The content of the thesis is an analysis of selected banking for Komercni banka and create the design and evaluation of the issue of online and mobile banking mainly.

Thesis (M.Com. (Information Systems))--University of the Witwatersrand, Faculty of Commerce, Law and Management, School of Economic and Business Sciences, 2015. / This research study investigated the key factors that contribute to both current usage and future usage intention of online banking by South African users. The research was focused on online banking from all banks and regions in South Africa, hence making the results generalisable to the South African context. The variables (Performance Expectancy, Effort Expectancy, Facilitating Conditions and Social Influence) were derived from UTAUT model. Trust, Switching Costs and Availability of Alternatives were also added. The conceptual model was moderated by age, gender and experience. The variables used within the study were derived from literature review based on previous studies. From a survey of 300 online banking consumers, results were drawn from 105 responses. In South Africa, Trust, Effort expectancy and facilitating conditions, presented significant and positive impact on future usage intention of using online banking. Age and Experience were also significant to Future Usage intentions. However Social Influence, Switching Costs and Availability of Alternatives do not play a considerable role in influencing the user’s future usage in South Africa. While current usage did not directly impact future usage intentions of using online banking, the findings on frequency of usage and functionality (applications) added value to understanding the concept of current usage. The model had an R2 = 0.25 which suggests that within the South African context, there are more factors to be considered for academia and practitioners to understand online banking behaviour amongst consumers. We cannot completely apply theories and models from other countries to the South African context. There is a need to look at factors unique to South Africa, including how customers interpret questionnaires. The research also contributes to the current body of work and interest by banks in South Africa to move from “bricks to clicks”, (moving customers from the branches onto electronic platforms) that are more accessible from any location, and require less staff to operate. To do that, practitioners need add “trust” factors to online banking as well as increase frequency of users logging on to transact. It is vital for banks to also focus on functionality that is simple, reliable and dependable, as well as adds value to customers to ensure their frequent and continued usage thereof.

Given that the Chinese economy has experienced rapid growth over the last decade, developing Internet banking and transforming traditional lines of products into web sites beyond "brick and mortar" local branches will be the main drivers for both Chinese banks and foreign banks to tap into the available of Chinese savings. The primary objective of this study is to integrate trust and uncertainty theoretically into the Decomposed Theory of Planned Behavior in investigating determinants that affect Internet banking adoption in a developing country. Thus, this research attempts to evaluate empirically adoption models for Internet banking and employs an integrated model to investigate the factors of Internet banking adoption in Mainland China. Sample date will be collected from Chinese college students in Mainland China. The structural equation modeling technique will be employed to test the proposed hypotheses. This study collected data from two public universities in Shandong Province, China. The results of statistical analysis suggested that beliefs of social norms, behavioral control, and trust have significant influences on an individual's intention to adopt Internet banking service. Within this sample of Chinese students, only perceived image on its attitude belief was not significant. The new knowledge generated in this research study will increase our understanding in financial, accounting, management of information system, business administration, and decision making related to the adoption of Internet banking in Mainland China.

Выпускная квалификационная работа (магистерская диссертация) посвящена исследованию дистанционного банковского обслуживания в России. Предметом исследования магистерской диссертации выступают экономические отношения, связанные с системой организации и функционирования дистанционного банковского обслуживания. Целью исследования является теоретический и практический анализ дистанционного банковского обслуживания (ДБО), а также выявление проблем и перспектив развития дистанционного банковского обслуживания в РФ и разработка мероприятий по его совершенствованию. / Final qualifying work (master's thesis) is devoted to the study of remote banking in Russia. The subject of the study of the master's thesis are the economic relations associated with the system of organization and functioning of remote banking. The aim of the study is the theoretical and practical analysis of remote banking services (DBO), as well as the identification of problems and prospects of development of remote banking services in the Russian Federation and the development of measures to improve it.

No description available.

Despite the widespread adoption of Internet banking, no guidelines exist on what functionality the techno-savvy Generation-Y customer segment (20–37 years) expects from Internet banking websites. This research investigated the functionality that South African Generation-Y customers require from this transacting platform. A user-centred design philosophy with a mixed method research design was used. The technological characteristics of Generation-Y, abstracted from the literature, were aligned with functionality trends of future Internet banking websites to formulate an initial list of Internet banking functionality guidelines. These were evaluated using a survey and interviews, and were also used in a heuristic evaluation of the Internet banking platforms of five South African banks. The findings were integrated to synthesise functionality guidelines. A visual representation of these guidelines was constructed as wireframes for evaluation by Generation-Y users. This study makes a contribution by providing a validated list of Internet banking functionality guidelines for Generation-Y banking customers. / College of Engineering, Science and Technology / M. Tech. (Information Technology)

by Tai Oi Yen, Irene, Yip Ping Yin, Gerald. / Thesis (M.B.A.)--Chinese University of Hong Kong, 2001. / Includes bibliographical references (leaves 38-40). / ABSTRACT --- p.iii / TABLE OF CONTENTS --- p.iv / LIST OF FIGURES AND TABLES --- p.v / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Chapter II. --- BACKGROUND --- p.3 / Chapter III. --- CONCEPTUAL FRAMEWORK --- p.8 / Chapter IV. --- RESEARCH METHODOLOGY --- p.15 / Chapter V. --- RESULTS AND DISCUSSION --- p.19 / Chapter VI. --- IMPLICATIONS TO MANAGER AND RESEARCHERS --- p.27 / Chapter VII. --- CONCLUSION AND WAP BANKING OUTLOOK --- p.33 / APPENDIX --- p.36 / BIBLIOGRAPHY --- p.38

