E-Banking Research Papers - Academia.edu (original) (raw)

- by
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- Economics, Monetary Economics, Banking, Economy

The financial sector plays an important role in the economy by providing the necessary funding to the various parties and offering important opportunities for the investment of funds, which reveals in the standard of living within societies. This latter is a key indicator for measuring the degree of competitiveness of economies. This research paper purposes to highlight the importance of reforming the financial sector within the competitiveness of the Algerian economy, which suffers from a clear decline in the levels of competitiveness due to a number of structural imbalances, which is contributed by a number of factors, most notably the weakness and fragility of the banking sector. The study concluded that there is a necessity to go fast towards reforming the financial sector in order to enhance the competitiveness of this economy.

- by khayreddine bouzerb
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- Finance, Economics, Financial Economics, E-Banking

Adopting electronic customer relationship management (e-CRM) in a country like Egypt, with over 80 million, needs clear understanding of the Egyptian users' characteristics, perception, and e-readiness. E-CRM provides various benefits to banks, employees and bank clients, and can serve a great number of users regardless of the bank's capacity and working hours. In order to better understand the e-CRM readiness in the Egyptian context, a structured questionnaire was devised to survey a sufficient number of bank employees; as the actual e-CRM users. The investigation was conducted in Alexandria, as the second main city in Egypt. Data collected was analysed statistically using SPSS. From the data analysis, supported by a review of literature, the researchers could better understand the problem, derive conclusions and make recommendations to e-CRM decision makers, which would help promote and enhance the e-CRM in Egypt.

The main objective of this research paper is to observe whether the selected Indian Banks are using Artificial Intelligence based technological application or not and if the banks are using AI based applications, then what are different the purposes for which they using them. This was pursued by conducting structured interview of branch heads of the selected 16 scheduled banks of Meerut (U.P.). The researcher with the help of a questionnaire inquired from the branch heads of selected banks and compared the responses with the desired state using GAP Analysis Worksheet. The study clearly suggests none of the banks selected by the researcher in his research except the new private sector banks use artificial intelligence based technological applications. The new private sector banks are also use artificial intelligence based technological applications for petty purposes. JEL CLASSIFICATION: M15 (IT Management)

This paper concentrate on how far commercial banks in Sri Lanka have been adapted to online banking facilities and its impact on brand loyalty among professional customers. The main research objective of the study is to identify the level of influence made by online banking facilities on brand loyalty of the professional customers in commercial banking sector. The findings revealed that perceived value and trustworthiness influence the brand loyalty among professional customers than the customer satisfaction on brand loyalty. This is in line with an empirical study supporting the notion that trust and other security beliefs influence consumers' intent to purchase goods over the internet and that perception of internet security influence potential purchasing behavior. Bank management can transform their branches with technology to serve their customers better. This could strengthen the bond with customers and make them more committed to continuing to use the online banking services.

- by Bimali Wijesundara
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- Brand Loyalty, E-Banking, Electronic Service Quality

Electronic banking services are provided by virtually all the Deposit Money Banks (DMBs) within Yenagoa metropolis, with the aim of decongesting the banking hall and providing a convenient and satisfactory services to customerss. Yet, bank customers experience delayed services, as the banking halls and ATM stands are always crowded. This study therefore, investigated the impact of e-banking service quality on customers satisfaction in Yenagoa
metropolis. Survey data was collected from 186 customer (respondent) of the 15 DMB, in the study area. Both correlation and regression analyses were used to analyze the data. Findings showed that customers are relatively satisfied with quality of e-banking services (accessibility, convenience, speed and security), but were dissatisfied with the fees/charges compared to quality of services provided by the banks. The result showed that accessibility, convenience, speed and security have significant positive impact on customers’ satisfaction. On the other hand, fees/charge has a significant inverse relationship with customers’ satisfaction. It is thus, recommended among others for DMBs, to reduce their fees/charges on e-banking services, this would lead to greater patronage of the e-banking services. This in turn will lead to decongestion of the banking halls and greater customers’ satisfaction.
Keywords: E-banking, Customers’ satisfaction, DMBs, Fees/Charges, Bayelsa State, Nigeria

