Banking Services Research Articles

THE INFLUENCE OF LEADERSHIP STYLE TRANSFORMATIONAL, COMMITMENT ORGANIZATION WITH USE INTERVENING VARIABLE SATISFACTION WORK TO ORGANIZATIONAL CITIZENSHIP BEHAVIOR (OCB) AT PT BRP KEDUNG ARTO, SEMARANG

Bank as one of the companies that prioritizes service quality is required to be able to provide the best service and satisfaction for customers. All parts are elements of bank HR that provide important contributions to service quality, therefore employee behavior plays an important role in a bank's service. This study aims to analyze the effect of transformational leadership and organizational commitment on organizational citizenship behavior with job satisfaction as an intervening variable. This study writing uses primary data obtained from distributing questionnaires using census techniques to 101 employees of the PT BRP Kedung Arto head office, Semarang. Data analysis in this writing uses the technique regression. The results of the writing show that transformational leadership and organizational commitment have a positive and significant effect on job satisfaction, and transformational leadership, organizational commitment, and job satisfaction have a positive and significant effect on organizational citizenship behavior . However, the results of this writing also found that job satisfaction is a less strong antecedent to organizational citizenship behavior and is a less good mediating variable between transformational leadership and organizational commitment to organizational citizenship behavior. Considering that OCB is highly influenced by the performance results of employees, it is necessary to pay regular attention to salaries, rewards and matters related to employee performance stimulation. Because some of these things are dynamic, the company needs to update them regularly.

How Cloud Computing is Facilitating Interoperability in Banking and Finance

This comprehensive article examines the transformative role of cloud computing in enabling interoperability within the banking and financial services sector. The article explores how cloud technologies revolutionize banking by facilitating unprecedented integration, efficiency, and innovation across systems. Through analysis of recent industry research and empirical data, the article investigates key aspects, including implementation benefits, operational improvements, and critical challenges. The findings demonstrate that cloud-enabled interoperability has become a strategic imperative for financial institutions, driving enhanced customer experiences, operational efficiencies, and innovative capabilities. The article also addresses significant security, compliance, and legacy system integration considerations, providing insights into how financial institutions can navigate these challenges while leveraging cloud technologies for competitive advantage in an increasingly digital banking ecosystem.

Does mobile banking service quality matter? A two-staged structural equation modeling-artificial neural network approach

Does mobile banking service quality matter? A two-staged structural equation modeling-artificial neural network approach

ROLE OF RURAL BANKING: A STUDY

Rural masses have lack of awareness about banking facilities. Banks provide loans to farmers and entrepreneurs in rural areas. Rural people use mobile phones but they are not interested in mobile banking. Banks provide financial assistance to rural masses. Banks emphasize to increase banking habits among rural masses. Rural people are not interested in digital banking due to lack of knowledge. Rural people suffer due to inadequate number of bank branches in rural areas. Rural masses face difficulties in availing the banking facilities due to poor infrastructure. Bank employees are not able to provide banking services accurately to rural customers. The study is based on primary data and secondary data. Primary data has been collected from rural areas. Secondary data has been collected from journal articles. In this paper, an attempt has been made to find out the role of rural banking.

Peran Digitalisasi Perbankan dalam Meningkatkan Daya Saing: Suatu Tinjauan Konseptual

The development of technology is currently very rapid. Almost all aspects of life use technology, and in the world of banking, The digital era has changed business patterns in the banking era. The convenience of the technology used is expected to provide convenience and speed in transactions, known as banking digitization. Banking digitalization is a banking service that utilizes digital technology to meet customer needs to realize the digital economy as aspired to with the many new products issued by banks through technology that may facilitate customer transactions. This is expected to satisfy customers and become loyal, so it is not easy to switch to another bank. This can also strengthen the bank's positioning and increase the bank's competitive advantage. This study is discussed using a qualitative descriptive research method. The analysis technique used is a type of literature study (literature review). The aims of this research are 1. To describe the definition of banking digitalization, 2. To discuss the role of banking digitalization in increasing competitiveness. 3. To explain what banks must do in the digital era. The discussion is carried out by describing the digitization of information and banking, digital banking facilities, the benefits of digital banking, technology to increase company competitiveness, the advantages of banking digitalization, success stories of business strategies in implementing digitization, things that a company must do in facing the digital era, and policy recommendations.

