Bank Counter Research Articles

Factors affecting the adoption of ATM Cash Deposit Services. A case study of ABSA Zambia, Lusaka

Commercial banks' investments in information technology (IT) have helped streamline operations, increase competitiveness and expand the number and quality of services offered. The automated teller machine (ATM) is arguably the world's most groundbreaking electronic innovation. ATMs according to Mwiya et al. (2017) are the most commonly used electronic delivery method for banks in Zambia. Research has indicated that investment potential, cost savings, customer satisfaction and competitiveness are the reasons for installing and expanding the existing ATM network. Despite the availability of good ATMs for depositing money, there are still long queues in front of banks during business hours as customers deposit their money at the bank counter. Therefore, the study aimed to evaluate the factors affecting the adoption of cash deposit services at ATMs. The objectives of the study were to determine the effects of perceived usefulness, perceived ease of use, effects of facilitation conditions, and effects of social influence on consumers' intentions to use cash deposit services at ATMs. To achieve the objectives, the study conducted a survey of 397 ABSA bank customers. The study used a mixed research method and employed descriptive and causal research designs. Descriptive statistics, logistic regression, and Fisher's exact test were used for data analysis. From the findings, the study revealed that: Lack of knowledge, lack of awareness, ATM usability, trust in ATMs, ATM security and ATM errors are significant factors that influence customers' use of ATMs to deposit money. Additionally, the study found that friends using the ATM to deposit money had a statistically significant effect on the use of the ATM to deposit money. Age and gender were also found to have a significant impact on the use of ATMs to deposit money. The results were statistically significant with a P value of 0.05. The study therefore recommended that: Banks should provide their customers with adequate knowledge on how to use ATMs to deposit money; Ensuring and ensuring the safety of customers when depositing funds; and to adequately inform customers about the security and reliability of ATMs when depositing money.

Discussion on the Counter Performance Appraisal Plan of County-level Rural Commercial Bank Counter

Discussion on the Counter Performance Appraisal Plan of County-level Rural Commercial Bank Counter

Course Design and Project Reform of Comprehensive Counter Business of Commercial Banks Based on Improving Ability as the Goal

The obtain employment for financial students in higher vocational colleges mainly takes market demand as the orientation, and cultivate professional and technical talents in the first line of services in banking, insurance, securities, investment and financial management industries as the goal. The course of Comprehensive Counter Business of Commercial Banks mainly aimed the post of commercial bank counter to study how to adjust the teaching content and methods of the existing courses to realize the zero distance work of students.

Coastal waste bank as a waste processing effort towards a clean and productive Bagan Deli

Trash is still a problem that the solution still continues to innovate until now. Based on information by the Ministry of Environment and Forestry (KLHK), the Republic of Indonesia has released a list of cities in Indonesia based on its cleanliness level. The Deli River is one of the garbage prone spots, and the waste will accumulate and surely will pollute the environment, all garbage is in the downstream or middle, all will be down to Bagan Deli village which eventually all the garbage will be Sources of pollution and disease for communities in Bagan Deli village. Programs with waste banks have been encouraged, but the management and facilities are still lacking, with community service is expected to understand the importance of maintaining environmental hygiene and utilizing waste as a source of and able to manage the waste bank as a new search eye, sorting based on the categories of till that are more detailed and specific so as to provide convenience during the presses, also will be made miniature garbage bank counter to Well-coordinated fitting management. The result of the Survet shows the level of customer satisfaction of the Trash bank belongs to the category quite well, and need some evaluation for the improvement of Waste Bank. The last will be created special training on how to create another pilot waste bank in other environment in the Kelurahan Bagan Deli

Bancassurance: Challenges and Opportunities in Republic of Serbia

Bancassurance is not just a sale of insurance products at bank counters, but a complex cooperation involving both partners in the project realization, with the goal of satisfying their own interests as well as clients' interests. In the Republic of Serbia, banks began to deal with insurance activities in 2007. Since then, the sale of insurance products through banks has been constantly growing. The paper will present the current bancassurance models in the Republic of Serbia: integral distribution; expert distribution and combined distribution. The paper will present the comprehensive condition of bancassurance in the Republic of Serbia, above all the legal framework of the bancassurance concept; activities necessary for the successful implementation of bancassurance; market participants; competition among banking products and insurance products; the current level of cooperation between banks and insurance companies. Participants in the insurance market established by the Republic of Serbia, such as the National Mortgage Insurance Corporation, the Serbian Export Credit and Insurance Agency and the Deposit Insurance Agency, will be presented in paper, with an overview of the advantages and disadvantages of state insurance regulations. By gathering facts and data based on available literature and public databases, the current state of the insurance market and the possibilities for further development of bancassurance in the Republic of Serbia will be determined. The choice of a bancassurance model is essential for the successful functioning of the overall concept and its long-term sustainability in a dynamic business environment. The paper points to the fact that by designing an adequate bancassurance model, there may be a significant development of the Serbian financial services market.