Technology based self service banking (TBSSB) includes banking services that customers use independently without any interaction with the bank employees. Though banks have successfully launched TBSSB services (i.e. ATM Banking, Internet Banking, Tele Banking, Mobile Banking etc.), but their adoption among mature customers is still very low in India. In this study people above 50 years of age are considered mature. The purpose of this paper is to find the factors that affect the adoption or intention to adopt TBSSB by mature customers in India. For this purpose, various attributes affecting the adoption of TBSSB by mature customers have been explored. A survey has been used to collect primary data and 152 usable questionnaires were used for the purpose of analysis. Factor analysis procedure was employed to identify the underlying structure among the various explored attributes. This study will help bank managers in gaining insight of the critical attributes and factors affecting adoption of TBSSB, which in-turn will facilitate banks to redesign TBSSB services for mature customer as well as designing promotional activities to convince more and more mature customers to adopt TBSSB.

- by Rajiv Sindwani
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- Marketing, Service Quality, E-Banking, Electronic Banking

As per the recommendation of the Nachiket Mor committee submitted its final report on 7 th January 2014, for the purpose of Comprehensive Financial Services for Small Businesses and Low Income Households, the concept of payment banks came in the existence on 17 th July 2014. Subsequently in February 2015 RBI released the list of 41 applicants and out of which on 19 th

- by MANABHANJAN SAHU
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- E-Banking, Electronic Banking, Indian Banking Sector, Indian Banking

Development of information technology in the last few years, have brought about a lot of changes in almost all facets of life. In the banking industry, it has been in the form of banking services offered through an electronic channel. Electronic banking is the wave of the future, it has a lot of benefits which add value to customers' satisfaction in terms of better quality of service offerings and at the same time banks can gain more competitive advantage over other competitors. Despite this there are a lot of challenges that may hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. The purpose of this paper is to investigate and focus on the different opportunities and services of e-banking in Sudanese banking sector, and the challenges associated with it. Regardless, the different e-banking services found in Sudan but still there are a lot of challenges associated with its successful implementation. This paper followed the analytical/qualitative method to investigate such a problem. Both primary and secondary data were collected, and excel was used to analyze collected data.

- by Dr. Dina Ghandour
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- E-Banking

The main subject of the research study reported here is the use of Automated Teller Machines (ATMs) in Egypt. Our main concern will be social and cultural, although there will be some scope for technical perspectives. The research inquires into how decisions are made by decision makers in banks regarding ATMs and whether these decisions address customer needs and reflect customer understanding. A questionnaire has been used to survey customers, and semi-structured interviews are being used to explore decisions and opinions within the banks and with other interested parties. The data collected is qualitatively analysed to check on similarities and differences in main stakeholders' views. Some interesting differences are discovered.

- by Rasha Abd El-Aziz
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- Perception, E-Banking, Electronic Banking, Automatic Teller Machine

Now a day's due to the emerging world economy, e-commerce and e-business became increasingly a necessary component of business strategy and a powerful catalyst for economic growth. The integration of information and communications technology in business has revolutionized relationships within organizations and those between and among organizations and individuals. The new information technology for the financial services industry and in particular the further development of the banking industry is becoming an important factor. As well as according to health recommendations, one of the most effective ways to contain the current COVID-19 epidemic is to avoid personal contact. This means reducing the movement of people and increasing the time they spend at home as much as possible. In line with these indications, most banks in the affected countries have reduced the opening hours of their branches and they recommend their customers use online banking. At the same time, the adoption of e-banking provides a framework to assess the factors taken. With the emergence of the global economy, e-business has increasingly become a necessary component of business strategy and a powerful catalyst for economic growth. Online-banking has become popular because of its convenience and flexibility, and also transaction related benefits like speed, efficiency, accessibility, etc. It also provides easy transfer, faster operation, lower cost and time-saving. Results from this study indicate that a number of advantages to electronic banking is a service of the Azerbaijanian banking sector, at the same time, research shows that the banking sector in Azerbaijan submitted by customers regarding electronic banking do have enough information.

