Organizational & Customer Factors Influencing Adoption of Electronic Banking: Proposed Strategies for Egyptian Banking Sector

2014 ◽  
Author(s):  
Manal Aziz Rizk
Keyword(s):  
Banking Sector ◽  
Electronic Banking ◽  
Factors Influencing

scholarly journals The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya

2017 ◽  
Vol 8 (4) ◽  
pp. 167 ◽  
Author(s):  
Gift Kimonge Dzombo ◽  
James M. Kilika ◽  
James Maingi
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Exploratory Research ◽  
Electronic Banking ◽  
Economic Activities ◽  
Significance Level ◽  
Negative Effect ◽  
The Individual

The Banking sector acts as the life blood of modern trade and economic development. Commercial banks influence, facilitate and integrate the economic activities like resources mobilization, poverty elimination, production, and distribution of public finance. The financial performance of commercial banks has great implications in the financial sector and in the country at large, and will still remain an important subject of concern by all the stakeholders in the banking industry. In the last two decades, a lot of banking innovation has taken place in order to improve commercial banks financial performance. Branchless banking which involves the use of agency banking and electronic banking channels in the distribution of banking products and services is one such innovation. This study purpose was to evaluate the effect of branchless banking on the financial performance of commercial banks in Kenya. The specific objectives of the study were to analyze the individual effects of agency banking and electronic banking channels on the financial performance of commercial banks in Kenya and the combined effect of both agency and electronic banking on the financial performance of commercial banks in Kenya. The study adopted an exploratory research design. A survey of all the 42 licensed commercial banks in Kenya was done. Both primary and secondary data on branchless banking and financial performance of banks was obtained from the individual commercial banks, Central Bank of Kenya banking annual supervision reports respectively. Return on Assets (ROA) was used as the main indicator of commercial banks financial performance. The amount of investment in agency and electronic banking was used as indicator for agency and electronic banking. Data analysis was done using SPSS and STATA statistical softwares. Descriptive statistics, diagnostic tests and tests of hypothesis were done. Data was presented using tables and charts. Study findings indicated that when used in isolation; both agency and electronic banking had a significant negative effect on the financial performance of commercial banks at 5 percent significance level. However, when agency and electronic banking channels were used together as a multichannel strategy, they had a significant positive effect on bank’s financial performance at 5 percent significance level. The study recommends that for positive returns, commercial banks should invest in both agency and electronic banking as a multichannel strategy since these channels are complimentary to each other.

Factors influencing customers’ selection of Islamic home financing: a systematic review

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Norhazlina Ibrahim ◽  
Safeza Mohd Sapian
Keyword(s):  
Banking Sector ◽  
Data Extraction ◽  
Research Question ◽  
Past Research ◽  
Theoretical Development ◽  
Future Research ◽  
Reporting Standard ◽  
Content Type ◽  
Research Fields ◽  
Factors Influencing

Purpose This study, using systematic literature review (SLR) aims to highlight and summarise current studies on the factors influencing customers’ Islamic home financing (IHF) selection and Islamic banking product preference, which has gained popularity within the banking sector over the past three decades. The SLR could map evolution and research fields, recommend a particular categorisation and determine primary issues to demonstrate current trends, future research directions and theoretical development. Design/methodology/approach The SLR was performed with a four-step reporting standard for the systematic evidence syntheses review method (research question formulation, systematic searching, quality assessment and data extraction) using 33 screened articles between 2008 and 2020 from two primary databases (Scopus and Web of Science) and one supporting database (Google Scholar). Findings The resulting factors could be categorised into four primary themes: consumer behaviour, consumer attributes, bank attributes and bank attributes (Islamic). The themes were subsequently divided into 16 sub-themes. Notably, all the factors proved essential for consumers’ evolving preferences and product competitiveness in the market. Research limitations/implications This study encountered two limitations based on database selection and research period. Practical implications This SLR aimed to offer useful insights into the factors that should be prioritised by financial institutions for marketing approaches by investigating consumer behaviours. Originality/value This study pioneered an SLR on the study area for useful insights into the current research limitations and recommendations on future study directions. Specifically, the study method facilitated critical discussions and comparisons to past research outcomes and objectivity with triangulation from distinct perspectives.

CURRENT STATE OF ELECTRONIC BANKING SERVICES IN THE INTERNATIONAL TECHNOLOGY MARKET AND WAYS TO IMPROVE THEM

2020 ◽  
Vol 4 (11) ◽  
pp. 107-113
Author(s):  
Z. K. DZHAFAROVA ◽  
◽  
Z. ASADULAEVA ◽  
Keyword(s):  
Banking Sector ◽  
New Technologies ◽  
Electronic Banking ◽  
Banking Services ◽  
Current State ◽  
Technology Market

The article examines the features and changes of banking services in connection with the use of new technologies in the banking sector, with the transition to more convenient payment platforms, with the con-nection of electronic banking. The problems faced by banks are identified and ways to solve them are recom-mended.

Analytical evaluation of agile success factors influencing quality in banking sector

2019 ◽  
Vol 33 (3) ◽  
pp. 346
Author(s):  
Viral Gupta ◽  
Parmod Kumar Kapur ◽  
Deepak Kumar ◽  
Satya Prakash Singh
Keyword(s):  
Success Factors ◽  
Banking Sector ◽  
Analytical Evaluation ◽  
Factors Influencing

scholarly journals Legal framework challenges to e-banking in Tanzania

2019 ◽  
Vol 3 (2) ◽  
pp. 101-110
Author(s):  
Charles Ishengoma Kato
Keyword(s):  
Comparative Analysis ◽  
Best Practice ◽  
Banking Sector ◽  
Legal Framework ◽  
Electronic Banking ◽  
Content Type ◽  
Legal Challenges ◽  
The Usa ◽  
Information And Communication ◽  
International Instruments

Purpose This paper aims to examine the legal challenges to electronic banking and initiatives taken to address them in Tanzania. It is based on the results of a comparative analysis of policies and laws of other countries from which Tanzania can pick a leaf on how to deal with challenges brought by information and communication technology-induced innovations in the banking sector. Design/methodology/approach The study upon which this paper is based employed comparative analysis methods by analysing different policies and laws of Tanzania in line with attendant laws of other jurisdictions such as the USA, Malaysia, South Africa, Rwanda and Kenya and international instruments in a bid to establish the best practice pertaining to controlling and containing legal challenges brought by developments in electronic banking. Findings This paper confirms that, the prevailing laws guiding electronic banking in Tanzania do not adequately address the challenges the banks and customers face during electronic banking transactions. Thus, there is a need to amend the Tanzanian laws guiding this sector to put in place legislation capable of facilitating the development of electronic banking whilst addressing the associated challenges the users encounter. Originality/value This paper underscores the value of amending existing or enacting new laws in line with the development of technology/innovation to protect consumers in nascent electronic banking of the country. Moreover, it advocates for the development of innovation in banking sector should not be left to grow without amending/enacting laws that will promote its development and at the same time protect the users to avoid far-reaching and often unpleasant implications.

scholarly journals Investigating important factors influencing electronic banking for export development

2014 ◽  
Vol 4 (1) ◽  
pp. 123-126 ◽  
Author(s):  
Vahid Abbas Zadeh ◽  
Gholamreza Heydari Kord Zangeneh ◽  
Naser Azad
Keyword(s):  
Electronic Banking ◽  
Factors Influencing
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