Internet Banking Users Research Articles

The relationship between economic growth and e-commerce at the beginning of covid-19 pandemic in east Java

The purpose of this study is to analyse the simultaneous spatial relationship between economic growth and e-commerce as well as the spillover effect between the two variables in East Java at the beginning of the Covid-19 pandemic in 2020. To answer the research objectives, spatial simultaneous modeling is used with the Spatial Autoregressive Generalized Spatial Three Model. Stage Least Square (SAR-GS3SLS) using rook contiguity. Based on the results of the SAR-GS3SLS, it can be concluded that at the beginning of the Covid-19 pandemic in 2020 in East Java, economic growth and e-commerce were simultaneously spatially interconnected. Variables that affect East Java's economic growth are e-commerce activities, the number of villages that have Base Transceiver Stations (BTS) and the spatial lag of economic growth (ρ1) while the open unemployment rate (TPT) and the Gini ratio have no significant effect on growth. economy. Variables that affect e-commerce are economic growth, internet banking users, percentage of population who have cellphones, number of millennials, number of villages that have ATMs and spatial lag of e-commerce (ρ2) while the number of villages with 4G/LTE signals has no effect on e-commerce. commerce. Regencies/cities that provide the highest spillover of economic growth and e-commerce in East Java are Malang, Mojokerto and Madiun Regencies. The three districts were able to provide a positive net spillover.

Uticaj kanala distribucije na profitabilnost banaka

The introduction of digital channels for the distribution of banking services has become a necessity in the conditions of growing digitization and changed customer requirements. Without denying the importance of other marketing mix instruments, banks are increasingly basing their strategic competitive advantage on digital distribution channels. This regularity is especially emphasized given the emergence of digital technology companies (fintech and bigtech) which, owing to the development of digital distribution channels, are gradually taking over numerous financial services from banks. Nevertheless, for certain forms of banking services, traditional distribution channels and personal contact with the banker remain indispensable. The aim of the paper is to examine the impact of the introduction of digital distribution channels on the profitability of banks. The analysis covers the banking sector of the European Union member states in the period 2015-2020. In order to examine the influence of distribution channels (number of branches, number of ATMs, number of POS terminals and number of internet banking users) on the profitability of banks, measured by the return on assets (ROA) and return on equity (ROE), panel regression is used. The results confirm the significant and positive impact of digital distribution channels on bank profitability.

A Study on Influencing Factors of Elderly Consumers' Self-Efficacy in Internet Banking Usage: Exploring Moderating Effect of 60s and 70s

최근 금융산업에서의 디지털 전환이 가속화되며, 인터넷 활용의 취약계층인 고령 소비자의 인터넷 뱅킹 사용 수준을 제고하는것은 중요한 과제가 되었다. 이에 본 연구는 미디어패널조사 11차년도 자료의 60대 이상 3,101명의 응답을 분석하여, 고령소비자의 인터넷 뱅킹 사용에 대한 자기효능감에 영향을 미치는 인구통계학적, 경험적, 심리적 요인을 규명하였다. 주요 연구결과는 다음과 같다. 첫째 고령 소비자의 인터넷 뱅킹 사용에 대한 자기효능감에 미치는 인구통계학적 변수로 성별, 교육수준, 직업유무, 소득수준을 확인하였다. 둘째 고령 소비자의 인터넷 뱅킹 사용에 대한 자기효능감에 영향을 미치는 경험적 요인으로 인터넷쇼핑 경험을, 심리적 요인으로 정보보안우려, 디지털 리터러시, 높은 문제해결의지를 확인하였다. 셋째, 경험적, 심리적 영향요인이 60대와 70대 이상의 연령 구분에 따라 다른 영향력을 갖는지에 대하여 조절효과 분석을 실시한 결과, 모든 변수에서 연령구분에 따라 인터넷 뱅킹 사용에 대한 자기효능감에 미치는 영향력이 다름을 확인하였다. 본 연구의 결과는 고령층으로 구분되는소비자 집단 내에서도 금융행동의 차이를 유발하는 특성이 있음을 경험적으로 밝혀냄으로써 고령 소비자의 비대면 금융 서비스활용과 관련한 논의에 기여할 수 있을 것이다.