- by Anar Guliyev
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- Banking, E-Banking, Finance and banking
- by Ian Ndlovu
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- E-Banking, Commercial Banks, Bank Risks

E-Banking has emerged as a channel to provide banking services to customers electronically via banks’ websites. Although e-banking services have gained a lot of attention due to its enormous advantages, many consumers are still not willing to use them because of the risk involved in conducting transactions online, hidden charges, lack of trust and system failure. There is a plethora of research conducted on the positive utility gains attributable to e-banking adoption or usage but the measures of potential negative utility (perceived risk) have been ignored. In the present study, the diverse literature available worldwide on perceived risk factors in e-banking has been explored by using interpretative approach, viz. objectives, research methodology, sample, respondents and the results of the study for further enquiry. This study builds up a strong conceptual framework for the researchers by thoroughly analyzing the empirical studies on perceived risk in different countries. The current research adds value to the existing literature and also leads to discussion addressing further areas for open debate and research. Our approach has meaningful implications for managing risk in the e-banking sector. The banks should put more emphasis on implementing e-banking risk management practices in order to increase usage of e-banking services among consumers.

- by Publishing India Group
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- E-Banking

E-banking has a lot of benefits that add value to customer’s satisfaction in term of better service quality, and at the same time enable banks to gain a competitive advantage over other competitors. However, more attention towards e-banking security is required and needed against fraudulent behavior because the lack of control over security makes e-banking still un-trusted for many till today. This paper presents security issues related to e-banking along with the characteristics and challenges of e-banking fraud. Different types of attacks, some fraud detection strategies, and some prevention methods used by electronic banks, are also presented in this paper. An expert opinion method was used to rank different model and techniques in security. Results indicated that the most effective model is “Transaction Monitoring” and the worst models based on respondent’s opinions are “Virtual Keyboards”, “Browser Protection”, and “Device Identification”. The organization of this paper go in the following manner: section 1 will introduce the topic, followed by a literature review in section 2. Section 3 depicts the research methodology adopted and the data analysis process. Finally, conclusions and future work are stated at the end of the paper.

- by Swapnil Agrawal
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- Technolgy, E-Banking, Banking and Finance
- by Dr. Vijay M. Kumbhar
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- E-Banking

Biometrics-based authentication is a potential alternative to password-based authentication. Of all biometric methods, face-based identification is one of the most convenient one. In ATM systems, facial images are captured using a high resolution camera. Bank security measures can play an important role in preventing customer attacks. These measures are of paramount importance in addressing the weaknesses of civil lawsuits. Banks must meet the criteria to provide their customers with a secure banking environment. This paper focuses on the increased vulnerability and criminal activity of automated teller machines (ATMs), not the bank themselves. Both customers and bankers.

- by IJRASET Publication
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- Computer Science, Crime, Verification, E-Banking

Online banking and other e-banking modes are a very convenient way to banking in terms of speed, convenience and delivery costs, but they have brought many risks alongside them. Online banking has created a new risk orientation and even new forms of risk. Technology plays an important role as both a source and a tool for risk control. The purpose of this research is to identify the security situation of the e-banking application and to analyze the risks and attacks that could occur to the customers that, although it's an ebanking application attacks could happen. Several mitigations were mentioned to overcome attacks like, access control is to mitigate eavesdropping this means that, restricting access to sensitive data is mandatory. Another way to mitigate is, update and patch which is for SQL injection meaning, it's vital to apply patches and updates when it's available. These attacks may attack the whole application or target an individual where private information is stolen or changed. This research also shows how to apply several more different protections measures to protect oneself and organization from being targets of cybercrime.

Το e-banking αποτελεί καθημερινή πραγματικότητα για όσους το χρησιμοποιούν. Στη παρούσα εργασία προσπαθήσαμε να παρουσιάσουμε με τρόπο όσο γίνεται πιο επαρκή και ουσιαστικό τις προσφερόμενες υπηρεσίες και προϊόντα e-banking των δεκαέξι μεγαλύτερων τραπεζών που δραστηριοποιούνται τα τελευταία χρόνια στην Ελλάδα και έχουν αναπτύξει ιστοσελίδες e-Banking. Στο πρώτο μέρος της εργασίας ο αναγνώστης θα πληροφορηθεί για γενικά στοιχεία του e-Banking, όπως το τι είναι, ένα σύντομο ιστορικό εξέλιξής του, οι υπηρεσίες και τα προϊόντα που προσφέρει καθώς και όλα τα χαρακτηριστικά και συστήματα ασφαλείας που χρησιμοποιούν οι τράπεζες για να διασφαλίσουν τις συναλλαγές τους.

