: This study aims to analyze the Influence of Customer Behavior electronic banking users in the study of Islamic banks in East Java, using explanatory research (explanation), this study conducted a study of the relationship between two or more variables, then tried to explain the phenomenon that happens on stage early will know the extent to which customers believe in the existence of e-banking, after further customer confidence arising will form a true customer commitment and, last but not least the importance of trust and commitment to the customer then tested as well whether it will also create a customer loyalty to the existence of e- banking
Implementation of Mobile Banking in Bangladesh: Opportunities and ChallengesIOSR Journals
ABSTRACT:Mobile banking is a newly added service in the banking sector that facilitates banking via mobile devices. With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which makes banking easier, faster, and very cost-effective. Mobile phones have quickly emerged as a successful and popular means of communication in recent years and the researchers believe that growth of mobile banking in Bangladesh is inevitable, especially when banks do not have sufficient number of branches in the rural areas of Bangladesh. The purpose of this research is to assess the Opportunities and Challenges of mobile banking in this country. To accomplish this empirical study, multiple banks have been surveyed which either currently have an operational mobile banking in place or planning to introduce one in the near future. The research shows tremendous potential for mobile banking in Bangladesh and reveals some of the key barriers of progress as well. KEYWORDS:Banking Sector, Mobile banking, Mobile Phone, Rural Areas, Telecommunication.
Implementation of Mobile Banking in Bangladesh: Opportunities and ChallengesIOSR Journals
ABSTRACT:Mobile banking is a newly added service in the banking sector that facilitates banking via mobile devices. With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which makes banking easier, faster, and very cost-effective. Mobile phones have quickly emerged as a successful and popular means of communication in recent years and the researchers believe that growth of mobile banking in Bangladesh is inevitable, especially when banks do not have sufficient number of branches in the rural areas of Bangladesh. The purpose of this research is to assess the Opportunities and Challenges of mobile banking in this country. To accomplish this empirical study, multiple banks have been surveyed which either currently have an operational mobile banking in place or planning to introduce one in the near future. The research shows tremendous potential for mobile banking in Bangladesh and reveals some of the key barriers of progress as well. KEYWORDS:Banking Sector, Mobile banking, Mobile Phone, Rural Areas, Telecommunication.
A comparative study on e–banking services at bangalore cityIJARIIT
Technology in Indian banking has evolved substantially from the days of back-office automation to today's online,
centralized and integrated solutions. Banking is now no longer confined to the branches where one has to approach the
branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. With the expansion of internet
usage, e-banking has become one of the most revolutionized components of today’s economic growth. E-banking is powerful
value added tool to attract new customers and retain the existing ones. With the proliferation of internet and computer usage, the electronic delivery of e-banking service has become ideal for banks to meet customer expectations.
A Study On Customer’s Perception And Satisfaction Towards Electronic Banking ...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
There has been tremendous growth in mobile banking penetration in many countries in the developed and
developing economies and most interestingly in a number of developing countries such as Nigeria. Yet there are numbers of opportunities and threats in the mobile banking systems. However the major threat of mobile banking is its non-adoption by the banking customers. This research focuses on the perceived barriers to mobile banking adoption in Nigeria as a developing economy. The study adopted an exploratory qualitative method and this was conducted among banking customers spread across three regions of North, West and East of Nigeria. The basis of participants’ selection was being active customers of the Nigerian banks. Findings indicate that there is intention to adopt the mobile banking services; unfortunately, the
intentions cannot be translated into action due mainly to lack of trust on issues such as the delivery
channels/technology, communication infrastructures, government policies, etc. Findings further revealed
that majority of respondents do not use internet and mobile banking services, due to several identified
barriers. There is however a preference for the traditional banking approaches as opposed to the mobile
banking services. The study recommends that banks and other financial institutions embark on massive
awareness campaign.
Consumers are increasingly easy to access to information resources. Consumers quickly interact with whatever they will spend. Ease of use of technology an impact on consumer an attitude are increasingly intelligent and has encouraged the rise of digital transactions. Technology makes it easy for them to transact on an e-commerce shopping channel. Future e-commerce trends will lead to User Generated Content related to user behavior in Indonesia that tends to compare between shopping channels. The purpose of this study was to examine the direct and indirect effects of Perceived Ease of Use on Behavioral Intention to transact in which Perceived Usefulness is used as an intervening variable. The present study used the descriptive exploratory method with causal-predictive analysis. Determination method of research sample used purposive sampling. The enumerator team assists in the distribution of questionnaires. The results of the study found that the direct effect of perceived ease of use on behavioral intention to transact is smaller than that indirectly mediated by perceived usefulness variables.
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
Customers Perception on Prior Knowledge of Technology and Its Effect on Usage...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers perceptions have an effect on usage of internet banking. Prior knowledge of technology was forund to have an impediment in using internet banking by customers. Not all customers are well versed in using systems used in accessing internet banking- both software and hard ware.
AN EXPLORATION OF THE FACTORS AFFECTING USERS’ SATISFACTION WITH MOBILE PAYMENTSijcsit
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
Customer perception towards banking servicesPriyank Thada
This is my Dissertation Project on Customer Perception on Banking services in India this will help people to do research on Banking sector • The purpose of the study is to explore the basic dimensions of service quality offered by Indian banking industry and its impact on individual customers by using the gap between the customer expectations and perceptions regarding the services offered by banking industry.
Evaluation of Factors Influencing Internet Banking Acceptance by Internet Use...Eswar Publications
Purpose – The purpose of the study was to identify the factors underlying the decision to adopt online banking in Iran. Design/methodology/approach – The samples used in this empirical study includes 560 persons who were among Iranian Internet users and completed the interactive questionnaires. The statistical analysis which has been used in regard to the dichotomous decision of whether to adopt Internet Banking services was Logistic Regression.
Findings – The results show that one of the dominant relationships that have been observed in our study is the
link between the decision to use Internet Banking and the experience of using Internet. Certain demographic variables like gender also proved to be robust predictors of the adoption status. This inquiry documents that perceived level of security of Internet transactions in Iran Internet users don’t have impact on acceptance of Internet Banking. These findings can provide a valuable tool for the expansion of Internet Banking and remove impediments of Internet Banking acceptance.
Practical implications – The results presented in this paper can be of assistance to financial institutions that either operates in Iran or Islamic countries. Useful insights are also provided with regard to security and strategies fostering the acceptance of Internet Banking.
Originality/value – The analysis is based on a random sample of Internet users at Iran that rarely discussed in previous literature.
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
The Impact of Packaging Design to Purchase Behavior through Brand Trustinventionjournals
This study was conducted to identify the importance of packaging design in influencing the purchasing behavior at the same time identifying the mediating role of trust in the brand packaging design relationship with purchasing behavior. This study uses a survey approach to data collection and use of data analysis techniques Covariance-Based Structural Equation Modelling (CBSEM). This study was conducted on 100 housewives spread in Sidoarjo, Krian and Surabaya. This study proves that packaging design has positive and significant influence on purchasing behavior and brand trust and prove that trust the brand also has a positive and significant impact on buying behavior.
Luxury Fashion Market In Nıgerıa: The Impact Of Consumers’ Socio-Economic Sta...inventionjournals
Nowadays any good or services termed ‘Luxury’ has been elaborated to mean more than price. Luxury products provide more than ordinary and necessary comfort or features.When compared to other products, it is evident that their price is relatively higher, they are rare, high in quality and aesthetical. In this study, we investigate the relationship between consumers’ socio economic status on their decision making on international luxury fashion brands and the effect of this socio economic statuson consumers’ behavior, perception, purchase decision and social value dimension. The study describes the result obtained from a survey conducted on 182 respondents who either works or lives in Lagos or Abuja, Nigeria. About 50 percent of the respondents are within the working ages between the ages of 31 to 40 years. It could be deduced also from the result that many of the respondents are middle aged and in their active years. Based on the factor analysis conducted in our research, consumers want to purchase luxury products that are not produced en masse, consumers buy a product because of its status and most consumers are interested in new products with status regardless of the price as long as the quality is superior to other brands. The results of the research indicate that socio-economic status of consumers(Gender, Civil Status, Age, Education, Social Status, and Personal Income) has great influence on consumers’ behavior, consumers’ perception, consumers’ purchase decision and social value dimension of international luxury fashion brands
Sustainable Leadership Competency Model Leading To Business Growth and Develo...inventionjournals
This study identified a sustainable leadership competency model leading to business growth and development for developing healthcare executives in Kolkata, India based on the Healthcare Leadership (HL) Model. Eleven chief executive officers and chief medical officers were interviewed. They considered 86% of the Healthcare Leadership (HL) competencies as very important or vital and perceived a gap in the performance of these competencies. They also identified additional vital competencies beyond the scope of the model. Participants also reported that leadership development and succession planning programs were lacking. Recommendations are to design a leadership development program using the HL model as a framework and further customizing the approach as per the organization’s unique mission, vision, strategy, values, and circumstances. The HL is offered as a general strategy for leader development that could be useful in the growth and development of Indian private healthcare industry, based on some “best practices” in the design and implementation of the leadership programs.
