Am, L. Okiko","doi":"10.4172/1204-5357.1000118","DOIUrl":"https://doi.org/10.4172/1204-5357.1000118","url":null,"abstract":"The marvelous kinds of innovation in technology and hard line blend of it with information technology has made a paradigm shift in the banking industry. Transformation from traditional, bricks-and-mortar banking to E-banking has been momentous. The major innovation in technology have been a major force in the radical transformation that has led to the geographical, legal and industrial barriers and has led to the creation of new products and services more so in the banking industry. E-banking can be traced back to as early as 1970s. The main two reason as to why banks began replacing some of their traditional branch functions include:- Firstly, the setup and maintenance of branches was very expensive because of the overhead expenses associated with them, and Secondly, E-banking products/services created a completive advantage for the banks that utilized them. E-banking is a composite of various or technologies, such as telephone (both landline and cell phones), direct bill payment i.e. (Electronic Funds Transfer (EFT)) and PC or Internet banking and mobile banking. The five main basic services associated with ebanking include: view of account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering checks. The objective of this study to evaluate the perceptual view of the male and female respondents on the e-banking complexities and how they affect the male and female customer’s satisfaction. The research evaluated the view of the respondents based on their demographic profile on the E-banking complexities and its effects on their satisfaction. This research was perceptual-tailored and relationship-oriented; identifying the underpinning e-banking complexities, and how they are influenced by the customer’s gender and its effect on customer satisfaction. The study used the descriptive and co relational research designs. The respondents sampled in this study were only users of the e-banking services. The Cronbach alpha reliability coefficient was 0.91. A data set to test the proposed model came from self-constructed, statistically validated and self-administered survey of a convenience sample of retail banking customers. A self structured questionnaire was distributed to 250 bank customers in various commercial banks that use e-banking services. The statistical result reveal that there exists a strong relationship between electronic banking complexities- Ease of Access/Accessibility, Inter-Phase Design, Cost/ Fees/Charges, E-Banking Equipment usage, Privacy/Risk/Authentication, and Customer Satisfaction, and customer satisfactions with the female respondents exemplifying higher satisfaction levels than their male counterparts. The male respondent’s seemingly portrayed having experienced e-banking complexities in the usage of e-banking, than female. On the individual dimensions of e-banking complexities on overall customer satisfaction indicates Accessibility/ Ease of access,","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130467176","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"An Analysis of Behavioral Intention to use Thai Internet Banking with Quality Management and Trust","authors":"Kanokkarn Snae Namahoot, T. Laohavichien","doi":"10.4172/1204-5357.1000119","DOIUrl":"https://doi.org/10.4172/1204-5357.1000119","url":null,"abstract":"This research explores the effects of quality management and trust towards behavioural intention of Thai consumers to use internet banking. It specifically investigates whether the quality management dimensions of information quality, system quality and service quality affect the level of trust of Thai consumers towards internet banking, and whether this trust correspondingly affect their intention to use the system. This study has been conducted in Thailand and focused on the users of internet banking system of various banks in the country. A total of 400 respondents were selected using simple random sampling. Multiple regression and correlations analysis were carried out to determine the effect between all of the independent variables and the dependent variable. The results showed that the system quality and service quality positively affect trust but information quality showed negative effect.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120950191","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Service Quality Dimensions and Customer Satisfaction with Online Services of Nigerian Banks","authors":"Okeke Tc, Ezeh Ga, U. Noa","doi":"10.4172/1204-5357.1000117","DOIUrl":"https://doi.org/10.4172/1204-5357.1000117","url":null,"abstract":"This study concerns the relationship between service quality dimensions and customer satisfaction with online/ebanking services of Nigerian banks. Seven service dimensions were included in the study and they are: reliability, assurance, responsiveness, perceived risk, tangibility, security, and price. The study was based on a sample 400 respondents out of which 258 responded to the questionnaire. The seven service quality variables and the dependent variable were all measured with a number of items each using seven-point Likert scale. The analysis was conducted with Multiple Linear Regression analysis (MLR) and the results show that five out of the seven variables: price, security, perceived risk, responsiveness and assurance are significant in enhancing customer satisfaction with online services of Nigerian banks. The other two variables: reliability and tangibility are not significant and require further