Download or read book Diffusion of Electronic Banking Services to Consumers written by John Gregory Diller and published by . This book was released on 1989 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.

Download or read book Consumer Adoption and Diffusion of Technological Innovations written by Eun-Ju Lee and published by . This book was released on 2000 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Analysis of the Key Success Factors of the Adoption of Digital Banking written by Tishta Bachoo and published by GRIN Verlag. This book was released on 2017-07-20 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: Distinction, , course: Commonwealth Executive Master of Business Administration., language: English, abstract: Data Innovation is gradually changing the banking industry around the world. Digital banking offers banks new opportunities and challenges. This paper gives a comprehension of how demographic characteristics, social components and consumer perception and attitudes towards digital banking influence its adoption. Digital banking has been developed in order to enable consumers to gain a greater share in the banking market. In Mauritius, there is little awareness about the emergence of digital banking despite the fact that this service is presently representing an important share in the banking market. This is because digital banking is a new industry here, and therefore, consumer acceptance and use of digital banking is still limited. To date, very little research has been conducted into factors which influence consumer adoption of digital banking in Mauritius, and so, therefore, there is a need for a study such as this. A research framework in light of the diffusion of innovation theory was utilized to identify elements that would impact the adoption of digital banking. This report has evaluated current literature and conclusions about this innovation banking technology. It has likewise reviewed the elements, including consumer demographic characteristic, consumer perceptions towards digital banking and social impacts that influence consumer adoption of this mode of banking. This study additionally clarifies the strategy utilized as a part of conducting a survey of 25 questions with 185 respondents to acquire primary data for this study. Analysis of these outcomes was made with charts and figures to determine to what extent the factors studied, influence consumer adoption of digital banking. The hypotheses of this research were tested with chi-square tests.

Download or read book E Banking and Emerging Multidisciplinary Processes Social Economical and Organizational Models written by Sarlak, Mohammad Ali and published by IGI Global. This book was released on 2010-08-31 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: E-Banking and Emerging Multidisciplinary Processes: Social, Economical and Organizational Models advances the knowledge and practice of all facets of electronic banking. This cutting edge publication emphasizes emerging e-banking theories, technologies, strategies, and challenges to stimulate and disseminate information to research, business, and banking communities. It develops a comprehensive framework for e-banking through a multidisciplinary approach, while taking into account the implications it has on traditional banks, businesses, and economies.

Download or read book Technological Change Financial Innovation and Diffusion in Banking written by W. Scott Frame and published by DIANE Publishing. This book was released on 2010-08 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses the technological change and financial innovation that commercial banking has experienced during the past 25 years. Describes the role of the financial system in economies and how technological change and financial innovation can improve social welfare. Surveys the literature relating to several specific financial innovations, which are new products or services, production processes, or organizational forms. The past quarter century has been a period of substantial change in terms of banking products, services, and production technologies. Moreover, while much effort has been devoted to understanding the characteristics of users and adopters of financial innovations, we still know little about how and why financial innovations are initially developed.

Download or read book Cross border Electronic Banking written by Chris Reed and published by CRC Press. This book was released on 2013-11-20 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-border Electronic Banking addresses everything from the changes made to payment clearing since the deregulation of cross-border flows of funds, to the development of capital adequacy ratios and the Euro. This insightful and revealing book, backed up by extensive practical experience, will alert you to the ways that electronic banking practices affect even the simplest daily transactions, and will unveil the legal technicalities imposed by these developments.

Download or read book The Interaction Between Face to face and Electronic Delivery written by Emilia Bonaccorsi di Patti and published by . This book was released on 2004 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of Electronic Banking Services on Customer Satisfaction in the Sudanese Banking Sector written by Nabil Alabsy and published by . This book was released on 2020 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: This research paper aims to study the impact of electronic banking services on customer satisfaction at Sudanese banks. Questionnaires were designed by the researchers. Data and information have been collected and analyzed from the internet users in the Sudanese banks clients. The study found that there are statistical significant differences of electronic services provided by the Sudanese banks on customer satisfaction. The study attempted to explain the various means of electronic banking services which might lead to the customer satisfaction. This paper showed that the banking services over the internet has a positive impact on customer satisfaction. This study recommended that the bank management should focus on spreading the knowledge of the electronic banking services to the customers. This study emphasized the importance of the electronic banking services and recommended that the bank management should spread the technological awareness among current and prospective customers, and develop suitable infrastructure for electronic banking services in the Sudanese banking sector.

Download or read book Savings for the Poor written by Michael A. Stegman and published by Brookings Institution Press. This book was released on 2010-12-01 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning this year, federal payment recipients will receive their government benefits through electronic funds transfer (EFT)-- what most of us call direct deposit. Although cost-cutting is the driving force behind the move to a virtually all-electronic federal payment system, Michael Stegman believes the initiative has a far broader potential: to bring poor Americans into the banking mainstream. In this book Stegman outlines how many families will enter the mainstream banking system through EFT '99, as the program is called. He explains in careful detail the thinking behind the shift to EFT and the implementation of the program this year. He also argues that, for maximum success, EFT '99 should be combined with a program of national Individual Development Accounts (IDAs), dedicated savings accounts for low-income people that can be used for purchasing a first home, acquiring more education or job training, or starting a small-business. Essentially, EFT '99 will bring people into the banking system, and IDAs will give them an incentive to use the system to its fullest in order to make their money work for them and their children. There are other steps that the government can take to boost EFT's ability to help public aid recipients achieve self-sufficiency. It can: add a direct deposit option to state benefits payments programs; give banks significant additional Community Reinvestment Act Credit for establishing accounts for EFT recipients; and regulate fees for cashing government benefits and voluntary accounts so that people are not charged excessively for accessing their money. This book demonstrates that — with careful planning and a relatively small investment — the government's EFT initiative can have a major payoff in real assets and improved prospects for those who have been, for far too long, on the fringes of the country's mainstream banking system. Brookings Metro Series

Download or read book Handbook of Consumer Finance Research written by Jing J. Xiao and published by Springer Science & Business Media. This book was released on 2008-01-03 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.