The Influence Of Organizational Culture, Task Complexity and, Competence On J...inventionjournals
This study analyzes the Influence of Organizational Culture, Complexity Duties, Competence on Job Satisfaction, Organizational Citizenship Behavior, And Performance Hospital Nurse Army Kodam VII / Wirabuana In Sulawesi. The design of this research is a comparative study with the causal approach. The study population was all nurses Army Hospital Kodam VII / Wirabuana in Sulawesi amounted to 1,180 nurses. The number of samples used were 298 nurses. Methods of sample selection is done by purposive random sampling. This data analysis technique is using Structural Equation Modelling (SEM). Based on analysis results and hypotheses testing, the conclusions of this research are the organizational culture dominant influence on job satisfaction of nurses in RSAD Kodam VII / Wirabuana Sulawesi; the organizational culture dominant influence on organizational citizenship behavior (OCB) nurses in RSAD Kodam VII/Wirabuana Sulawesi and Cultural organizations dominant influence on the performance of nurses in RSAD Kodam VII/Wirabuana Sulawesi.
Role of Behavioural Finance in the Financial Marketinventionjournals
There are mainly two disciplines of financial market study viz. Conventional Finance and the recent development known as Behavioural Finance. Conventional finance foundation is mainly based on efficient market concept, Investor rationality concept and the modern portfolio theory developed by Markowitz. But till 1990 the conventional finance theories were not so been challenged. But from mid 90’s researchers have shows many shortcomings of the existing theory and particularly challenged the investor rationality concept. As a result a new paradigm known as behavioural finance has been developed. In this paper an attempt has been made to highlight the shortcomings of the traditional finance theories as pointed out by behavioural finance supporters and also a discussion on the significance of behavioural finance.
A comparative study on e–banking services at bangalore cityIJARIIT
Technology in Indian banking has evolved substantially from the days of back-office automation to today's online,
centralized and integrated solutions. Banking is now no longer confined to the branches where one has to approach the
branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. With the expansion of internet
usage, e-banking has become one of the most revolutionized components of today’s economic growth. E-banking is powerful
value added tool to attract new customers and retain the existing ones. With the proliferation of internet and computer usage, the electronic delivery of e-banking service has become ideal for banks to meet customer expectations.
A Study On Customer’s Perception And Satisfaction Towards Electronic Banking ...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
There has been tremendous growth in mobile banking penetration in many countries in the developed and
developing economies and most interestingly in a number of developing countries such as Nigeria. Yet there are numbers of opportunities and threats in the mobile banking systems. However the major threat of mobile banking is its non-adoption by the banking customers. This research focuses on the perceived barriers to mobile banking adoption in Nigeria as a developing economy. The study adopted an exploratory qualitative method and this was conducted among banking customers spread across three regions of North, West and East of Nigeria. The basis of participants’ selection was being active customers of the Nigerian banks. Findings indicate that there is intention to adopt the mobile banking services; unfortunately, the
intentions cannot be translated into action due mainly to lack of trust on issues such as the delivery
channels/technology, communication infrastructures, government policies, etc. Findings further revealed
that majority of respondents do not use internet and mobile banking services, due to several identified
barriers. There is however a preference for the traditional banking approaches as opposed to the mobile
banking services. The study recommends that banks and other financial institutions embark on massive
awareness campaign.
Consumers are increasingly easy to access to information resources. Consumers quickly interact with whatever they will spend. Ease of use of technology an impact on consumer an attitude are increasingly intelligent and has encouraged the rise of digital transactions. Technology makes it easy for them to transact on an e-commerce shopping channel. Future e-commerce trends will lead to User Generated Content related to user behavior in Indonesia that tends to compare between shopping channels. The purpose of this study was to examine the direct and indirect effects of Perceived Ease of Use on Behavioral Intention to transact in which Perceived Usefulness is used as an intervening variable. The present study used the descriptive exploratory method with causal-predictive analysis. Determination method of research sample used purposive sampling. The enumerator team assists in the distribution of questionnaires. The results of the study found that the direct effect of perceived ease of use on behavioral intention to transact is smaller than that indirectly mediated by perceived usefulness variables.
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
Customers Perception on Prior Knowledge of Technology and Its Effect on Usage...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers perceptions have an effect on usage of internet banking. Prior knowledge of technology was forund to have an impediment in using internet banking by customers. Not all customers are well versed in using systems used in accessing internet banking- both software and hard ware.
AN EXPLORATION OF THE FACTORS AFFECTING USERS’ SATISFACTION WITH MOBILE PAYMENTSijcsit
Mobile payment allows consumers to make more flexible payments through convenient mobile devices. While mobile payment is easy and time save, the operation and security of mobile payment must ensure that the payment is fast, convenient, reliable and safety in order to increase the users’ satisfaction. Therefore, this study based on technology acceptance model to explore the impact of external variables through perceived usefulness and perceived ease of use on users’ satisfaction. The data analysis methods used in this study are descriptive statistical analysis, reliability and validity analysis, Pearson correlation analysis and regression analysis to verify the hypotheses. The results show that all hypotheses are supported. However, mobile payment is still subject to many restrictions on development and there are limited related researches. The results of this study provided insight into the factors that affect the users’ satisfaction for mobile payment. Related services development of mobile payment and future research suggestions are also offered.
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
Customer perception towards banking servicesPriyank Thada
This is my Dissertation Project on Customer Perception on Banking services in India this will help people to do research on Banking sector • The purpose of the study is to explore the basic dimensions of service quality offered by Indian banking industry and its impact on individual customers by using the gap between the customer expectations and perceptions regarding the services offered by banking industry.
Evaluation of Factors Influencing Internet Banking Acceptance by Internet Use...Eswar Publications
Purpose – The purpose of the study was to identify the factors underlying the decision to adopt online banking in Iran. Design/methodology/approach – The samples used in this empirical study includes 560 persons who were among Iranian Internet users and completed the interactive questionnaires. The statistical analysis which has been used in regard to the dichotomous decision of whether to adopt Internet Banking services was Logistic Regression.
Findings – The results show that one of the dominant relationships that have been observed in our study is the
link between the decision to use Internet Banking and the experience of using Internet. Certain demographic variables like gender also proved to be robust predictors of the adoption status. This inquiry documents that perceived level of security of Internet transactions in Iran Internet users don’t have impact on acceptance of Internet Banking. These findings can provide a valuable tool for the expansion of Internet Banking and remove impediments of Internet Banking acceptance.
Practical implications – The results presented in this paper can be of assistance to financial institutions that either operates in Iran or Islamic countries. Useful insights are also provided with regard to security and strategies fostering the acceptance of Internet Banking.
Originality/value – The analysis is based on a random sample of Internet users at Iran that rarely discussed in previous literature.
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
The Impact of Packaging Design to Purchase Behavior through Brand Trustinventionjournals
This study was conducted to identify the importance of packaging design in influencing the purchasing behavior at the same time identifying the mediating role of trust in the brand packaging design relationship with purchasing behavior. This study uses a survey approach to data collection and use of data analysis techniques Covariance-Based Structural Equation Modelling (CBSEM). This study was conducted on 100 housewives spread in Sidoarjo, Krian and Surabaya. This study proves that packaging design has positive and significant influence on purchasing behavior and brand trust and prove that trust the brand also has a positive and significant impact on buying behavior.
