Customer Perception About The Security And Commitment Of E Banking Services Offered By Commercial Banks An Empirical Study
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| Author | : Dhiraj Jain |
| Publisher | : |
| Total Pages | : 17 |
| Release | : 2015 |
| Genre | : |
| ISBN | : |
Wide usage of Internet for various purposes has changed the entire scenario of banking, business, education, service and communication. E-commerce is the result of internet and has allowed businesses and people to interact and undertake all types of transactions efficiently and easily but in addition to all such gifts, it also involves a serious problem i.e., of security and privacy issues. The study has been undertaken with a purpose to analyse how far the commercial banks have been able to deliver the commitments made by them and how far have they been able to deal with the security issues. The customer's perception regarding the commitment and security offered by commercial banks regarding e-banking services has been the main objective of the study. Stratified sampling method was used and the respondents from all demographics from the state of Rajasthan have been considered. A well designed, pre-tested questionnaire was prepared for this purpose. ANOVA has been used to analyse the significance of the results. It was found that all demographic factors have an impact over the perception of the customers about the security and commitment of e-banking services offered by commercial banks, varied across demographics and was dependent upon the upon the demographic determinants. The differences in the responses was not by chance.
| Author | : Abdullah Omar |
| Publisher | : |
| Total Pages | : 24 |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
The Promotion of online banking technology enabled the banks to enhance its operations with cost cutting effectively and efficiently in order to handle daily banking affairs via online banking channel. Customers are being facilitated by reducing their visits in banks and they can carryout their transactions via internet or ATM Machines instead of personally visiting the branches. The researches so far done reveal that mostly the customer of banks are unaware about online banking services and there is a lack of trust among customers on online banking services. Especially Pakistan is far behind the developing countries as a lot of services regarding online banking are not available in Pakistan. This study examines the customer perception, preferences, problems and suggestions about online banking in Pakistan. The study reveals that mostly customers prefer internet banking (IB) services over branch banking due to reliability, convenience, speed, safety and security, cost effectiveness, user-friendly, and error free system. In contrast the parallel finding shows that security problems, lack of trust and knowledge, ATM machine problems etc. affect the adoption decision of customers of internet banking services. The services which are not in Pakistan e.g. Cash depositing facility through ATM machines, “SMS/E-mail Alert” Service, Transfer funds through ATM machines, Payment of utility bills through internet are found most required / demanding services by the customers in this study. This study will helps the banks that how they can improve the level of online banking services in Pakistan and what are the potential issues or services that should be introduced in society to facilitate the customer in a better way and to compete their rivals in banking industry as a whole.
| Author | : P. Ambiga Devi |
| Publisher | : |
| Total Pages | : |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
Nowadays banks are working hard to attract customers and retain their market share by providing them with various innovative services through e-banking. The banks are combining new electronic delivery channels almost everyday to their existing services. Bank services are now just at the distance of one click from the mouse. Though e-banking is getting popular and spreading very fast, in India most people do not know it and people who know about it are reluctant to use it due to misconceptions like password hacking, privacy, security etc. The present study investigates the level of awareness among the customers on the use of e-banking and their expectations from e-banking. From the findings of the study, it was inferred that the customers are satisfied with the quality of e-banking services. But they face technical as well as administrative and procedural problems. Further to promote e-banking services, it is of importance that the banks must ensure quality in customer service. 'Quality in work' and 'satisfaction of the customers' are the two key words, which must be given sternest attention to promote a product.
| Author | : Aljawarneh, Shadi A. |
| Publisher | : IGI Global |
| Total Pages | : 339 |
| Release | : 2016-09-23 |
| Genre | : Business & Economics |
| ISBN | : 1522508651 |
Technological innovations in the banking sector have provided numerous benefits to customers and banks alike; however, the use of e-banking increases vulnerability to system attacks and threats, making effective security measures more vital than ever. Online Banking Security Measures and Data Protection is an authoritative reference source for the latest scholarly material on the challenges presented by the implementation of e-banking in contemporary financial systems. Presenting emerging techniques to secure these systems against potential threats and highlighting theoretical foundations and real-world case studies, this book is ideally designed for professionals, practitioners, upper-level students, and technology developers interested in the latest developments in e-banking security.
