Development Of Banking Services Research Articles

Banking Service Quality and Its Impact on Commercial Banks' Reputation: An Applied Study at the University of Kerbala

The aim of the research is to determine the impact of banking service quality on the reputation of commercial banks due to the growth and development of banking services, while at the same time, the increase in problems faced by bank customers. The opinions of a group of affiliates at the University of Karbala, consisting of 80 affiliates representing the research sample, were taken. Their opinions were revealed according to the questionnaire model presented to them, which included 20 items distributed across two axes. The results obtained by the researchers through the answers of the research sample indicate the existence of a relationship, impact, and correlation between service quality and the reputation of commercial banks among the affiliates who domicile their salaries and the beneficiaries of the services of these banks.

GEN Z AND THE FUTURE OF BANKING: AN ANALYSIS OF DIGITAL BANKING ADOPTION

In the era of digitalization, a digital bank was the development of banking services. Bank in­no­vation led to innovation in providing various alternative services and improved the ease of tran­sactions for digital banking applications. This study aimed to discuss how digital banks used service features using a modified UTAUT2 approach. The data used was that of respondents belonging to generation Z in Indonesia who used digital banking services on mobile devices. Data analysis was done using PLS-SEM. The findings demonstrated that performance expectancy was the highest va­riable determining behavioral intention and used behavior. Habit and trust on service provider also predicted intention, and facilitating conditions also had a direct effect on usage behavior when adopt­ing digital banking in generation Z. Surprisingly, effort expectancy, social influence, hedonic mo­ti­vation, price value, and trust in the internet did not have a significant relationship, for which some possible reasons were explained further. In this article, theoretical and practical implications were also discussed.

Analisis Kegunaaan dan Kemudahan Sistem Teknologi pada Aplikasi Mobile Banking terhadap Keamanan Bertransaksi Non Tunai di Kalangan Mahasiswa

The development of banking services not only aims for security and reliability, but also to provide services that are adapted to technological developments and needs, as mobile banking involves combining information technology and business applications together Mobile Banking is a banking service provided by the bank to support the smoothness, convenience and security for the use of banking activities in terms of customer effectiveness and efficiency in transactions. This study aims to determine the ease of use of the Mobile Banking technology system for non-cash transactions among students. The approach used in this research is a qualitative approach by going to the field, namely interviews with respondents of 5C class Islamic Banking students. The research method is based on the philosophy of the key instrument and also produces written or oral data. The usefulness and convenience obtained from mobile banking on security in non-cash transactions provides significant results and benefits in non-cash transaction problems among students because it is very efficient and helpful. In addition, the security side of the transaction must also be considered so that nothing unwanted happens.

The quality of banking services as a gateway to increase the competitiveness of banks

Global changes as a result of technology in the field of financial and banking activities have shown great competitive challenges as a result of the globalization of banking activity and the liberalization of banking financial services to take its challenges on the shoulders of banking activity to adapt to the changes and face the negative effects and take advantage of them to achieve their gains and it became necessary to work on the development of banking services and keep abreast of developments in this field to achieve the wishes of customers is one of the main entrances to increase and develop the competitiveness of banks

Impact of BCA E-Banking Service Quality on Customer E-Satisfaction and E- Loyalty

The development of banking services through electronic media was increasingly widespread along with the rapid growth of information technology. Technological developments through digital transformation in the banking system require banking services in Indonesia to switch to e-banking services. E-banking is a form of service innovation by utilizing technological developments. E-banking services that are currently developing rapidly are mobile banking and internet banking. The increase in mobile banking and internet banking transactions in Indonesia has increased by more than 300% from 2016 to August 2021. One of the banking companies that has the largest number of e-banking users in Indonesia is BCA. With the rapid development of e-banking services, it is necessary to evaluate the quality of e-banking services including reliability, privacy and security, website design and customer service and support. Therefore, this study aims to determine impact of the quality of BCA e-banking services on customer satisfaction (e-satisfaction) and loyalty (e-loyalty). The sample used in this study was 230 data taken by purposive sampling. The data obtained were analyzed using structural equation model analysis (SEM) with the help of the AMOS 24 application. The results showed that there was a significant impact between reliability, website design and customer service and support on e-satisfaction. Meanwhile privacy and security have a significant impact on e-loyalty. In addition, this study also found that there was a significant impact of e-satisfaction on e-loyalty.