Impact of Security, Perceived Usefulness, and Brand Image on Fintech Adoption and Customer Satisfaction in Pakistan’s Financial Sector

Fintech enhances customer satisfaction by simplifying payment processes and fostering trust, essential for positive engagement. Despite growing adoption in Pakistan and globally, security concerns, such as theft and inadequate measures, create customer apprehension. To increase trust and adoption, enterprises must implement strong security systems and awareness campaigns. While brand image has little impact on fintech adoption, a positive reputation fosters trust. Key factors for adoption include perceived usefulness, ease of use, and trust in the technology. A Cronbach’s alpha of .930 confirms high reliability in mobile banking service quality. Trust and security are crucial for widespread fintech acceptance.

Conventional Banking Strategy in Facing Digital Financial Institutions in the Era of Banking Competition

Industry 4.0 is an era of rapid development or change that covers all aspects of industrial activity and human life using digital technology and the internet. Industry 4.0 is also known as a systematic production activity through the use of wireless technology and big data, which makes data use more precise with server systems, and integrates all operations automatically into the system. The data collected and analyzed in this study were collected and analyzed to produce authoritative studies and achieve research objectives. This study uses a data collection method through library research. The data collected comes from English and Arabic literature, Islamic banking, journals, and other sources found in libraries and other information centers. Digital banks are expected to facilitate the backup and analysis of bank consumer data. To make it easier for banks to maintain customer relationships, handle customer complaints better, and improve products and services that are faster, cheaper, clearer, more accurate, and better for customers. The banking industry faces new challenges and expectations during this digital economy era. Companies are turning to digital banking to retain their old clients and attract new clients from the millennial generation. Digital banking is a term that refers to the use of technology in banks. It refers to banking services that use digital technology to meet client needs and develop the desired digital economy.

An exploratory examination of the willingness to adopt mobile banking services

An exploratory examination of the willingness to adopt mobile banking services

Perlindungan Hukum Nasabah dari Kejahatan Phising dalam Layanan Perbankan Digital di Indonesia

The digitalization of the banking sector, driven by the Fourth Industrial Revolution, has significantly impacted the ease of financial transactions through digital banking services. However, this progress also creates vulnerabilities to cybercrimes, particularly phishing, which aims to steal customers' personal data via fake websites or messages. This article examines relevant legal frameworks, including Law No. 19 of 2016 on Electronic Information and Transactions (EIT Law), the Indonesian Criminal Code (KUHP), and regulations issued by the Financial Services Authority (OJK), such as POJK No. 12/POJK.03/2018 on Digital Banking Services. Employing a normative qualitative approach, the study explores the legal protection available to customers as phishing victims and the responsibilities of banks in preventing and addressing such threats. This article recommends strengthening banks' technological security systems, enhancing customers' digital literacy, and enforcing laws more effectively to establish secure and reliable digital banking services.

Performance Evaluation of Islamic Banking Services Industry: Evidence from GCC

This study documents the comparative financial performance of the Islamic Banking Services Industry (IBSI) in the Gulf Cooperation Council (GCC) region. After drawing the performance evaluation framework (based on the CAMEL framework), the research conducted data analysis of the Islamic Banking Services Industry (IBSI) in the GCC region for 31 quarters (2013Q4–2021Q4). The analysis examines capital adequacy, asset quality, management performance, earnings, and liquidity management. Objectively classified data trends are reported through graphs. Additionally, the research documents internal determinants of financial performance. Findings suggest that the GCC-IBSI has shown overall progress in achieving primary objectives (commercial performance), including healthy capital adequacy, cost control, equity returns, and liquidity management. Capital adequacy, cost control, and liquidity management significantly contribute to financial performance. Managerial implications include cost control, reduction in non-performing loans, and prudent liquidity management. There exist opportunities in the GCC-IBSI for investors, given the mismatch in demand and supply of Islamic financial services. This study contributes to the literature by documenting findings on the achievements of the primary objective of IBSI in multiple GCC-IBSI markets comparatively.