- by Nikolaos Georgitsopoulos
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- Accounting, Banking, Money and Banking, E-Banking

O mundo tem passado por uma grande transformação em quase todas as áreas de actividade com o desenvolvimento cada vez maior das tecnologias de informação, e de uma forma muito particular nas actividades bancária e comercial.
No caso de Moçambique, os sistemas bancário e comercial não ficaram à margem do processo de desenvolvimento, pelo que tiveram de introduzir novos meios e sistemas de pagamento na realização de suas operações.
Neste contexto, o presente trabalho pretende estudar a evolução dos meios de pagamento em Moçambique no período compreendido entre 1975 e 2014.

- by Xana Maunze
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- Mozambique, Money and Banking, Money, E-Banking

Penelitian ini memiliki tujuan untuk mengetahui pengaruh pelayanan digital Bank Syariah Mandiri terhadap kepuasan nasabah baik secara parsial, maupun secara simultan yang dilihat menggunakan dimensi E-Servqual yaitu Efficiency, reliability, fulfillment, privacy, responsiveness, compensation, contact). Namun, pada dimensi compensation tidak dapat digunakan karena belum ada pelaksanaannya pada perbankan di Indonesia. Data yang digunakan pada penelitian ini merupakan data primer yang didapat langsung dari jawaban
100 responden yang merupakan nasabah Bank Syariah Mandiri yang menggunakan fasilital layanan Elektronik Bank seperti ATM, BSM Net Banking, SMS Banking, dan Mobile Banking. Metode analisis yang digunakan adalah metode analisis regresi linier berganda. Berdasarkan hasil penelitian diketahui bahwa variabel Efficiency, fulfillment, dan contact memiliki pengaruh terhadap kepuasan nasabah dari nilai t hitung lebih besar daripada nilai t tabel 1,661. Variabel yang mendominasi terhadap pengaruh kepuasan nasabah adalah variabel Contact. Adapun Variabel privacy, dan responsiveness tidak memiliki pengaruh karna Thitung lebih kecil dari Ttabel. Sedangkan pada hasil uji simultan, keenam variabel secara bersama-sama memiliki pengaruh yang signikan terhadap kepuasan nasabah dengan Fhitung sebesar 29,139. Pada uji koefisien determinasi (R²), variasi variabel independen yang digunakan dalam model mampu menjelaskan sebesar 65,3% variasi variabel dependen. Sedangkan sisanya sebesar 34,7% dipengaruhi atau dijelaskan oleh variabel lain yang tidak dimasukkan dalam model penelitian ini.

- by te zawiyah
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- E-Banking, Kepuasan Nasabah Bank, Kuantitatif, Kualitas Pelayanan

Electronic banking and finance is the penetrating mechanism with a variety of services especially in the banking sector. Globalization and technological advancement like kiosks and internet brought many products and services like ATMs, Smart cards, Online Banking which is facilitating electronic payment, Plastic money services, Brokerages and foreign exchange transactions, which automatically leads to wide access of B2B and B2C business domains. The website technology has totally transformed the banking business. The success of Internet banking depends upon the well designed website of a bank. India has 155 scheduled banks with 99,218 ATM network (June-2012). SBI leads the pack with 22,469 ATMs followed by Axis Bank with 10,337 ATMs. In India E-Finance are governed by several acts like IT act-2000, Central bank guidelines on internet banking etc. Even it has many advantages; E-Finance in banking sector has associated with many risks like security risk, System architecture and design etc. So this paper discusses the impact of E-Finance on banking sector, its various products and services, diverse risk associated with electronic banking services and its solutions to tackle these challenges. The study is based on exploratory research mainly on qualitative analysis.