The Development of China’s Bond Market

This article analyzes China’s bond market, which covers the interbank market, exchange market, and bank counter market. We compare various types of bonds and discuss their latest trends, which to a large extent are driven by government policies, resulting in rapid growth in central government and local government bond issues. The recent launch of the “Bond Connect” trading platform for bond transactions between mainland China and Hong Kong and the emergence of many new bond types suggest that China’s bond market may provide more investment and growth opportunities for global investors.

Behavioral Intention Analysis on Internet Banking Usage at Bank XYZ Bogor

The aims of this paper were to analyze the customer decision to use internet banking and to anlyze the factors correlated with the intention of internet banking usage at XYZ Bank, Bogor, Indonesia. The theoretical foundation for this study was Theory of Planned Behavior (TPB). TPB is a model that estimates the consumers’ intention to perform a behavior or action. A number of 150 respondents were selected by convenience sampling method using questionnaires with interviews. The data were analyzed using SEM-PLS. The results showed that perceived behavior control had a significant influence on behavioral intention. Respondents who had higher scores of perceived behavior were more likely to have a higher intention of using internet banking. For the managerial implications, the company is expected to provide more user-friendly and attractive facilities for users, so that users can easily do banking transactions without having to queue at either a Bank or ATM counters. Second, the facility with more limit than that exists now can be used as a reference for the company to increase the number of internet banking users, so users can use facilities safely, and desired facilities are available in internet banking. Keywords: behaviour intention, internet banking, SEM-PLS, theory of planned behavior

Can retail banking clients' attrition be managed?

The рurрοѕe of all banks across the universe is to satisfy their clients’ necessities. One of the predominant impacts of the last few years’ financial crisis in Europe was the way in which customers interact with their banks. The theory of “main bank” is not any more the case as clients’ trust toward banks fades away together with their loyalty. Nowadays, it is necessary for banks to segment their clientele data base, and target the most profitable clients. The retention stategy of each financial instiution becomes more and more important as the value of each retained customer is disproportional to the cost of acquiring a new one. The main findings of the subject retail banking clients’ retention policy analysis prove that clients of different lifetime value have different propensity to defect. At the same time, the ability of a bank to retain a potential defector does not depend directly on satisfying the defection reason. Many of the various bank counter offers which do not directly satisfy the reason that a client refers to as the “defection” one, are enough in order to retain a client

Assessing lifetime value for operational E-CRM practices in the banking sector: A knowledge management initiative

The banking sector in India has seen a tremendous change in its working and services since the last decade. The sector which was restricted towards initiating savings and a means of transferring funds for their customers has come a long way. The long queues in the bank counters for withdrawing cash, has given way to the mechanically operated and popular ATM's.

INTEGER VALUED AUTOREGRESSIVE PROCESSES WITH GENERALIZED DISCRETE MITTAG-LEFFLER MARGINALS

In this paper we consider a generalization of discrete Mittag-Leffler distributions. We introduce and study the properties of a new distribution called geometric generalized discrete Mittag-Leffler distribution. Autoregressive processes with geometric generalized discrete Mittag-Leffler distributions are developed and studied. The distributions are further extended to develop a more general class of geometric generalized discrete semi-Mittag-Leffler distributions. The processes are extended to higher orders also. An application with respect to an empirical data on customer arrivals in a bank counter is also given. Various areas of potential applications like human resource development, insect growth, epidemic modeling, industrial risk modeling, insurance and actuaries, town planning etc are also discussed.

Credit Risk – Creating System of Credit Risk Management in Changing Economic Conditions in Macedonian Banks

Credit risk policy is one of the most important instruments of economic policy. Experiences from developed countries and countries in transition show that the optimal credit risk policy is an essential prerequisite for accelerating economic development. The effectiveness of the mechanism in achieving this goal involves the fulfilment of certain conditions: stabilization of prices and elimination of price disparities, coordination of movements of exchange rates, inflation and interest rates, etc. In countries with a diversified financial structure, achieving these prerequisites, as well as the formation of interest rates on the balanced value is realized through the action of the market mechanism. Given that most of these issues are present in Macedonia, it is necessary to identify and critically re-assess the effects of credit risk policy on economic developments, as well as preventive measures to reduce risk11Brown C. Keith, Reilly K. Frank: Investment portfolio Analysis and Portfolio Management, Thomson South Western, 2004, pp 243. While financial institutions have faced difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be directly related to 1ax credit standards for borrowers and counterparties, portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to a deterioration in the credit standing of a bank's counter counterparties. The aim of the paper is to give a view of the concentration of the financial system, credit risk to which are exposed Macedonian banks as well as measures that are to be taken preventively in order to influence the reduction of credit risk.