The purpose of this project is to investigate the infrastructure requirements for a currency exchange market for holders of currencies issued through the Lightweight Currency Protocol. The Lightweight Currency Protocol was designed as a means for entities to issue currencies for the purpose of cultivating low value business transactions between collaborating nodes in a peer-to-peer market.

M. Tech. (Department of Marketing and Sport Management, Faculty of Management Sciences), Vaal University of Technology. / The rapid advancement in technology-based systems, especially those related to the Internet, has led to fundamental changes in how banks interact with customers. This study provides a framework for understanding customer perceptions of the quality of technology-based banking service and the relationship of this service to customer satisfaction and loyalty. The conceptual framework of this study was based on extensive study of relevant literature and examination of previously developed measuring instruments of service quality in general and e-service quality and online banking in particular. A modified and fully structured questionnaire was developed to suit the South African setting. Given the nature of this study, a quantitative research approach was applied. Customers from Southern Gauteng, South Africa, who made use of online banking facilities from commercial banks, constituted the population for the study. The sampling procedure (snowball sampling technique) resulted in a sample of 180 online banking consumers. Seven factors were extracted as dimensions that influence customer perception of online banking service quality, using a factor analysis and rotated factor loadings procedure. These were: factor 1 (assurance, trust and appeal), factor 2 (responsiveness), factor 3 (ease of use), factor 4 (accessibility), factor 5 (fulfilment), factor 6 (speed and accuracy) and factor 7 (contact). The percentage of variance explained, eigenvalues and scree plot were used in the process of determining the number of factors to extract for the study. With mean values above four on a scale of one (minimum) to five (maximum), all the factors were found to be critical for improvement of online banking service quality. The overall level of customer satisfaction with online banking service quality was very high, with an overall mean score of 4.22. A mean score of 4.10 for customer loyalty predicts that respondents are likely to commit to patronising their current bank in the foreseeable future. Thus, the overall customer satisfaction and loyalty levels were skewed to the right, suggesting that respondents were generally satisfied with the quality of service rendered by the banks. These high levels of customer satisfaction and loyalty should encourage the marketing practitioners of the banks to enhance online banking service quality and ensure its improvement in order to achieve delighted customers. The relationship among the constructs of online banking service quality, customer satisfaction and loyalty was established by using correlations and regression analysis. From the findings, it was established that there is evidence that the seven factors positively influence customer satisfaction and loyalty. The results also highlighted a strong positive influence of customer satisfaction on customer loyalty. Customer satisfaction has become a ‘must achieve’ objective for any bank that wishes to remain profitable and relevant in this competitive business environment. Acquiring loyal customers who will patronise and associate themselves with the bank is of particular importance for the potential market share growth and success of any bank. The relationship among the constructs of online banking service quality dimensions, customer satisfaction and loyalty focus must, however, be based on the individual building blocks of service quality, i.e. the factors (service attributes) that influence online banking service quality. Periodic measurement of the levels of online banking service quality should become an integral part of any bank`s effort and strategy in improving service quality levels. The study, which focused on users of Internet banking in South Africa, was not organisation/bank-specific. For more practical purposes, future endeavours could be focused on organisation/bank-specific studies. It must be emphasised that more research is needed before any final conclusions can be reached on the dimensionality and validity of online banking service quality.

The Internet has had and will continue to have a major impact in the way in which banking business is conducted. This dissertation primarily considers the allocation of risks associated with Internet banking and in doing so considers the role of trade usage in Internet banking. The question of what the Internet is and more specifically what constitutes Internet banking is addressed. In order to have an understanding of the allocation of risks in Internet banking a good understanding of the traditional bank-customer relationship is necessary. The contractual basis for this relationship is discussed. The duties of the bank and the customer are discussed. In this regard the duty of a bank to act in terms of its customers mandate, the banks duty of confidentiality and the customers duty to exercise reasonable care are considered. The concept of a customer is briefly discussed. As trade usage plays a significant role in the contract between the bank and its customer, attention is given to the requirement for the recognition of a trade usage generally and more particularly in South Africa. The effect of Internet banking on the traditional bank-customer relationship is considered. The fact that a bank is still required to act in terms of its customer's mandate but is unable to identify is examined. As most Internet banking contracts impose an obligation on the customer to take security precautions and also limit the liability of banks, consideration is finally given to the possibility that the practices of banks in regard to Internet banking may have acquired the status of trade usage in this particular sphere of banking. / LL.M. (Banking Law)