Bricks vs clicks: entrepreneurial online banking behaviour and relationship banking

Purpose – Little research has been conducted on the effects of information technology on financing entrepreneurial businesses or small and medium sized enterprises (SMEs). The purpose of this paper is to examine the impacts of entrepreneurial online banking and relationship banking on the severity of financial problems perceived by entrepreneurs and their interactive effect. It also investigates how characteristics of individual businesses and entrepreneurial demographics influence SMEs’ financial situation. Design/methodology/approach – An ordered logistic model is used on a UK dataset to empirically test the hypotheses derived in this paper. The empirical evidence is drawn from the 2004 UK survey of SME finances, which contains a sample of 2,500 firms. Findings – This paper finds that both entrepreneurial online banking behaviour and relationship banking alleviates the severity of financial problems perceived by entrepreneurs. The relationship affect is less evident for entrepreneurs who most frequently use an online approach to communicate with their banks than for those using traditional methods. Business and entrepreneur characteristics also have a strong impact on the severity of the financial problems suffered by SMEs. Originality/value – This paper provides evidence supporting the favourable impacts of the application of information technology on entrepreneurial finance from the perspective of entrepreneur/business. It also identifies a substitute relationship between entrepreneurial online banking behaviour and relationship banking, a relationship which contradicts existing evidence.

Comparing methods to separate treatment from self-selection effects in an online banking setting

The literature discusses several methods to control for self-selection effects but provides little guidance on which method to use in a setting with a limited number of variables. The authors theoretically compare and empirically assess the performance of different matching methods and instrumental variable and control function methods in this type of setting by investigating the effect of online banking on product usage. Hybrid matching in combination with the Gaussian kernel algorithm outperforms the other methods with respect to predictive validity. The empirical finding of large self-selection effects indicates the importance of controlling for these effects when assessing the effectiveness of marketing activities.

An investigation into the acceptance of online banking in Saudi Arabia

Although a regional leader, Internet banking in Saudi Arabia is yet to be fully utilised as a value-adding tool to improve customer relationships and achieve cost advantages. The aim of this study was to identify the factors that encourage customers to adopt online banking in Saudi Arabia. The research constructs were developed based on the technology acceptance model (TAM) and incorporated some extra important control variables. The model was empirically verified to examine the factors influencing the online banking adoption behaviour of 400 customers. The findings of the study suggests that the quality of the Internet connection, the awareness of online banking and its benefits, the social influence and computer self-efficacy have significant effects on the perceived usefulness (PU) and perceived ease of use (PEOU) of online banking acceptance. Education, trust and resistance to change also have significant impact on the attitude towards the likelihood of adopting online banking. The implications of the findings are discussed and suggestions for future research are presented.

Multilevel and multidimensional scale for online trust

This paper examines the nature of the construct of consumers' trust toward the electronic channel of their financial institution. Through a study of a total of 372 individual users of Internet banking in Spain, we have managed to develop a third-order measuring instrument that integrates a total of seven dimensions. The exploratory and confirmatory factor analyses were used to test the validation and reliability of the proposed scale. Findings provide useful information to professionals who seek to identify how customer's trust is formed in the online channel and in the financial sector.

Proyecto para la creación de una página web que simule una banca online

El objetivo de este proyecto es ir narrando el desarrollo, desde el momento de aceptación, sobre una oferta concreta con un proveedor de una aplicación web que dé servicio a los clientes de una determinada financiera. En este caso, la herramienta, a la que se le ha llamadoCustomer Web Site (CWS), se encargará de ofrecer determinados servicios de consulta y modificación de datos para que los clientes eviten contactar telefónicamente con el call center de la empresa.

The determinants of online loan applications from small businesses

Purpose – The purpose of this paper is to examine both the characteristics of the business customers and the types of venture which make use of online loan applications. Despite the growth in the use of technology in banking and the advent of online banking, little research has been conducted on the factors underlying online loan application behaviour amongst business banking customers. Design/methodology/approach – A multivariate analysis is conducted on a USA dataset to empirically test the hypotheses derived in this paper. The empirical evidence is drawn from the US Survey of Small Business Finances, which contains 3,561 sample ventures, representing 5.3 million small businesses in the USA. Findings – The paper finds that online loan behaviour is largely determined by the characteristics of the entrepreneur, rather than that of the venture. It is also found that factors that trust, evident in the length of the relationship between the applicants and their primary lender, is important. Moderating these effects is further evidence that suggests the number of lenders and distance between lenders and applicants has a marked effect on online loan behaviour. Originality/value – This paper identifies the factors determining small business online loan application behaviour. This is important because the nature of online loan behaviour is changing the existing relationships between banks and customers. Whilst online loan applications afford banks the opportunity to substantially reduce costs, the danger is that long term relationships with customers are harder to cement.