| Author | : Naveen Sharma |
| Publisher | : |
| Total Pages | : |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
Internet technology is rapidly changing the way personal financial services are designed and delivered. Hence, banks have found themselves at the forefront of technology adoption for the past three decades. Banks began to look at electronic banking (e-banking) as a means to replace some of their traditional branch functions. Although e-banking systems provide us with easy access to banking services, they have introduced new business challenges. The study is focused on the perceptions of customers regarding the use of Internet banking (i-banking) services. A structured questionnaire was administered to various target groups. Customers with at least one year of experience in i-banking are identified by visiting retail/ATM branches of different banks in Chandigarh. A total of 145 valid questionnaires were obtained from the respondents. Hypotheses were tested at the level of 0.05 significance. Independent sample t-test, ANOVA and Pearson correlation were undertaken. The findings of this study will be useful for the banking sector in assessing the impact of information technology and in formulating appropriate strategies for building customer loyalty, thereby enabling them to retain customers.
| Author | : V. Maha Lakshmi |
| Publisher | : LAP Lambert Academic Publishing |
| Total Pages | : 0 |
| Release | : 2014 |
| Genre | : Business & Economics |
| ISBN | : 9783659210990 |
This book was carried out to ensure about how the customers are perceived towards the value added services rendered by banks. This research work analysis the concepts of value added services through framework analysis.It focuses about the perception of the customers towards the services like ATM facility, Internet facility, Mobile banking facility, E- banking, E-pay etc., This study helps whether the customers are aware about the services rendered by banks, whether the customers are utilizing their services, how far they are satisfied towards the services offered by banks. This study will help the banking sector to enhance them self by satisfying their customer needs. It reveals how far the demographic profile of the customer like Age, Gender, Marital status, Occupation, Income etc., influence the customer perception towards Value added services.
| Author | : Silvance Onyango Abeka |
| Publisher | : Anchor Academic Publishing (aap_verlag) |
| Total Pages | : 113 |
| Release | : 2013-06-16 |
| Genre | : Computers |
| ISBN | : 3954890488 |
It is increasingly more interesting to the bank managers to understand what is important to customers when it comes to Internet banking, and especially banking conducted by the customers themselves. Corporate customers and Internet banking have been studied very modestly in the past, especially the decision-making factors that drive customers to go online. The purpose of this research is to identify the factors that influence corporate customer’s adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by the use of Trade Finance customers of an East African bank that serves as a target sample. The Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customers, acts as a foundation for the development of an extension of TAM that is suitable for corporate customers. The study involves 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures which include the use of SPSS in order to carry out regression analysis.
| Author | : Shalendra Singh Rao |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2022 |
| Genre | : |
| ISBN | : |
In today's competitive environment, every bank attempts to build long-term relationships with its clients in order to grow sales, develop loyalty, build resistance to unfavorable brand aspects, and minimize price susceptibility. Any organization's ultimate purpose is profit production, which may be accomplished via client perception and satisfaction. A pleased consumer will return and suggest electronic banking services to others, resulting in increased sales and profits. Banks are no exception, since them, too, live on profit. Client perception and satisfaction are seen as fundamental conditions for customer retention and loyalty, and so contribute to the achievement of economic objectives. Banks are gradually diversifying their operations by offering both online and traditional banking. Internet banking is only a supplement to traditional branch banking. The main objective of this study was to examine the perception of the customers towards e-banking services of the select banks and to study the level of satisfaction of customers on e- banking services of banks. 110 respondents were identified for measuring Customers' Satisfaction towards adoption of technology enabled banking self-services using survey method. To identify the level of satisfaction of customers on e- banking services of banks ranking technique is used. The consumer expects a high degree of satisfaction, since customer expectations in electronic banking are quite high, and competition is fierce, with little diversity in the types of services supplied. As a result, bankers have recognized the critical nature of client happiness in online banking.
| Author | : Silvance Onyango Abeka |
| Publisher | : GRIN Verlag |
| Total Pages | : 112 |
| Release | : 2012-06-28 |
| Genre | : Computers |
| ISBN | : 3656226466 |
Master's Thesis from the year 2009 in the subject Computer Science - Internet, New Technologies, grade: B, , course: MBA (INFORMATION TECHNOLOGY), language: English, abstract: It is increasingly more interesting to the bank managers to understand what is important to customers when it comes to Internet banking, and especially banking conducted by the customers themselves. Corporate customers and Internet banking has been studied very modestly in the past, and especially the decision-making factors driving customers to go online. The purpose of this research is to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample. Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customer acts as a foundation for building an extension of TAM suitable for corporate customers. Due to the quantitative nature of the study, the results are analysed with statistical measures. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
| Author | : United States. General Accounting Office |
| Publisher | : |
| Total Pages | : 60 |
| Release | : 1998 |
| Genre | : Banks and banking |
| ISBN | : |