Internet Banking Services and Customer Satisfaction in Nawalpur District

The aim of this study was to explore the effect of service quality and customer satisfaction on consumer loyalty in internet banking in the case of the Nawalpur district. The basis for this study was established in its dimensions: they include easy to use, efficiency, security, reliability, and responsiveness. The study also aimed to recognize the elements that influence quality of service along with the concept and importance of service quality in online banking in particular. The study was based on the quantitative research design and the participants in this study were the bank's customers using Internet services. The sample size for this study was maintained at 172 participants. To evaluate the phenomenon of the survey, a closed questionnaire of 5 points on a Likert scale was formulated. The results of this study indicated that there is a significant positive impact of service quality and customer satisfaction on the customer loyalty of Internet banking users in Nawalpur district. Therefore, the Nawalpur banking sector was advised to pay particular attention to all dimensions of the e-service quality and to customer satisfaction.

Analysis Prudential Principles About The Treath of Phishing Sites For Internet Banking Customers

This thesis is motivated by the existence of an internet site that refers to the act of luring internet banking users to visit fake websites designed by cyber-cybers that resemble the official website in such a way as to trick victims through fake emails (or instant messages) and then secretly take the victim's personal information. . Seeing this requires the precautionary principle regulated by banks to find out customer identities, monitor customer transaction activities including reporting suspicious transactions. The type of research used is the Quantitative Method with 30 samples using a nonprobability sampling technique, namely saturated samples. The instrument used is a questionnaire (questionnaire). Data were processed and analyzed using simple linear regression using SPSS 22 for windows. The results showed that the precautionary principle had a positive effect on the threat of phishing sites by 36.2% with t count (3.982) t table (2.048) with a significant level of 0.000 <0.05. This means that the precautionary principle variable partially has a significant effect on the threat of phishing sites on internet banking at Islamic banks in Palopo city. So it can be concluded that with the precautionary principle of the bank and for customers it can reduce the risk of phishing site threats and more guaranteed security of customer data on internet banking at Islamic banks in Palopo city.

A Critical Study On The Impact Of Electronic Banking On Customer Satisfaction

The banking sector has been quickly advancing the usage of Internet banking as a useful and practical instrument to add value for customers. One of the well-liked services offered by traditional banks is to give online users faster, more dependable services. Due to the swift commercial advancement of computer technology, Internet banking can be utilised to draw more clients to execute banking activities at affiliated institutions. The main objective of this paper is to analyse how far the customers are satisfied by using the online banking services. The researcher followed an descriptive method and collected samples through a convenient sampling method with a sample size of 205. From the analysis of the data collected it was observed that most of the respondents are satisfied with the introduction and use of banking in electronic platform as it helps in various ways such as easy access, quick fund transfer and also it was seen that majority of the respondents think payment failure as one of the major disadvantage of electronic banking.

IMPACT OF DEMONETIZATION AND COVID-19 ON THE USAGE OF INTERNET BANKING OF ICICI AND HDFC BANK IN MARATHWADA REGION

Following demonetization and the COVID-19 pandemic, people have preferred cashless transactions or online transactions over exchanging cash currency. Internet banking encompasses a wide range of banking activities that the consumer can perform online. Because these online transactions can be completed from a distance, contact is not required, and the risk of contracting COVID-19 is reduced. As a result, the purpose of this research is to investigate the use of Internet banking in HDFC and ICICI banks in the Marathwada region before, during, and after the pandemic and demonetization. This is a comparative study to investigate the impact of demonetization & Covid19 on the usage of internet banking offered by respective banks. The study focuses on primary data collected through questionnaires. Secondary data was gathered through online articles on economic times, RBI reports, journals, newspapers, and other sources in order to review the literature and understand the theoretical background of Internet banking in India prior to demonetization, during COVID-19 , and after COVID-19. There is a significant difference in the factors influencing the use of Internet banking services at various stages of a pandemic situation. Banks not only provided internet banking services to customers, but they also increased customer loyalty

STATE REGULATION OF INTERNET BANKING IN EUROPEAN COUNTRIES

The purpose of the study. The purpose of the article is to analyze the state of state regulation of Internet banking in European countries. The subject of the study is the legislation and trends of state regulation of online banking in European countries. The research methodology is based on a comparative analysis of legislation regulating online banking in the EU countries on the example of Switzerland and the UK. The main methods of research are comparative legal analysis, statistical analysis of the development of online banking in the EU countries. Conclusion. The growth of technological innovations in the financial sector and active user demand for financial and technological services have led to the need to develop a regulatory framework for Internet banking in European countries. As a result, the EU seeks to create a single financial space that unites providers and users of Internet banking, so it is constantly improving the regulatory framework. The article defines that the key documents at the EU level for state regulation of online banking are the EU Payment Services Directives (PSD1 2007/64, PSD2 2015/2366, the Reviewed Payment Services Directive PSD2 2021/1230). The main prerequisites for the adoption of the Directive were to create a level playing field for payment service providers, protect consumer rights and increase the provision of payment services by non-banking institutions. It is determined that Directive PSD2 2015/2366 updated the existing legal framework for payment services in the EU and introduced increased requirements for transparency and security. The updated Payment Services Directive PSD2 2021/1230 harmonises business rules for all electronic payment service providers across the EU and creates a tiered authorization regime for non-bank payment service providers such as payment institutions. Commission Delegated Regulation (EU) 2018/389 came into force on September 14, 2019, defining mechanisms for electronic payment transactions and online banking to ensure higher levels of security. The state regulation of online banking is considered on the examples of Great Britain and Switzerland. The Swiss financial sector is one of the most competitive in the world and a leader in cross-border wealth management. It offers a first-class environment for technological innovation and its regulatory system is internationally recognised as exemplary.