A Critical Review: "Unlocking Digital Prosperity and Sustainable Development Through Digital Banking Services”

Objective: Empirical evidence indicates that in most emerging nations, including Sri Lanka, the use of digital banking services is not up to the level expected. The aim of this review is to critically evaluate the existing literature to identify gaps in body knowledge that might prompt future research by integrating the most significant variable impacting the utilization of digital banking services. Method: The effort has been completed by referring to previous studies. 135 articles from databases like Google Scholar and JSTOR were reviewed to find the most relevant literature that supports this review. Result and discussion: The review reveals inconsistencies in the literature, necessitating new research incorporating factors such as perceived usefulness, perceived ease of use, perceived security, knowledge, rewards, and moderators like education and experience to identify effective solutions. Research implication: the findings of the study enrich the existing body of knowledge by providing a multi-dimensional approach to using digital banking services, especially the incorporation of moderators, which may produce better insights into explaining user behavior. Originality and value: The paper examines the variables affecting the use of digital banking services in developing nations, particularly within the Sri Lankan context, where distinct obstacles such as perceptive hurdles, inadequate digital literacy, and infrastructural gaps are present. The growing utilization of digital banking services may influence nations' sustainable development goals; hence, governments and banks should collaborate to promote financial inclusion and foster sustainable economic growth.

Product Types Changes after the Russia-Ukraine War

The events of February 24, 2022 had a profound impact not only on the events in the world, but also on the banking sector of the specifics. After this period, a mass influx of foreigners began on the territory of Georgia, which after a short period of time had a huge impact on the appearance of existing products. For example: the cost of the concept service at one Bank if it amounted to 20 GEL monthly for all citizens of all countries before 2022, the Bank decided to increase the non-benchmark fee to 25 GEL per month for foreign nationals. Since the mentioned restriction did not have a huge impact on anything, after that the commission on the obligatory payment of a foreign citizen was introduced in the banking fields, which meant that a foreign citizen was obliged to pay the commission for the review for opening an account in the bank, which is determined by 50 GEL. Regardless of whether the answer would come positive or negative, this commission was mandatory and is for all non-resident persons. The paper discusses these and other events in detail. It is clarified - what exactly has changed in the banking sector after the massive influx of foreign citizens and the increase in the number of account openings. Specific facts are presented, which is currently happening in all commercial banks. It is recommended - what method should the user apply when opening an account, using personal banking services, using an individual safe, registering property. Relevant areas are given, with their service prices, which will help both the receiver and the service provider to get the information they need in advance. Keywords: Concept Services, Tariff Sanctuary, National Regulations.

Pentagonal Financial Analytical Study of Madhya Pradesh Gramin Bank

Madhya Pradesh Gramin Bank (MPGB) was incorporated on 1 April 2019 under the Regional Rural Bank Acts,1976 provisions, and the Government of India Gazette notification No. S.O. 291 (E) dated 11 01-2019. It emerged for the public interest and the area's development served by the Regional Rural Bank. The operational area of the bank spreads in 39 districts of Madhya Pradesh. Bank is providing banking services in a better way in rural areas of Madhya Pradesh. It is proved in annual reports and balance sheets of five years of the Bank. The bank has to shape its commitment more effectively.