A count model based on Mittag-Leffler interarrival times

In this paper, a new generalized counting process with Mittag-Leffler inter-arrival time distribution is introduced. This new model is a generalization of the Poisson process. The computational intractability is overcome by deriving the Mittag-Leffler count model using polynomial expansion. The hazard function of this new model is a decreasing function of time, so that the distribution displays negative duration dependence. The model is applied to a data on interarrival times of customers in a bank counter. This new count model can be simulated by Markov Chain Monte-Carlo (MCMC) methods, using Metropolis- Hastings algorithm. Our new model has many nice features such as its closed form nature, computational simplicity, ability to nest Poisson, existence of moments and autocorrelation and can be used for both equi-dispersed and over-dispersed data.

The role of customer satisfaction in enhancing customer loyalty in Malaysian Islamic banks

This study examines the role of customer satisfaction in enhancing the loyalty of Muslim and non-Muslim customers in the Malaysian Islamic banking industry. Respondents are the customers (Muslim and non-Muslim customers) visiting the bank counters and have an account with Islamic banks. A total of 660 questionnaires were distributed, and 440 were returned. The results indicate that customer satisfaction has a statistically significant positive effect on customer loyalty and intentions to switch for Muslim and non-Muslim customers. However, there were significant differences in the effects of customer satisfaction on customer loyalty and intention to switch for Muslim and non-Muslim customers. The effect of customer satisfaction on customer loyalty and intention to switch is greater for the non-Muslim than the Muslim customers.

Chinese Bond Markets - An Introduction

While foreign investors have flocked to Chinese equities because of performance and correlation considerations, there is relatively less awareness of Chinese bond markets. This paper serves as an introduction to structure, trading venues, investor base and performance of Chinese bond markets for outside investors. After more than a quarter century of development, Chinese bond markets have evolved into a RMB 15 trillion (more than USD 2 trillion) market across a broad variety of credit, maturity and investor profiles. The market has a multi-layered structure, comprised of the national interbank market, the exchange market and bank counters, with the interbank market being the dominant trading venue. Foreign institutional investors can invest in Chinese bonds by seeking regulator approval for QFII quota or access to the interbank market. Product creators and asset managers have hitherto focused on bringing out higher margin equity products. This may change as global investors seek to participate in the growth of Chinese capital markets without volatility of equities. Over the five years ending 2008, the Chinese bonds in aggregate returned 8.1% annually in USD terms as measured by S&P/CITIC Composite Bond Index, a rate higher than those of U.S. and European bonds. RMB appreciation was a key return driver.Correlations of Chinese bonds with U.S. and European bonds have been less than 10%. Correlation with Chinese equities is a low 1.6%.Prospects for future evolution of the market include broadening of corporate bond markets, expansion of derivatives and risk management tools, and possible development of municipal bonds.

An examination of the relationship between service quality perception and customer satisfaction

PurposeThis study attempts to examine the relationship between service quality perception and customers' satisfaction in Malaysian Islamic banking using the SEM approach.Design/methodology/approachThis model starts with SERVQUAL measurement scales consisting of six dimensional structures: tangibles, reliability, responsiveness, assurance, and empathy, and plus the compliance dimensions to measure Malaysian Islamic banking service quality. Respondents are the customers (Muslim and non‐Muslim) who visit the bank counters. They must have an account with one of the full‐fledged Islamic banking and dual‐banking systems.FindingsThe results showed that the proportion of Malaysian Muslims' awareness of the Islamic banking products and services were high compared to non‐Muslim customers. The majority of the Islamic banking customers were satisfied with the overall service quality provided by their banks. The findings suggest that the standard model of Islamic banking service quality dimensions should consist of the six dimensions and good determinants of satisfaction. The relationship between service quality and customer satisfaction was significant.Research limitations/implicationsFurther research should be considered in order to gather more information regarding service quality and customer satisfaction dimensions in the context of Malaysian Islamic banking industry.Practical implicationsThe six dimensions of SERVQUAL represent a valid instrument to measure service quality in Malaysian Islamic banking. Providing financial counseling to attract Muslim customers to use more Islamic banking products and services is critical, where 60 percent of the Malaysian population is Muslim. There is a potential target market for Islamic banking that needs be concerned.Originality/valueThis research is important in line with the obvious cross‐cultural and religious differences between these two key customer segments; Muslims and non‐Muslims. In the Malaysian context, there is a strategic dimension that needs to be understood.

