trust is one of the most important factors for the development of electronic banking. the purpose of this study is to determine effective factors on trust in e-banking in the form of a conceptual model. due to the rapid growth of electronic banking in the country, identify factors affecting trust in e-banking is very important. population of this study is customers of bank melli in urmia. we us...

Introduction Throughout the last years competition in the banking industry has grown dramatically. Almost daily, headlines in the business press portray the financial services industry under the threat of massive change. The financial services industry is changing fast and very noticable. Old ways of doing business are disappearing rapidly. public it is the fifth biggest bank in Germany conside...

Only 25% of bank customers currently use online banking in Australia. The banks want more people to use their online services, not just for transaction histories and transfers, but also for other services such as loan and credit card applications. This paper discusses the use of actor-network theory as a lens to view online banking practices in Australia. We explore the heterogeneous user group...

With the development of electronic commerce (e-commerce), the electronic payment (e-payment) has become a popular method of payment. Its security and trust are the great attention of customers. This paper is an attempt to compare the current widely used e-payment systems to invest the issues and priority of e-payment over ecommerce, specifically the B2C e-commerce in a specific market China. Gr...

The study focused on customer awareness and perception of the usage e-banking in commercial banks Zanzibar. specific objectives were: • To assess level customer's Peoples Bank Zanzibar, analyze customers' Zanzibar examine challenges facing bank used a descriptive design that involved qualitative quantitative approaches. A population 104000 customers PBZ was considered. Data were collected using...

The purpose of this paper is to examine co-creation of non-economic values in Islamic banking services and their significance for service science by comparing Islamic and conventional banking services. Although many scholars have discussed co-creation of values in services, most of them have focused on only economic values. Following Sharia (Islamic principles that are based on Qur’an and Sunna...

1. Introduction Facing continuously changing and highly competitive business environment, banks have invested heavily in information technology (IT) to enhance operating efficiency and sustain competitive advantage. Banks have deployed different IT to offer multiple service channels to serve customers and satisfy their needs. Strategically utilizing IT to optimize operating performance, banks h...

Advent and adoption of internet by the industries has removed the constraint of time, distance and communication making globe truly a small village. Financial sector being no exception, numerous factors such as competitive cost, customer service, increase in education and income level of customers etc. influence banks to evaluate their technology and assess their electronic commerce and interne...