Open Banking API Framework to Improve the Online Transaction between Local Banks in Egypt Using Blockchain Technology

Hefny, M. M.; Helmy, Yehia; Abdelsalam, Mohamed

doi:10.12720/jait.14.4.729-740

Cited by 5 publications

(3 citation statements)

References 19 publications

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“…Difficulty in use by older customers [23][24][25][26] Blockchain A faster, cheaper, and more efficient service; risk reduction; interoperability Limited information about data use; the granularity of privacy data [26][27][28][29] Big Data More efficient and faster digital services Privacy and data security [19,30] Source: The authors (2024).…”

Section: Complexity In Identification;mentioning

confidence: 99%

“…Furthermore, as observed in the studies by [26][27][28][29], blockchain technology presents a series of benefits in the financial sector, promoting faster, more economical, and efficient services, however, it is essential to consider the risks associated with its use. The lack of detailed information about data handling and the granularity of privacy-related aspects are critical issues to be faced in the implementation of this technology, as highlighted by the authors.…”

Section: Complexity In Identification;mentioning

confidence: 99%

“…Regarding the occurrence of bank accounts, traditional banks emerged as leaders, representing 57.07% of participants' choices. Notably, 73.33% of customers named traditional banks as their main bank account, a possible explanation for these findings would be the challenges presented by [14] regarding traditional banks, as customers begin to adopt digital banks in their secondary accounts, but also cautiously, due to the possible risks of this new scenario [19][20][21][22][23][24][25][26][27][28][29][30].…”

Section: Profile Studiedmentioning

confidence: 99%

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Evaluation of the Benefits Generated by Sustainability 4.0: A Study of the Perception of Banking Sector Customers

Filgueiras,

Melo,

Guimaraes Junior

et al. 2024

Sustainability

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This paper aims to evaluate customer perceptions regarding the benefits generated by sustainability 4.0 in the banking sector through a survey. A structured questionnaire was developed with 55 factors divided into economic, social, and environmental dimensions. A total of 90 questionnaires were collected. Descriptive statistics and Kendall’s coefficient of agreement were used with the intention of measuring the degree of agreement or disagreement between bank customers’ responses. The results indicated a positive perception of customers regarding the relationship between sustainable practices and economic, social, and environmental aspects, with a relatively high agreement. The best-rated benefits were related to economic and environmental aspects, such as reducing service time and efficient use of digital resources. However, there was a diversity of opinions regarding social aspects, with some issues receiving lower ratings, especially related to the permanence of employees and the autonomy of elderly customers. This suggests concerns about the impact of technology on maintaining banking jobs and the accessibility of financial services for specific groups, such as the elderly. It is concluded that by focusing on customer perception, the study offers a holistic view of the implications of sustainability 4.0, going beyond traditional analyses focused on organizations.

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