Commercial Banking Services Research Articles

On the Economics of Cross‐border Reparations Payments: The Case for a Bank of International Reparations

ABSTRACTThis article considers the challenge of ensuring that international reparations payments are effective in benefiting the recipient countries of such reparations. To guarantee that these financial flows provide long‐term benefits to the recipient economies, the article recommends the adoption of a developmental state approach to the use of the funds. It also considers in detail the advantages of establishing a Bank of International Reparations that serves as a trustee for the receipt and distribution of reparations, facilitates coordination of the use of reparations across countries to avoid disadvantageous forms of competition, provides investment banking services to support the use of the reparations to fund a domestically focused ‘sovereign wealth fund’, and provides ‘public option’ commercial banking services to recipient country firms in order to foster the growth of recipient country economies. Finally, the article finds that the most effective means of funding the reparations would be to use Special Drawing Rights (or SDRs).

Research on Bank Hall Service Management Strategy of Rural Commercial Bank

With the transformation and upgrading of financial technology, people's demand for personalized banking services is getting higher and higher. In order to meet people's growing financial needs, commercial banks have carried out a series of branch transformation and upgrading. As the main business place of physical network, the hall of rural commercial bank plays an irreplaceable role in electronic channels and virtual places. After decades of development, rural commercial banks have carried out a series of reforms and innovations. At present, the external layout of hall outlets, such as intelligent machinery, electronic equipment, and standardized network construction, has achieved initial results. Under the background of network transformation, the network construction of rural commercial banks has undergone great changes, but the concept of hall operation service has not matched the network construction in time, and can not adapt to the requirements of banking development under the new situation. In view of this situation, this paper explores the hall management and operation services of rural commercial banks, with the purpose of improving the hall service efficiency of rural commercial banks, improving the enthusiasm of employees, improving the service quality and efficiency, and increasing the profitability of banks.Taking the branch hall management of commercial banks in rural areas as the entry point, this paper uses literature research, process reengineering, salary management and other relevant theoretical research methods, SWOT analysis and other methods to analyze the problems existing in the transformation and upgrading process of branch halls of rural commercial banks, such as unreasonable staffing, cumbersome processes, low efficiency and low customer satisfaction. This paper explores the causes of such problems according to the problems, that is, backward management system, market positioning, low entry conditions for competitors, and low scale effect. Finally, it aims to improve system management, optimize organizational framework, integrate hall zoning, refine the division of labor, increase scientific and technological support, and innovate service modes. Improve the assessment mechanism, and put forward constructive suggestions on hall management and marketing strategy in the process of network transformation and upgrading to employees. The research in this paper can improve the service quality and efficiency of hall staff, improve the post adaptability of hall staff, thus improve marketing performance, realize the transformation and upgrading of outlets, and achieve greater economic benefits of rural commercial banks.

DEVELOPMENT OF RETAIL BANKING SERVICES IN THE CONTEXT OF DIGITAL TRANSFORMATION

The article examines retail banking services, their importance and how they are improving in the context of digital transformation. In the article, using the data of 14 commercial banks in Uzbekistan, the number of observations is 280. The dependent variable is the deposit practice of commercial banks, the independent variables are the credit practice of commercial banks, the remote services of commercial banks and the practice of commercial banks with plastic cards, analyzed through several models.The research shows that when we analyze 3 models based on panel data, the Random effects estimator (REE) model econometric equation of the impact of retail banking services development practices in the national economy today is Y=0.59x1+0.08x2+0.22x3-1.66 is the most optimal model. Accordingly, regarding the choice between the Fixed effects estimator (FEE) model and the Random effects estimator (REE) model, the Hausman test is used to determine which model is more suitable. The test compares the estimates from two models and tests whether the difference between them is statistically significant. If the p-value of the test is greater than the significance level (usually 0.05), then the Random effects estimator (REE) model is preferred because it allows for unobserved heterogeneity not accounted for in the Fixed effects estimator (FEE) model.In this case, the p-value of the Hausman test is equal to 0.36, which is greater than 0.05. We use the Random effects estimator (REE) model to analyze the impact of the practice of developing retail banking services in the national economy today based on panel data. We came to the conclusion that it is suitable.