Luxury Fashion Market In Nıgerıa: The Impact Of Consumers’ Socio-Economic Sta...inventionjournals
Nowadays any good or services termed ‘Luxury’ has been elaborated to mean more than price. Luxury products provide more than ordinary and necessary comfort or features.When compared to other products, it is evident that their price is relatively higher, they are rare, high in quality and aesthetical. In this study, we investigate the relationship between consumers’ socio economic status on their decision making on international luxury fashion brands and the effect of this socio economic statuson consumers’ behavior, perception, purchase decision and social value dimension. The study describes the result obtained from a survey conducted on 182 respondents who either works or lives in Lagos or Abuja, Nigeria. About 50 percent of the respondents are within the working ages between the ages of 31 to 40 years. It could be deduced also from the result that many of the respondents are middle aged and in their active years. Based on the factor analysis conducted in our research, consumers want to purchase luxury products that are not produced en masse, consumers buy a product because of its status and most consumers are interested in new products with status regardless of the price as long as the quality is superior to other brands. The results of the research indicate that socio-economic status of consumers(Gender, Civil Status, Age, Education, Social Status, and Personal Income) has great influence on consumers’ behavior, consumers’ perception, consumers’ purchase decision and social value dimension of international luxury fashion brands
Sustainable Leadership Competency Model Leading To Business Growth and Develo...inventionjournals
This study identified a sustainable leadership competency model leading to business growth and development for developing healthcare executives in Kolkata, India based on the Healthcare Leadership (HL) Model. Eleven chief executive officers and chief medical officers were interviewed. They considered 86% of the Healthcare Leadership (HL) competencies as very important or vital and perceived a gap in the performance of these competencies. They also identified additional vital competencies beyond the scope of the model. Participants also reported that leadership development and succession planning programs were lacking. Recommendations are to design a leadership development program using the HL model as a framework and further customizing the approach as per the organization’s unique mission, vision, strategy, values, and circumstances. The HL is offered as a general strategy for leader development that could be useful in the growth and development of Indian private healthcare industry, based on some “best practices” in the design and implementation of the leadership programs.
The Influence Of Organizational Culture, Task Complexity and, Competence On J...inventionjournals
This study analyzes the Influence of Organizational Culture, Complexity Duties, Competence on Job Satisfaction, Organizational Citizenship Behavior, And Performance Hospital Nurse Army Kodam VII / Wirabuana In Sulawesi. The design of this research is a comparative study with the causal approach. The study population was all nurses Army Hospital Kodam VII / Wirabuana in Sulawesi amounted to 1,180 nurses. The number of samples used were 298 nurses. Methods of sample selection is done by purposive random sampling. This data analysis technique is using Structural Equation Modelling (SEM). Based on analysis results and hypotheses testing, the conclusions of this research are the organizational culture dominant influence on job satisfaction of nurses in RSAD Kodam VII / Wirabuana Sulawesi; the organizational culture dominant influence on organizational citizenship behavior (OCB) nurses in RSAD Kodam VII/Wirabuana Sulawesi and Cultural organizations dominant influence on the performance of nurses in RSAD Kodam VII/Wirabuana Sulawesi.
Role of Behavioural Finance in the Financial Marketinventionjournals
There are mainly two disciplines of financial market study viz. Conventional Finance and the recent development known as Behavioural Finance. Conventional finance foundation is mainly based on efficient market concept, Investor rationality concept and the modern portfolio theory developed by Markowitz. But till 1990 the conventional finance theories were not so been challenged. But from mid 90’s researchers have shows many shortcomings of the existing theory and particularly challenged the investor rationality concept. As a result a new paradigm known as behavioural finance has been developed. In this paper an attempt has been made to highlight the shortcomings of the traditional finance theories as pointed out by behavioural finance supporters and also a discussion on the significance of behavioural finance.
Assessment of CSR Law in Companies Act, 2013 – An Analysis of the Performance...inventionjournals
Introduction: The new law making CSR expenditure and reporting mandatory for certain companies is a new chapter in the Indian corporate world and has provided a necessary boost to the status of companies’ responsibility towards the stakeholders, and transparency and accountability of their actions. Need: The mandatory 2% spending of profits on CSR activities got mixed reaction from corporate executives. To ensure that the enforcement of the law isn’t limited to the term “cheque-book CSR”, regular exploration of the companies’ CSR expenditures and their consequent outcomes is absolutely essential. Objective: The paper aims to assess the outcome of Section 135 of the Companies Act, 2013, in the first year of its implementation among the BSE-SENSEX companies. Research methodology: Secondary sources were utilized for collecting profits and CSR expenditure figures of the selected 30 companies for conducting an ex-post analysis for the year 2014-15. Key findings of the study: Less than 15% of the BSE-SENSEX companies had spent on CSR activities an amount that is equal to or greater than the stipulated 2% of the average profits of the preceding 3 years as per Section 135 of Companies Act, 2013. Implications: Immediate attention of regulatory bodies is desired towards companies failing to dispense the funds earmarked for CSR as stipulated by the law to ensure compliance.
Tourism as a multiplier effect in economy: the case of Albaniainventionjournals
Tourism is an important economic activity in most countries worldwide. This sector has significant direct and indirect impact in the economy. The determination of the multiplier effect of tourism is very important part of economy. The multiplier effect measures the expenditures done on other part of economy, rather than tourism. Tourism not only creates job but also encourages growth on other sectors of industry.
Correlation and dependence between: Business –Globalisation - Information Soc...inventionjournals
Changes in competition which are being observed constitute both the result and condition of globalisation. The structure and degree of strictness of competitive fight influence directly the international development strategies of enterprises. Competition in a global dimension creates new systems of connections, as well as a new dimension of the quality of technological progress and new methods of obtaining competitive advantage. It extorts, so to speak, the creation of new models of organising, different ways of coordinating and configuring activities and cooperating with the environment. An important solution that allows to increase the enterprise efficiency functioning is cooperation on the following line: business – globalisation – knowledge. The purpose of this article is to introduce the relationship, as the latest trend inherent to the process of globalisation, playing an important role in the process of international expansion of enterprises. The aim of this article is to give an answer to the following questions: 1.Is there a correlation between business, globalisation, information society and global society? 2.What factors influence the development of business and the process of globalisation and can they be explicitly defined? 3.If there is a correlation between business, globalisation, information society and global society what is the most important factor in this relation?
Document Control Effectiveness in ISO 15189 Accredited Laboratoriesinventionjournals
ISO 15189 is the global quality management standard published by the International Organization for Standardization (ISO). Document control is one of the Key requirements of ISO 15189. It is considered Document control is the major quality element to establish a quality management system. The research study was carried out to understand the effectiveness of a document control system followed in accredited medical laboratories. It was the key objective to identify the importance of document control system hypothesis vs practical implementation and Challenges of Document control system implementation. It was really hard to categorize the implementation status of document control, but I have tried to analyze it. In the study volume of up to date control document usage in functional area is estimated. Various effects of document control are also analyzed before implementing the accreditation system and post accreditation system. A structured document control system is also observed and compared with pre and the post accreditation system. In the study all reported events are analyzed to find out out the reported event in related to document control system. Risk analysis of document used in the laboratory is also analyzed. Total risk scoring is done based on the document risk involvement. Major challenges observed in the manual document control system. A suggestive idea is prescribed in the improvement of a document control system.
Prescription Modifying Marketing Factors: A Survey among the Clinicians in Ba...inventionjournals
It was aimed at finding out the important factors those influence the prescription preparation of doctors during their daily life consultancy. It was a descriptive, cross-sectional survey conducted by purposive, convenient sampling. 200 registered practicing doctors from different regions of Bangladesh were interviewed with the prepared self reporting questionnaire from February 2013 to October 2013. Questionnaire was prepared and finalized after pretesting. The measurement was made on the basis of 5 point Likert scale and data were analyzed by using SPSS 16 version and Microsoft Excel®. It was found that doctors consider company image, brand availability, regular promotion, easy brand name, scientific information, and personal experience related confidence with high preference. Promotional tools and representatives’ improvisation, low price of brands are relatively less sensitive to doctors. This study provides only selected aspects on pharma marketing; larger study may reveal the scenario more precisely.