Avaliação da qualidade dos serviços bancários online: proposta de integração dos modelos SERVQUAL, Kano e QFD

Este artigo centra-se no desenvolvimento teórico de um modelo integrado para a avaliação e a melhoria da qualidade dos serviços de Internet Banking (IB). Após uma revisão da literatura e uma análise crítica dos estudos já elaborados sobre o uso integrado dos modelos de Kano, SERVQUAL e Quality Function Deployment (QFD), propõe-se um modelo integrado significativamente distinto daquele que tem vindo a ser utilizado na literatura. O modelo que se apresenta visa superar as desvantagens inerentes ao modelo integrador existente, contribuindo para um melhor entendimento da “voz do cliente” e para uma melhoria da qualidade dos serviços de IB. O artigo propõe também um conjunto de proposições para investigação empírica futura. Abstract This article focuses on the theoretical development of an integrated model for the assessment and improvement of the quality of Internet Banking (IB) services. Based on a literature review and critical analysis of the studies on the integrated use of the Kano model, the SERVQUAL and the Quality Function Deployment (QFD), this paper suggests an integrated model that is significantly distinct from those in the extant literature. The suggested model aims to surpass inherent disadvantages of the models in the literature, to contribute to a better understanding of the “voice of the customer” and to improve the quality of the IB services. This paper also develops several propositions for future empirical investigation.

Improving Millennium Bank's personal finance manager

Double Degree

Usabilitat de continguts web

Aquest projecte defineix unes pautes concretes partint dels heurístics més globals que serveixen de base d'una avaluació heurística i els aplica a l'avaluació del sector de la banca per Internet.

Sicurezza dei sistemi di autenticazione basati su credenziali, raccolta ed analisi di un vasto insieme di password

Nell’era dell’informazione in cui viviamo, ogni persona viene sdoppiata in due entità: oltre alla parte reale e materiale vi è un alterego fatto di dati ed informazioni che vive nei database e nei server che compongono il web. Il collegamento tra le due parti è dato dagli account e dalle chiavi di autenticazione, che si presumono essere segrete. Al giorno d’oggi ogni persona possiede almeno un account, sia esso una web mail, un profilo su un social network o l’account di online banking. Quasi la totalità di questi sistemi effettua l’autenticazione dell’utente tramite l’immissione di una password, e la sicurezza di quest’ultima è essenziale per la protezione delle informazioni personali, dei dati bancari e della propria identità. Col passare del tempo le informazioni personali che diamo in custodia al web crescono sempre più velocemente e diventano sempre più personali e delicate, ma purtroppo l’importanza che viene data alla sicurezza informatica non cresce di pari passo sia da parte degli utenti, sia da parte dei fornitori dei servizi web. Questa tesi ha come scopo quello di portare il lettore ad avere più coscienza rispetto alle tematiche della sicurezza informatica e di esporre in modo chiaro e semplice alcune delle problematiche che riguardano la sicurezza dei sistemi di autenticazione.

Web banking in Brazil

This article will present a preliminary survey of the status of web banking in Brazil, preeeded by an explanation about some seeurity problems on the Internet and some advantages and impaets of banking serviees through the web. It will end with suggestions for further Web banking studies.

Rethinking the Portuguese banking sector in a post-crisis context

As the financial crisis hit the Portuguese banks, the profitability of the whole sector squeezed to historical minimums. Reinventing the banking business model in the post-crisis context is an overriding issue to achieve sustainable profits and a low cost-to-income ratio. We propose banks to adopt a true multichannel approach, proceeding to a branch network reformatting and a relocation of services to online channels; adopt a true customer-centric approach and reduce the product and services portfolio complexity; finally, industrialize operations and rationalize the structure. With these measures in place, Portuguese banks will become leaner and more efficient, aspiring to a cost-to-income ratio below 45%.

Estudi i comparativa dels principalswebs de banca online.

Aquest treball tracta d¿establir les bases del que caldria esperar d¿un web bancari des del punt de vistade la Interacció Humana amb els Ordinadors (IHO), i analitzar els portals dels principals bancs queoperen per Internet a l¿estat espanyol.