Financial Position and its Global Impact on Performance of First Bank of Nigeria

First bank is Nigeria’s oldest bank established since 1894 with global business network ranking within the top five hundred global banking brands. The bank’s core business is providing financial services to individuals, corporate customers and public institutions. The business segment includes the Group’s domestic, international and representative offices offering commercial banking services in ten countries including the UK, Gambia, Senegal, Sierra Leone, China, etc. First Bank has taken the lead in stimulating the Nigerian economy with the roll out of an array of products such as First Advance, USSD banking service, First gem, and Agent banking; to empower customers and boost their business initiatives. With over eighteen million customers, the bank specializes in retail banking and has the largest client base in West Africa. First Bank has played a critical role in financing and supporting the economic growth of Nigeria through Agricultural expansion support, providing multi sectoral business solutions, enterprise elevation of small and medium scale enterprises geared towards fostering sustainable socio-economic value in Nigeria This report aims to determine the bank's global impact and profitability using cash flow analysis and results reveal that the bank is currently thriving on strong market fundamentals and will make giant strides in future.

Understanding Firm Performance in Microfinance Banks: Does Adaptive Capability Matter?

The microfinance banking sector plays a pivotal role by complementing the services of commercial banks by enhancing access to financial services. The complementary role played by the microfinance banking sector aids in mitigating the negative impact of escalating incidences of poverty and unemployment and spurs economic development among the unbanked segment of society. However, evidence drawn from annual supervision reports of the Central Bank of Kenya demonstrates that the performance of this sector has been gloomy, with losses registered in the last five years reviewed in this study. This unpleasant trend has been observed in a period that is marked by sustained growth in customer deposits in the sector. In the same period, the aggregate branch network for the sector has, on average, been observed to stagnate. Other notable concerns relating to the sector include the absence of customized customer solutions, delays in credit processing, and high cost of credit. In light of this, the study examined the effect of adaptive capability on firm performance. The resource-based view of the firm provided the theoretical foundation of the study and was complemented by dynamic capabilities theory. Explanatory research design served as a basis for guiding the research strategy for resolving the research questions. A structured questionnaire was used to gather data from management employees deployed at the headquarters of Microfinance Banks. Descriptive statistics was used to aid in providing insights about the characteristics of the observed subjects in terms of percentages, frequency count, mean and standard deviation. Inferential analysis was also undertaken using a linear regression model, where the research objective was tested at ninety-five percent level of confidence. The presentation of findings was done in terms of figures and tables. The study confirmed that adaptive capability affected firm performance. Management teams should enact policies that would ensure that chosen strategic actions are sustainably synchronized in direction and magnitude with the ever-changing environment.

Инфраструктура банковского обслуживания и перспективы её развития

Modern economic realities are impossible without constant provision of a variety of banking products and services to customers of commercial banks, and it is impossible without constant development of their infrastructure. Creation and development of a digital ecosystem are the key aspects of infrastructure component development of banking services. Developing the infrastructure of banking services in the direction of creating their own digital ecosystems, banks become such a center for their customers, through which they can satisfy all their needs and requests, as well as obtain the information. The banking ecosystem includes a set of interrelated services, which help customers to fully meet their needs on a single integrated platform. In this regard, the issues of development of banking service infrastructure are of paramount importance. The purpose of the research is to study the infrastructure of banking services of commercial banks, analyze the features of banking service models and digital ecosystems for the provision of banking products and services by modern banks. Methods such as comparative analysis, generalization, discussion, and modeling methods were used to investigate the issue. In the article, the authors analyzed the trends in the development of digital economy and banking sector as a whole, which allows identifying five types of organization of digital ecosystem for banks. In addition, the results of the study allowed concluding that based on financial capabilities and the chosen model of strategic development, the bank's management can choose various options for digital technologies that will improve the technological component of banking services, solve various problems of banking, improve operational efficiency and optimize income and expenses. The result of digital ecosystem model implementation for banking services in practice will be an infrastructure combining a wide range of different services based on IT platform, and their providers will be not only banking institutions themselves, but also their subsidiaries and third-party companies.