Digital Risk Management: A Study of How Firms Mitigate Digital Risks and Threats

The banking industry has seen a sharp rise in the use of AI services over the last ten years, which has improved client satisfaction and efficiency. The machine learning (ML), one of artificial intelligence's primary building blocks, has caused a paradigm change in the banking services sector. Every new technology that is introduced carries with it new threats. Finding such hazards is only the first step; you also need to analyse, evaluate, treat, regulate, and keep an eye on them. Risk is characterised by three elements: the possibility of loss, the unpredictability of the result, and the necessity of making a decision. According to this concept, a risk management strategy should be divided into three stages to address risks: planning ahead, carrying out risk management tasks, and maintaining and enhancing risk management. The first two stages could appear self-evident. But it's critical to recognise that risk management is a continuous process that requires constant attention. Continuous risk management is intended to avert issues, enhance product quality, make better use of available resources, and foster teamwork.

Factors Favoring the Adoption of Green Finance by Financial Institutions In Dakar: An Exploratory Study

As with any organization, financial institutions, particularly in Dakar, play a crucial role in low-income and emerging economies by mobilizing capital and investing in climate change mitigation. Drawing on neo-institutional theory, this exploratory study aims to understand and identify the factors that may influence the adoption of green finance by banks in Dakar. To achieve this, interviews were conducted with five (5) bank CEOs and three (3) solar energy stakeholders (bank clients), and the data were analyzed using thematic categorical content analysis. The findings, based on the interviewees’ responses, reveal that top management support, proactive institutional strategies, capacity building, incentive policies, market share development, allocation of funds to green projects, and the digitization of banking services are likely to influence the adoption of green finance by banks in Dakar. Furthermore, the direct involvement of monetary and regulatory authorities, through the development of specific regulations that encourage financial institutions to adopt green finance, is essential.

Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans

Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better evaluate the granting of credits, and therefore makes it possible to reduce overdue credits. Methods To this end, the method used consists of using a regression analysis and a Pearson correlation applied to the financial data of Moroccan banks observed during two distinct periods, namely 2007-2014, considered pre-fintech, and the period 2015-2022, considered as the fintech period. Results With the emergence of the fintech era, the Moroccan banking situation improved slightly compared to the pre-fintech period: bad debts did not increase despite the significant increase in net banking income and the size of banking assets during the fintech era. Conclusions The implementation of fintech has improved customer relationship management, credit risk analysis and loan monitoring services, which ultimately reduces non-performing loans and improves the coverage of non-performing loans by provisions. The main implication of the results allows us to deduce that the implementation of fintech makes it possible to have a positive impact on overdue credits, and they are also likely to serve as a lever for the inclusion of those excluded from banking services.

Enforcement of consumer rights protection laws and intention to reuse digital financial services among Generation Z youth: Empirical evidence from Vietnamese commercial banks

Digital financial services are crucial in boosting the competitive edge of businesses and economies in numerous developing nations. This study aims to explore the factors that affect consumers’ perceptions of the implementation of consumer protection laws and their willingness to continue using digital financial services. Data were collected through interviews with 689 Gen Z consumers (born after 1996) who have used digital financial services in Vietnamese commercial banks. The results of the partial least square – structural equation modeling indicate that six factors influence attitudes toward the enforcement of consumer protection laws, in descending order: perceived benefits, understanding of legal regulations, perceived asymmetry, perceived risk, understanding of technology and digital finance, and understanding of dispute resolution. Additionally, attitudes toward law enforcement, as well as understanding of technology and digital finance, positively impact consumers’ intention to reuse digital financial services, while perceived risk has the opposite effect. Furthermore, all six independent factors impact the intention to reuse digital financial services through the mediating role of attitudes toward the enforcement of consumer protection laws. The study’s findings also lay the groundwork for policy recommendations for legislative authorities and strategic guidance for service providers and consumers in emerging markets in the future. AcknowledgmentThis study is the result of collaboration between researchers from the University of Law, Hue University, and School of Business and Economics, Duy Tan University. The authors would like to thank both institutions for their support and facilitation in the publication of this research. This study was conducted under project code DHH2024-12-85, Decision No. 298/QĐ-ĐHH dated March 27, 2024, issued by the Director of Hue University.