The effects of political connection on corporate social responsibility disclo...inventionjournals
This paper examines the effects of political connection on CSR disclosure. The measurement of political connection is separated into two which were government ownership and representation of politicians on boards. From a sample of 300 non-financial companies listed in Bursa Malaysia for the year 2013, results from the regression analysis show that government ownership positively influences CSR disclosure. However, we are unable to find any significant effects of having politicians on boards on CSR disclosure. Findings from this study add to the literature on the impact of political connection on CSR disclosure. They also broaden the literature on the different effects of different political connection proxies on CSR disclosure from a developing country that is now economically recognized by the global community.
Determinants Of Customer Participation In Online Shoppinginventionjournals
This research aims to examine and explain the determinants of customer participation in online shopping.The approach of Partial Least Square (PLS) with Smart PLS software is employed in this study to analyze cross section data and prove the hypotheses proposed in the research. The sample of the study includes students of Mulawarman University who used to do online shopping. The participants were recruited through snowball technique.This study shows that only five of the nine hypotheses are supported; the other four are not supported or accept Ha and reject H0. The construct of the ability of vendor has a positive effect on trust, but not significant. Furthermore, the ability has a significant negative effect on transaction-perceived risk. The ability to influence vendor participation in online shopping has no significant effect, while experience has a significant positive effect on trust. On the other hand, experience has a significant negative effect on transaction-perceived risk. Experience has a significant positive effect on online shopping participation. Trust has a significant negative effect on transaction-perceived risk; however, it has a positive influence on online shopping participation, yet not significant. Last, perceived-transaction risk has an insignificant positive effect on online shopping participation
Criteria for Investing In the Market of Visual Artsinventionjournals
The market for visual arts develops a complex activity requiring the identification of many key variables to establish valid investment criteria, as to obtain reasonable profits. This makes it necessary to differentiate the intention of the purchase between investment and collection. Then, setting as the central axes of analysis the piece and the artist, the trajectory of iconic and emerging elements are investigated and compared, to identify the criteria that the buyer should consider when purchasing a piece of visual art, due to the way this economic activity is segmented, precise parameters are required to make an investment.
Improving the quality of service through the application of CRM in insurance ...inventionjournals
Nowadays the quality of service is becoming increasingly important in insurance product differentiation in terms of strong competitiveness. In order to be successful and to survive in the conditions of this competition, providing high quality service have special importance for any company or economic enterprises, in particular in the insurance industry . Even in Albanian insurance companies today are being dedicated more and more attention to increasing the quality of services. The relationship between service quality and customer satisfaction has received considerable academic attention in recent years. This article explores the impact of CRM on customer satisfaction and their retention in insurance companies in Albania. Primary data were collected using a structured questionnaire with questions related to CRM, its impact on customer satisfaction and loyalty to the insurance companies in Albania. Secondary data were analyzed using data published by the FSA (Financial Supervisory Authority). The findings of the study provide that CRM can impact positively on the customer satisfaction and their loyalty to the insurance companies. If the insurance company retains relationships with its customers, customer loyalty to the company will increase, therefore, a CRM application will increase customer satisfaction
Internal Control System in Perspective Personal Bankers (Case Study: Mandiri ...inventionjournals
The purpose of this study was to determine the extent to which the program improved by quality of service for customer satisfaction and loyalty premium associated with the bank's internal control system. The study used a qualitative approach by primary data and secondary data (interview semi-structured interview and documentation). Testing the credibility of the data can be done by way of an extension of observation, increased by diligence in research, triangulation, discussions with peers, negative case analysis and member check. In interpretive, how to learn the social groups and social structures created by express condition of experience and personal problems.
Exploring the relative effects of Selling Skills on customer satisfaction: A ...inventionjournals
The purpose of this study is to analyze the relationship between salespersons selling skills and customer satisfaction. Those skills include interpersonal, salesmanship and technical skills. The research is designed by a model. The model replicates a relationship of selling skills and customer satisfaction. Cronbach Alpha is calculated to evaluate the reliability of the study. Sample data was collected through online and on spot survey. The findings show that there is a strong relationship between salespersons selling skills and customer satisfaction. Technical skills contributed more to the customer satisfaction. Moreover, customer is not satisfied with current condition of hardware market and selling skills scored very low. The study finally suggests SMEs of Khulna City to take steps for improving salespersons selling skills as those are related to customer satisfaction thus relates to organizational performance
The Importance of E-Commerce in Terms of Local Development: A Study in Turkey1inventionjournals
Internet is a great technology as well as a vast information storage, communication tool, trading platform, education field, business and entertainment environment. Internet is also the front door of the change and development and especially of the information community that is the bearer and courier of the development existing in the scientific and technologic fields. For this reason, E-commerce, which leaves its mark on the world market and gains more importance against the classic type of trade, also occupies a quite important position in national economy. The objective of our study is; to examine this commerce platform that is established as of today in city of Gümüşhane (Turkey) and to research the potential of E-commerce with regards to national economies and the factors that effect this potential.
Life Insurance Company of Liability under Insured Fund Management Based On Go...inventionjournals
This important think for this research about the principles of Good Corporate Governance (GCG), which can serve as guidelines liability life insurance company and managing a fund. As we know that PT. Asuransi Jiwasraya (Persero) as one of the oldest companies in Indonesia who has experience with a range long enough, so that you have more opportunities to learn and make improvements in service quality improvement responsibilities in managing the funds of the insured. This research is supported by a variety of sources, both the primary and secondary as well as sociology of law, so that the journal presents about explanations and conclusions appropriate methodology and perspective of the data. GCG principles in life insurance companies studied in this journal aims to increase efficiencies, increase productivity, and improve the quality of care in the management of funds such as account for the insured. Business insurance is having great potential to support the national economy, a business that has managed by collect some premiums from public funds. In this case, legislation adequate and binding on Indonesia intended as optimal achievement in the field of supervision, resulting in the insurance business situation, especially the life insurance industry is transparent, healthy and able to do the best service to all stakeholders in the industry of life insurance business. But in reality, there are many insurance companies that fail in securing public funds that have been collected by the payment of premiums.
The Principles of natural justice in public administration and administrative...inventionjournals
: According to S.B.M Marume (1988) and J.M Stevens (1982:279), it is maintained that in many democratic societies both developed and developing ones where administrative adjudication affects the rights of an individual, the common law principles of natural justice require that an individual citizen affected by a decision should: be given a fair hearing; that s/he be informed of the case against him/her; be given an opportunity to prepare and present his/her case and that the institution taking the decision be unbiased.
Stock Market Integration of Asean+6 on Indonesia Composite Stock Price Index ...inventionjournals
The impact of economic globalization allow intertwined relationships and interplay between capital markets in the world. Attractive financial instruments and are commonly used as an alternative to investing in the stock market one of them is stock.This research aimed to analyze the relationship of the integration of ASEAN + 6 long term and short term stock market on Indonesia Stock Price Index (JKSE), to test the effect of ASEAN + 6 stock market shock on Indonesia Stock Price Index (JKSE) and provide managerial implications that could be performed by investors. Method that used in this study is VAR/VECM. Result show that PSEi, Kospi and BSESN have positive correlation toward JKSE, while SET, NZX50, and SSE have negative correlation toward JKSE. In short term, PSEi and Kospi show negative correlation toward JKSE. Stock price index KLSE, Nikkei225, STI and AORD show no influence toward JKSE. PSEi, Kospi and BSESN stock price index shock have effect to increasing JKSE in long term, while SET, NZX50, and SSE stock price index shock have effect to decreasing JKSE in long term. For those investors who invest in the BEI shall observe the movement of the stock price index of the Philippines (PSEit), the stock price index of the Republic of Korea (Kospi) and index stock price index of India (BSESN) as a reference or consideration for investment decisions. Investors from Indonesia may invest in Malaysia, Japan, Singapore and Australia where the three countries based on test VECM have no effect on Indonesia Composite Stock Price Index.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
A study on banker's perception of electronic bankingRAVICHANDIRANG
Information and communication technologies have changed the working of the banking industry in the last few years. The
transformation is expected to quicken their pace in the coming years. The trend towards electronic delivery of products and
services is dramatically changing in the financial service industry, where the shift is partly as a result of consumer demand
but also a ruthless competitive environment. The present paper is an attempt to understand the use and benefits of e-Banking
from Bankers’ perspectives. This paper is the outcome of an empirical study with the objective of investigating bankers’
views regarding e-banking. It covers bankers’ perspectives on e-banking activities of respondents, impact of e-banking and
promotional measures used by banks to promote e-banking. The customers generally use e-Banking services on persuasion of
bankers. The bankers are convinced that e-banking helps in improving the relationship between bankers and customers and
that it will bring patent improvement in the overall performance of banks. So far as promotional avenues are concerned,
print media is at the top. The sources used from secondary level of data.
