Development of E-banking channels and market share in developing countries

There is fierce global competition within the banking industry.Therefore,banks endeavor to grow and strive to increase their market share.We analyzed the effect of developing innovative channels of presenting bank services on banks’market share.The statistical population of this research was Shahr bank’s central headquarter and its branches in Tehran,Iran.We developed questionnaires for gathering the data.The validity and reliability of the scales were tested by EFA,CFA,experts’opinion,and Cronbach’s alpha.We used linear regression to assess the impact of innovative channels,including internet banking,automatic teller machines(ATMs),mobile banking,telephone banking(TB),and point of sales(POS)on banks’market share.The results indicated that some of these channels,including internet banking,POS,and TB,positively affect a bank’s market share.The effect of two other platforms,including mobile banking and ATM development,on banks’market share was rejected.The findings of this study expand our understanding of how bank managers can improve their market share by developing innovative e-banking channels.

Priority of Factors Affected on Customer＇s Satisfaction in the E-Banking by Using Kano Model and Analytical Hierarchy Process： A Case of Iranian Commercial Bank

The aim of the article is to determine the extent to which customer satisfaction＇s in the e-banking in Semnan area had organizational and customer readiness for developing their services. One of the most important sectors that plays key role for grasping developed condition is banking sector. Banks like other institutions also look for augmenting their profits and increasing their strength by expansion. The designing of bank must involve selection of those that have sufficient success potential. Hence, from several factors of success, the following three criteria factors have been： selected-customer satisfied, one dimensional, and product fully functional. These factors offers three question multi criteria group extracted from a 16 norms. Also, three criteria factors have been studied over a period of five years and important criteria for evaluating the norms. The Analytical Hierarchy Process （AHP） has been employed to calculate the success potential of each norm. The empirical data comprises the longitudinal survey of the agricultural banking of the Semnan province. The paper, also, finds that product fully functional is placed as the first priority.

Implications of E-banking in Entrepreneurial Marketing --.Case From Albania

The goal of this article is to determine the spread and use of e-banking technology in Albanian banks, to see the help and advantages that this service provides to the banks and to the customers, and of course to determine if our banking system is actually in the Internet era. In the last decade we notice that banks pay a growing attention to their marketing services and in particular to the use of the latest technologies for their promotions. The use of the lnternet has influenced in the fact that customers now are closer to their banks, their number has increased, and of course through the Internet we have a more efficient exchange of products and services. A questionnaire was developed to help us understand the internet banking acceptance in Albania and other issues related to it. The questionnaire survey was conducted on 9 banks operating in Albania and from the evaluation of the collected data results that all banks that underwent questionnaire, have a separate marketing department. So marketing has an important role in the banking business. The importance of marketing rose by increased interbank competition in recent years. Crisis and economic and financial difficulties have shown that banks, which face these difficult periods, have been those which had not only a healthy bank policy, but also a strong commercial policy. These things depend on many factors, among which we can mention： the tradition, which has taught people to trust ＂their financial secrets＂ only to someone who exercises the profession of banker; the cultural and infrastructural level of development of the population, which gives approval and insures the continuousness of any discovery or development in various fields; the ability of this kind of banking to be successful, that is and remains the basis on which to establish a trustful cooperation relationship of any kind. Strong policies to e-marketing have targeted to increase the percentage of elements such as banking and credit granting. E-banking also consists of counseling online with a bank employee or financial advisor. This kind of service is not only effective for the client, who saves his time, but also more economical for the bank, which reduces its costs in human resources （an adviser to the window only deals with a client, while he can handle online more than two credit cases simultaneously, so we decrease the number of employees in general）. With its low-cost structure, direct consumer marketing and innovative services, the internet is going to present a real challenge to traditional forms of banking. E-banking is seen from the banks as an opportunity to create competitive advantage over its competitors. It offers a great deal of advantages both to the banks and to the customers. Clients are becoming more and more demanding and they are expecting even higher levels of service from their banks.

E-Banking Challenges in Pakistan: An Empirical Study

Electronic banking has provision networks that replaces and replicated various activities currently executing by the bank. Hence e-banking now plays a vital role to carry out the individual as well as corporate financial activities execution. Even e-banking activities based on the internet or virtual private networks own by the bank, therefore communication channel, distribution channel and transactions channel must be secure. The research article explores the current trends in the e-banking uprising that has set a goal in the Pakistani banking sector to provide any easy interface to their customers which avail the e-banking services without any physical presence in the bank vicinity. This empirical study was carried out in Pakistan which indicating the current issues encounter by the e-banking application in various banking industries. The analysis in this paper further reveals that approachability of internet in banking sector makes customer reluctant to access their bank accounts electronically. The usage of e-banking significantly affects the customer trust due to unavailability of cyber security.

“专门汇款”的网络银行E-bank

据报道,网络银行E—bank(总部在日本东京都千代田区)已于2001年7月23日开业,开始受理开设帐户等业务。其突出特点就是可对网上购物时的小额费用进行即时结算,只要在因特网上经营虚拟商店的企业,都可以通过E—bank收取款项来实现快速结算。

我国金融业电子商务发展中的问题及对策

电子商务的快速发展 ,已成为我国市场经济中一个新兴的具有强大生命力的重要组成部分。作为在市场经济中起主导作用的金融业 ,不可避免地站到了电子商务发展的最前沿。只有客观分析并切实解决好我国金融业电子商务发展中存在的问题 ,才能使其持续健康快速发展。

Factors Affecting Internet Banking Adoption: An Application of Adaptive LASSO

This research investigates a broad range of possible factors affecting the adoption of new technology in the banking industry using adaptive LASSO and a standard logit model.The research integrated the adoption of the innovation framework and the technology acceptance theory to develop a conceptual framework for the analysis.Primary data was collected from 400 bank customers in North Cyprus.Risk perception and other customerspecific factors such as perceived risk index and negative attitude toward new technologies index were formulated for the proposed conceptual model.The findings indicated that individuals with a negative attitude toward new technology are least likely to adopt internet banking.In addition,the logit model suggested that age,education level,and general(innate)innovativeness significantly impact the adoption of internet banking.However,gender,income,occupation,perceived risk,familiarity with the internet,and social inclusion have no significant impact on internet banking adoption in North Cyprus.

E-Bank:投资理财新概念

银行网络时代来临的技术背景是Internet的普及,但更深层次的原因是人们不再满足于传统的银行服务,希望享受随时随地的特色化优质服务。因此,网络银行纷纷迎合消费者需求,推出特色各异的理财服务。E-Bank,已经逐渐成为现代人投资理财新时尚……