Search results for "banking service"
showing 8 items of 8 documents
L'inclusione finanziaria come strumento di cittadinanza degli immigrati
2021
La actual crisis económica, producto de la propagación del COVID-19, que provocó el bloqueo de cadenas productivas enteras, replantea dramáticamente el tema de la inclusión financiera de personas en condiciones de vulnerabilidad económica y social, como los inmigrantes. El fenómeno de la inclusión financiera de los inmigrantes, en general, tiene un carácter multidimensional, estando vinculado a factores sociales, culturales, lingüísticos y religiosos. La definición de inclusión financiera postula una definición previa de la otra cara de la moneda, que es la exclusión financiera, que tiene una estrecha relación con la exclusión social, siendo una la causa de la otra, en una especie de círcul…
Consumption values and mobile banking services : understanding the urban-rural dichotomy in a developing economy
2021
PurposeThis study develops a theoretical model of consumption values regarding the technology adoption of mobile banking (m-banking) services, with the financial service sector as the empirical context. This study aims to evaluate whether consumption values influence trust and intention. Furthermore, the authors explore how the consumer type (i.e. urban vs rural) differs in consumption values regarding adopting m-banking services.Design/methodology/approachThe data for this study were gathered from 246 responses collected from individuals living in a country with a developing market, using a survey instrument. The six study hypotheses were tested using partial least squares structural equat…
Usability and Trust in E-Banking
2007
This study assessed the role of usability in trust of e-banking services. A questionnaire was administered to 185 Italian undergraduate working students who volunteered for the experiment (M age = 30.5 yr., SD = 3.1). Participants were differentiated on computer ability (Expert, n=104; Nonexpert, n = 81) and e-banking use (User, n = 93; Nonusers, n = 92). Analysis showed that the website usability of e-banking services did not play a very important role for the User group. Instead, institution-based trust, e.g., the trust in the security policy of the Web merchant, customers, and the overall trust of the bank were the crucial factors in the adoption of e-banking. © Psychological Reports 200…
Studying the User Experience in Online Banking Services: An Eye-Tracking Application
2019
Abstract Neuromarketing as research method contrbutes to understanding consumer behavior a step further than traditional marketing research. The aim of the current study is to explore the usability and cognitive understanding of banking services webpages. In this regard, the theoretical part of the article reviews the relevant literature related to neuromarketing as research method and the use of eye-tracker as research technique. Further on, a two-step research design was developed for studying the consumers’ attention and memory during and after viewing two Romanian banking services websites. The results showed that the way information is structured and presented on the webpages influence…
LA MULTICANALITA’ NEL RETAIL BANKING: INNOVAZIONI, STRATEGIE, RISCHI
2017
Il presente lavoro intende prendere in esame i processi di innovazione tecnologica ed organizzativa nel mercato dei servizi di retail banking, con particolare riferimento all’accesso multicanale ai prodotti e servizi bancari che, inquadrandosi nei profondi cambiamenti della struttura distributiva delle banche intervenuti negli ultimi anni, rappresenta un connotato strutturale del mercato dei servizi bancari retail. Saranno, pertanto, analizzati i caratteri distintivi della multicanalità nel retail banking, le implicazioni di carattere organizzativo e strategico che simili processi evolutivi determinano nell’economia e gestione delle banche, i principali profili di rischio relativi all’impie…
L'INCLUSIONE FINANZIARIA DEGLI IMMIGRATI: LA TUTELA DEL CONSUMATORE VULNERABILE NEI SERVIZI BANCARI
2021
This book analyzes the linguistic, economic, social and religious obstacles that hinder the immigrant's financial inclusion and attempts, given the current law and referring to comparative experiences, to identify private remedies to protect these consumers. The thesis deals with the problem of linguistic risk management of the immigrant consumer with hints of behavioral law and economics and a comparative analysis, and then focus on the problems of access to credit and current accounts; lastly, it is argued the admissibility of Shari'a compliant contracts. Through a systematic analysis, this work concludes that the vulnerable consumer figure has been codified in the sectoral legislation: d…
Análisis de los factores determinantes de la lealtad hacia los servicios bancarios online
2011
ResumenEl rápido crecimiento de la banca online refleja las ventajas que ésta ofrece respecto a las sucursales convencionales. No obstante, son muchos los consumidores que todavía utilizan los servicios bancarios online de forma esporádica, fundamentalmente para la comprobación de saldos, evitando realizar transacciones con un mayor nivel de riesgo. El objetivo de este estudio es analizar los factores determinantes de la lealtad hacia los servicios bancarios online, a través de un modelo integrador de la influencia del riesgo percibido y la confianza en las webs bancarias con el marco conceptual de la Teoría del Comportamiento Planificado (TCP). La configuración del riesgo percibido se ha p…
Orientamenti dell'ABF sul c.d. contratto di wrapping. In particolare: del collegamento col contratto di credito e della possibile applicazione dell'a…
2021
The aim of this contribution is to provide a critical review of the case law of ABF on wrapping, a trilateral operation whose purpose is to finance the purchase of a car. After having reconstructed the rationale of the discipline of linked contracts in the Testo Unico Bancario, the contribution criticizes ABF’s rulings that recognize a bilateral link between the wrapping contract and the credit contract, and provides that, due to the breach of the wrapping contract, the concrete purpose pursued by the parties with the purchase contract is impossibile to achieve