Internet Banking Services Research Articles

Perlindungan Hukum Terhadap Data Pribadi Nasabah Oleh Bank Dalam Transaksi Melalui Internet Banking

Technological advances have been able to give birth to services that facilitate daily activities such as the presence of internet banking services. However, there are still many problems related to the unprotection of customer personal data. The formulation of the problem from this study is how to legally protect the security of customer personal data by banks in internet banking services and how bank accountability in terms of personal data belonging to customers is not protected due to the use of internet banking services. The research method used in this thesis research is a normative type of legal research with a type of statutory and conceptual approach. The data sources used are prime, secondary, and tertiary data sources. The collection of legal materials is carried out through a library study. The results showed that the form of preventive legal protection was carried out by providing socialization through the platform to inform about the protection of customer personal data and the applicability of the ITE Law and the Telecommunications Law which provides a protection to prevent disputes against customers. The form of repressive legal protection is carried out through the existence of the Consumer Protection Law which is the basis for the fulfilment of consumption rights. The form of bank liability to customers in the event of a data leak is that the bank will provide compensation if it is proven that it is true that the data leak is not caused by the customer's negligence or mistake.

Comparative Study of Attitude towards Customer Intention to Implement Online Banking Services among the Collegiate Students

The massive advances in technology and aggressive implement of information technologycontributed as a paradigm shift in banking activities. It is explained to be twofold shift where banksusing technology have been systematically achieving efficiency, control, profitability and theircustomers are leveraging the benefits of convenience of „anywhere, anytime, anyway‟ banking. Whencustomers when experience such possibilities offered by internet banking services experienced bycustomers, they are not likely to have unpleasant e-service quality and since, most of the banks havejoined the bandwagon of internet banking, the competing service providers are often just one click awayfrom each other. This competitive situation of service industry encourages image building and brandingfor banks to differentiate one from others.

Impact Of New Age Banking Attributes On Customer Satisfaction In Delhi NCR

The Internet banking or online banking services plays a vital role in the banking sector of India. This paper aims to examine the impact of E-banking services on customer satisfaction. The Data were collected using an online survey of 137 respondents from different backgrounds. The results show that 89.8 percent respondents were satisfied with the e-banking services and rest of 10.2 percent respondents are not satisfied so, we can easily said that e-banking were got more popularity according to this study. This study covers limited area due to shortage of time and sample size confined only to 137. The paper concludes that most of bank customers were satisfied and aware about the e-banking services which lead to growth and development in the banking sector of India.

Impact Of New Age Banking Attributes On Customer Satisfaction In Delhi Ncr

The Internet banking or online banking services plays a vital role in the banking sector of India This paper aims to examine the impact of E-banking services on customer satisfaction The Data were collected using an online survey of 137 respondents from different backgrounds The results show that 898 percent respondents were satisfied with the e-banking services and rest of 102 percent respondents are not satisfied so we can easily said that e-banking were got more popularity according to this study This study covers limited area due to shortage of time and sample size confined only to 137 The paper concludes that most of bank customers were satisfied and aware about the e-banking services which lead to growth and development in the banking sector of India

Analisis Manajemen Risiko Keamanan Self-Service Technology Perbankan Syariah

Self Service Technology (SST) is a technology that allows customers to make transactions or carry out services independently without depending on employees. In the banking world, the Self-Service Technology services that customers can use are Automatic Teller Machine (ATM), Mobile Banking and Internet banking services to make things easier customers. However, you must be aware of various risks or potential incidents that could occur when customers use SST services. This research aims to analyze the security risk management of Sharia Banking Self-Service Technology. This research method uses a qualitative approach with field study methods through interviews and documentation. The results of this research are that Bank BJB Syariah has implemented Self-Service Technology security risk management with various strategies to minimize the security risks of Sharia Banking Self-Service Technology.

IMPLEMENTATION OF FINTECH IS THE BANK'S COMPETITIVE ADVANTAGE

The article examines the application of FinTech in banks, the main factors of their emergence and development, and the competitive advantages of the influence of innovative financial technologies in the banking system. Scientific works were analyzed to systematize the main trends in the development of banking innovations in Ukraine and argue the relevance of financial technologies in banking operations in conditions of digitalization. The influence of innovative financial technologies on the competitive advantage of banks in the modern context of the development of FinTech companies has been studied, as well as the involvement of Ukrainian banks in cooperation with FinTech companies. An analysis of the interaction of the leading banks of Ukraine with FinTech products was carried out, namely, the interaction with international FinTech products and the list of Internet banking services provided by the banks were considered. Prospects for research in this context are innovative financial technologies that banks use and determine their competitive advantage.The article presents an overview of the impact of innovative financial technologies on banks, identifies competitive advantages and challenges that are directly related to this process, and also provides recommendations for using innovative financial technologies in the banking system.