Agency Banking and Accessibility to Financial Services of Commercial Banks in the Northern Province of Rwanda

This research project was on assessing the effects of agency banking on accessibility to financial services in commercial banks in the Northern Province of Rwanda. The study adopted a descriptive research design. The population was 555 agents under which sample size was 233 people found using the Yamae formula. The study used a stratified and simple random sampling method. Also, different research instruments of data collection were used which include: journals, articles, document analysis and questionnaires. The reliability of the study was tested by carrying out pilot research and found that Cronbach's Alpha of .831. The data was analyzed using SPSS version 21 and data was presented using tables, percentages, means, and standard deviations. To analyze the relationship between two variables, Pearson Chi-Square and Pearson correlation were used to come up with comprehensive results. It was clear from the study that strategic responses to the implementation of agency banking as a competitive strategy in enhancing customers’ access to financial services included the provision of high-quality customer service, enhancing the operational structure and improving the brand image. The study established that operational structure, brand image and financial services awareness among the rural population are positively correlated (r = 0.805) with access to financial services. Access to financial services was greatly enhanced by strategically increasing the proximity of agency banking services, increasing the number of services that could be offered through agency banking and increasing awareness among the population on financial services available at agency banking outlets. Keywords: Agency banking, Financial Services, Commercial banks, Customers, Rural population.

Product Leadership and Competitive Advantage of Commercial Banks in Kenya

Purpose: Due to increased competition, the Kenyan banking system has had erratic performance in recent years. As a result, the major question is whether Kenyan commercial banks can use value disciplines to help them maintain their competitiveness. The study aimed to investigate the effect product leadership on competitiveness of Kenyan commercial banks.
 Methodology:. The research used a descriptive research design. The study comprised of businesses rendering commercial banking services in Kenya. A non-probability method of sampling was utilized. Structured questionnaires were used as applicable. The study targeted all the 42 Kenyan commercial banks/lenders. The 42 commercial bank managers were targeted as the unit of observation and the 42 commercial banks as the unit of analysis. Since the population in the current study was small but adequate for study research, that is, 42, the study used a census survey (thus no sampling was done) and thus the targeted population were still the commercial banks. Questionnaires were the instruments of data collection. The SPSS application was used to help with this analysis (v.25.0). Descriptive analytics and inferential metrics were used to analyze the data. Charts, graphs, tables, diagrams, and illustrations were used to present the findings.
 Results: The findings indicated that product leadership has a positive and significant relationship with the competitive advantage of Kenyan lenders (β =0.359, p=0.000). This implies that gains in a single unit of product leadership result in a 0.359-unit shift in the competitive edge of Kenyan lenders.
 Contribution to policy and practice: The study reveals a positive and significant connection between product leadership and the competitive advantage of Kenyan commercial banks/lenders. This suggests that banks that focus on developing innovative products, offering unique value propositions, and staying ahead in terms of product offerings are more likely to attain a competitive advantage. This finding contributes to knowledge by emphasizing the importance of product innovation and differentiation for achieving a competitive edge in the banking industry.

