Now a day’s due to emerging global economy, e-commerce and e-business have increasingly become a necessary component of business strategy and a strong catalyst for economic development. The integration of information and communications technology in business has revolutionized relationships within organizations and those between and among organizations and individuals. The new information techn...

Digital Financial Services continue to expand and replace the delivery of traditional banking services to the customers through innovative technologies to meet the growing complex needs and globalization challenges. These diversified digital products help the organizations (service providers) to improve their firm performance and to remain competitive in the market. It also assists in increasin...

One of the haunting problems of Internet banking in Malaysia is the slow in acceptance of this innovative distribution channel for banking products and services. This paper addresses the perceived e-commerce security influence on adoption of Internet banking, and the role of national environmental factors such as attitude, subjective norms, and perceived behavioral control factors towards adopt...

The technology based self service banking (TBSSB) refers to automated banking services that customer avail in self service mode using various electronic banking channels, without any interaction with bank employees. Researchers have used numerous methods to evaluate automated banking service quality. In this paper, a methodology to quantify the overall effect of key TBSSB service quality attrib...

Many banks in Saudi Arabia are starting to offer banking services through mobile phones. However, not many studies investigate the factors that may help the bankers to design mobile services, which are suitable for and adoptable by bank customers. This study fills this gap and examines a number of factors affecting the mobile banking adoption. Using Diffusion of Innovation as a baseline theory,...

This paper introduces the concept of modularity in financial services, discusses how new value chains are created and addresses emerging opportunities for innovative business models in the digital economy. We argue that innovation occurred in the banking sector despite the lagging adoption of new operational practices but due to technology drive for new ways to provide services. Banking innovat...

One of the most significant factors to the survival of many service-based firms such as banks and insurance companies is customers’ continuous use of their IT services. The focus of this paper is on replicating IS Continuance Model (Bhattacherjee, 2001) in the mobile banking context. We collected data by surveying 256 college students who were users of mobile banking applications of multiple ba...

Service digitization increasingly impacts work and life. A frequent example is Internet banking. While customers act independently from time and space constraints, banks benefit from significantly lower transaction costs compared to branches. However, customers use online channels for distinct transactions and favor physical interactions with bank advisors for others. To understand the underlyi...