Murad Muzafer Hamze | Soran University (original) (raw)
Papers by Murad Muzafer Hamze
Management and Economics Review, Jun 5, 2021
With advances in technology, financial institutions and their users needed to turn to the modern ... more With advances in technology, financial institutions and their users needed to turn to the modern style of banking which is called e-banking. It provides numerous profits for both organizations and individual customers in terms of the comfort, ease, and cost of transactions. The main purpose of this study is to investigate and identify key challenges facing consumers to utilize e-banking services. To accomplish the purpose and problem of the study, the researchers conducted a quantitative approach via an online survey among 62 respondents in Kurdistan Region Government (KRG) and the sampling was chosen randomly. The descriptive research approach has been used and the methodology of the study depends on both primary and secondary data. SPSS software and Microsoft Excel have been used to evaluate the collected data. The main results indicated that privacy and security issues have the most significant challenge that affects consumers while using e-banking services, about 21%, whereas knowledge issues have the least effect on them, about 3.2%. Moreover, the COVID-19 outbreak has hurt the e-banking system both in the Kurdistan Region and around the world since Chinese authorities first announced it in late 2019. If there was an effective online banking system in KRG, employees would have received their salaries without having any infections from others.
Middle European Scientific Bulletin, 2021
In Surkhandarya region, toponyms related to the ethnic composition of the population, including p... more In Surkhandarya region, toponyms related to the ethnic composition of the population, including place names in the names of people, tribes and clans, ethnonyms associated with human names, as well as place names with certain tribal names are briefly described.
The main objective of this study was to explore an analysis of advertisement, customer's purchasi... more The main objective of this study was to explore an analysis of advertisement, customer's purchasing performance and behaviors in Kurdistan Region. For this purpose, the quantitative approach was used through a questionnaire-based survey from 107 participants who were randomly selected in Kurdistan. The collected data were analyzed through SPSS software. The results revealed that, among personal, economic, cultural, social and psychological factors, personal factors have the most substantial impact on consumer's purchasing performance and behavior, which is about 37.4%, while, psychological ones have the least effect on them, which is about 10.3%. The results also indicated that Websites, Blogs and TVs have more power to encourage client's buying decisions relative to the other types of media. For further study, the qualitative method through interviews has been proposed.
Management and Economics Review, Jun 5, 2021
With advances in technology, financial institutions and their users needed to turn to the modern ... more With advances in technology, financial institutions and their users needed to turn to the modern style of banking which is called e-banking. It provides numerous profits for both organizations and individual customers in terms of the comfort, ease, and cost of transactions. The main purpose of this study is to investigate and identify key challenges facing consumers to utilize e-banking services. To accomplish the purpose and problem of the study, the researchers conducted a quantitative approach via an online survey among 62 respondents in Kurdistan Region Government (KRG) and the sampling was chosen randomly. The descriptive research approach has been used and the methodology of the study depends on both primary and secondary data. SPSS software and Microsoft Excel have been used to evaluate the collected data. The main results indicated that privacy and security issues have the most significant challenge that affects consumers while using e-banking services, about 21%, whereas knowledge issues have the least effect on them, about 3.2%. Moreover, the COVID-19 outbreak has hurt the e-banking system both in the Kurdistan Region and around the world since Chinese authorities first announced it in late 2019. If there was an effective online banking system in KRG, employees would have received their salaries without having any infections from others.
Middle European Scientific Bulletin, 2021
In Surkhandarya region, toponyms related to the ethnic composition of the population, including p... more In Surkhandarya region, toponyms related to the ethnic composition of the population, including place names in the names of people, tribes and clans, ethnonyms associated with human names, as well as place names with certain tribal names are briefly described.
The main objective of this study was to explore an analysis of advertisement, customer's purchasi... more The main objective of this study was to explore an analysis of advertisement, customer's purchasing performance and behaviors in Kurdistan Region. For this purpose, the quantitative approach was used through a questionnaire-based survey from 107 participants who were randomly selected in Kurdistan. The collected data were analyzed through SPSS software. The results revealed that, among personal, economic, cultural, social and psychological factors, personal factors have the most substantial impact on consumer's purchasing performance and behavior, which is about 37.4%, while, psychological ones have the least effect on them, which is about 10.3%. The results also indicated that Websites, Blogs and TVs have more power to encourage client's buying decisions relative to the other types of media. For further study, the qualitative method through interviews has been proposed.