Search results for "pankit"

Factors influencing mobile banking continuous use in Sub-Sahara Africa : A study of mobile banking users in Nigeria

2019

The ubiquitous diffusion of information and communications technology is fundamentally impacting several sectors. In the financial services sub-sector, the convenience and speed that mobile banking (m-banking) applications offer users have made it one of the most popular applications in use. However, the growth trajectory of the application is questionably different as it has continually seen a decline in the Nigerian market. The aim of this study is therefore to examine the factors influencing m-banking continuous use in an emerging market context by using a hybrid of unified theory of acceptance and use of technology (UTAUT2), uses and gratification, and privacy theories. Survey data were…

Mobile financial services : Introduction, definition, and conceptualization

2019

Incumbent business models in banking and payment are continuously challenged by new competition and evolving consumer expectations as banking and payment landscape have increasingly moved digital and mobile. Mobile financial services (MFS) and related technologies encompass a broad range of digital (including mobile) devices, channels, and financial transactions that consumers execute on their mobile phones or tablets. This chapter conceptualizes the term ‘MFS’ and investigates what constitutes the field of MFS. The chapter seeks to answer the following research questions: What is the mobile financial services landscape? What are MFS and how they have been conceptualized in the marketing an…

Institutionalization of Strategy and Management Accounting Change in a Cooperative Bank

2019

In this longitudinal case study, a cooperative bank’s strategy, related performance management changes, institutionalization processes, and change drivers are studied. Old institutional economics is used in explaining how organizational routines and rules change and become taken for granted. However, there are several internal and external drivers of change in the banking sector, including organizational culture and values, EU regulation, digitalization as well as communicational gaps and power relations among organizational levels affecting the success of the change process. Results indicate that in the case bank, operating in a highly institutionalized and regulated environment, not many …

Implications of the COVID-19 pandemic on market orientation in retail banking

2021

AbstractThis qualitative study examines the implications of the COVID-19 pandemic on the implementation of market orientation (MO) in the context of retail banking. The findings show that MO was significantly reflected in the behaviors of banks upon encountering the COVID-19 situation, with the banks increasing their MO in response to the crisis. This study finds subcategories based on the empirical data that explain the implementation of MO in more detail. Overall, the findings provide valuable conceptual and managerial insights into the modus operandi of banks during a crisis and offer new best practices for the banking industry.

Pankkikriisit kehittyvissä talouksissa

2018

Tässä pro gradu –tutkielmassa tarkastellaan systeemisten pankkikriisien, instituutioiden ja pääoman välistä yhteyttä kehittyvissä talouksissa vuosina 1980-2011. 22:sta kehittyvästä taloudesta koostuvaa paneeliaineistoa hyödyntämällä tarkastellaan logistisella regressiolla selittävien muuttujien vaikutusta pankkikriisien todennäköisyyteen. Tämän tutkimuksen tavoitteet voidaan jakaa kolmeen ryhmään. Ensinnäkin, luoda toistettavuutta aiemmin merkitseviksi havaituille muuttujille. Toiseksi, tarkastella kriisejä käyttäen uutta rahoitusjärjestelmän kehittyneisyyttä kuvaavaa aineistoa. Kolmanneksi, pyrkiä avaamaan kriisejä kehittyvissä maissa synnyttäneitä mekanismeja. Tutkimuksen tuloksissa koros…

Why open educational resources repositories fail : the contribution of quality approaches to the success of repositories

2016

Over the last two decades, millions of Open Educational Resources (OER) have become freely available for teachers and learners online. These resources are usually accessible through Learning Object Repositories (LORs), which are databases with a user interface. LORs are rarely used to their full potential and often considered as ‘failures’. Previous studies have shown that quality has a critical role in the success of information systems such as LORs. However there are no common guidelines for quality assurance approaches for LORs, nor are there studies into the contribution made by different LOR quality assurance approaches to the success of a repository. Measuring quality and success have…

The relationship between credit ratings and asset liquidity: Evidence from Western European banks

2020

This study examines the role of asset liquidity in Western European banks’ credit rating downgrades and upgrades over the 2005–2017 period. The results suggest that changes in bank credit ratings have been more favorable for banks that have a liquid asset portfolio. Furthermore, asset liquidity has a stronger effect on the credit rating of banks that already have an illiquid asset portfolio. In contrast, the effect is significantly smaller or nonexistent for the most liquid banks. These results imply that the new liquidity regulation introduced by the Basel III requirements will improve the stability and hence decrease the fragility of the European banking sector. Furthermore, the benefits …

Tutkimuksia rahapolitiikasta

2022

Advances in mobile financial services: a review of the literature and future research directions

2022

PurposeUsing the theory, construct, method, moderator (TCMM) format, this framework-based review critically analyses the mobile financial services (MFSs) field through a detailed synthesis and analysis of a sample of mainstream empirical research published in various scientific journals within the period 2009–2020.Design/methodology/approachThe authors followed a three-step structured approach suggested by Webster and Watson (2002) to search for the literature to synthesise the global perspectives on MFSs and their associated applications and systems. The literature research resulted in the identification of 115 most relevant articles.FindingsThe authors identified three major categories or…

Mobile money as a driver of digital financial inclusion

2023

Meeting the mobile money needs of the less privileged in developing and emerging markets opens up enormous possibilities for banks and newly emerged financial-technology firms. Many consider mobile money services a separate domain within the banking and payment sector, different from its siblings: automated teller machines, net banking, point-of-sale banking, etc. This study was conducted to investigate how mobile money services act as a reliable driver of digital financial inclusion and to determine the role of mobile money agents in the transformation from the traditional services to mobile money services. This paper presents a conceptual model based on the stimulus-organism-response para…