exploration. The study provides necessary input for bank management to increase customers’ involvement through improving service quality; lowering risk; and enhancing security of operations. Policy implications were highlighted","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"115 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115025700","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Opportunities and Challenges of M-commerce Adoption in Bangladesh:An Empirical Study","authors":"M. M. Rahman, T. Sloan","doi":"10.4172/1204-5357.1000124","DOIUrl":"https://doi.org/10.4172/1204-5357.1000124","url":null,"abstract":"The objective of this research is to explore the opportunities and challenges of m-commerce adoption in Bangladesh. An empirical study is conducted to see the user’s perception on this issue. The country has experienced a sheer adoption of mobile phone, around 70%, one of the biggest advantages for m-commerce adoption. Findings indicate a positive trend of m-commerce uptake in Bangladesh. More than 60% of the survey participants used mobile internet although mobile broadband, the key feature for m-commerce, has not been available in the country until the time of the study. Adoption of mobile financial services is also promising; for example, 40.5% used mobile balance transfer. Users of mobile billing (28%), mobile ticketing (21%), mobile remittance (16%) and mobile banking or SMS banking (10%) are also growing. Network infrastructure has continually been upgraded with the advance technologies including the recent launch of 3G mobile network. Study found that the lack of trust and literacy are the two major challenges of m-commerce growth in Bangladesh. Stakeholders need to make strategic plans to deal with these challenges and opportunities for rapid uptake of m-commerce in Bangladesh.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"239 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130359609","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Metamorphosis of Banking Products - A Perception of Bank Employees","authors":"B. Harshita","doi":"10.4172/1204-5357.1000108","DOIUrl":"https://doi.org/10.4172/1204-5357.1000108","url":null,"abstract":"Banking products are undergoing major changes due to extensive use of it and changing demands of the customers in current scenario. This study basically focuses on the changes came into banking industry and its impact on customers base and bank profits. Data is collected from 50 employees of both private and public sector banks with the help of questionnaire. Hence we can conclude that all banks are providing almost similar products and services to satisfy their customers fully. The continous metamorphsis of banking products not only results in improvement of customer base but also has positive impact on the profits of the bank. Private sector banks are earning more profits as a result of metamorphosis of traditional banking products in comparison to public sector bank.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"85 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133488749","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Varying Impacts of Electronic Banking on the Banking Industry","authors":"S. Bakare","doi":"10.4172/1204-5357.1000111","DOIUrl":"https://doi.org/10.4172/1204-5357.1000111","url":null,"abstract":"The banking industry has undergone tremendous changes with the introduction of information technology (IT). Electronic banking (EB) is a new paradigm in banks’ product and service delivery. Electronic banking products and services have become increasingly popular in the past three decades as the banking industry operating in a complex and competitive environment has experienced the awareness to serve its customers electronically. Online banking has become the preferred way for many Americans to conduct financial activities. This paper explores a few published articles that reported on the impacts of electronic banking on the banking industry. The articles vary in their findings. Impacts on the banking industry from the points of view of consumers and bank employees were reported. This paper examines the study of few other articles to propose that more research be conducted utilizing a different research methodology such as qualitative method to fully understand how EB impacts the banking industry and address cyber crime threats.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"54 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128330912","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Effects of Beliefs and Concerns on User Attitudes toward Online Social Network Advertising and Their Ad Clicking Behavior","authors":"I. Mir","doi":"10.4172/1204-5357.1000116","DOIUrl":"https://doi.org/10.4172/1204-5357.1000116","url":null,"abstract":"Since last few years social network sites (SNSs) have rapidly grown in popularity and user acceptance globally. They have become the main place for social interaction, discussion and communication. Today, many businesses advertise their products on SNSs. The current study aims to assess the effects of SNSs consumers/users’ beliefs and concerns of social network advertising (SNA) on their attitudes toward SNA and SNS banner ad-clicking behavior. Data was collected from a sample of 397 university students of Pakistan. Results show the beliefs of SNA as informative and entertaining have positive effects on user attitudes toward SNA and their ad-clicking behavior. Similarly, user concern of SNA as irritating has negative effects on both their attitudes toward SNA and ad-clicking behavior. Good for economy is an important socioeconomic belief which affects user attitudes toward SNA positively. The overall results indicate that utilitarian and hedonic aspects of SNA make SNS banner ads effective.