The role of affordances in continuance and additional purchase intention: The case of internet banking application in Vietnam

This research examined the role of Information Technology (IT) affordance, which affects the value-in-use of Internet banking, and subsequently, the users’ continuance and additional purchase intention, with a specific focus on Internet banking applications in Vietnam. The analysis was based on data from 318 Internet banking users in Vietnam. The online survey is launched purposely to test samples’ online behavior and different online devices they respond to. Confirmatory Factor Analysis (CFA) and Structural equation modeling (SEM) are used for testing the proposed hypotheses. This study found that three characteristics of affordance (i.e., visibility, persistence, and association) are positively associated with value-in-use (i.e., experience and relationship), which has a positive impact on enhancing the continuance intention and the additional purchase intention of users. The findings of this study deliver constructive ideas for banks in Vietnam for prolonging the user intention of customers, in terms of enhancing the value-in-use of their banking applications, and they target mainly the IT affordance related to the technical aspects.

PENGARUH PERCEIVED USERFULNESS DALAM PENGGUNAAN INTERNET BANKING PADA NASABAH BANK NAGARI KANTOR CABANG UTAMA PADANG

Abstract: The study in this study on the analysis of the influence of Perceived Usefulness, Perceived Ease Of Use, Consumer Innovativeness Against Intention Comsumer In The Use Of Internet Banking On Bank Nagari Customers Branch Office Padang). The issues raised in this research are: How is the influence of perceived usefulness towards the intention of Comsumer in the use of internet banking at Bank Nagari customer of Padang branch office (2) How is the influence of perceived ease of use towards intention in internet banking usage at Bank Nagari customer of Padang branch office (3 ) How does Consumer Innovativeness impact on the intention of using internet banking to Bank Nagari customers of Padang branch offices? In this research using descriptif analyse. This analysis for give deep arguement and implemented hypotesis that describe in quantitatif analyse, based on questioner list has been filled by employee. Then those data is analysed by statistic with using SPSS 16 application for windows to testing this research hypotesis with cover Multiple Regression analyse.The result of descriptive analysis shows that there is a positive and significant influence between Perceived Usefulness toward Comsumer intention, there is a positive and significant influence between Perceived Ease Of Use against Comsumer intention there is a positive and significant influence and Consumer Innovativeness towards Comsumer intention there is a positive and significant influence between . Based on the statistical test of three research variables, it is concluded that Perceived Ease Of Use is the most influential variable to comsumer intention.Keywords: Perceived, Userfulness, Internet Banking

Awareness and Usage of Internet Banking Facilities in Pokhara Metropolitan, Nepal

Background: Many businesses’ operating models have shifted as a result of evolution of the internet, and the banking industry has been no exception in recent years. Objectives: The purpose of this study is to determine the internet banking awareness and usage in Pokhara Metropolitan, Nepal. Further, it investigates the factors that affect the internet banking usage in the research area. Methods: A quantitative approach has been employed in this study using descriptive and analytical research design. This study is based on a survey of 225 customers of commercial banks living in Pokhara which are selected purposively. Results: This study finds that the majority of the respondents are aware and use the internet banking services provided by banks mostly for checking the account and bank statement, topping up the mobile phone, transferring money between accounts, and paying utility bills. Similarly, it finds that time-savings, 24 hours’ availability, easy banking transactions, speediness, and reliability are the primary reasons for internet banking usage. Whereas, insufficient understanding of internet banking, preference of traditional banking over internet banking, lack of internet using habit are the major reasons for no use of internet banking services. The regression analysis shows that the factors such as awareness, access, security, and bank support have a significant positive effect on internet banking usages. Conclusion: Internet banking is widely used in Pokhara Metropolitan. Further, increase in awareness level, internet access, secure internet banking, and bank’s support helps to increase the internet banking usage in Nepal.