The Influence of BCA E-Banking Service Quality on Customer E-Satisfaction and E- Loyalty

The development of banking services through electronic media was increasingly widespread along with the rapid growth of information technology. Technological developments through digital transformation in the banking system require banking services in Indonesia to switch to e-banking services. E-banking is a form of service innovation by utilizing technological developments. E-banking services that are currently developing rapidly are mobile banking and internet banking. The increase in mobile banking and internet banking transactions in Indonesia has increased by more than 300% from 2016 to August 2021. One of the banking companies that has the largest number of e-banking users in Indonesia is BCA. With the rapid development of e-banking services, it is necessary to evaluate the quality of e-banking services including reliability, privacy and security, website design and customer service and support. Therefore, this study aims to determine impact of the quality of BCA e-banking services on customer e-satisfaction and e-loyalty. The sample used in this study was 230 data taken by purposive sampling. The data obtained were analyzed using structural equation model analysis (SEM) with the help of the AMOS 24 application. The results showed that there was a significant impact between reliability, website design and customer service and support on e-satisfaction. Meanwhile privacy and security have a significant impact on e-loyalty. In addition, this study also found that there was a significant impact of e-satisfaction on e-loyalty.

ANALYSIS OF CUSTOMER INTEREST USING SOE BANK MOBILE BANKING WITH TECHNOLOGY ACCEPTANCE MODELS

The development of banking services is no longer only with the slogan of safe and reliable services, but also being able to provide services tailored to the needs of customers who have developed in line with developments in technology and lifestyle. One form of service developed by banks is online banking services. Online banking is a banking transaction service that can be carried out by customers either from home, place of business or in other locations that are not in a real bank location (branch offices) by using communication media such as computers, cell phones and home phones. Sampling by technique sampling that is accidental sampling based on the formula Sampling proportion . For collection data includes observation, distribution of questionnaires and literature study. The purpose of this study was to determine the interest in using the Mobile Banking services of BUMN Banks with the Technology Acceptance Model. Approach study Which used in this study is a quantitative approach with a total sample of 100 respondents with the results of the analysis showing that the variable Perceived Usefulness has a significant effect on Attitude, Partial Least Square (PLS) analysis shows that Perceived Ease of Use variable has a significant effect on Attitude, Partial Least Square (PLS) analysis shows that Perceived Usefulness variable has a significant effect on Interest in using mobile banking

THE IMPACT OF ELECTRONIC ADVERTISEMENTS ON FINANCIAL SERVICES DEVELOPMENT IN JORDANIAN COMMERCIAL BANK

The study purpose is to examine the impact of electronic advertisements with their dimensions (advertising text, clarity of advertisement content, directing and technical design of the advertisement, and advertisement stimuli) on the development of banking services with their dimensions (technology used for services, quality of services, and diversity of services). The study methodology depend on the descriptive analysis approach used, and the study population covered all marketing department employees in the Jordanian commercial banks with a number of (409) employees, and the (SPSS) statistical program was used for hypothesis testing. The study concluded that there is a statistically significant effect at the level of significance (α≤0.05) for electronic advertisements with their combined dimensions (advertisement text, clarity of advertisement content, output and technical design of advertisement, and advertisement stimuli) in the development of banking services with its combined dimensions (technology used for services, quality of services, and diversity of services) for Jordanian commercial banks. The study findings suggest that the electronic advertisements are required including recorded videos that explain the nature of financial services within a clear content that highlights the benefits of those services and is designed and produced in technical ways within attractive stimuli for customers of Jordanian commercial banks.