Islamic or Conventional Banking

Purpose: The purpose of this research study is to examine the banking preferences of Kuwaiti university students, their preferences between Islamic and conventional, the reasons supporting their choice and, as a measure of satisfaction, the likelihood of them recommending their bank to their friends and family. Design/methodology/approach: We conduct a short survey among undergraduates using a 4-item paper questionnaire physically distributed and collected at a Kuwaiti business school. The large response (n= 503) is analysed and descriptive statistics used to present the results Findings: Results indicate a majority prefer Islamic banking and that the main reason for this is their religion. Those students who opted for conventional banks gave social reasons such as recommendation for their choice. A higher level of satisfaction was recorded for Islamic banking customers. We conclude that Islamic banks have managed to match their ethical and religious appeal with the delivery of efficient and convenient banking services that are valued by the student segment. Practical Implications: Our results are of interest to those offering retail banking services in binary markets where conventional banks compete with Islamic banks in addition to researchers in this domain. For Islamic banks, the significance of maintaining a strong reputation with the underpinning of robust Shariah principles is emphasized. Originality: The paper contributes fresh understanding to the acceptance of and satisfaction with Islamic banks and their products and services among a strategically important segment. It provides evidence suggesting a bright future for Islamic banking in Kuwait and the wider Gulf region.

Service Quality Gap of Rural Customers Towards Banking Services in Karur Vysya Bank of Virudhunagar District

There are many villages in India, but they are not developing as quickly as the cities. Because of the lack of technology availability and infrastructure and other factors, customers in rural and urban areas have very different expectations and perceptions of products and services. Using the SERVQUAL test, we aim to determine the KVB rural customers' expectations and perceptions of service quality. Service quality expectations and perceptions differ from person to person and bank to bank. Service quality leads to customer retention and prospective customer base. We discovered that there is a big gap between the rural customer’s expectation and perception. Further we provide suggestion to karur vysya bank to put research and development team among rural customers and improve the bank services accordingly.

PROVISION OF BANKING SERVICES IN THE CONTEXT OF THE SUSTAINABILITY OF THE BANKING SYSTEM: CURRENT TRENDS AND DEVELOPMENT DIRECTIONS

The article examines banking services in the context of the stability of the banking system: current trends and directions of development. The current stage of development of the global banking system operates under conditions of intensified competition and crisis phenomena in financial markets. One of the main factors in the successful development of the domestic banking system is the policy of constant innovations.Currently, innovation is a key factor in the stability, competitiveness and sustainable economic growth of domestic banks. The sustainable development of the national economy is accompanied by an increase in the volume of financial transactions and an increase in the importance of the domestic banking sector. The banking system, being one of the most important links of the market economy, affects the life of society in many ways. It not only provides a mechanism for interregional redistribution of monetary capital, but is also a key element of the settlement and payment mechanisms of the country's economic system. This fact determines the importance of the banking sector in the socio-economic development of the state.The current realities of the banking business contribute to the identification of the main catalysts of domestic banking innovation activity: globalization of world financial markets and markets of banking services; growing competition from the banking and non-banking sectors; the world financial crisis. The above-mentioned factors significantly affect the qualitative and quantitative composition of banking institutions and their services and lead to key changes in consumer behavior, thus leaving banks with the only opportunity to preserve and increase their competitive advantages through the introduction of innovations, the direction of which determines the strategy for the development of the banking sector on medium-term perspective. Based on the results of the research, it was established that the problems accumulated in the national banking system can be solved by applying the experience of Great Britain, and the main postulates should be adapted to the national banking system, which will contribute to the development of the domestic market of banking services and increase the stability of the national banking system.