DIGITAL FINANCIAL SERVICES AND THE PERFORMANCE OF THE QUOTED COMMERCIAL BANKS IN NIGERIA

Objective: The study aims to examine the causal relationship as well as short-term and long-term dynamic effects between digital financial service components and on the performance of the quoted commercial banks. Method: The study employs a cross-sectional descriptive survey research with ex-post facto research. Descriptive statistics were used to analyze responses and opinions, while inferential statistics including the dynamic Panel Autoregressive Distributed Lag (PARDL) approach, Panel Granger Causality Test. Results: The Granger Causality analysis reveals that Agency banking exhibits a strong causal link to ROA (p=0.003<0.05), emphasizing its predictive power for ROA variations. Also, ATM banking has a weaker influence on ROA (p=0.08>0.05), while internet banking (p=0.049<0.05) and mobile banking (p=0.0001<0.05) both impact ROA significantly. The long-term analysis using the autoregressive distributed lag (ARDL) model indicates that agency banking (β=0.128, p < 0.05), ATM banking (β=0.566, p < 0.05), internet banking (β=0.514, p < 0.05), and POS activities (β=0.118, p < 0.05) all have positive impacts on ROA. In the short term, these variables also show positive coefficients, suggesting immediate effects on ROA. Error correction (ECTt−1) has a negative coefficient (β=-0.06, p < 0.05), indicating its role in short-run adjustments to deviations from long-run equilibrium. Overall, agency banking, ATM banking, internet banking, and POS activities are crucial drivers with strong statistical significance, while mobile banking has limited influence on ROA. Based on these findings. Conclusion: The study recommends that financial institutions should strategically prioritize agency banking services and enhance internet banking services to positively impact ROA. Resource allocation for ATM banking should be reevaluated, and POS-related strategies may not be a priority for improving ROA. Additionally, financial institutions should adopt a long-term perspective when planning and implementing these services, and invest in enhancing their digital financial services to boost customer satisfaction, fostering loyalty and retention.

UNRAVELING THE NEXUS BETWEEN DIGITAL BANKING TRANSACTIONS AND BANK PROFITABILITY: INSIGHTS FROM TURKEY'S DEPOSIT BANKS

This study estimates the relationship between digital banking transactions and bank net profit through regression analysis using the data of deposit banks in Turkey between 2011 and 2021. The data from 11 Turkish banks are analyzed with the least squares method (OLS) in the Stata package program. For this purpose, the relationship between digital banking transactions and bank net profit is estimated by constructing three models. In the first model, online banking transactions have a positive effect on bank profitability. The number of internet banking customers, the number of Automated Teller Machine (ATM), and the number of Point of Sale (POS) are found to have a negative effect on net profit, but these coefficients are not statistically significant. In the second model, mobile banking transactions have a positive effect on bank net profit. ATM has a positive and statistically significant effect on bank net profit, while the number of POS has a negative coefficient on bank net profit, but this coefficient is not statistically significant. In the third and last model, the digital banking transactions have a positive effect on the net profit of the bank. ATM and POS numbers have a negative effect on bank net profit, but these coefficients are not statistically significant. In conclusion, both internet and mobile banking transactions have a positive effect on bank profits in Turkey. Digital banking transaction, which is a combination of internet and mobile banking transactions, is also found to have a positive effect on bank profits. Additionally, it has been revealed that internet banking services contribute more to bank profits than both mobile and digital banking services.

Analisis Yuridis Penerapan Perlindungan Hukum dalam Melindungi Pengguna Layanan Internet Banking dari Cyber Crime

The purpose of this research is to analyze the juridical application of legal protection in protecting internet banking service users from cyber crime. This research is a type of empirical juridical research, or called field research, which examines the applicable legal provisions and what happens in the reality of society. Empirical juridical research is legal research on the enactment or implementation of normative legal provisions in action on every legal event that occurs in society. The results of this study show: (1) The implementation of legal protection provided by the East Nusa Tenggara Regional Development Bank has not been fully implemented properly because victims have not felt protected by the regulations implemented by the East Nusa Tenggara Regional Development Bank. (2) The responsibility of legal protection provided by the Regional Development Bank of East Nusa Tenggara is to follow up and examine complaints of problems of victims of cyber crime and will examine all transactions that occur and carry out legal protection responsibilities by providing assistance and reporting problems that occur to be followed up according to applicable laws and regulations. In accordance with the results of this study, it is hoped that there will be an increase in legal protection and a quick response to users of internet banking services and a form of legal protection that is specifically regulated to protect customers from increasingly widespread cyber crime.