- by Edupedia Publications
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- Banking, E-Banking

Customer relationship and retention is the key to success for banks. One of the way to achieve
it, is through improvement in overall service quality of online banking. This paper have identified factors influencing overall service quality of online banking by survey of 400 online
banking users and have proposed a model. After that psychographic and demographic variables
are identified and classification is being done within respondents using cluster analysis and researcher get three clusters. Appropriate statistical techniques like k-means cluster, hierarchal
cluster analysis were used to classify the segment of respondents. The paper concludes that ebanking user are classified in three clusters and their behavior for each cluster is different. The behavior of cluster one is positive and they are accepting the changes, the behavior of cluster two is negative, they are not ready to accept the changes and the behavior of cluster three is mixture of both clusters.

- by ANIMESH BANKER
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- E-Banking, DIGITAL BANKING, Digital Banking Services (DBS)

Nowadays, there has been a revolution in banking. With the Government promoting the concept of Digital India, banking has shifted from the good old manual banking systems to digital banking and electronic banking. With the advent of ATM machines and cards, credit cards, kiosks, e-platform transactions the way customers and clients do banking has expanded and has become varied. And with such expansion and diversity and intersection of technology with banking, there are many challenges and legal issues faced in today's banking sector especially regarding retail services. Now we can avail of a loan with the click of a button from our computer or mobile.This paper aims to look at such challenges and issues in a very brief manner

- by Trishna Devi
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- Law, Banking, Business Law, E-Banking

Gone are the days when banks had stipulated working hours. Banking services were limited in number and to avail these services, customer had to visit the branch of the concerned bank. Traditional banking system had monopolistic characteristics. There were only government banks and then in the year 1969, there was nationalization of almost all major banks in India. There were around 13 private banks operating in India even prior to the year 1968. The major changes started emerging with the establishment of ICICI Bank Limited in private sector in 1994. There are 21 private banks and 12 public sector banks operating in our country, as on date, along with one state owned payments bank. This banking network provides a number of banking and financial services but then there are other financial institutions which are also engaged in providing n number of services to the customers. Computerization in banking industry set in early 90s and since then banking and financial services sector has envisaged complete digital revolution. Banking and financial services industry has under gone a metamorphosis since then. Technology in banking and financial services sector has totally changed the face of this industry. Technology has invaded in almost all operational procedures of banking and financial services industry may it be receiving a small request or delivering a specific service. Technology has entered into almost all the operational spheres of banking and financial services industry. Technology has also helped this industry to offer new services to its customers. It is not that technology has contributed positively only to this industry but it has disadvantages as well. In the following paragraphs, the role of technology in banking and financial services and advantages and disadvantages of technology in this sector are discussed.

- by Pallavi Singh Yadav
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- Information Technology, Economics, Technology, Economic Growth

Comparatively a little attention has been paid to the factors that obstruct the acceptance of Internet banking in Sri Lanka. This research assimilates constructs such as security and privacy, perceived trust, perceived risk, and website usability. To test the conceptual model, we collected 186 valid responses from customers who use Internet banking in Sri Lanka. The structural equation modelling technique is applied and hypotheses are validated. The findings show perceived trust and website usability are the possible obstructing factors that highly concerned by Internet banking customers. While security and privacy, and perceived risk are not significant and these are not highly concerned by customers in Internet banking acceptance. The age and gender reveal the moderating effect in each exogenous latent constructs relationship. The practical and managerial implications of the findings are also discussed. This country specific study contributes to the advancement of Internet banking acceptance, and offers some useful insights to researchers, practitioners and policy makers on how to enhance Internet banking acceptance for country similar in context.

This report describes the market position of ING in comparison with its competitors in the context of economic growth of the countries they operate. These countries are the Netherlands, Belgium, and Germany, where ING is more active and gains more money. Also, the report shows product differentiation of ING Group. The company mainly puts emphasis on innovative and digital products to create comfortable banking system for people, which increases brand loyalty for the firm. At the end, the main weaknesses of the company are mentioned, which are weak performance in insurance market and having significant market position in countries where economic growth is low.