Factors Affecting Customers’ Experience in Mobile Banking of BangladeshDr. Nazrul Islam
Bangladesh is a densely populated country of the world. More than 170 million people live in this country. Mobile banking is a very important and new phenomenon in Bangladesh. In recent years, mobile banking has got highest importance by the customers in the country as it provides immense scope for consumers for banking transactions at any time with the option to access bank’s facilities anywhere of the country. It is a subset of electronic banking, the use of which is increasing day by day in Bangladesh. Hence, this paper aims at indentifying the factors that influence the customer experience in mobile banking in Bangladesh. This study is based on a survey of 231 mobile banking customers of nine private commercial banks of Bangladesh. Literature review identified some factors related to mobile banking like convenient and responsive system, transaction speed and accuracy, reliability, transaction security in ATM booth and technological difficulty that affect customers’ experience in mobile banking systems etc. Both descriptive and inferential statistics were used to analyze the data. Descriptive statistics were used to describe the present situation of the mobile banking systems in Bangladesh. Inferential statistics like factor analysis, multiple regression analysis and Structural Equation Modeling (SEM) were used to identify the relationships between the overall experience of the mobile banking customers and the specific factor(s) that affect customers experience in mobile banking. Results show that the convenient and responsive system, transaction security in ATM booth and technological difficulty are significant factors that affect the customers experience in mobile banking of Bangladesh. This study suggests that the policymakers should focus on the convenient and responsive system of mobile banking, transaction security in ATM booth and technological difficulty factors that affect customers experience in doing mobile banking for the improvement of the mobile banking services in Bangladesh.
International Journal of Business and Management Invention (IJBMI)inventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online
The Identification Level of Security, usability and Transparency Effects on T...Waqas Tariq
This paper presents an Expert E-Commerce Trust System (EECTS), showing a possibility to confidence e-business processes by Adaptive Neuro-Fuzzy Inference Systems. The research has empirically tested the critical factors that influence an individual’s decision in the process of buying products or services online. The proposed model applies Adaptive Neuro-Fuzzy model to converging business processes to get the desired results. The system is adaptive since it uses neural network learning ability for its adaptation. The results of this study show that the security, web site design and familiarity, directly influence user’s trust in e-businesses since these factors lie the closest to the user and are deciding factors for the users and influence their decisions regarding transactions in e-commerce. These results can be of importance for vendors since they show how the customers perceive trust and which factors can directly influence their trust in a vendor and their experience with e-commerce and that the factors can play a deciding role on whether or not a customer will make a purchase. The study also provides a device for sellers to improve their commercial websites. The data was collected via interviews, surveys and B2C websites. Two questionnaires were used in this study. The first questionnaire was developed for e-commerce experts, and the second one was designed for the customers of commercial websites. Also, Expert Choice is used to determine the priority of factors in the first questionnaire, and MATLAB and Excel are used for developing the Fuzzy rules. Finally, the Fuzzy logical kit was used to analyze the generated factors in the model. New method was compared with previous Expert E-Commerce Trust System (EECTS) that developed by Fuzzy Logic system too.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
CUSTOMER PERCEPTIONS AND SATISFACTION TOWARDS HOME LOAN AT PUBLIC BANKS OF TA...IAEME Publication
Tamilnadu has made a rapid stride in the development of urban cooperative banks with an aim to provide adequate and timely financial assistance to help the small entrepreneurs, middle class and weaker sections of the society. The present study was undertaken to analyze the perception of customers towards home loans of Public Banks of Tamilnadu. The paper examined the satisfaction level and problems faced by customers while availing loans. A sample of 100 customers of the bank comprising of public servants, Public sector employees and self-employed from its three branches serving Chennai, Kanchipuram and Thiruvallur Districts has been selected. The research has found that the customers of the bank were highly satisfied with the home loan services in relation to its services, transparency, time taken for loan approval, employee co-operation and query handling, prima facie of some problems like procedural delays, lack of knowledge and red-tapisim. The results further revealed that the main reason for people to prefer this bank is the trust of the customers in the bank, lower interest rates and easy repayable installments.
Perception and acceptability of electronic banking a study of the customers o...RAVICHANDIRANG
Today, e-banking is used as a strategic tool by the global banking sector to attract and retain customers. E-banking is a
generic term for delivery of banking services and products through electronic channels, such as the telephone, the internet,
the cell phone, etc. The concept and scope of E-banking facilitates an effective payment and accounting system thereby
enhancing the speed of delivery of banking services considerably. The present paper is concerned with the various ways of
doing banking electronically. The present article throws light on the customer aspect of e banking services and the customer
satisfaction level. It also gives a comparative study of customer’s perception of e banking services offered from Public sector
and Private sector banks
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
Water billing management system project report.pdfKamal Acharya
Our project entitled “Water Billing Management System” aims is to generate Water bill with all the charges and penalty. Manual system that is employed is extremely laborious and quite inadequate. It only makes the process more difficult and hard.
The aim of our project is to develop a system that is meant to partially computerize the work performed in the Water Board like generating monthly Water bill, record of consuming unit of water, store record of the customer and previous unpaid record.
We used HTML/PHP as front end and MYSQL as back end for developing our project. HTML is primarily a visual design environment. We can create a android application by designing the form and that make up the user interface. Adding android application code to the form and the objects such as buttons and text boxes on them and adding any required support code in additional modular.
MySQL is free open source database that facilitates the effective management of the databases by connecting them to the software. It is a stable ,reliable and the powerful solution with the advanced features and advantages which are as follows: Data Security.MySQL is free open source database that facilitates the effective management of the databases by connecting them to the software.
6th International Conference on Machine Learning & Applications (CMLA 2024)ClaraZara1
6th International Conference on Machine Learning & Applications (CMLA 2024) will provide an excellent international forum for sharing knowledge and results in theory, methodology and applications of on Machine Learning & Applications.
Low power architecture of logic gates using adiabatic techniquesnooriasukmaningtyas
The growing significance of portable systems to limit power consumption in ultra-large-scale-integration chips of very high density, has recently led to rapid and inventive progresses in low-power design. The most effective technique is adiabatic logic circuit design in energy-efficient hardware. This paper presents two adiabatic approaches for the design of low power circuits, modified positive feedback adiabatic logic (modified PFAL) and the other is direct current diode based positive feedback adiabatic logic (DC-DB PFAL). Logic gates are the preliminary components in any digital circuit design. By improving the performance of basic gates, one can improvise the whole system performance. In this paper proposed circuit design of the low power architecture of OR/NOR, AND/NAND, and XOR/XNOR gates are presented using the said approaches and their results are analyzed for powerdissipation, delay, power-delay-product and rise time and compared with the other adiabatic techniques along with the conventional complementary metal oxide semiconductor (CMOS) designs reported in the literature. It has been found that the designs with DC-DB PFAL technique outperform with the percentage improvement of 65% for NOR gate and 7% for NAND gate and 34% for XNOR gate over the modified PFAL techniques at 10 MHz respectively.
