Impact of Electronic Banking Services on Bank Transactions

Salamah, Najah

doi:10.5539/ijef.v9n2p111

Cited by 9 publications

(8 citation statements)

References 2 publications

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“…However, due to a 1% increase in non-performing loans held by commercial banks will lead to a decline in banking sector development by 0.161 per cent. This positive and significant impact is coherent with the findings by Mishra and Pradhan (2009), Cherif & Dreger (2016), Salamah (2017), andAluko &Michael (2018). This, therefore, means there is a long-run relationship between bank-specific variables and banking sector development.…”

Section: Variablesupporting

confidence: 89%

“…Banking communication is getting effective and allowing customers to perform as per their will (Parajuli et al, 2020). According to Salamah (2017), electronic banking has a good and significant impact on Nepal's banking sector development. These studies also indicated that customers' security is a big concern for using e-banking services.…”

Section: Review Of Literaturementioning

confidence: 99%

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Impact of Bank-Specific Factors on the Banking Sector Development in Nepal

Gwachha

2022

QJMSS

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Background: The concept of the banking sector development is multi-dimensional, and it is difficult to establish a single description for it because it is an interconnected process that encompasses increases in the number and quality of banking services. Objective: The major purpose of the study is to examine the impact of bank-specific factors on the banking sector development in Nepal Method: The study applied the vector error correction model (VECM) technique with economic time series data ranging from 1995 to 2020. The study was based on co-integration analysis to determine the long-run equilibrium relationship between the model's variables. Banking sector development is measured by the arithmetic average of the normalized values of banking depth, banking efficiency, and banking stability. Result: The study reveals that banking trade has a positive and significant influence on the banking sector’s development in line with theoretical predictions. Electronic banking and liquidity have a positive and statistically significant role to explain banking sector development in Nepal. In addition, it demonstrates that non-performing loans has a negatively and significantly influenced banking sector development whilst branch network has a marginally negative but insignificant impact on banking sector development. Conclusion: The major conclusion of the study is that there is a long-term equilibrium relationship between bank-specific variables and banking sector development. The dynamic causality of VECM reveals that banking trade, non-performing loans, electronic banking, and liquidity are statistically significant which indicates strong explanatory power to explain banking sector development in Nepal. Recommendation: This study recommends for policymakers as it sheds light on the importance of raising deposits and lending policies and focused on electronic banking. The financial institution authorities should be implied to build systems and skills in liquidity management, assets and liability management, and branch networking management to enhance the banking sector development.

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Section: Variablesupporting

confidence: 89%

Section: Review Of Literaturementioning

confidence: 99%

Impact of Bank-Specific Factors on the Banking Sector Development in Nepal

Gwachha

2022

QJMSS

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“…In order to make internet banking successful, the aim was to ensure efficacy and value of transactions. With the internet becoming a technology that everybody uses, big banks have created an internet banking system that is ready for companies to use and begin building a customer database (Salamah, 2017). E-banking has many advantages such as lower costs and ease of use via mobile and other electronic devices (Bello, 2010).…”

Section: Electronic Bankingmentioning

confidence: 99%

The Effect of Using Mobile Banking Services Applications on Electronic Word of Mouth: The Mediating Role of Perceived Trust

Zalloum¹,

Alghadeer²,

Nusairat³

2019

IBR

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The objective of this study is to examine selected dimensions of mobile banking, (such as Ease of Navigation, Personalization Level, Information Quality, Rewards) on e-wom through the mediating role of perceived trust. Self-structured questionnaire is used to collect data which is then shared via Google forms online and targeted only to the users of mobile banking services application in Jordan. Quantitative and analytical methods were used to analyze the data. 499 questioners were returned, 30 of which were rejected as they were not using mobile banking service applications. 469 of the questionnaires were accepted and analyzed using reliability test analysis, descriptive statistics and regression process. The findings of the study indicate that there is a statistically significant effect of mobile banking (Ease of Navigation, Personalization Level, Information quality, Rewards) through the mediation role of perceived trust on relationships between using mobile banking services and e-wom. It is recommended that banks pay more attention to mobile banking and build powerful and good E-WOM in order to spread the use of mobile banking rapidly.

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“…(Mateka, Gogo, & Omagwa, 2016) assessed effects of internet banking on the financial performance of listed Commercial banks in Kenya and the key finding of the study revealed that internet banking has a positive influence on bank incomes, operating costs, and loan book, and customers' deposits. (Salamah, 2016), investigated the Impact of Electronic Banking Services on Bank Transactions and his findings revealed that electronic services have contributed to increasing both the financial activity of the bank as well as the number of its clients. In the banking sector, professional training can be given to banking officials, so that they can effectively work on the electronic system.…”

Section: Empirical Reviewmentioning

confidence: 99%

An Assessment of Customers’ Adaptability to Technological Innovations in Kenya’s Banking Industry: Effects of Customers Perceptions

2020

RJFA

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To keep abreast of changes in the global financial environment, Kenya has experienced a weighty transformation in most of its industries, including the banking sector. The major changes witnessed in the sector have been immense advances in financial technological innovations which are as a result of uproars in the global financial environment. With the rapid and extensive increase in technological innovations, new distribution channels in the financial sector are coming up speedily. These include Automated Teller Machines, Mobile Banking and Internet Banking. These have made accessibility of money easy to bank customers since they can get it at their convenience. The evenly spread of Automated Teller Machines in most parts of the country has further made it easier for bank customers to withdraw and deposit money and/ or cheques at their convenience. These facts notwithstanding, it has been observed that most Kenyans bank customers have not fully embraced the technological innovations. This has been largely caused by bank customers' negative perceptions towards technological innovations. As a result, most bank customers have clung to the old traditions which make them resistant and non-adaptable to technological innovations. These have been witnessed in the behaviors of most bank customers whereby they are still queuing in the banking halls despite the availability of Mobile Banking, Automated Teller Machines, and Internet Banking. The general objective of the study was an assessment of customers' adaptability to the technological innovations in Kenya's banking industry with the effects of customers' perceptions. A specific objective was derived from the main objective. Two questionnaires were designed which were used to collect the views of the respondents. The population of the study comprised of senior managers from ten Commercial banks and bank customers employed in different organizations and those who were self-employed. The banking customers were selected at random. A cross-sectional ex-post facto research design was applied. Findings revealed a significant relationship between technological innovations and customers' adaptability in Kenya's banking sector. The significant moderating effect of customers' perceptions on the relationship between technological innovations and customers' adaptability in Kenya's banking sector. The study suggested that bank management should intensify their campaign on awareness stressing the benefits that accrue from the use of financial technological innovations; tighten their securities especially in ATMs and Internet Banking and charge minimum amounts for the services. Prior studies hitherto concentrated on the benefits of technological innovations to the banking sectors and their employees; the extent by which technological innovations improved the financial performance of the banking sector and developed Kenya's technological industry. The studies greatest contribution to knowledge is that to attain maximum technological innovations, bank customers' negative perceptions an...

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Impact of Electronic Banking Services on Bank Transactions

Cited by 9 publications

References 2 publications

Impact of Bank-Specific Factors on the Banking Sector Development in Nepal

Impact of Bank-Specific Factors on the Banking Sector Development in Nepal

The Effect of Using Mobile Banking Services Applications on Electronic Word of Mouth: The Mediating Role of Perceived Trust

An Assessment of Customers’ Adaptability to Technological Innovations in Kenya’s Banking Industry: Effects of Customers Perceptions

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