- by Qurban Əliyev
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- Banking, Money and Banking, Belgium, E-Banking

The dramatic technological advancements has shaped the way e-banking services are delivered, where e-transactions has started to dominate the banking industry worldwide. Although literature is rich with investigations on e-banking, most of these studies have been conducted in developed countries, with very few tackling the security behaviour (SB) of users in developing countries. Accordingly, this study aims to investigate E-banking transactions SB of bank clients in Egypt. The study proposes a model which identifies Social Standards, Technical Factors, Trust and Convenience together with user demographics as antecedents to SB. Experience of e-banking usage has also been introduced as a moderator for the research model. Questionnaires were designed and randomly distributed over 700 bank clients, where 478 valid were returned. Data was statistically analysed using SPSS to compute the convergent validity and reliability, descriptive statistics, regression analysis; and the Structural Equation Modeling (SEM) was also used. Data analysis revealed very interesting results. Descriptive analysis implied that users highly trust and feel convenience towards having other people handle their ebanking transactions using their personal own cards and data. Applying Regression Analysis and SEM, showed a significant positive impact of Social Standards (SS) and Technical Factors (TF), while there is a significant negative impact of Trust and Convenience on SB. Trust was also found to be the most important variable for SB, followed by Convenience, then TF, and finally SS the least important. Regarding demographics, only income was found to have a significant impact SB, while other demographic variables were insignificant. However, Experience was found to have a significant impact on SB, and to play a significant moderation role between each of SS,

- by Rasha Abd El-Aziz
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- Banking, Developing Countries, Computer Security, Developing Country

Tap, click and swipe-these are the new sounds of money. Modern technology is fast replacing paper with computer files, bank tellers with automated teller machines (ATMs) and file cabinets with server racks , and banks too have come a long way from the old days of manually recording transactions in registers and tallying them up at the end of the day. Now, customer can do multiple things from the comforts of home or office with e-Banking - a one stop solution for all banking needs. This study aims to present the factors which are critical for the success of e-banking in India. The top three factors critical for success of e-banking included: cost and promotion; security and privacy; ease of use. Apart from these banks need to pay attention towards enhancing of its services and developing simpler websites with useful content.

- by Megha Singh
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- E-Banking

This research aims to examine the extent of customer satisfaction with electronic banking (e-banking) services in the Saudi banking sector and to address issues with quality of services by focusing on the following: (i) ease of use; (ii) information security and reliability and its role in influencing customer adoption of electronic services; (iii) the mechanisms of monitoring and control over these services. The research employed analytic and descriptive methodology, collecting primary data through a survey. It examined various aspects of electronic services provided by banks in Saudi Arabia to shed more light on these services and customer expectations, while also taking into account modern studies in this field as secondary data. The results show that Saudi banks have succeeded in attaining significant customer satisfaction by improving their electronic services, facilitating electronic transactions, improving processing performance and enhancing the specifications of electronic services. In addition, they have achieved effective communication with their customers as well as the speed of applications. However, there is an absence of awareness and guidance for customers about the e-banking system. The results of this research lead to some recommendations for improving the electronic services provided by banks in Saudi Arabia to enhance customer satisfaction.

- by hani haliq and +1
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- Information Technology, Information Security, Adoption, Saudi Arabia
- by Janie Low
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- Information Systems, Information Technology, Customer Satisfaction, E-Banking

This paper will mainly focus on the electronic fund transfers which can be seen as a developing phase of the banking sector in India. Electronic fund transfers are a kind of alternative method for payment for goods and services and even allows large amount of transactions through EFTs. It can be referred to as bunch of technologies working together for making huge transactions by a safer and faster means without the necessity of having a paper tool of exchange. The basic sections that will be covered in this paper are emergence of electronic fund transfers and its historical origin, modes of electronic banking and kinds of electronic payment. The main part of the paper will be revolving around the privacy and confidentiality issues faced by users while doing electronic fund transfer. Usually transactions where currency is the means of payment, there can be a certain level of anonymity expected but certain details are still required to complete the respective transactions. As per the Electronic Funds Transfer Act of 1978 the EFT terminals and bank statements of EFT banks disclose certain information like date, time etc. In other words, the paper will concentrate on these privacy concerns and how they can be manipulated by the banking institutions while users are making transactions. The author will further advice some suggestions for improving the privacy concerns of EFT systems.