Digitization of banking processes and operations

Introduction. Due to the total digitization of banking processes and operations, foreign and domestic banks are actively transforming their activities from the traditional format of customer service in bank branches to the remote format of providing services online. 
 Problem. Banks strive to function in the format of financial assistants available 24 hours a day. Therefore, virtual banks or neobanks which carry out their activities exclusively through remote sales channels with the help of Internet banking tools and mobile applications are actively developing. 
 The aim of the article is to study foreign trends in the development of neobanks and prospects for the development of neobanking in Ukraine. 
 Methods. The methods of theoretical genera­lization, analysis and synthesis, grouping, and systematic approach were used in the research process. 
 Results. The key trends in the development of neobanks in Ukraine and the world have been studied. The foreign experience of the licensing mechanism of neobanks is considered. The dynamics of the number of neobanks in the world and their geographical affiliation are analyzed. The global trend of growth in the number of clients-users of neobanks is indicated. The peculiarities of the activity of domestic neobanks have been studied. The general problems and prospects for the development of neobanks in Ukraine have been identified. 
 Conclusions. Neobanking in the world is in great demand by consumers of financial services and is interesting for investors, so the number of neobanks and their users in the world is growing at a high rate. The domestic banking sector is gradually introducing and implementing innovations in accor­dance with global trends in the development of banking services. Domestic neobanking gained a particularly noticeable development during the coronavirus pandemic and in the conditions of martial law. Due to the lack of a legislative initiative regarding the licensing and regulation of the activity of neobanks in Ukraine, their potential development is restrained. Currently, the development of domestic neobanks directly depends on state support for their activities, internal regulatory policy and competitive environment.

Continuous Intention to Use Mobile Banking Apps: Empirical Study in Iraq

Mobile banking on applications is increasingly becoming an effective channel in the development of banking services. The increase in smartphone penetration globally and customers spending more time on business applications raise questions for bank managers on how to entice customers to continue using mobile banking applications. This study examines factors influencing the continuous intention to use mobile banking applications by combining, the technology acceptance model TAM model and trust factor. Research indicates that perceived usefulness and trust directly influence continuous intention to use mobile banking apps, while perceived ease-of-use and perceived risk indirectly influence continuance intention to use mobile banking apps through the trust factor. the moderating effect of demographics factors found that higher age will negatively affect the relationship between trust and continuous intention to use mobile banking apps.

Исследование готовности населения к использованию кредитных карт в России

To date, an analysis of trends in the development of banking services has revealed the underdevelopment of the credit card market in Russia. This situation indicates the presence of barriers to the development of this type of service. The article identifies the most significant factors influencing the choice of the consumer in relation to the use of credit cards using the construction of a structural equation model. As a result, it is statistically substantiated that reasons such as fear of unnecessary spending and an unreasonable increase in consumers' own expenses are the main barrier to the development of the bank credit card market. The key driver of market development is attractive loyalty programs and favorable cashback conditions for potential consumers.

Trends in the Development of the Mortgage Market in the Russian Federation

The presented study examines the mortgage market in the context of the market economy and digitalization of business processes. Aim . The study aims to analyze the impact of digitalization processes in the banking sector on the development of banking services and products, in particular on mortgage lending. Tasks . The authors determine the main causes and factors of the development of mortgage lending in the Russian Federation. Methods . This study uses the methods of analysis, synthesis, comparison, as well as logical and systems approaches. Results . The increasing role of mortgage brings the assessment of the potential of mortgage lending to the forefront. Examination of the mortgage mechanism is important primarily from the perspective of potentially solving one of the most acute socio-economic problems in Russia - the housing problem. Development of electronic mortgage lending enhances the bank's competitiveness and increases customer loyalty. Conclusions . The problem with the development of mortgage lending consists in the lack of banking applications that would fully satisfy the needs of credit institutions and the bank's customers. There-fore, banks choose to issue loans “the old way” or work with “advanced” users. Automation of business processes is one of the most promising areas for the development of banking and mortgage lending.

