Search results for "pankit"

Mobile banking adoption: A literature review

2015

Electronic commerce (e-commerce) continues to have a profound impact on the global business environment, but technologies and applications also have begun to focus more on mobile computing, the wireless Web, and mobile commerce. Against this backdrop, mobile banking (m-banking) has emerged as an important distribution channel, with considerable research devoted to its adoption. However, this research stream has lacked a clear roadmap or agenda. Therefore, the present article analyzes and synthesizes existing studies of m-banking adoption and maps the major theories that researchers have used to predict consumer intentions to adopt it. The findings indicate that the m-banking adoption litera…

Effects of PSD2 on security architecture of mobile banking : a review of literature

2017

This thesis aims to find out the changes that the Payment Service Directive (PSD2) will bring to the security architecture of mobile banking. PSD2 will create a situation where security mechanisms are separated from the actual banking application. Payment service providers must provide their Application Programming Interface for third party developers to give them access to authentication of payment transactions. PSD2 requires payments service providers to offer strong customer authentication with separate authentication mechanism from the banking application. This thesis found that academic literature about the security architecture of mobile banking does not provide a model where a separa…

Mobile Banking and Payment System : A Conceptual Standpoint

2017

This study conceptualizes and proposes a well-regulated and designated mobile banking and payment system (MBPS) with the potential to strengthen the banking system, foster the regulatory framework, and to be integrated across various platforms and mobile devices. Unlike other mobile payment systems that lack convenience, scalability, and usability, the proposed MBPS contains several important functionalities and it has the potential to bring together hitherto unconnected industries—banking, Fintech and telecoms—to offer value-added services to their existing and potential customers. The ownership of the MBPS shall remain with the financial services sector including the banking and microfina…

Nordic stock market integration

2001

Economic moralities in self-organised alternative economies : the Finnish cases of ridesharing and timebanking

2020

PurposeThis paper explores economic moralities in self-organised alternative economies and argues that the diverse economies approach is particularly useful in elaborating the self-understandings of such economic communities. The analysis focuses on two types of alternative economies in Finland: ridesharing and timebanking.Design/methodology/approachThrough qualitative data, the paper looks into moments of negotiation where economic moralities of self-organised alternative economies are explicitly debated. The main research data consists of social media conversations, supplemented by a member survey for the participants of the studied timebank. The data are analysed through theory-guided qu…

Efficiency vs. values : Institutional logics, situated rationality, and performance measurement in a cooperative bank

2023

This qualitative case study explores how situated rationality is achieved and maintained between two coexisting institutional logics, ‘global’ financial efficiency and ‘local’ customer-owners, around a performance measurement system in a large cooperative bank. We focus especially on the relationship between financial performance measures and softer, cooperative and communal organisational values. The results highlight that communal values may be effectively used to smooth and manage managerial contradictions; thus, situated rationality for operations can be achieved and maintained. This may also explain the resilience and success of communal values and cooperatively formed organisations in…

Customers' perceived risk and trust in using mobile money services-an empirical study of Ghana

2019

Copyright © 2019, IGI Global. Although mobile money (MM) has been explored in the existing literature, the roles of trust and risk in MM use have received little attention from researchers. Furthermore, many of the existing studies have treated these constructs as unidimensional. The extant literature also shows that perceived risk has received little attention from researchers who have conducted studies on MM. Thus, the objective of this study is to examine the roles of trust and perceived risk in customers' intent to adopt MM services in Ghana. Both trust and perceived risk were broken down into various dimensions. The study involved 671 respondents who were selected via an intercept appr…

Suomalaisten pankkien kuluttajalähtöinen brandipääoma

2011

Examining key drivers of consumer experience with (non-financial) digital services : An exploratory study

2020

Recent advancements in the field of mobile information systems have transformed the consumer lifestyle as well as have changed the digital service landscape globally. This exploratory study identifies and describe key marketing drivers of consumer experience with non-financial transactions available on mobile banking apps. Data were gathered using semi-structured in-depth interviews from 12 respondents in Finland during March and April 2019. The qualitative analysis of the interview transcripts revealed three emerging themes i.e. the mobile banking app experiences and sustained usage of mobile banking apps are largely affected by consumers’ level of knowledge (consumer awareness), usefulnes…

How is the use of mobile money services transforming lives in Ghana?

2018

Mobile money (MM) is considered a revolutionary phenomenon in the developing world and relies on basic mobile handsets capable of voice and SMS or text. This chapter assesses the potential of mobile phones as a delivery mechanism for financial services in Ghana. Based on the sample of 595 responses collected during the months of September and October, 2016, we investigated various consequences that influence the consumer decision-making process and continuous usage within the mainstream MM or micro-financial services. In total, six hypotheses were developed and tested. The results provided support for all the hypotheses. The key takeaway from this chapter is that MM service agent credibilit…