Search results for "pankkipalvelut"
showing 10 items of 18 documents
Mobile banking services adoption in Pakistan: are there gender differences?
2017
Purpose The purpose of this paper is to provide a comprehensive insight into the deciding factors affecting an individual’s intention to adopt mobile banking (m-banking) services in Pakistan. Design/methodology/approach A survey approach was used with a sample of 189 responses from across Pakistan. Multi-group analysis was performed in order to detect gender differences among men and women in the process of adopting m-banking. Findings The paper found support for the positive effect of perceived behavioral control (PBC) and attitudes (ATT) toward m-banking adoption intentions. Significant differences between men and women were found to affect subjective norms (SN) on adoption intention, ev…
How emotions are considered crucial on an omnichannel banking environment in gaining customer loyalty
2018
Emotions have been studied in a marketing context for years. However, the rapid change of digital channels and customers’ omnichannel behavior emphasize the need to further investigate how emotions are considered to play role in customer satisfaction and through that to customer loyalty. Purpose of this chapter is to study emotions in omnichannel environment, and their contribution to customer loyalty, especially in the context of retail banking. peerReviewed
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…
Antecedents of Market Orientation in The Banking Sector During Its Digital Transformation
2019
Firms are under increasing pressure to remain relevant for their customers and need to rethink how to remain market-oriented in the digital age. This is evident in the banking sector where the traditional banks are gradually being challenged by digital native competitors and growing customer demands. Consequently, this study examines what it takes to be market oriented in the banking sector at the age of increasing digitalization. Specifically, we focus on developing the theory on the antecedents of MO and examine how banks can regain market orientation under changing market conditions. Although Market Orientation (MO) has been a widely studied concept that has been applied in numerous diff…
Teknologiapohjaisen palveluinnovaation adaptio : case: Mobiilipankkipalvelut
2002
Tietojärjestelmien kyvykkyydet pankkien valmistautuessa toiseen maksupalveludirektiiviin
2017
Pankeilla on edessään uusi liiketoimintaympäristö, kun toinen maksupalvelu-direktiivi astuu voimaan tammikuussa 2018. Direktiivi velvoittaa pankkeja avaamaan ohjelmointirajapinnat, joiden kautta yritykset voivat pyytää asiakkaan tilitietoja ja suorittaa maksuja asiakkaan tileiltä. Näin ollen pankkien yksinoikeus maksunvälitykseen on poistumassa ja samalle markkinalle ovat tulossa niin monikansalliset teknologiakonsernit, kuin uudet ja ketterät finanssiteknologia-yritykset. Uusi digitaalinen toimintaympäristö on haaste pankkien erilaiseen toimintaympäristöön suunnitelluille tietojärjestelmille ja organisaatiorakenteille. Tässä tutkimuksessa tarkoituksena oli selvittää miten tietojärjestelmie…
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.
How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?
2018
This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhi…
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…
Mobiilipankkiasioinnin omaksumiseen vaikuttavat tekijät
2017
Kandidaatintutkielma käsittelee mobiilipankkipalveluita tarkastellen käsitteen merkitystä nykykontekstissa sekä mobiilipankkipalveluiden käyttöön vaikuttavia tekijöitä. Tutkielma toteutettiin kirjallisuuskatsauksena alan kirjallisuuteen, jota haettiin Google Scholar -palvelusta. Tutkielmassa perehdytään mobiilipankkipalveluihin ja samalla myös syvennytään Suomen mobiilipankkitilanteeseen sekä alan tulevaisuuden haasteisiin. Tämän jälkeen tarkastellaan syitä mobiilipankin omaksumiseen vaikuttavia tekijöitä. Tekijöiden löytämiseksi tutkielmassa käydään läpi muutamia teknologian hyväksymismalleja. Tutkimuksen tuloksena selviää, että helppokäyttöisyys, hyödyllisyys, tietoturva, sosiaaliset teki…