Literature Review Basics and Understanding Reference Management.pptxDr Ramhari Poudyal
Three-day training on academic research focuses on analytical tools at United Technical College, supported by the University Grant Commission, Nepal. 24-26 May 2024
A review on techniques and modelling methodologies used for checking electrom...nooriasukmaningtyas
The proper function of the integrated circuit (IC) in an inhibiting electromagnetic environment has always been a serious concern throughout the decades of revolution in the world of electronics, from disjunct devices to today’s integrated circuit technology, where billions of transistors are combined on a single chip. The automotive industry and smart vehicles in particular, are confronting design issues such as being prone to electromagnetic interference (EMI). Electronic control devices calculate incorrect outputs because of EMI and sensors give misleading values which can prove fatal in case of automotives. In this paper, the authors have non exhaustively tried to review research work concerned with the investigation of EMI in ICs and prediction of this EMI using various modelling methodologies and measurement setups.
Online aptitude test management system project report.pdfKamal Acharya
The purpose of on-line aptitude test system is to take online test in an efficient manner and no time wasting for checking the paper. The main objective of on-line aptitude test system is to efficiently evaluate the candidate thoroughly through a fully automated system that not only saves lot of time but also gives fast results. For students they give papers according to their convenience and time and there is no need of using extra thing like paper, pen etc. This can be used in educational institutions as well as in corporate world. Can be used anywhere any time as it is a web based application (user Location doesn’t matter). No restriction that examiner has to be present when the candidate takes the test.
Every time when lecturers/professors need to conduct examinations they have to sit down think about the questions and then create a whole new set of questions for each and every exam. In some cases the professor may want to give an open book online exam that is the student can take the exam any time anywhere, but the student might have to answer the questions in a limited time period. The professor may want to change the sequence of questions for every student. The problem that a student has is whenever a date for the exam is declared the student has to take it and there is no way he can take it at some other time. This project will create an interface for the examiner to create and store questions in a repository. It will also create an interface for the student to take examinations at his convenience and the questions and/or exams may be timed. Thereby creating an application which can be used by examiners and examinee’s simultaneously.
Examination System is very useful for Teachers/Professors. As in the teaching profession, you are responsible for writing question papers. In the conventional method, you write the question paper on paper, keep question papers separate from answers and all this information you have to keep in a locker to avoid unauthorized access. Using the Examination System you can create a question paper and everything will be written to a single exam file in encrypted format. You can set the General and Administrator password to avoid unauthorized access to your question paper. Every time you start the examination, the program shuffles all the questions and selects them randomly from the database, which reduces the chances of memorizing the questions.
Harnessing WebAssembly for Real-time Stateless Streaming PipelinesChristina Lin
Traditionally, dealing with real-time data pipelines has involved significant overhead, even for straightforward tasks like data transformation or masking. However, in this talk, we’ll venture into the dynamic realm of WebAssembly (WASM) and discover how it can revolutionize the creation of stateless streaming pipelines within a Kafka (Redpanda) broker. These pipelines are adept at managing low-latency, high-data-volume scenarios.
CHINA’S GEO-ECONOMIC OUTREACH IN CENTRAL ASIAN COUNTRIES AND FUTURE PROSPECTjpsjournal1
The rivalry between prominent international actors for dominance over Central Asia's hydrocarbon
reserves and the ancient silk trade route, along with China's diplomatic endeavours in the area, has been
referred to as the "New Great Game." This research centres on the power struggle, considering
geopolitical, geostrategic, and geoeconomic variables. Topics including trade, political hegemony, oil
politics, and conventional and nontraditional security are all explored and explained by the researcher.
Using Mackinder's Heartland, Spykman Rimland, and Hegemonic Stability theories, examines China's role
in Central Asia. This study adheres to the empirical epistemological method and has taken care of
objectivity. This study analyze primary and secondary research documents critically to elaborate role of
china’s geo economic outreach in central Asian countries and its future prospect. China is thriving in trade,
pipeline politics, and winning states, according to this study, thanks to important instruments like the
Shanghai Cooperation Organisation and the Belt and Road Economic Initiative. According to this study,
China is seeing significant success in commerce, pipeline politics, and gaining influence on other
governments. This success may be attributed to the effective utilisation of key tools such as the Shanghai
Cooperation Organisation and the Belt and Road Economic Initiative.
Hierarchical Digital Twin of a Naval Power SystemKerry Sado
A hierarchical digital twin of a Naval DC power system has been developed and experimentally verified. Similar to other state-of-the-art digital twins, this technology creates a digital replica of the physical system executed in real-time or faster, which can modify hardware controls. However, its advantage stems from distributing computational efforts by utilizing a hierarchical structure composed of lower-level digital twin blocks and a higher-level system digital twin. Each digital twin block is associated with a physical subsystem of the hardware and communicates with a singular system digital twin, which creates a system-level response. By extracting information from each level of the hierarchy, power system controls of the hardware were reconfigured autonomously. This hierarchical digital twin development offers several advantages over other digital twins, particularly in the field of naval power systems. The hierarchical structure allows for greater computational efficiency and scalability while the ability to autonomously reconfigure hardware controls offers increased flexibility and responsiveness. The hierarchical decomposition and models utilized were well aligned with the physical twin, as indicated by the maximum deviations between the developed digital twin hierarchy and the hardware.
1. International Journal of Business and Management Invention
ISSN (Online): 2319 – 8028, ISSN (Print): 2319 – 801X
www.ijbmi.org || Volume 5 Issue 1 || January. 2016 || PP-90-97
www.ijbmi.org 90 | Page
Impact of E-Banking User Behavior to Loyalty
Mohammad Arifin1
1
(Institut Bisnis dan Informatika STIKOM Surabaya, Indonesia)
ABSTRACT: This study aims to analyze the Influence of Customer Behavior electronic banking users in the
study of Islamic banks in East Java, using explanatory research (explanation), this study conducted a study of
the relationship between two or more variables, then tried to explain the phenomenon that happens on stage
early will know the extent to which customers believe in the existence of e-banking, after further customer
confidence arising will form a true customer commitment and, last but not least the importance of trust and
commitment to the customer then tested as well whether it will also create a customer loyalty to the existence of
e- banking.
KEYWORDS–Explanatory, E-Banking, Syariah Bank, Trust, Commitment, Bank Customer
I. INTRODUCTION
The new concept in today's social order continued to appear this is one sign of globalization has grown
mainly in the economic activities and the new bisnis.Konsep have led to new theories that include, opposed even
replaced some of the old concept or theory into the new theory. Some examples of these concepts include the
digital business, the business of the Internet, knowledge-based economy, e-commerce, e-marketing, e-business,
e-finance, e-banking, e-money, digital cash, and less-cash society. All these new concepts are developed and
diterapannya related to Information and Communication Technology (ICT) in the business sector and the
economy.
The utilization of information technology and communication for users both among individuals and
organizations that can take anywhere from remote villages are sparsely populated until the dense urban
population, the utilization of information and communication technologies conducted on all activities by means
of new, innovative, instant, transparent, accurate and timely, so as to provide more convenience to manage /
enjoy life.
Development of information technology and digitization in all areas seems increasingly inevitable,
including dalamlingkup also perbankan.Perkembangan technology applications in the banking sector is
currently growing very pesat.Kondisi this terutamadidukung by the application of Internet technology. On the
other hand, individual mobility is also higher and so we need tehkologi applications that can answer all the
demands of mobility. In these conditions it is reasonable if later use on semuapiranti-based technology into a
kind of lifestyle and workstyle because almost all the work there is also demanding applications tinggi.Terkait
technology, Bank Indonesiayakin that electronic banking or e-banking is the gateway to the world of banking
future.
The large-scale business users and people who have high mobility has a need for a system that is cost-
effective, flexible, secure, automated, integrated and reliable without having constrained space and time. Traffic
congestion in major cities now no longer an obstacle to suspend business transactions for all application
transactions can be done only with a handheld or smart phone other tools. Model of face-to-face contact at this
time sudahmakin reduced. Consumers who reach this stage are referred to as "smart customer". Although the
number of customers is still a little smart, especially only exist and thrive in urban areas, but surely, the
community will also be a smart customer switching in the long term, as well as smart customer in the banking
sector.
The above phenomenon with all the ease and simplicity of the procedure, increasingly strengthened, in
line with the more practical way of human life. Convergence between telecommunications and information
makes people no longer require a certain space for bekerja.Kantor be virtual because people can work anywhere,
even while moving with Computer-mobile devices. Progress more real and gives ease of Internet banking today
which still requires device untuktransaksi computers with modems, but mobile banking or m-banking can be
done from anywhere saja.Batasannya, the mobile phone used to be in the range of signals the Base Transceiver
Station (BTS). The use of information and communication technology very rapidly in the banking and Bank
Indonesia uses the term Information System Technology or Banking TSI for all information and communication
technology applied in banking services.