Mobile Banking Services, Risk Management, Firm Characteristics, and Performance of Commercial Banks in Kenya

An increasing number of banks in Kenya are launching newer mobile banking platforms which has led to increase in competition in the banking sector, where each commercial bank is penetrating to ensure that they keep in their competitive perspective and attract more likely customers by bringing the services of mobile banking next to their doorsteps. However, it is not clear how characteristics of a firm and management of risks influence the relationship the services of mobile banking and performance of banks in Kenya. The main objective of this research was to find out the relationships among the services of mobile banking, management of risks, characteristics of firms and performance of banks in Kenya. The specific objectives were: to evaluate the effect of mobile banking services on performance of banks, to institute the effect of risk management on the state between mobile banking services and performance of commercial banks, to investigate the effect of firm characteristics on the relationship between mobile banking services and performance of commercial bank and finally, to determine the combined effect of mobile banking services, risk management and firm characteristics on performance of banks. This study used the CAMELs Model evaluation system that examines capital adequacy, asset quality, management capacity, income, and liquidity of banks and therefore establishes the overall unsoundness of banks to measure operation. The study used a positivism research philosophy and descriptive research design. The study consisted of 43 commercial banks and utilized correlation and regression analysis to institute the relationship among mobile banking services and performance of bank. The Baron and Kenny (1986) formulation was used to test the intervening and moderating effect of management of risks and firm characteristics respectively on the relationship between mobile banking services and banks performance. Finally, the multiple regression analysis was used to test the joint result of mobile banking services, risk management, and firm characteristics on the banks performance H01 results indicate that a significant relationship between account-to-account transfer, mobile money, and the performance, H02 indicate that the relationship between mobile banking services, liquidity risk and bank performance is statistically significant whereas the relationship between mobile banking services, market risk and performance is not statistically significant. H03 indicate that the size of a firm have no significant effect on the relation between mobile banking services and performance of banks and H04 indicate that mobile banking services, risk management and firm characteristics have significant effect on the performance of commercial banks. The study is contributing to the theory of information systems since it has shown how increase in the use of mobile banking services which leads to improved performance of banks. The study recommend to regulators to ensure management of risks is adhered to in mobile banking services by commercial banks in Kenya to better operation.

IMPACT OF MOBILE BANKING ON CUSTOMERS’ SATISFACTION IN DEPOSIT MONEY BANK IN NIGERIA

The study examined the impact of mobile banking on customer satisfaction in United Bank for Africa. Bank customers in Nigeria have been found to be dissatisfied with the quality, of services provided by banks. This calls for the need to actually investigate how customers behave or get satisfied with regards to the services of commercial banks in Nigeria. No doubt that information from current technologies in banking operations has improved efficiency and effectiveness of their operations so that more transactions can be processed faster and most conveniently. The main objective of this study is to examine the impact of mobile banking on customer satisfaction in United Bank for Africa. Data was source basically from the primary source. Primary data are those data gotten from the field of study. Questionnaire was used as instrument of data collection, regression was used as a tool for data analysis. The findings of the study revealed that Automated Teller Machine (ATM), internet banking, telephone banking and mobile banking has significant impact on service delivery to customers. The study recommended that banks should provide more functional infrastructures to strengthen their e-business transaction. Standby electric power generating sets and inverters be provided to power the banking halls, information technology equipment and ATMs respectively whenever there is public power failure to ensure continued smooth operations.

Các nhân tố ảnh hưởng đến tiếp cận tài chính toàn diện của khách hàng cá nhân qua tần suất sử dụng dịch vụ của ngân hàng thương mại trên địa bàn tỉnh An Giang

This study aims to determine and measure the impact of factors affecting financial inclusion of individual customers through the frequency of using services of commercial banks from August to October 2022 in An Giang province. The study was conducted by surveying individual customers who used the services of commercial banks in An Giang province. As a result, 169 surveys were satisfactory and were cleaned. The built regression equation is suitable, there are 3 independent variables in the research model that have a positive impact on the frequency of using banking services as follows: the purpose of opening a bank account, the convenience and accessibility of bank branch. On the basis of the findings, the author also gives conclusions and recommendations to help develop banking products and services, improve the ability of individual customers to access comprehensive finance through services of commercial banks in Vietnam.

