The Effects of Cyber Threats and Technical Problems on Customer's Attitude Towards E-Banking Services

Abstract

The study showed the effect of cyber threats or technical problems on customer attitude towards e-banking services. A self-administered questionnaire was used to collect the data, and 400 respondents from eight divisions (Dhaka, Barisal, Rangpur, Chittagong, Khulna, Mymensingh, Rajshahi, and Sylhet) participated in the study. The researcher used a linear regression model to assess the relationship between dependent and independent variables. STATA and SPSS v. 25 program environment were used to conduct the statistical analysis. To determine the reliability of the data, Cronbach's Alpha was conducted and found acceptable internal consistency. Protection method (PM), Purposes of using e-banking (PUE), and Technical problems and challenges (TPC) were the independent variables. The dependent variables were ease of use (EU) and Security reason (SR). The study used two regression models for two dependent variables. The regression model (1) showed a significant effect of SR on PM, and there was no significant effect on SR on PUE and TPC. Another regression model (2) showed a significant effect of EU on PM and PUE, and there was no significant effect of EU on TPC. However, the total variance explained was still low in model 1 (22.6%) and model 2 (44.9). The people of Bangladesh should be aware of e-banking services and technical problems. Future research should be conducted to discover more data and other variables affecting customer attitudes towards e-banking.

The interaction effects of social media-driven advertising on consumers’ purchase intention

“…More specifically, the framework argues that the three proposed drivers or stimuli of social media advertising (i.e., entertainment, interaction, and e-WOM) interact to both brand image and consumers' intention to purchase. This assertion is supported by similar studies in the field (Seo and Park, 2018;Işık et al, 2024a;Islam et al, 2022;Işık et al, 2024b;Dehghani et al, 2015;Islam et al, 2024;Bilgin, 2018;Algharabat, 2017;Rana et al, 2023;Islam et al, 2020;Godey et al, 2016;Islam et al, 2021). Within this context, Seo and Park (2018) and Bilgin (2018) found that entertainment and interaction significantly influence the brand image of products in social media advertising, and e-WOM also exerts a noteworthy impact on these components (Godey et al, 2016).…”

Nexus between perception, purpose of use, technical challenges and satisfaction for mobile financial services: theory and empirical evidence from Bangladesh

“…User satisfaction is vital for the success of MFS, and technical issues have a direct impact on users' overall satisfaction with the services. Technical issues and challenges have a significant influence on users' attitudes toward MFS (Shin, 2009;Islam et al, 2022). Slow processing times, system faults and frequent interruptions hinder the smooth execution of financial operations, leading to lower levels of satisfaction (Lin, 2007).…”

Impact of Macroeconomic Factors on Performance of Banks in Bangladesh

“…A variety of research on economic elements, some of them including macroeconomic variables, influence bank financial performance (Asif et al, 2023;Brahmaiah, 2018;Kirimi et al, 2020;Petria et al, 2015;Işık et al, 2021Işık et al, , 2024aIşık et al, , 2024bIşık et al, , 2024cIşık et al, , 2024d2024fIslam et al, 2024Mamun et al, 2022;Islam et al, 2020;Islam et al, 2022;Islam et al, 2023a;Islam et al, 2023b;Rana et al, 2023;Işık et al, 2024c;Işık et al, 2024dHasan et al, 2019Rahman, 2019). Inflation, gross domestic product (GDP), national income, per capita income, exchange rates, interest rates, unemployment levels, and financial crises are all macroeconomic factors that affect banks performance (Bhattarai, 2017;Cetin et al, 2023;Neupane, 2020;Ozatac et al, 2018;Saeed, 2014;Simiyu and Ngile, 2015).…”