• East Asian Journal of Business Economics (EAJBE)
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• v.5 no.1
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• pp.27-32
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• 2017

The main objective of this study is to find the Interrelationship between Service Quality, Electronic Banking and Customer Satisfaction in Commercial Banks in Uganda. A review of literature was conducted to find out the relationship among Service Quality, Electronic Banking and Customer Satisfaction. The literature review confirms this relationship. A survey was conducted to collect data. The sample size of 210 commercial banking customers was drawn from different banks in Uganda. The result shows, the Electronic banking adoption was found to have a positive relationship with Service Quality, Service Quality was found to have a positive relationship with Customer satisfaction; and Electronic banking adoption had a positive relationship with Customer satisfaction. In light of the findings various recommendations were put across on how retail banks can better satisfy their customers through the use of electronic banking channels. Electronic banking adoption will then foster Service Quality where a customer's service expectations are exceeded by the actual service She/he obtains. This will then bring about Customer satisfaction where the customers find that their needs are met by the service.

• Asia pacific journal of information systems
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• v.23 no.1
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• pp.65-86
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• 2013

Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing internet banking and mobile banking in Indonesia. Using a structural equation modelling approach. We found that system quality had positive impacts on perceived usefulness and end-user satisfaction for both internet banking and mobile banking. The development of e-banking (internet banking and mobile banking) in Indonesia is in its initial stage. Finally, although we tested for the common method bias to relieve concern, further research may use multiple methods when collecting the data. This study investigated the role of each dimension of IS success in the electronic banking environment. While the original IS success model emphasizes individual and organizational impacts, we have argued that trust is an important indicator of IS impact on an individual socially in the banking industry. The contribution of our study is two-fold. Conceptually, the study is the first to extend the IS success model to the e-banking context. We provide an extension of the updated IS success model by adding trust as an outcome variable in the research model.

• East Asian Journal of Business Economics (EAJBE)
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• v.3 no.2
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• pp.13-20
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• 2015

Online or e-banking has been adopted as key banking innovation in Uganda adopted by all financial institutions in the country. This research explored the state of e-banking and its efficacy in Uganda banking industry. A correlation analysis approach was adopted for this research. In Uganda, the banking sector has been liberalized with telecommunications allowed to effect e-banking and ecommerce transactions. The study concentrated on the periods of years 2011/2012 and 2012/2013. Findings from this research revealed that BOU uses UNISS for real time gross settlement (RTGS). Since its adoption a +1 coefficient correlation was realized. With the use of mobile money, also a +1 coefficient correlation was achieved for the period under consideration. As regards the use of e-cheques, there was a drop reflected by -2.8 percent which could have been attributed to perception of the users, though there was a +1 coefficient correlation when considering e-cheque transactions and the monetary value. The use of EFT in Uganda generated a +1 coefficient correction considering the number of users and the monetary value involved. Bank of Uganda should work hard and make or go live with electronic banking supervision software which would aid them with their supervisory roles.

• Proceedings of the Korea Database Society Conference
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• 2010.06a
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• pp.249-264
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• Asia pacific journal of information systems
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• v.11 no.4
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• pp.43-62
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• 2001

Recently, as information and communication technology is swiftly developed, consumers feel more convenient in making use of as well as access to the banking service. This change must affect consumer's benefit, however, there are rare previous studies and methods for measuring it. Thus, we utilize hedonic price technique to estimate consumer's benefit of electronic banking information. The results indicate that the price elasticity of consumer's communication service expenditure regarding the use of electronic banking information is about 0.057%. That is, users have willingness to pay 57 Won more than current communication fee for acquiring the additional electronic banking information.

• Journal of Digital Convergence
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• v.13 no.4
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• pp.175-189
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• 2015

As issues of Fintech(Financial technology) emerge, research on electronic banking is growing and garnering much attention in the market. This study analyzed 184 studies on e-banking over 15 years, from 2000 to 2014. Using meta-analysis, the paper draws attentions to the trends in domestic electronic banking studies. Interest peaked in 2008, when 28 papers were published and 35 theses in Information Security and Cryptology were announced. This research focus emphasizes the impact of e-banking services, technology and infrastructure, and laws and regulations on society. Electronic payment systems are a focal point of research on technology and infrastructure. Research on the e-finance market have influenced studies on the financial progress and other social issues. Benefits of this research include a better understanding of the trends in electronic banking studies and its influence on related fields, as well as help electronic banking-related policies and technology research.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.6 no.2
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• pp.25-50
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• 2011

The purpose of this study is to investigate the difference of performance between banks with electronic-based banking service and banks without electronic-based banking service in Korea. The performance indicators we use are DEA efficiency and profitability such as NI, ROA and ROE. The findings are that the performance of bank with electronic banking service are significantly different from that of bank without electronic banking service in DEA efficiency, financial efficiency(cost and revenue) and profitability. But there are some differences among the type of electronic-based service channel that banks provide. The banking channels comprise two major groups: the traditional channels and e-channels. E-channels provide cost-saving for banks and their clients. Among them, only card-related ATM significantly affects the profitability of banks in the positive direction, and technical efficiency also affects the bank's profitability. But the others do not affect.

• Convergence Security Journal
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• v.20 no.2
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• pp.37-52
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• 2020

The EU, the United Kingdom and South Korea are actively pursuing open banking to open financial information to fintech companies for financial structure reform and convenience of financial consumers. As open banking is gradually activated, the importance of stability and protecting users of open banking will increase. In particular, Korea has an electronic financial transaction law that has been in effect since 2007 to secure the stability and reliability of electronic financial transactions, but it is difficult to apply to participating organizations in open banking, so there is a risk of preventing security accidents and weakening user protection in open banking. Therefore, this paper examines the foreign legal system of open banking and analyzes the structure and characteristics of domestic open banking and suggests the ways to improve regulations necessary to strengthen open banking stability and user protection.

• Journal of Information Technology Applications and Management
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• v.17 no.2
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• pp.207-223
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Especially from current year when Carriers in domestic plans to provide the services using 2.5G networks the service providers choose wireless e-commerce as the main parts of wireless internet strategy and will provide a various of services. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• The Journal of Information Technology
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• v.2 no.2
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• pp.107-125
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• 1999

The growing popularity of Internet and the technology revolution of information communication has affected our financial system, and electronic banking has increased its scale and range since '90. Now this changes, deeply and fast, invade the our economical-social environments. Without having to go to a bank, customer and merchants will be able to perform freely complicated financial transactions by accessing online banking network and CD/ATM etc. Customer can use the various payment method - cash, credit card, smart cards, electronic money in real world and cyberspace, and manager the assets more efficiently. They increased their money liquidity yet. Banks need to expand the various baskets of transaction services and methods to satisfy their customer needs and create new participator, Government had to evaluate and forecast the trend of electronic banking, and establish a new rules and standards in the new electronic payment system.