Factors Affecting the Decision to Use E-Banking Services: A Case Study of Individual Customers during the Covid-19 Pandemic in Vietnam

E-banking applies transactions anytime, anywhere, and 24/7 is also a great benefit. E-banking can overcome the time and space inconvenience of traditional banking. With e-banking, customers can do financial transactions on weekends or late at night without having to set up office hours like when dealing at the counter. Therefore, the study aims to discover the main factors affecting the decision to use E-banking services of individual customers at commercial banks in Vietnam and give managerial recommendations for enhancing E-banking services of commercial banks during the post Covid-19 pandemic in Vietnam. The article method applied structural equation modeling (SEM) using SPSS 20.0, Amos software. Besides, the authors surveyed data collected from 700 individual customers who have registered to use E-banking services analyzed to provide evidence. The study's main findings explore six key factors affecting the decision to use E-banking services. Six factors included perceived usefulness, ease of use, trust, social influence, innovation, and communication. They had a statistically significant relationship between attitude and decision to accept E-banking services. The study value helps commercial banks constantly invest in E-banking services by applying digital technology, high technology, information, telecommunications, and technical infrastructure into products to enhance customer satisfaction.

Value Disciplines and Competitive Advantage of Commercial Banks in Kenya

Purpose: The building of sustained competitive advantage is seen as a vital characteristic in ensuring competitiveness. To effectively operate in such a dynamic and competitive market, a corporation must implement a competitive strategy that optimizes the value of stakeholders. However, due to increased competition, the Kenyan banking system has had erratic performance in recent years. As a result, the major question is whether Kenyan commercial banks can use value discipline to help them maintain their competitiveness. That is, how can value discipline translates into a competitive advantage among Kenyan commercial banks? The study aims to investigate the function of value discipline in competitive advantage: a taxonomy of Kenyan commercial banks.
 Methodology: This was aided by a descriptive cross-sectional analysis methodology. The study comprised businesses rendering commercial banking services in Kenya. A non-probability method of sampling was utilized. Structured questionnaires were used as applicable. The study targeted all 42 Kenyan commercial banks/lenders. The 42 commercial bank managers were targeted as the unit of observation and the 42 commercial banks as the unit of analysis. Since the population in the current study was small but adequate for study research, that is, 42, the study used a census survey (thus no sampling was done) and thus the targeted population were still the commercial banks. Questionnaires were the instruments of data collection. The replies were transcribed and qualitative methodology was employed. The SPSS application was used to help with this analysis (v.25.0). Descriptive analytics gathered summary data such as averages, and frequencies, whereas inferential metrics aided in determining the causative link between parameters. The study used the R2s, F values, and beta coefficients at 0.05 significance thresholds. Charts, graphs, tables, diagrams, and illustrations were used to present the findings.
 Findings: The findings indicated that operational excellence has a directional/positive and statistically significant connection with competitive advantage of Kenyan commercial banks/lenders (β=0.342, p=0.000). It was also confirmed that customer intimacy has a directional/positive and statistically significant connection with competitive advantage of Kenyan commercial banks/lenders (β=0.247, p=0.000). Likewise, product leadership has a directional/positive and statistically significant connection with competitive advantage of Kenyan commercial banks/lenders (β=0.359, p=0.000).
 Unique contribution to theory, policy and practice: It has been recommended that having a high level of consumer awareness might lead to increased client satisfaction, which leads to increased buy back desire. Thus, recommendations are emphasized on the need for banking institutions to improve awareness and participation of customers in their operations to improve loyalty and satisfaction. The also recommends continuous and persistent innovation of products to help in the advancement and maintaining a competitive edge in the industry. Having superior products imply that the banks are able to maintain and attract a specific group of customers whom to the banks, ensure consistent sales and returns. The study also suggests to the operations management to continuously improve the financial institution delivery of services, consumer experience, purchase price and effectiveness, a considerable increase in income and profitability, and gives banks competitiveness. Sustainable distribution chain effectiveness is affected by learning and innovation efficiency, and supply chain intellectual capital plays an essential moderating function