2. Impact of E-Banking User Behavior to…
www.ijbmi.org 91 | Page
The above phenomena which encourage researchers conducted a study of Islamic influence
compliance, communication and quality of e-banking to customer confidence, commitment and loyalty of users
of electronic banking customers in East Java. East Java Province is the largest province on the island of Java
were offset by the largest number of adherents also in the Islamic religion, the tendency of modern lifestyle and
many people are already using the internet facilities, good for browsing, email, chat and mailing list. Therefore
this research title is "Islamic Influence Compliance, Communication and Quality of Services To Trust,
Commitment and Loyalty Electronic Banking User Customer (Customer's Studies in Islamic banks in East
Java)".
II. LITERATURE REVIEW
2.1. Bank Consumer Behaviour Research
Consumer behavior is when a person processes and activities associated with the search, selection,
purchase, use, and evaluation of products and services to meet the needs and desires. Consumer behavior is the
underlying things consumers to make purchasing decisions. To lower selling valuable items (low-involvement)
decision-making process is done with ease, while the valuables to sell high (high-involvement) decision-making
process is done with careful consideration. Referring to the three properties of of consumer behavior, this
research using variables related to consumer behavior (customer) consisting of Islamic Compliance, Trust
(Trust), Commitment (commitment), and Customer Loyalty (Customer Loyalty) are described as follows :
A. Islamic Compliance
Islamic compliance have meaning as obedience or adherence to Shari'a or Islamic values in conducting
business operations and under the principles of Islam, with the things that people can do the perception of
compliance or adherence to the business of the sharia that will encourage trust Islamic society on business the
(Ratnasari, 2012). Islamic istlah Compliance can be referred to as Shari'ah compliance in terms of development
can be classified as behavioral theories used to predict the intentions of (interest) and public perception in
Islamic banks on the practice and implementation of Shariah compliance as accountability adherence to the
principles of Islamic banks shariah.
The mentioned above refers to the studies using the theory of reasoned action / TRA (Ajzen & Fhiesbein,
1980), because the TRA or the theory of reasoned action has been developed using a cognitive approach, the
basic idea that: "... humans are animals who diciding what reasonable actions to take, systematically process and
utilized the informations available to them "(Smet in Jogiyanto, 2007). This means TRA explains that the
interest of a person to do or abstain from doing any act is a direct determinant of its behavior (Jogiyanto, 2007).
In fact it is time for technology development discourse of the central bank's sharia as common umbrella
for all banks operating under Islamic system. After all Islamic banks require a separate central bank institution,
separate from the existing central bank. Because it is not possible in an institution there are two systems that
have differences in a very fundamental, consequently there will always be problems that could hinder the
development of one of them. In this case, it could be obstructed is the development of Islamic banking.
According Algaoud and Lewis (2001) as well as Antonio (2001) that Islamic compliance in e-banking
systems include religious symbols, Business kosher, the Prohibition of Riba and implementation of Zakat. While
research Othman and Owen (2003) that the islamic compliance contained in a series of quality services in
Islamic banking known as the Islamic CARTER compliance model is a very powerful means Adherence to the
principles and laws of Islam.
B. Trust
Trust is the foundation of the business. A business transaction between two or more parties would occur
if each mutual trust. Confidence (trust) is not simply to be recognized by the other parties / business partners,
but must be built from scratch and can be proven. Trust has to be considered as a catalyst in transactions
between buyers and sellers so that customer satisfaction can be realized as expected (Yousafzai et al., 2003).
Some literature has defined a trust with a variety of approaches (Mukherjee and Nath, 2003). At
first trust widely studied of the discipline of psychology, because it relates to a person's attitude. On
development, the trust into the study of various disciplines (Riegelsberger et al., 2003; Murphy and
Blessinger, 2003; Kim and Tadisina, 2003), included into the study in e-commerce. Based on the
above definition, it can be stated that the trust is a trust given to the other party in the relationship
transaction based on a belief that the person who believes it will meet all the obligations as well as
expected.
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C. Commitment
According Tjiptono (2005: 415), a number of research shows that the two main pillars of relationship
marketing is trust and commitment. In other words, the customer must trust marketers and subsequently
committed to the marketers can be established before a mutually beneficial relationship in the long term. Trust is
the most crucial factor in any relationship, in general, trust will be formed first before the commitment appears.
According Tjiptono (2005: 415) committed a desire or a strong desire to maintain and continue relationships
that are deemed significant and long-term value. Commitment is usually reflected in cooperative behavior and
active measures to maintain the relationships that have been nurtured. Furthermore, according Tjiptono (2005:
415) customer commitment is to build long-term relationships with cost effective, for mutual benefit of both
parties.
.
D. Customer Loyalty
Customer loyalty (Customer Loyalty) is a strongly held commitment to conduct recurring transactions or
reuse of e-banking (repatronize) goods or services consistently favored in the future. Customer loyalty can be
created if the service level is done high (superior) so that customer behavior will be favorable (positive), ie
customer trying to strengthen the relationship or access to e-banking, for example: declare positive things about
e-banking, remain loyal to the e-banking , recommends e-banking on others and increasing the volume of
transactions is available in e-banking. Otherwise the behavior of the client states are unfavorable (negative) and
relationships as well as access to e-banking becomes weak, it means that the attitude of loyal customers will be
reduced. Richins (1983) suggest that consumers perceive the quality of service in inferior possibility to show
certain behaviors. Like, severed ties with the company, reducing spending by companies, and
mengkomplain.Behavioral intentions is what will mark whether consumers will remain loyal or switch.
Components of loyal customer behavior can be measured in terms of: the amount of rupiah or volume of
products or services in a transaction over a specified period; Customer lifeture, or the average length of time or
Number of brands purchase (the number of brands purchased), which is the level the percentage of customers of
a product to only make transactions from several options, measured in months or years, the period of time that
the average length of customer doing business with banks; Customer share ie the extent to which a customer
mememenuhi every requirement on the type of products and services they want from a transaction with the
company; or Repurchase rates (rate of repeat purchase), the level of the percentage of customers who bought the
same brand with the product. Generally loyal customers will continue to purchase the brand even though faced
with many alternative brand of a competitor's product that offers superior characteristics of the service which is
viewed from different angles attributes. When many customers of a brand in this category means the brand has
strong brand equity.
Loyalty Conative The researchers defined as the development of interest in the behavior to continue to
buy the brand. Loyalty state characterized by a deeper level of commitment (Hennig-Thurau et al. 2002; Janda
et al., 2002). Loyalty Conative concept in online Loyalty can be defined as the extent to which customers show
a commitment to continue to use the website in the future. It is accompanied by a willingness to overcome
obstacles to the pursuit of these goals, for example, continue to make purchases from a competitor's web site
even though the site may offer a better price (Roy, 2009).
2.2. E-Banking Quality
Quality of electronic banking in general is the quality of the service in principle implies that the quality
should start from the needs and desires of customers, and end at pelanggan.Hal perception this means that image
quality is good not be seen from the perception of the company, but rather based on customer perceptions.
customer perception of service quality, is a comprehensive appraisal of the benefits of a product or service.
Quality of service established by a comparison between the ideal conditions and the perception of the
performance dimensions of quality (Oliver, 1993). So it can be said that the quality of the product or service a
customer assessment of the performance excellence of products or services consumed (Mowen, 1995).
Unlike the process models, causal models (Causal Model) or also called the model variant (varience
Model) attempted to explain the covariance (covariance) of elements models to determine if the variance of the
elements can be explained by the variance of other elements or words others to determine whether there is a
causal relationship between the elements.
2.3. Development Success Model of Information System Implementation
The basic model of success of information systems mentioned above further developed and Replaces by
DeLone and Mclean in 2003 by adding variables or dimensions of service quality (Quality Services) and the
latest model is called the Updated DeLone and Mclean (D & M) Information System Success Model.
Development success models of information system implementation based on information quality, system
quality, service quality and trust.