The role of the knowledge economy in the development of banking services in Libya

The study focuses on the basic variables of the knowledge economy, where aims to know the role of the knowledge economy in the banking sector and solving the problems facing Libyan commercial banks in the development of banking services. In order to achieve the main purpose of the study, we used the descriptive-analytical method, by using the questionnaire. Where we surveyed a total of 320 employees at six commercial banks operating in the eastern region of Libya. Through incoming questionnaires, we have analyzed 299 questionnaires. The results of the analysis showed a positive relationship between the knowledge economy and the development of banking services and that the knowledge economy plays an active role in the development of banking services, as the sub-variables of the knowledge economy are knowledge, skills, education, IT infrastructure, speed, access to service, research and development, Innovation, institutional regime, economic incentives as well as the sub-dimensions of the developing of banking services that represented in online banking, data transfer services, the use of technology, and customer relations. all of them show a high positive relationship among them. Also, the study includes information on whether there are differences between the knowledge economy and the development of banking services in the banks included in the research. The results of the study showed that knowledge, skills, training, economic incentives, and institutional regime vary according to banks

Characteristics of Digital Savings Account as the Latest Innovation in Digital Banking Services

The development of banking services along with technological advances has proven to be able to produce new products including digital savings account. This product has been issued by various state-owned banks and private banks, its presence has begun to replace conventional savings models. Legal problems occur when the security of digital savings is not fully protected against security risks and the fact that digital savings is still equated with other digital banking services such as internet banking and mobile banking whereas digital savings has its own peculiarities so the legal implications are different. Therefore, the research compiled by this normative method will examine issues concerning: (1) the characteristics of digital savings as the latest innovation in digital banking services, (2) legal remedies against hacking accounts of digital savings customers. The results of this research are digital savings have unique characteristics so that legal remedies applied are different by involving the role of the special complaint service unit.

Los retos de la banca digital en México

Los servicios que ofrece la Banca en México y en el mundo han cambiado vertiginosamente en los últimos años, al pasar de una forma tradicional de servicio en sucursal, a banca por teléfono, después a banca electrónica y ahora a servicios financieros en dispositivos móviles e identificación biométrica, entre otros avances. Es por ello que el presente artículo analiza la evolución jurídica en la prestación de servicios bancarios y ofrece una perspectiva de algunas áreas en donde el Derecho puede estar superado por los avances de la tecnología, como por ejemplo la necesidad de regular a las empresas Fintech, errores u omisiones en la prestación del servicio, así como la supervisión de las autoridades y la protección al usuario.

A Demographic Study of Customer Satisfaction on Indian Banking Products in City Life

A sea change in the field of money and capital markets took place in India because of economic growth in 21 century. The application of marketing concept was introduced to enhance the customer satisfaction in the banking sector. The policy of privatization in banking sector aims at encouraging competition and introduction of financial services. A number of research studies have been analyzed on customer satisfaction but dearth of papers found on demographic analysis of customers as regards their satisfaction on banking products. This paper is trying to study this especially for the customers in city life where both private and public sector banks are very comparatively found. The very specific objectives of this study are to study the customers’ opinion on their satisfaction towards services provided by Indian banks and to study the improvement desired by them for the development of banking services. The findings from customers’ opinions, users banking services in Cities were satisfied with services offered by private banks as compared to public banks. Findings of the mean rating for satisfaction provided strong evidence for accepting research hypothesis. So the tests proved that satisfaction level significantly differs among customers from various demographic characteristics.

Banking Services Improvement through the Development of Service Technologies

The authors analyze the qualitative changes in the nature and orientation of modern society, which led to theemergence of the phenomenon of “customization” and analyze the features of a modern “service of civilization”.The authors use the technique of ABC-and XYZ-analysis to assess the assortment policy in banks. The articledefines the external factors and the theoretical and methodological background of innovative changes in thebanking market. The article also discusses the most promising innovative service technologies in the bankingmarket and the examples of their implementation of Russian and foreign banks. To identify the maincharacteristics of banking products to help meet customer demand, the authors are guided by the model N. Cano,who formulated the “theory of attractive quality” and highlighted the major kinds of needs. Based on analysis oftrends in the global economy, the authors concluded the growing role of the Internet in the development ofservice technology in the banking market and the need for further use of its opportunities for improvement ofbanking services. This paper investigates the key challenges and prospects for the development of servicetechnologies and their impact on the development of banking services.