- by Rhea Banerjee
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- Privacy and data protection, E-Banking, Confidentialty, Electronic Fund Transfer

E-Banking i.e. electronic banking becomes very popular with the introduction of Information technology. The government of India has enacted the IT Act 2000 with effect from October17, 2000 which provided legal recognition to electronic transaction and other means of E-commerce the Reserve Bank of India is monitoring and reviewing the legal and other requirements of E-Banking on a continuous bases to ensure that E-banking would develop on sound lines and E-Banking related challenges would not pose a threat to financial stability. The present research is descriptive is nature and study the challenges and issues faced by the banking sector in India.

- by Dr. Virender Kaushal
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- E-Banking

The research has been conducted with purpose to identify the satisfaction of the user of e-banking services of Nationalized banks. For the purpose of research the data has been collected from 100 customer of nationalized banks and Z test has bee applied. It can be concluded that the users of e banking services are satisfied with the services offered by the nationalized banks. "The success of the economic reforms is therefore all to see and the driving force of these reforms is the banking sector".

- by Adel M Aladwani
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- E-Business, Internet Banking, E-Banking, Electronic Banking
- by sara massacci
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- Bank Management, Banking, Money and Banking, Banking Law

- by Anar Quliyev
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- E-Banking, Online Banking, Banking and Finance
- by Mercy Ogbeta
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- Sustainable Development, E-Banking, E-Payment
- by Narasimha Prakash
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- CSR Reporting in Banking Sector, Money and Banking, Banking Law, Mobile Banking

As the user experience is an important prerequisite for the success of e-banking applications, the main subject of the research study reported here is the use of Automated Teller Machine (ATM) in Egypt. Data was collected using an unstructured interview with a senior staff member in HSBC Egypt. Data was then analyzed using process modelling. In this paper, we will develop an initial process architecture diagram but will not go on to depict the internal structure of individual processes. Some ATM problems in Egypt were discovered, which enabled the researchers to make recommendations to ATM decision makers in Egypt on ATMs.

- by Rasha Abd El-Aziz
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- Business Process Management, Banking, Design Process (Architecture), E-Banking
- by Mohammad Anisur Rahman
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- E-Banking, Metaanalysis, Porters Five Forces

This paper aims to interrogate existing FinTech regulations in Nigeria, extract the challenges of the budding industry and illuminate on prospects with the underlying aim of proffering sublime, practical recommendations towards the optimal harnessing of immense potentials inherent in the industry, currently left untapped as a result of sparse and disharmonized regulations.

- by Nwodo Kelechi
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- Finance, Regulation, Financial Inclusion, Financial Regulation

Internet banking is a form of self service technology. The numbers of Internet users have increased dramatically, but most of them are reluctant to provide sensitive personal information to websites because they do not trust e-commerce security. This paper investigates the factors influencing of e-services on senior citizens buying behaviour and also indicates level of concern regarding security and privacy issues in Indian context. Primary data was collected from 200 respondents, above the age of 60, through a structured questionnaire. were used to know trend of internet use and factors affecting e-banking services among senior citizen customer in Bangalore, India. The finding depicts many factors like security & privacy, trust, innovativeness, familiarity, awareness level increase the acceptance of e-banking services among Indian customers. The finding shows that in spite of their security and privacy concern, senior citizen customers are willing to adopt online banking if banks provide him necessary guidance. Based on the results of current study, Bank's managers would segment the market on the basis of age group and take their opinion and will provide them necessary guidance regarding use of online banking.

- by IERJ Journal
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- Security and Privacy, E-Banking, Senior Citizens, BUYING BEHAVIOUR

This study aimed to investigate E-banking service quality effects over customer satisfaction, by concerning the moderating role of these customers’ trust. Moreover, this research aims to measure the level of overall customer satisfaction and to know which one of the five SERVIQUAL dimensions has the greatest impact on customer satisfaction.
Quantitative research method was used to attain research goals. 500 questionnaires distributed randomly for E-banking customers in all Arab Bank branches in Amman City with the aim of collecting at least the needed number of respondents. 300 questionnaires have been received and analyzed using SPSS software.
Research result shows a strong positive relationship between E-banking services and customer satisfaction. Moreover, the results indicated that costumers are satisfied with insurance, empathy, reliability, tangibles and responsiveness in Arab bank. Finally, research findings admitted that customer trust mediates the relationship between E-banking Services Quality and customer satisfaction.

- by Asaad Ali Karam and +2
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- E-Banking, Costumer Statisfiction