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2.4. E-Banking
The emergence of the Internet, electronic commerce and communication technologies, causing the user
response to this technology has opened up opportunities for many companies, including financial institutions as
well as the banking industry to make the adoption of electronic banking services. E-banking is defined as
automatic channel for bank products and services directly to customers through electronic, interactive
communication channels. E-Banking includes the systems that allow bank customers, both individuals and
businesses, to access accounts, transact business, or to get information about bank products and services through
private or public networks, including the Internet. Customers can access e-banking through smart electronic
devices such as computers, mobile phones, ATM, or telephone.
With the diversity of the ease of transactions via e-Banking, then the choice is the customer to take
advantage of e-banking periodic and ongoing transaction. This will make the customers can have more
confidence in the use of e-banking, trust can also be caused by several things: there is the ease of
communication that is marked with menus and features are easy to understand, the e-banking system, both
conventional and Islamic, and no less pentinya is the quality of services provided e-banking as quality
information, quality responship and so forth. Above beliefs will ultimately lead to customer loyalty on both
routinely and continuously to carry out transactions on e-banking. both conventional and Islamic.
III. RESEARCH METHODS
3.1. Data Collection and Sample Characteristics
The overall population is a collection of objects to be measured in the study (Cooper and Schindler,
2003: 179). Meanwhile, according to Arikunto, (2006) stated that the entire population is the subject of research.
Population can also be interpreted as a generalization region consisting of objects or subjects that have certain
qualities and characteristics defined by the researchers to be studied and then drawn the conclusion (Sugiyono,
2007). The population in this study is not limited or not affordable and hereinafter called infinite population.
Population was taken of all the users of e-banking customers who have made banking transactions through
Automated Teller machne (ATM), SMS Banking, Mobile Banking or Internet Banking on Syariah BRI and BNI
Syariah located in East Java province.
The research sample is a part of the population that can be used generalization population, the sample can
also be called a part of the population (have now, 2006), from the sampling is useful for researchers to parse and
draw a conclusion. Samples is an element that is selected to represent the population in the study population
(Cooper and Schindler, 2003: 82). While the sampling (sampling) is a process of selecting and sorting a
sufficient portion of the population that has been defined previously. While sampling the region of Islamic
banking is done by proportional random sampling method is a sampling technique based on region selection is
done proportionally, so that each region of the population has an equal chance in the selection of sample areas.
So in this phase of the selected sample is the city of Surabaya, Malang, Kediri, Madiun, Gresik, Sidoarjo,
Jombang, Mojokerto and Bangkalan, the total population of the nine regions in particular who are customers of
Islamic banks at least 2 years 5,425,010 people.
3.2. Data Analysis
Questionnaire that was returned by the respondent selected filling completeness, only complete filled
questionnaires are used, the data that have been selected in accordance with the coded variables and
classification variables, and then using the software are microsoft office excel 2007 data is processed in the form
of tabulation. Referring to the hypothesis that has been formulated in the previous chapter, this study used
quantitative research methods. While the analysis of quantitative data is measured using a statistical tool
generalized structural component analysis (GSCA), GSCA is multivarial data analysis of structural modeling.
GSCA structural modeling is not meant to produce a model but used to confirm a theoretical model through
empirical data.
3.3. Research Hypotheses
Based on a literature review, framework and previous research is empirical research has researchers
refer, then the model research hypothesis is composed as follows:
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Figure 1. Research Hypotheses Model
Based on the model, the research hypothesis in detail and in detail described as follows:
Hypothesis 1: Compliance Islamic influence on customer loyalty
Hypothesis 2: Islamic complience effect on customer trust
Hypothesis 3: Quality of Service E-Banking effect on customer confidence
Hypothesis 4: Quality Service E-Banking effect on customer loyalty
Hypothesis 5: Customer trust affect the commitment of the Customer
Hypothesis 6: Customer trust influence on customer loyalty
Hypothesis 7: Commitment to customer influence on customer loyalty
Hypothesis 8: Islamic complience effect on customer commitment
Hypothesis 9: Quality of Service E-Banking effect on customer commitment
IV. RESULTS
4.1. Structural Equation Model
GSCA An analysis of Structural Equation Modeling 3rd generation developed by Heungsun Hwang, Hec
Montreal and Yhoshio Takane in 2004. The aim is to replace the factors with a linear combination of indicators
(manifest variables) in the SEM analysis. This analytical approach using the least squares method (least square)
in the parameter estimation process. GSCA developed to avoid shortage of PLS (Partial Least Square), which is
equipped with a global optimization procedure such as the procedure in SEM, also retains a local optimization
procedure (as in PLS) so powerful to confirm the theory. GSCA method can also be applied to the complex
relationship between variables (can be recursive and reciprocal), involves higher-order component (factor) and
multi-group comparison.
Tanenhaus (2008) states that GSCA is a new method of SEM-based components, it is very important
and can be used for the calculation of the score (not to scale) and can also be applied to a very small sample. In
addition, GSCA can be used on structural models involving variables with indicator reflexive or formative.
Singularity and multicoloniarity problems often become serious obstacles in using the structural model analysis
of covariance-based SEM. Hwang (2009) says that, in practice, allow GSCA multicoloniarity occurrence, which
happened a strong correlation between the exogenous variables. Structural model specified by the appropriate
(based theory and the results of the research hail) better analyzed with covariance-based SEM (eg by software
AMOS or LISREL). On the other hand, when the specified models are less precise (basic theory or research
findings not already exist) then the SEM analysis based components used better and more recommended. SEM
analysis based components GSCA is a better alternative compared with PLS, which has a better recovery
parameters (Hwang et al., 2010). However, GSCA also be applied to the structural model already strong
theoretical foundation, or in other words as a confirmatory method of analysis.
4.2. Goodness of Fit
Overall suitability test models associated with GOF analysis of statistics generated by the program, in
this case GSCA. Using guidance measures GOF GOF and statistical results, it can be done overall model fit
analysis as follows:
Table 1. Goodness of Fit Index (Inner Model)
Goodness of fit
Index
Cut of Value Result Information
FIT > 0,513 0,513 Model good fit
AFIT > 0,513 0,508 Model good fit
GFI > 0,900 0,987 Model good fit
SRMR < 0,080 0,164 Marginal fit
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4.3. Structural Model
This section relates to the evaluation of the coefficients or parameters that indicate a causal relationship
or influence the latent variables to other latent variables. A causal relationship is expressed not significant if the
value of the critical ratio (CR) is between the range of -1.96 and 1.96 with a significance level of 0.05. With the
help of the application program obtained GSCA critical ratio value estimated structural model.
Table 2. Inner Model
Variables Path
Coefficient
Direct
Order
CR Conclusion
Independent Dependent
ISCOM TRUST 0,325 10,56% 4,78 Significant
ISCOM COMIT -0,077 0,59% 0,75 Not Significant
ISCOM LOYAL -0,072 0,52% 1,12 Not Significant
EBSQUA TRUST 0,424 17,98% 5,85 Significant
EBSQUA COMIT 0,438 19,18% 5,02 Significant
EBSQUA LOYAL 0,433 18,75% 5,36 Significant
TRUST COMIT 0,294 8,64% 3,4 Significant
TRUST LOYAL 0,226 5,11% 3,84 Significant
COMIT LOYAL 0,319 10,18% 4,96 Significant
Figure 2. Measurement Model dan Structural Model Path Diagram
V. CONCLUSION
Electronic banking services is not only done by conventional banks but can be applied to Islamic banks
that are currently rapid development. It can be seen from the information from the Office of Communications
and government information East Java (2013) said that until the end of October 2013 Bank Indonesia recorded
total assets of Islamic banking in Indonesia reached Rp 229.6 trillion, with growth of 31.9% in yar-on- year
(yoy). Share of assets of Islamic banking industry in Indonesia against the total banking reached 4.9%, At the
end of 2013 is also the number of Customers of Islamic banks stood at 16.74 million, or approximately 9% of
the total banking customers in Indonesia. Of these, customers Islamic Banks (BUS) or Sharia Business Unit
(UUS) totaled 15.58 million to 3.31 million of whom are customers of 12.27 million financing and customer
deposits.