Download or read book Marketing and Mobile Financial Services written by Aijaz A. Shaikh and published by Routledge. This book was released on 2018-12-21 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mobile financial services (MFS) are of major interest and importance to both researchers and practitioners. The role played by nonbanking actors including telecoms and FinTech firms as well as other participants, such as PayPal and Amazon, in developing and deploying innovative financial and payment services is undeniable. Peer2peer (P2P) payments from nonbank services are becoming increasingly commonplace and will shortly be codified by EC (EU?) regulations requiring banks to provide access to consumer data for third-party app developers and service providers. Three major mobile financial systems—mobile banking, mobile payments, and branchless banking—currently dominate the electronic retail banking sector. Although interconnected and interrelated, their business models, regulatory frameworks, and target markets are distinct. This book provides a unified perspective on MFS and discusses its evolution, growth, and future, as well as identifying the frameworks, stakeholders, and technologies used in financial information systems in general and MFS in particular. Academics and researchers in digital and financial marketing will find this book an invaluable resource, as will bank executives, regulators, policy makers, FinTech professionals, and anyone interested in how mobile technology, social media and financial services will increasingly intersect.

Download or read book Proceedings of the 5th International Conference on IS Management and Evaluation 2015 written by Ruidong Zhang and published by Academic Conferences Limited. This book was released on 2015-05-28 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: Complete proceedings of the 5th International Conference on IS Management and Evaluation - Shaanxi, China Published by Academic Conferences and Publishing International Limited

Download or read book Organizational Customer Factors Influencing Adoption of Electronic Banking written by Manal Rizk and published by . This book was released on 2014 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Electronic Banking is relatively a recent technology that enables customers to perform many financial services with no need to visit bank branches. It is internet based technology that can be accessed through a PC (Internet banking) or a wireless network and mobile phone (Mobile banking). This technology is adopted by almost all the banks worldwide for many years now and still there is high potential for growth. Many past studies have examined the benefits of diffusion and adoption of this banking alternative channel to both customers and banks. However, the uptake of this technology in Egypt is still slow and still many Egyptian customers are relying on bank branches to perform financial transactions.This paper explores some organizational and customer factors that influence the diffusion and adoption of electronic banking in Egypt towards increasing the rate of usage by both Egyptian banks and customers. The study also proposes some guiding strategies for Egyptian banking sector based on the explored factors. These strategies are change management, Building bank-customer relationship (trust), creating awareness and removing the risk and security customer concerns of technology. The study also recommends that the Egyptian banks should consider the demographics variables, specially age, education and income level when setting strategies for electronic banking as an alternative channel to traditional banking. The importance of customer and employees past experience in using technology also was highlighted in this research.

Download or read book Testing for Complementarity between Stores and E Commerce written by Emilia Bonaccorsi di Patti and published by . This book was released on 2012 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: We empirically investigate the relevance of demand-side complementarity between electronic and traditional provision of banking services. Since no systematic data on prices for the two types of service is available, it is not possible to estimate cross-elasticities of demand. We resort to two indirect tests. The first test is based on estimating the relationship between branches and the diffusion of e-banking services in local markets, controlling for individual bank and market characteristics. We test three alternative hypotheses on the relationship between the two delivery channels: complementarity, substitution or segmentation. We find that banks expanded relatively more in the e-business in those local markets where they had relatively fewer branches, with the exclusion of markets where the banks were chartered. The second test is based on measuring the impact of the joint provision of banking services - electronically and at traditional branches - on banks' revenues per customer. We estimate a non-standard revenue function that relates revenues from asset management, brokerage and payment services to the share of customers employing e-banking, given the total number of bank customers. Our results show that a high share of e-customers is associated with a reduction in revenues per customer. This evidence is not consistent with complementarity because banks did not extract substantial consumer surplus from the joint provision of electronic services and traditional services at the branch.

Download or read book Proceedings of Second International Conference on Intelligent System written by João Manuel R. S. Tavares and published by Springer Nature. This book was released on with total page 588 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Market Structure and the Diffusion of E Commerce written by Jason Allen and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies the effect of market structure on the diffusion of e-commerce technologies. These include self-serve electronic check-in/-out kiosks, online retail outlets, online customer-service centers, and e-banking, which reduce costs for firms relative to their old, non-electronic (offline) technology. The full benefits for firms of these technologies, however, accrue only once consumers begin to perform a significant share of their transactions using electronic options. Since learning costs are involved in the adoption of the new technology, firms may try to encourage consumers to switch to the electronic option by manipulating the relative quality of the two options. We argue that their ability to do so is a function of market structure. In more competitive markets, reducing the relative attractiveness of the offline option involves the risk of losing customers (or potential customers) to competitors, whereas this is less of a concern for a more dominant firm. We study this issue in the context of the retail banking industry. Using household survey data on banking habits, as well as data on branch-locations, we find that households respond to branch closures by adopting and using e-banking more intensively. We show that a banks ability to close branches, and therefore gain from this consumer response, depends on market structure.