الاتجاهات الإستراتيجية لتكامل نظامي التكاليف والإدارة على أساس الأنشطة (ABC)&(ABM)، نحو تحسين وتطوير أداء الخدمات المصرفية وخفض تكلفتها

This study aimed at investigating the strategic directions for the integration between activities based costing (abc) & activity based management (abm), to achieve the objectives of the departments of industrial companies towards improving & developing ongoing activities & processes used in the performance of banking services. The study focused on (19) jordanian bank according to the latest bulletin of the central bank in 2012, & distributed (133) questionnaires to targeted senior management & the department of finance & the department of development & planning. The responses to the sample used to prove or deny the hypotheses of the study & the achievement of its objectives, (120) questionnaires were returned & (100) were found questionnaires suitable for analysis. was used to analyze the results & test hypotheses the spss statistical system, it was found that there is a change in services due to automation developments where technology has led to a change in the nature of the activities & performance & providing banking services reflected in the costs & time of the life cycle of services & raising the quality of employment at the first level called intellectual elite. the study also recommended the need for the departments Jordanian banks of depend fully on the systems of cost accounting on the basis of the activities (abc) & the administration on the basis of activities (abm), in order to provide banking services at a cost & quality accepted by customers & provide accurate information to the departments around central & downstream activities of the banking business to enable the administration to re-design services constantly through their life cycles. هدفت الدراسة إلى البحث في الاتجاهات الإستراتيجية لتكامل نظامي التكاليف والإدارة على أساس الأنشطة، لتحقيق أهداف إدارات الشركات الصناعية نحو التحسين والتطوير المستمرين على الأنشطة والعمليات المستخدمة في أداء الخدمات المصرفية، حيث استهدفت الدراسة البنوك الأردنية وعددها (19) بنكاَ حسب آخر نشرة للبنك المركزي عام 2012 والمعنية بتطبيق هذه الأنظمة التكاليفية والإدارية الحديثة، وزعت (133) استمارة استبيان استهدف الإدارة العليا والدائرة المالية ودائرة التطوير و التخطيط. وقد تم استرجاع (120) استمارة منها وجدت (100) استمارة صالحة للتحليل حيث استخدم لتحليل النتائج واختبار الفرضيات نظام ألـ SPSS الإحصائي. وقد توصلت الدراسة إلى مجموعة من الاستنتاجات، كان من أهمها أن التغيير الحاصل في تقديم الخدمات بسبب التطورات التكنولوجية وأتمتتها (Automation) على أنشطة البنك المختلفة والمستخدمة في تقديمها، مما أدى إلى تغيير في طبيعة الأنشطة وأداء وتقديم الخدمات المصرفية انعكس على تكاليف وزمن دورة حياة الخدمات ورفع نوعية العمالة إلى المستوى الأول المسمى بالنخبة الفكرية Intellectual Elite– تطوير أدائهم وخبراتهم العلمية والعملية. كما أوصت الدراسة بمجموعة من التوصيات كان من أهمها ضرورة اعتماد إدارات البنوك الأردنية على أنظمة محاسبة التكاليف على أساس الأنشطة (ABC) والإدارة على أساس الأنشطة (ABM) بشكل كامل، من أجل تقديم خدمات مصرفية بكلفة ونوعية مقبولة من قبل الزبائن وتوفير معلومات دقيقة للإدارات حول الأنشطة المركزية والفرعية للعمل المصرفي، لتمكين الإدارة من إعادة تصميم الخدمات باستمرار خلال دورات حياتها.

Technological Change and the Demand for Currency: An Analysis with Household Data

Advances in transaction technology allow agents to economize on the cost of cash management. We argue that accounting for the impact of new transaction technologies on currency holding behaviour is important to obtain theoretically consistent estimates of the demand for money. We modify a standard inventory model to study the effect of withdrawal technology on the demand for currency. An empirical specification for households' demand schedule is suggested, in which both the level of currency holdings and the interest rate elasticity of demand depend on the withdrawal technology available to agents (e.g. ATM card ownership or a high/low density of bank branches, ATMs). The theoretical implications are tested using a unique panel of Italian household data (on currency holdings, deposit interest rates, consumption, development of banking services, etc.) for the period 1989-2004.