Security, Perception, and Practices: Challenges Facing Adoption of Online Banking in Pakistan

Online banking is a contemporary mode and a technological channel to facilitate the emerging demands of customers today. Increase in number of customers for online banking as a matter fact is related to customer’s awareness in a geographical space. Many customers today are adopting online banking through internet for their financial transactions especially in the current COVID-19 pandemic situation, however, due to lack of awareness, expertise and connectivity resources, a majority of prospect customers still have not adopted this new mode of transaction in Pakistan. The main objective of this study is to know the customers’ perception regarding the usage of online banking in Karachi Pakistan. Most of the researchers so far have suggested that mostly the customers are unaware about online banking services and the reason, moreover due to lack of trust among customers on online banking services, customers are reluctant to adopt this medium for the financial transactions. This research project thus examines the customer’s trust, perception, problems related to online banking and suggests about online banking concerns especially in the context of Pakistan. This study explains that mostly customers prefer online banking services over branch banking due to its reliability, convenience, safety, speed and security, user-friendliness, and error less system. The findings of this study will provide the banks the answer to the questions that how they can provide online banking better services and what are the major issues that should be reduces in society to satisfy customers in a better way, so that they can compete their competitors in the industry and overall increase the number of online banking customers.

Bullying at Workplace affecting Motivation and Organizational Citizenship Behavior of Branch Banking Staff in Major Cities of Pakistan

Banking Sector has been considered as one of the top career priority choices of University Graduates in Pakistan over the past decades. But since the Bank’s got privatized branch banking has mainly observed as one of the most hatred areas of deployment for any employee. The objective of this investigation was to analyze that Bullying affects motivation and employees consider it as part of the routine and stays motivated and committed to their organization, which is possible because of several reasons in which one could be fewer job opportunities and financial issues. Results of this investigation will help the Banks management for decision making in order to improve their working culture and will also trigger future researchers to further investigate these findings. We took Branch Banking Staff from all banks across Pakistan as a population and could manage a sample size of 271 (validated as 248) from different cities and brands of Banks under the snowball sampling technique by using cross sectional research design. Data was collected through structured questionnaires via google forms with help of social media forums. Data Analysis was conducted through SPSS and in initial analysis, we didn’t find any symptoms of multicollinearity in our data therefore the linear relationship between Motivation (IV) and OCB (DV) was found. Further Pearson correlation reflected a significant and positive relationship between motivation and ocb. 71% variation was explained through the regression model of motivation and ocb with positive relationship, whereas Moderation of Bullying was proved with 35% variation explained.

Role of financial inclusion in poverty alleviation in Odisha

Objectives: This study dwells on the role of financial inclusion in poverty alleviation. The alleviation of poverty is implemented by combining direct tools and indirect tools. Traditional solutions have not been as effective and sufficient to tackle poverty. Indirect tools include improving access to credit, promoting savings to the poor. Methods/Statistical analysis: We use district level branch banking and development indicators data for 30 districts of Odisha during the discrete period 1992 to 2011, since official poverty data for district levels are not released. Findings: When controlled for PDDP, number of bank branches plays a significant role to reduce poverty. We find that an increase of Rs. 10,000/- in PDDP can cause a fall in poverty by 4%, an increase of 10% in Rice Yield can cause fall in poverty by 1.5%, whereas, an additional 100 number of bank branches can reduce poverty by 4.7% in the districts. Application/Improvements: The results of this analysis could go further to achieve the millennium development goals in few years. Novelty: We find the relative ranking of the coefficients of real sector and finance sector variables, that when controlled for other variables, e.g., Rice Yield, No. of Branches and PDDP to negatively impact poverty rates. Keywords: inclusion; poverty alleviation; banking; NDDP; branches

Russian banking associations as subjects of institutional changes

Market economy, as evidenced by historical practice, inevitably leads to the unification of entrepreneurs in public organizations. In modern Russia, the formation of such structures began in the late 1980s.at that time, regional, sectoral and national associations were established. The oldest business unions were branch banking organizations, which United in their ranks banks and structures related to the banking business of the country. Bank associations are lobbying associations designed to form, formulate and communicate to the authorities the wishes of the organized banking community. There are various relations between the current state bodies and associations, which, as a rule, are not widely publicized, but which largely determine the state of the modern Russian economy, the nature and direction of the economic policy and strategy of the state. In addition to significant lobbying efforts aimed at creating favorable conditions for banks, the unions solve the problem of unification and standardization of banks, replication of the most successful domestic and foreign practices. They have become the most important subject of institutional changes not only in the financial segment of the economy, but also in the economy as a whole. The purpose of the article is to identify the directions, mechanisms of influence and influence of banking associations on the financial and banking environment. It is written on the basis of open sources — the materials of the two largest banking unions of the country, as well as analytical materials on lobbying and the activities of business associations of the past and present.

Does the Customers' Use of Mobile Technologies Influence the Number of Both Recruitments and the Branches in the Banking Sector in Tunisia?

Digital determines new practices of companies and customers while touching all sectors of activity. Adaptation to the digital is imperative for banks. In this framework, this chapter explores the question of the influence of the use of mobile technologies by the customers on recruitment in the banking sector and on the number of the branch banking networks. Particularly, the authors seek to answer the following question: What are the effects of the use of mobile technologies by customers on recruitments and the number of branches in the banking sector in Tunisia? In order to answer this question, they analyze the annual reports of the last seven years published by Tunisia's Professional Association of Banks and Financial Institutions. Contrary to the findings observed in foreign countries concerning the reduction of the number of branches and recruitments following the digital transformation in the banking sector, in Tunisia the number of branches and recruitments has not stopped increasing.

Analisa Perkembangan Jumlah Outlet Kantor Cabang dan Kebutuhan Frontliners di Era Digital Banking (Studi kasus di Bank Syariah Anak Perusahaan dan UUS Bank BUMN di Yogyakarta)

ABSTRAKPenelitian ini bertujuan untuk menganalisa perkembangan jumlah outlet kantor cabang dan kebutuhan frontliners di Era Digital Banking(studi kasus di Bank Syariah Anak Perusahaan dan Unit Usaha Syariah Bank BUMN di Yogyakarta). Hasil penelitian menunjukkan selama tahun 2015 sampai tahun 2018 jumlah outlet Kantor bank syariah di Yogyakarta dan jumlah teller tidak menunjukkan perkembangan tetapi juga tidak ada pengurangan. Sedangkan customer service ada penambahan karena jumlah tenaga marketing bank yang bertambah. Kebutuhan industri perbankan untuk saat ini adalah tenaga pemasar, sedangkan frontliners selama 3 tahun belum ada penambahan kebutuhan tenaga kerja. Sehingga bagi dunia pendidikan bisa menyesuaikan kurikulum pendidikannya agar dapat menyesuaikan kebutuhan industri. Kata kunci : Digital Banking, Bank Syariah, Kantor Cabang Bank, Frontliners.Abstract The research aims to analyze the development of branch offices and the need of frontliner in the digital banking era (case study in subsidiary Syariah Bank and Businees Unit of Syariah Bank in Yogyakarta). The result of the research shows during the research the number of syariah bank outlets reaches the same. The research mentions a need for the position of customer service increases as it is in line with the increasing number of marketing staffs. Frontliner’s position still remains the same. Suggestion for those dealing with education field is to adjust its curriculum in order to balance with the need for industry. Key Words: Digital Banking, Bank Syariah, Branch Banking, Frontliners.