Demographic Factors Affecting Customer's Perception toward the Use of Internet Banking in Pokhara Metropolitan City of Nepal

Background: The provision of financial services to customers has been transformed by internet banking, which employs the internet as the primary means for carrying out banking transactions. Objectives: The research aims to assess the perception of customers toward the use of internet banking services and find out the demographic factors affecting it. Method: For this study, a descriptive and analytical research design was utilized, in which 225 customers of banks in Pokhara Metropolitan City of Nepal were purposively selected. The study employed various statistical techniques, including frequency distribution analysis, mean score analysis, and inferential analysis such as t-test and one-way ANOVA. Result: According to the study, most customers are aware of and have access of internet banking services. Customers of commercial banks view internet banking services to be simple, secure, and less expensive to use, with the bank providing adequate help. It was discovered that marital status, age, education, and economic level all affect awareness levels. Education influences access to internet and respondents' attitudes toward cost-saving are influenced by their marital status, education, and income level. Similarly, it was discovered that education, occupation, and income level aff ect the perception of ease of use, employment affects the impression of security, and marital status, education, and occupation affect the perception of bank assistance. Conclusions: The study concludes that marital status, educational qualification, monthly income of family, and working status are the major factors affecting the perception of the respondents toward the use of internet banking. Further, this study concludes that people of higher age and low education level are less aware of internet banking service.

Technology Affecting the Service Quality of Commercial Banks in Vietnam

Purpose: The study studies the factors affecting the quality of banking services of commercial banks, commercial bank branches operating in Vietnam. The authors proposed policy implications based on research results that improve the quality of commercial banking services. Theoretical framework: Service quality measurement is difficult because of its characteristics: intangibility, heterogeneity, and inseparability. The concept of service quality has been researched and developed in many recent decades through customer satisfaction. Design/methodology/approach: The authors conducted quantitative research in 2 phases. Phase 1 is a preliminary quantitative study: collecting data to check the reliability of the scales in the research model and completed in October 2022. Phase 2 is the official quantitative research: collecting data on a large scale after building and perfecting the appropriate scales, to be carried out from November to February 2023. Processing data by statistical methods, analyzing EFA and CFA, using the structural equation model analysis (SEM) method to test the fit of models and hypotheses with SPSS 20.0 software and Amos. Findings: The article’s findings showed that technology factors affect commercial banks’ service quality in Vietnam. At the same time, it introduces some changes in Vietnamese banks in the context of current technological breakthroughs. Research, Practical & Social implications: Practical implications enhanced the service quality of commercial banks in the context of digital technology breakthroughs. The amount of information that can be encoded and the tools were available to process it has increased dramatically. Originality/value: The paper’s originality and value help bank managers invest in digital technology as the way forward to better serve their customers. Besides, the article has systematized the theory of service quality and factors affecting the quality of commercial banking services.

Digitalization of financial services of banks in Kazakhstan: trends and prospects of development

The article is devoted to the issues of digitalization of the financial market of Kazakhstan, trends and development of the use of digital technologies in the services of commercial banks as a financial institution. In connection with the development of the FinTech industry, it outlines measures aimed at expanding the range of digital services of banks based on "Digital Kazakhstan" State Program. Theoretical information on the digitalization of banking activities is given with a review of domestic and foreign literature on the digitalization of the banking system. Based on national reports and global data on the development of mobile banking, the study was conducted using comparative and statistical analysis methods. Based on the concepts of Open API, Open Banking, the transition of commercial banks of Kazakhstan to modern technological changes and the state of their implementation in banking activities is considered. With identification of trends in the development of the Financial Information Technology Market in the Internet and mobile banking, the article presents experience and prospects of implementing Open API technology in the activities of domestic banks. During the analysis of the data of domestic banks such as commercial banks of the Republic of Kazakhstan: CenterCredit bank, Halyk Bank, Kaspi Bank, ForteBank and Jusan Bank, Freedom Finance Bank, their current state, and possibilities of using digital technologies, prospects for development were outlined.

