scholarly journals Evaluation on the Internet Financial Innovation Ability of Chinese Commercial Banks—Based on the Analysis of CCB

Finance ◽  
2017 ◽  
Vol 07 (03) ◽  
pp. 152-165
Author(s):  
加丽 普
Keyword(s):  
Commercial Banks ◽  
Financial Innovation ◽  
The Internet ◽  
Innovation Ability

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

Statistical and bibliometric analysis of financial innovation

2019 ◽  
Vol 38 (2) ◽  
pp. 308-319
Author(s):  
Ting-Hsuan Chen ◽  
Jin-Lung Peng
Keyword(s):  
Commercial Banks ◽  
Policy Making ◽  
Design Methodology ◽  
Liquidity Risk ◽  
Financial Innovation ◽  
Bank Performance ◽  
Content Type ◽  
Financial Innovations ◽  
Financial News ◽  
Financial Technology

Purpose The purpose of this paper is to review and analyze the characteristics of the literature related to financial innovation, because financial technology (fintech) has been appropriately applied in academic circles as well as in the policy-making arena. The authors further estimate the implications of financial innovations for bank performance and liquidity risk. Design/methodology/approach The authors use a sample of commercial banks operating in Taiwan over the period 2010–2017 and utilize three proxies for financial innovation including R&D expenditures, financial patents (i.e. innovation applications) and financial news such as that concerning fintech (i.e. innovation intentions). Findings The effects of financial innovation on bank performance are mixed, with too much of R&D expenditures having the worst bank performance, whereas innovation intentions benefit their performance. The paper concludes that financial innovation does increase banks’ liquidity risk, thus supporting the innovation-fragility hypothesis. Originality/value It is an important issue in academic circles as well as in the policy-making arena to ensure that financial innovation has been appropriately applied.

scholarly journals LEGAL PROTECTION FOR USERS OF INTERNET BANKING CUSTOMERS FOLLOWING CHANGES IN INFORMATION AND ELECTRONIC TRANSACTIONS LAW

2019 ◽  
Vol 6 (1) ◽  
pp. 54
Author(s):  
Azharuddin Azharuddin
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Personal Data ◽  
Legal Protection ◽  
Internet Banking ◽  
The Internet ◽  
Electronic Information ◽  
Customer Data ◽  
Banking Service ◽  
Electronic Transactions

The presence of the Internet Banking service has offered a number of convenience and flexibility in conducting transactions, both between the bank and its customers, the bank and merchant, bank with the bank and the customer with the customer. However, this simplicity does not mean no risk. In addition to the Internet Banking service provides convenience, also in fact have some risks. The risk of a new character and is a challenge for practitioners and experts in the field of Internet Banking service to handle it, so it becomes important to discuss the legal efforts to protect customers' personal data in the operation of Internet Banking service after changes in legislation and elektronic information transaction. Forms of protection against customer data in Internet Banking in Indonesia are from several types of regulations that have regulated internet banking, namely Bank Indonesia Regulation Number 9/15 / PBI / 2007 concerning Application of Risk Management in the Use of Information Technology by Commercial Banks and Act No. 19 of 2016 concerning Amendments to Act No. 8 of 2011 concerning Electronic Information and Transactions along with the Financial Services Authority Act in the section on consumer protection

scholarly journals Effect of Technology Based Financial Innovations on Non-Interest Income of Commercial Banks in Kenya

2018 ◽  
Vol 14 (7) ◽  
pp. 337
Author(s):  
L’souza Boniface Alubisia ◽  
Wainaina Githii ◽  
Mirie Mwangi
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Financial Innovation ◽  
Mobile Banking ◽  
Financial Industry ◽  
Descriptive Research ◽  
Financial Innovations ◽  
Interest Income ◽  
Impact Of Technology ◽  
The Impact

Technology based financial innovation has had a great impact on the financial industry as a whole over the past few decades. It has presented the banking sector with an opportunity to increase the revenue base. This study intended to identify the impact of technology based financial innovation on non-interest income in Kenyan commercial banks. The study investigated how the adoption of ATMs and Cards, Internet and Mobile Banking and use of Funds Transfer Systems such as RTGS and EFT has impacted the non-interest income of commercial banks in Kenya. Descriptive research design was utilised. The study found that technology based financial innovation has significant effect on the non-interest income earned by commercial banks in Kenya. It recommends all stakeholders in commercial banks to take any investments made towards technology based financial innovation products as a strategy to improve non-interest income

scholarly journals Research on Cultivating Students' Innovative Ability in College Physical Education based on Knowledge Graph

2021 ◽  
Vol 14 ◽  
pp. 7-11
Author(s):  
Ping Luo
Keyword(s):  
Big Data ◽  
Physical Education ◽  
Teaching Methods ◽  
Modern Society ◽  
Knowledge Graph ◽  
The Internet ◽  
Learning Method ◽  
High Quality ◽  
New Learning ◽  
Innovation Ability

As a new learning method rooted in the Internet and big data, knowledge graph can exercise people's sensitivity and activity of thinking, and plays an important role in cultivating students' innovation ability. However, at present, there are few studies on the combination of knowledge graph and innovation ability. Therefore, this study chooses to combine knowledge graph with college physical education (P.E.) students' innovation ability to carry out research in the field of education. In college P.E., by analyzing the factors that restrict the cultivation of students' innovative ability, this paper puts forward some methods to cultivate students' innovative ability, such as changing educational concepts, innovating teaching contents and teaching methods, adjusting evaluation methods, and innovating teaching modes, to make students become high-quality talents with all-round physical and mental development and the needs of modern society. Therefore, it is necessary to continuously deepen the educational reform, so that students can continuously improve their interest in P.E. and their innovative ability can be stimulated to a greater extent.

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