Factors Influencing Customer Satisfaction towards Internet Banking Service: Case Study of Vietnam

This study investigates the impact of service quality dimensions on customer satisfaction in the context of internet banking services in Vietnam. Using a quantitative approach, data were collected through a structured questionnaire from a sample of 934 customers of the ten largest banks in Vietnam. The five service quality dimensions examined in this study are Tangibility, Reliability, Assurance, Responsiveness, and Empathy. Correlation and multiple regression analyses were conducted to assess the relationships between these dimensions and customer satisfaction. The correlation analysis revealed that all five service quality dimensions had significant positive correlations with customer satisfaction, with Assurance having the strongest correlation, followed by Responsiveness, Empathy, Reliability, and Tangibility. The regression results indicated that all five dimensions were significant predictors of customer satisfaction, with Responsiveness, Reliability, and Assurance having the strongest relative impact. This study contributes to the understanding of service quality and customer satisfaction in the digital banking era, providing valuable insights for bank managers and policymakers to enhance service quality and customer satisfaction in the highly competitive Vietnamese banking market. The findings highlight the need for banks to prioritize Responsiveness, Reliability, and Assurance while also addressing Tangibility and Empathy to meet customer expectations and foster long-term customer loyalty.

Weight-restricted approach on constant returns to scale DEA models: Efficiency of internet banking in Turkey

The performance measurement of decision-making units (DMUs) can be optimised by strategically choosing the optimal input and output weights. This approach circumvents the potential complexities associated with establishing a common basis for ranking homogeneous units and managing the results from multiple efficient frontiers. Efficient frontier ranking is simplified by limiting the weights based on the intrinsic or technical connections between relevant inputs and outputs. It also creates a coherent framework that coordinates various considerations across all under-evaluated DMUs and variables. This method effectively examines the complexities related to the inputs and outputs of homogeneous units using conventional data envelopment analysis (DEA) models to evaluate the efficiency of these units.In the banking sector, the relationship between inputs and outputs is complex. This complexity requires careful attention, particularly in cases where the existence of one input or output is conditional on the existence of another. This dynamic is accentuated by the integration of advanced fintech solutions, which inherently provide significant benefits to banking operations. The use of appropriate analytical models for banking data is important. The synergy between advanced financial technologies and analytical methods has reached its peak in reducing losses and strengthening profits. This, in turn, facilitates the optimal allocation of financial resources to growth-oriented projects.The empirical application of weight-restricted DEA models to Turkey's mobile-internet-banking sector underscores their efficacy. These modified models contrast with the standard DEA versions, which often encounter challenges stemming from the allocation of weights to pivotal variables. This study demonstrates the tangible benefits of our approach and its potential to revolutionise the efficiency assessment landscape in the banking sector.The proposed unconventional model which is applied to Turkish Internet banking for the period extending from 2006 to 2018 and which takes a comprehensive weight restriction approach to DEA and encompasses all relevant input and output variables, resulted in strictly positive weights and a reduced count of inflated efficient units along with their scores. This is practically beneficent to banking sector in so far as it facilitates decision-making and related economic and financial planning, and as it proves to be a reliable benchmark by local or international banks intending to provide or develop Internet banking services.

Relationship Between Internet Banking Service Quality, e-Customer Satisfaction, and Loyalty: A Comparative Study of India and Pakistan

Abstract The objective of this study is to examine the structural relationship between e-service quality, e-satisfaction, and e-loyalty for both Pakistani and Indian Banks. The study was conducted on 800 respondents who were users of internet banking services. The independent variables were 1) reliability, 2) responsiveness, 3) accessibility, 4) ease of use, and 5) security. The e-customer satisfaction and e-customer loyalty are independent variables. The study was conducted on 400 Indians and 400 Pakistani who had been availed internet banking services. The theoretical model was assessed using the PLS-SEM technique. The study found overall significant positive relationship between e-service quality, e-satisfaction, and e-loyalty for both Pakistani and Indian banks. The study has managerial implications that the managers of the banks should focus more on the internet banking services for customer loyalty. The study found overall significant relationship in both India and Pakistan, as both are emerging economies. This study intends to fill the void and adds to the literature on internet banking and provides pathways for the researchers working in the domain of banking services. The study provides recommendations for the top level of management and bank branch managers as well.

Optimizing Islamic Bank Customer Satisfaction Through Mobile Banking And Internet Banking Services

This research aims to analyze the optimization of customer satisfaction through mobile and internet banking services at the Bank Syariah Indonesia (BSI) Jombang branch office. This research is field research using qualitative methods through a case study approach. Data was collected through in-depth interviews with six informants from BSI customers who actively use mobile and internet banking. The data analysis technique used is interactive analysis with several steps: data reduction, data presentation, and conclusions. The research results show that evaluating the user interface of mobile and internet banking services is necessary. Banks must improve the security of mobile and internet banking systems. Preparing for bank credibility and good integration between mobile and internet banking services, the bank needs to improve customer service to be more responsive and informative in mobile banking and internet banking services. This research can be a reference for future research and can be a reference for Islamic banking in optimizing online services, especially for BSI.