Factor Influencing Customer Attitude towards Use Interest-free financial products and services of Commercial Banks in Ethiopia

Islamic banking has become one of the global financial industries' fastestgrowing segments. This study analysis of Customer Attitudes towards the Use of Interest- Free Financial Products and Services of Commercial Banks in Ethiopia (The Case of Jigjiga City). 398 sample respondents were chosen from commercial banks in Ethiopia utilizing multistage staged sampling processes. Both of the original sources were used to gather the study's data. Interviews and structured questionnaires were used to gather primary data. The results of multiple regressions revealed that relative advantage and compatibility have a significant positive impact on the attitude toward interest-free banking products and services in commercial banks in Ethiopia. The data were used for descriptive analysis (frequency, percentile, mean, and standard deviation) as well as econometric analysis (correlation and multiple regressions). Similarly, complexity has no obvious influence on attitude, whereas perceived trust and customers awareness have a negative influence on attitude. .

Discussion on How to Improve the Innovation of Financial Services of Commercial Banks

Discussion on How to Improve the Innovation of Financial Services of Commercial Banks

Islamic Investment Financing and Commercial Banks Facilities: Mediation Effect of the Islamic Bank Size

Purpose: The objective of this study was to investigate the effect of Islamic financing on commercial banks’ credit facilities tested under the mediation of the two variables of Islamic bank size (Total asset and Investment deposit).
 Theoretical Framework: Even though studies of Islamic banking funding have been done within the Islamic economics and finance context, there has been needed to explore the effect of mediating the size of the Islamic bank and the relationship between Islamic financing and commercial banks’ credit facilities.
 Design/Methodology/Approach: We used the methodologies of Baron and Kenny (1986) and Preacher and Hayes (2008) to test a mediation effect of the Islamic bank size variable. Regarding the testing and validity of the hypothetical research model, path analysis was used within the structural equation modeling analysis. The study sample consists of 16 commercial and Islamic banks in the Jordanian banking sector, it is comprehensive of all listed banks' data in the Amman stock exchange, to the possibility of fairly generalizing the results to the community.
 Finding: Results indicate that the two variables of size indicators may partially mediate the direct effect of Islamic financing on commercial banks’ credit facilities. Such an effect is statistically significant. The findings provide practical solutions to enhancing competition in the Jordanian commercial and Islamic banking services market through various Islamic financing services to maintain and sustain banking resources.
 Research, Practical & Social implications: Future studies can consider other indicators of Islamic bank size and assess their influence on the various dimensions of the relationship between Islamic funding methodology and commercial bank facilities
 Implications/Originality/Value: This study contributes to the literature on Islamic banking by analyzing the results of the effect of Islamic investment financing formulas on the commercial credit market in Jordanian banking, and it offers a practical and applied perception of the role played of the Islamic banking methodology in the Jordanian commercial credit market.

Factors affecting satisfaction and intention to repurchase retail banking services in Vietnam

Retail banking services of Vietnamese commercial banks are developing along with economic growth, improving the repurchase behavior of customers helps banks maintain a competitive edge in the market. Therefore, the research was conducted on factors affecting satisfaction and intention to repurchase retail banking (RB) services. This study builds and validates the Structured Equation Model (SEM) to assess the causal effect of factors such as service quality, brand reputation and customer trust on customer satisfaction and repurchase intention RB services of commercial banks in Vietnam. Survey results of 605 customers have shown that 6 factors affect positively the intention of individual customers to repurchase banking services. In the transition from satisfaction to intention to repurchase the services, there are two moderating variables included in the study, which are switching costs and commitment from the relationship. The research results can be suggestions to help customers improve their intention to use the services again at Vietnamese commercial banks.