Is Baumol's ‘square root law’ still relevant? evidence from micro-level data

The purpose of the article is to test, from micro-level data, the complete general framework of the transaction demand for money a la Baumol. Controlling for selection bias, we distinguish two populations who exclusively withdraw cash from either ATM or bank counter, from a sample of French representative individuals. The estimation results show the existence of large economies of scale as well as a positive effect of ATM surcharge and ATM and bank counter density on cash holding. Moreover, contrary to what might be expected, we do not find evidence of the impact of risk on cash holding.

Reflections on a Visit to Burma

Research Article| June 01 1997 Reflections on a Visit to Burma Michael Christopher Michael Christopher Search for other works by this author on: This Site PubMed Google Scholar Asian Survey (1997) 37 (6): 540–549. https://doi.org/10.2307/2645528 Views Icon Views Article contents Figures & tables Video Audio Supplementary Data Peer Review Share Icon Share Twitter LinkedIn Tools Icon Tools Get Permissions Cite Icon Cite Search Site Citation Michael Christopher; Reflections on a Visit to Burma. Asian Survey 1 June 1997; 37 (6): 540–549. doi: https://doi.org/10.2307/2645528 Download citation file: Ris (Zotero) Reference Manager EasyBib Bookends Mendeley Papers EndNote RefWorks BibTex toolbar search Search Dropdown Menu nav search search input Search input auto suggest search filter All ContentAsian Survey Search This content is only available via PDF. Copyright 1997 The Regents of the University of California Article PDF first page preview Close Modal You do not currently have access to this content.

Money laundering regulation: A bridge too far?

The 1997 revised version of the UK Money Laundering Guidance Notes for the financial sector are about to be published. They represent the results of a year's consultation and clearly demonstrate the financial sector's commitment not to be tainted by criminal money. However, the fight against laundering the proceeds of crime has long since moved away from the concept of suitcases full of cash across bank counters, and the self‐regulatory process must now encompass every part of the financial sector, going beyond the requirements of the Regulations themselves. Financial sector businesses have committed significant resources to the fight against crime, but this has not been matched by investment in the investigation, prosecution and confiscation process. As the financial sector requirements become more onerous and involved, questions are being asked whether more than enough is being required of financial sector businesses.

Éléments de comparaison internationale des coûts et marges bancaires

Elements of an International Comparison of Banking Costs and Margins Given the current transformations of the payments and financing systems and the internationalization of the supply of banking services, it is interesting to draw a comparative picture of the costs of national financial transaction systems and banking costs and margins. Such a comparison brings up a number of practical problems. Not a single available statistic measures directly the cost of financial transactions (reduction of transaction costs, improvement in the collection and processing of data, the spreading of risks, rescheduling). Also, the structures and modalities of functioning, not to mention accounting systems, differ from one country to another. In addition, an accurate measure of financial transaction costs can only be approximated with the use of indicators based on the data of national accounting systems and bank accounting. The article analyzes the relations between a diversity of indicators such as estimated production of banking services, GDP, total assets of fiancial institutions, interest margins, gross operating results, profits, working capital, etc. – all this for both the total of all commercial banks and also for only the largest commercial banks. It is thus shown that French banks, in the period 1980-84, occupied, in most relationships, the median among the large industrial economies. The differing position of French banks in relation to those in other economies can be explained, at least partially, by the differences in the structure of remunerations for services rendered and in the differing density of bank counters. It might be said that the recent tendency of French banks in emphasizing closer control over operating costs, diversifying of their services and revenues, and in modifying rates charges for services represent, in light of the indicators studied, a standardization of the operating conditions of the French system of banking transactions in comparison to its foreign counterparts.

The people's commentator: calypso and the Grenada revolution

Cecil Belfon, The Flying Turkey, is the most celebrated calypsonian in Grenada. He is also a soldier in the People's Revolutionary Army. As he says: 'In the context of our society now, I have been able to combine the two functions, soldier and calypsonian, because the objectives of both roles have come together and make one and the same thing. ' Belfon was a bank clerk in the Royal Bank of Canada until 13 March 1979, the morning of the Grenada Revolution. When he heard of the uprising, he left his bank counter and immediately went to help defend the radio station, which the revolutionaries had stormed and taken. He has been a soldier ever since then. His songs and records, in particular 'Innocent Blood' (written short ly after the June 1980 bomb attack on the leadership of the People's Revolutionary Government at a public rally, causing the death of three teenage girls), are very popular in Grenada, and show the clear and dynamic link between calypso and the revolutionary movement in the Caribbean. Belfon is now Manager of Television Free Grenada.