The adoption of banking technology and electronic financial services: evidence from selected bank customers in Ethiopia

Jerene, Wondwossen; Sharma, Dhiraj

doi:10.1504/ijef.2019.10025686

Cited by 3 publications

(3 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…The indices for e-banking can be witnessed from three perspectives i.e. adoption and usage (e-banking usage frequency, number of users, variety of transaction availed and channels used), system and technology (number and variety of technology platforms used, system accessibility and performance, new methods and innovativeness) as well as customer satisfaction and impact (willingness, loyalty, affordability and financial inclusion [13,14]. Developments in ebanking have therefore been driven by emerging business needs coupled with in mobile and internet technologies.…”

Section: E-banking In Kenyamentioning

confidence: 99%

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

Mwakera,

Riwo-Abudho,

Abudho

2024

AJEBA

View full text Add to dashboard Cite

Aims: The mobile and internet revolution has influenced creation and delivery of financial services leading to more innovative ways of linking customers and partners. Electronic Banking (e-banking) has opened up a new channel of banking resulting in new capabilities for banks as intermediaries. The research questions that the study sought to answer include, the role of mobile banking on the financial performance in Kenyan commercial banks, the effect of Electronic Funds Transfer (EFT) on the financial performance of Kenyan commercial banks. Study Design: The research adopted descriptive design with quantitative data approaches. Place and Duration of Study: The target population was made up of 24 Kenyan Commercial Banks in the North Coast region of Kenya with a total of 240 employees. These banks are top tier lead brands listed in the stock exchange in the banking sector in Kenya between December 2022 and July 2023. Methodology: Strata of top management (section heads), middle managers (branch managers and super agents) and operational employees (lower cadre employees & credit officers) provided 72 respondents. Both secondary and primary data sources were used with the self-administered questionnaires containing both open and closed ended questions. Data analysis included descriptive statistics, correlation and multiple regression on a model of Y = 1.518+ 0.438 X1 + 0.136 X2 + ε. Results: The correlation of the independent variables and the dependent variable was high and positive at 0.697 and 0.573 for mobile banking and Electronic Funds Transfer on financial performance respectively. The value of the adjusted R squared was found to be 0.654. The value of F-statistic was found to be 44.919 and it p-value 0.000. The regression coefficient of mobile banking was found to be 0.438 with a t-statistic value of 6.126. The regression coefficient of EFT was found to be 0.136 with a t-statistic value of 6.182. Conclusion: There is a strong relationship between mobile banking, EFT and financial performance of commercial banks in Kenya. M-banking has significantly reduced operational costs while EFT has increased the number of daily transactions. The study established that the popularity of m-banking has is due to the intensity of technology penetration of mobile phones to bank customers which has resulted in the number of customers registering for m-banking services to increase in the last five years. Commercial banks have also experienced increased ROA and growth in market share with adoption of e-banking.

show abstract

Section: E-banking In Kenyamentioning

confidence: 99%

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

Mwakera,

Riwo-Abudho,

Abudho

2024

AJEBA

View full text Add to dashboard Cite

show abstract

“…Jerene and Sharma said that the support of finance for the development of science and technology industry and the role of science and technology in financial reform are organically combined in social progress and economic development. With the penetration of science and technology into all aspects of economic life, scientific and technological growth will be the foundation and guarantee of future society [4].…”

Section: Literature Reviewmentioning

confidence: 99%

The Strategy of How to Deeply Integrate Technology and Finance in the Internet Environment

2022

Journal of Environmental and Public Health

View full text Add to dashboard Cite

To solve some problems existing in the mechanism of the combination of science and technology and finance, this study studies the deep integration of science and technology and finance combined with the Internet. At present, there are many problems in the development of science and technology finance in terms of bank credit, capital market, service system, and risk supervision. To solve these problems, we need to innovate bank credit products and service modes, expand the breadth and depth of capital market services, establish a new science and technology financial service system, improve science and technology financial supervision regulations and means, and comprehensively promote the deep integration of science and technology and finance in the new era. Based on this, this study first expounds on the importance of the deep integration of science and technology and finance, comprehensively analyzes the problems existing in the deep integration of science and technology and finance, and finally puts forward the construction strategy of science and technology and finance integration platform. In the development of market economy, the deep integration of science and technology and finance and the development of platform model effectively improve the innovation ability of science and technology enterprises. The research shows that the high integration of science and technology and finance is the inevitable trend of the future development of the economic market. Therefore, enterprises need to constantly improve their financial operation ability, pay attention to the ways and means of the development of science and technology finance, strengthen the construction of their own platform, improve their operation ability, and improve their development status, so that enterprises can obtain a higher position in the market competition and achieve the purpose of sustainable development.

show abstract

“…If there is a wide range of awareness, clients will discuss the advantages and disadvantages of Internet banking as awareness is a significant factor affecting Internet banking usage (Perera & Sundara, 2018;Nehemia et al, 2017). Jerene and Sharma (2019) claimed that if a client perceives that Internet banking is manageable to use and that it improves its performance efficiency, their usage will likely increase. After all, perceived usefulness is a vital construct to increase the usage of Internet banking services (Perera & Sundara, 2018).…”

mentioning

confidence: 99%

Predictors of Internet banking services adoption among depositors in Davao City, Philippines

Inhambre,

Badoy

2023

SPJRD

View full text Add to dashboard Cite

The Internet has transformed the face of banking in recent years. Client attitudes towards Internet banking depends on their perception of the services and the accompanying risks. Internet use has never been this indispensable, especially during lockdowns such as the COVID-19 pandemic. Hence, the study was undertaken to determine the factors that affect the level of usage of Internet banking services among depositors in Davao City, Philippines. A descriptive-correlational research design was employed to analyze the responses of 300 clients of five identified banks located within the first administrative district of Davao City. The survey data reveals that the respondents sometimes used Internet banking services; they considered themselves literate with Internet banking; they perceived Internet banking as convenient but were concerned about its service efficiency; they found Internet banking easy to operate but not that enjoyable; their priority concern was financial risk, followed by security and privacy. Findings further show a significant difference in the level of usage of Internet banking services when grouped by respondents’ age, DOI adopter classification, highest educational attainment, operating system used, and primary source of awareness. Finally, the level of awareness and perceived ease of use significantly predict the level of usage of Internet banking services. Lack of onsite bank transactions due to restrictions may force the banking public to use the internet to do their business. Banks may intensify their awareness campaign, further enhance their platforms, and address security and risk concerns to entice more clients to patronize Internet banking.

show abstract

The adoption of banking technology and electronic financial services: evidence from selected bank customers in Ethiopia

Cited by 3 publications

References 0 publications

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

The Influence of E-banking on the Financial Performance of Kenyan Commercial Banks

The Strategy of How to Deeply Integrate Technology and Finance in the Internet Environment

Predictors of Internet banking services adoption among depositors in Davao City, Philippines

Contact Info

Product

Resources

About