INTERNET BANKING AND BANKING SERVICES: PROBLEMS AND PROSPECTS OF DEVELOPMENT

INTERNET BANKING AND BANKING SERVICES: PROBLEMS AND PROSPECTS OF DEVELOPMENT

THE FACILITATORS AND INHIBITORS OF CUSTOMER ADOPTION OF PURE INTERNET BANKING: TRUST TRANSFER AND STATUS QUO BIAS

ABSTRACT There are three pure Internet banks in Taiwan and Line Bank accounts for more than 90% market share of pure Internet banking. In addition, despite the increasing viability of pure Internet banking, customers continue using existing banking services and results in only 10.16% of all kinds of banking services. To explore why consumers prefer one bank over others and why consumers hesitate to adopt pure Internet banking, this study considers status quo bias (habitual usage) and trust transfer in the context of LINE Bank, a company that provides its customers with comprehensive pure Internet banking services. We also theorize that intimacy with service personnel leads to the habitual usage of existing banking services, and trust in the LINE app and trust in LINE Pay affect customers’ trust in LINE Bank. We also suggest that habitual usage can also reduce trust and moderates the relationship between trust in LINE Bank and usage intention. Survey data from 403 active LINE Pay and Line app users confirm that both trust in the LINE app and trust in LINE Pay exhibit positive effects on trust in LINE Bank, which in turn positively affects usage intention. In addition, intimacy enhances habitual usage, which has a negative effect on trust in LINE Bank, has a direct and negative effect on usage intention, and at the same time adversely moderates the relationship between trust in LINE Bank and usage intention.

Examining the interplay of internet banking service quality, e-satisfaction, e-word of mouth and e-retention: a post pandemic customer perspective

Examining the interplay of internet banking service quality, e-satisfaction, e-word of mouth and e-retention: a post pandemic customer perspective

E-service quality subdimensions and their effects upon users' behavioural and praising intentions in internet banking services

E-service quality subdimensions and their effects upon users' behavioural and praising intentions in internet banking services

Assessing The Customers' Behavioral Intention to Adopt Internet Banking Services

Assessing The Customers' Behavioral Intention to Adopt Internet Banking Services

Mongolian Remote Communities and Digital Banking Transformation

Although Mongolia has set up a nationwide Internet network as part of its goal of becoming a digital nation, remote communities are unable to have equal access to education, government services and other services due to inadequate infrastructure during the COVID-19 period. As mobile communications and the Internet expand, customers are becoming increasingly familiar with mobile banking and Internet banking services. The uses of digital technology such as artificial intelligence, digital banking services based on big data have increased in recent years. The benefits of this digital transformation for banks should be shared equally by all customers. This paper assesses the equality of banking services based on reports on mobile banking transactions and reports on Internet connection of citizens in Mongolian’s remote communities. The methodology is based on a methodological approach using fixed and random effect estimation and panel analysis based on data from the National Statistics Office of Mongolia, the Mongol Bank and the Communication Regulatory Commission of Mongolia. In this study, we surveyed 421 rural respondents from 21 provinces of Mongolia. This paper’s dependent variables are the number of active mobile users and internet bank active users by province. Independent variables are population density, GDP per capita, workers, spectrum of poverty, average salary by province.

Investigating the Effect of Green Brand Innovation and Green Perceived Value on Green Brand Loyalty: Examining the Moderating Role of Green Knowledge

The numerous organisations voicing their concerns show that concern for the environment has increased compared to earlier times. This study aims to investigate the relationship between green brand innovation and green perceived value, along with its impact on green brand loyalty within the Ethiopian banking sector. Based upon previous research, this study delves into the distinctions between innovation and innovativeness, exploring their respective influences on brand loyalty. Additionally, this study introduces the roles of green perceived value as a mediator and consumer green knowledge as a moderator in shaping green brand loyalty. To assess the conceptual model, a survey was conducted using convenience sampling among 600 customers using internet banking services across nine reputable banks. This approach aimed to capture a representative sample for the conceptual model. Subsequently, data analysis was performed using a structural equation model (SEM). The results indicated that consumers’ perceptions of green value have indirect effects on green brand loyalty and direct effects on green brand innovation. In addition, green knowledge moderates the relationship between green brand innovation and green perceived value in a significant way. Therefore, in order to increase customer loyalty to green brand innovations, organisations should focus on improving consumers’ environmental literacy and cultivating positive attitudes towards green businesses.