Credit Card Fraud Detection Using Hybrid Approach of Machine Learning

Abstract: The usage of internet banking and credit cards is growing at an exponential rate. As more people use credit cards, online banking, and debit cards, the probability of becoming a victim of fraud of various kinds also increases. In recent times, there have been a number of instances in which users of credit card companies have, as a result of a lack of understanding, given their card information, personal information, and one-time password to an unidentified fraudulent caller. As a direct consequence of this, fraudulent activity will occur on the account. Fraud is a problem for the same reason that it is tough to track down a con artist who used a phone identity sim or made the call that utilized an internet provider: it is difficult to find them. Therefore, in order to detect fraudulent activity, this research makes use of supervised methodologies and algorithms, and the results are quite accurate. Customers lose trust in an organization when it engages in activities that are fraudulent or illegal, which in turn has a huge negative impact on the organization. Additionally, it has an effect on the total income and turnover of the company. The isolation forest technique is used in this study to classify data sets acquired from professional survey firms in order to detect fraud activities.

Card Fraud Detection using Approach of Machine Learning

Abstract: The usage of internet banking and credit cards is growing at an exponential rate. As more people use credit cards, online banking, and debit cards, the probability of becoming a victim of fraud of various kinds also increases. In recent times, there have been a number of instances in which users of credit card companies have, as a result of a lack of understanding, given their card information, personal information, and one-time password to an unidentified fraudulent caller. As a direct consequence of this, fraudulent activity will occur on the account. Fraud is a problem for the same reason that it is tough to track down a con artist who used a phone identity sim or made the call that utilized an internet provider: it is difficult to find them. Therefore, in order to detect fraudulent activity, this research makes use of supervised methodologies and algorithms, and the results are quite accurate. Customers lose trust in an organization when it engages in activities that are fraudulent or illegal, which in turn has a huge negative impact on the organization. Additionally, it has an effect on the total income and turnover of the company. The isolation forest technique is used in this study to classify data sets acquired from professional survey firms in order to detect fraud activities.

The Effect of E-Service Quality and E-Trust on Customer Loyalty and Mediating Customer Satisfaction of Internet Banking Users

These points of research to analyze the effect of e-service quality and e-trust on customer satisfaction and loyalty of internet banking users. The population in this research was Bank of Kaltimtara customers who had used internet banking services. The sampling technique in this study used a non-probability sampling technique with the accidental sampling method with a total sample of 105 respondents. We performed data analysis using PLS (Partial Least Square) software. The results show that: 1) e-service quality has a positive and significant effect on customer satisfaction, 2) e-service quality has an insignificant effect on customer loyalty, 3) e-trust has a positive and significant effect on customer satisfaction, 4) e-trust has an insignificant effect on customer loyalty, 5) customer satisfaction has a positive and significant effect on customer loyalty, 6) e-service quality has a positive and significant effect on customer loyalty through customer satisfaction, and 7) e-trust has a positive and significant effect on customer loyalty through customer satisfaction. The limitations of research on the use of internet banking, comparisons can be made with other regional banks in Indonesia.

Can Risk Tolerance Moderate Financial Literacy and Internet Banking Behavior During Covid-19?

This study aims to examine whether risk tolerance can moderate the relationship between financial literacy on Internet banking behavior during Covid-19. 133 respondents are chosen as the sample of this study through purposive sampling with criteria. The hypothesis testing of this research was carried out using two models, namely, the direct relationship model and the moderation model. The results show that financial literacy has a positive effect on Internet banking. However, risk tolerance is unable to be a moderating variable. The results give the implication that Internet banking users can be increased by improving financial literacy, and financial risk may not be a significant driver in the use of internet banking during Covid-19.

Predictors of Customer Loyalty in Digital Banking among Indian Youth

Abstract: Loyalty is a highly priced term as the market has one, too many of the same kind mushrooming with a very small variant on the unique selling proposition. This delta variant in the banking industry is called Internet Banking. You could use the same from any geography at any time and on any holiday in any currency. Now this kind of convenience is available in all segments of the service industry globally. All we want to understand is the customer loyalty of the generation born after the introduction of digital banking services in India. This generation never experienced the transition from a train to plane, landline to mobile, automatic to robotic, cash to digicash. The research investigates which factors are essential to build loyalty among these youth and new generation customers using internet banking. A questionnaire was developed and distributed to 328 youth between age 18 and 25 years. They were identified using convenience sampling. The results show that, perceived Ease of use, Attitude, Trust has high impact on Customer loyalty in new generation of Internet banking users. Index Terms: Digital Banking, Customer Loyalty, Structural Equational Modelling