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"208 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128162305","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Impact of Customer Demographic Variables on the Adoption and Use of Internet Banking in Developing Economies","authors":"Ameme Bk","doi":"10.4172/1204-5357.1000114","DOIUrl":"https://doi.org/10.4172/1204-5357.1000114","url":null,"abstract":"Whilst most banks introduced internet banking services for the benefit of their customers, the adoption and use of the service had been very low. Strategies to increase the adoption and use of internet banking services eventually lead to the banks’ goal of maximizing profit. It is therefore essential for banks to understand the factors that affect the adoption of internet banking services. The purpose of this paper is to determine demographic factors that influence the adoption of internet banking services in a bid to improving the situation. Due to the limitations in accessing the population of developing economies, a sample of one bank was selected from a developing nation, Ghana. Ghana was strategically chosen due to the high internet penetration rate. Out of 506,203 customers of the chosen bank, only 32,337 customers who subscribed to the internet banking services were used for data analysis. 31, 886 representing 98.61% of internet banking customers were resident in Ghana whilst the remaining 451 representing 1.39% were non-residents, suggesting that the data for analysis represented the behavior of Ghanaians as citizens of developing economies, though the restriction to just one bank may limit the generalization of the findings. Chi-square techniques were employed in the study, using historical data of over eight years. The findings of the study revealed that demographic factors such as gender do not have significant effect on customers in adopting and using internet banking services. The study further concluded that there is a strong correlation between employment status, educational level and customer adoption and usage of internet banking services in Ghana. These findings will help banks to develop appropriate strategies in attracting and retaining their customers, through the design of specific marketing campaigns geared towards certain category of internet banking customers who are likely to adopt and use internet banking services.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121573232","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Evaluating Database Security and Cyber Attacks: A Relational Approach","authors":"B. A","doi":"10.4172/1204-5357.1000115","DOIUrl":"https://doi.org/10.4172/1204-5357.1000115","url":null,"abstract":"With a mounting number of enterprises become reliant on access to its data over the web, the need for ample security measures is becoming more and more significant. Security of the databases has become a multifarious concern for enterprises. More complex the database is additional security measures have to come into action. Huge internet penetration and enormous capability of computer networks have posed the security concerns of the enterprise databases more complicated for Database Specialists. Significant business information is an evident target for cyber criminals; therefore, ensuring the Confidentiality, Integrity and Authority of data are the major issues for business houses. In this paper, we survey the information system specialists of the banks to explore the facts and figures associated with information associated risks, and discuss the role of central data warehouse to deal with such risks. Further, it highlights on various cyber-attack methodologies and its correlation with data warehouse operations.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124832444","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Extent of Corporate Social Responsibility Engagement in Malaysian Banks Offering Islamic Banking Services","authors":"Sujana A","doi":"10.4172/1204-5357.1000113","DOIUrl":"https://doi.org/10.4172/1204-5357.1000113","url":null,"abstract":"This study explores the extent of corporate social responsibility (CSR) engagement in Malaysian banks offering Islamic banking services. A total of 16 banks (10 local banks and 6 foreign banks) offering Islamic banking services forms the sample for this research study. Only banks offering Islamic banking services and listed on the Kuala Lumpur Stock Exchange were selected for the purpose of this research. Banks websites and annual reports were studied to gather and analyse the data through content analysis. Results obtained indicated that the local and the foreign banks differed significantly in terms of their engagement in CSR-based activities, CSR reporting, CSR communication and CSR board structure. Evidently Malaysian banks offering Islamic banking services need to focus on embedding relevant alternative strategies in order to publicise widely about their engagement in CSR-based activities. This would further enhance the banks brand reputation and strengthen their internal and external communication strategies.","PeriodicalId":160461,"journal":{"name":"The Journal of Internet Banking and Commerce","volume":"65 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-08-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133799717","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}