Mediating role of perceived service quality between behavioral characteristics, security risk and internet banking usage

Internet banking is an essential component of banking. However, most bank customers in Nigeria do not make optimal use of the service. The paper investigates the influence of behavioral characteristics, security risk and perceived service quality on internet banking usage. A research model was developed by incorporating security risk to the antecedent variables of the Theory of Planned Behavior with perceived service quality serving as a mediator. A questionnaire was utilized to gather information from 333 bank customers who had signed up for internet banking. According to the results of structural equation modeling, internet banking usage is positively correlated with subjective norm, perceived behavioral control, and perceived service quality. Security risk, on the other hand, has a negative correlation. The use of internet banking is unaffected by one’s attitude. Regarding the relationship with perceived service quality, attitude and subjective norm were insignificant, while perceived behavioral control and security risk were significant. The mediating effect indicates that perceived service quality did not mediate the association between attitude and internet banking usage. However, subjective norm, perceived behavioral control and security risk partially mediate the relationship. Thus, aside from attitude, the study confirms the Theory of Planned Behavior. The findings provide essential insights into internet banking usage behavior, which is relevant to bank managers and industry regulators.

Factors Influencing Internet Banking Adoption: An Empirical Study

In the modem era banks can not afford to ignore the importance of Internet as a delivery channel. Although Internet banking offers several advantages, majority of banks' customers are not using Internet banking as reported in several studies. This paper attempts to identify the factors that influence the adoption of Internet banking and how these factors impact Internet banking usage. A survey of Internet banking users was conducted in the National Capital Region of India, at select locations. Based on literature survey and focus group interviews, research model and hypotheses were developed. Exploratory factor analysis reveals five factors perceived ease of use, perceived usefulness, security and privacy, information about Internet banking, and quality of Internet connection that influence adoption of Internet banking. Further, these factors were regressed on use of Internet banking. Impact of all the five factors was found significant. Information about Internet banking was found to be the most influential factor followed by perceived usefulness and security and privacy.

Acceptance of internet banking services: The role of demographic factors as moderating variables

Understanding the percentage of internet banking service usage, that is inferior to the percentage of mobile banking usage, has been important to observe factors affecting behavioral intention to use internet banking. The purpose of this study is to analyze the determinants of internet banking usage by applying demographics as a moderator of intentional behavior to design the internet banking marketing strategies based on customer needs and wants. This study employs a judgment sampling technique with a sample size of 282 respondents processed by SPSS 23 and WarpPLS 6.0. The factors affecting the use of internet banking services are perceived usefulness, perceived ease of use, as well as perceived security and privacy. However, demographic elements variables (gender, age and education level) are the moderation of perceived security and privacy on behavioral intentions in using internet banking. In addition, men are more focus to on security and privacy than women. Moreover, older people are more concern withconsidering security and privacy more than younger people. Undergraduate/postgraduate and non-graduate people consider safety and privacy. The implication of this study is to improve the security system and determine the target market of internet banking by considering demographic elements factors as athe strategy to maintain and toas well as increase the use of internet banking.

Antecedents of Behavioural Intention to Adopt Internet Banking Using Structural Equation Modelling

Technology is emerging as an as an important banking mode for customers, and although almost all the banks in India are offering Internet Banking, India faces problems related to the digital divide, e-frauds, and high rates of interest, amongst other things. This is causing concern in banks, which are trying to persuade people to adopt their online banking services. Therefore, the aim with this study is to determine the antecedents of behavioural intentions to adopt e-banking in an emerging economy such as India. We did this by administering a questionnaire with 34 questions and nine constructs to which participants responded using a Likert scale of 1 to 5, 1 being strongly disagree and 5 strongly agree. All constructs used in this questionnaire were adapted from literature related to the antecedents of behavioural intentions to adopt e-banking. We received 436 valid responses, which we analysed using Cronbach’s alpha, Confirmatory Factor Analysis, and Structural Equation Modelling. Results show that Performance Expectancy, Hedonic Motivation, Experience, Habit and Attitude, Perceived Website Usability, and Security and Reliability positively influence the intention to adopt Internet Banking, suggesting that policymakers and bankers should focus on improving website usability and hedonic enjoyment while focusing on Internet Banking performance, security, and dependability. In addition, Effort Expectations, Social Influence, Facilitating Conditions, and Trust resulted as not significant influencing factors of Internet Banking usage; Indians appear to find Internet Banking straightforward to use, perceive it as a breeze, and believe they are backed by solid support systems and organisational infrastructures. Moreover, trust is not a driving factor for Indians to adopt Internet Banking because they already perceive it as a trustworthy exercise.