Made available in DSpace on 2010-04-20T20:19:59Z (GMT). No. of bitstreams: 1 172256.pdf: 1140904 bytes, checksum: c0c919b15b522f694c670047eb21b06a (MD5) Previous issue date: 2007-12-03T00:00:00Z / The present study was held in a segment of individual clients with high earnings of a big retail bank in Brazil and was focused on the municipality of São Paulo. The investigation aimed to verify whether there has been any relation between the account manager profile, as to his or her technology and internet knowledge and ability, and the level of adoption of the Internet Banking by clients under his or her orientation. For this investigation it was adopted a qualitative approach which consisted of internal data analysis, interviews, and questionnaire sent to a group of account managers. The results (1) suggest that even in the high earnings segment there have been other variables as age and the credit of salary in current account that affect the level of use of Internet Banking by clients; and that the manager profiles differ in terms of level of involvement with new technologies, which includes the internet; and (2) signalize that account managers whose profile is more technologically advanced make use of the internet more naturally and present stronger power of convincement over clients under his or her orientation as to Internet Banking adoption. / O presente estudo foi realizado no segmento de pessoas físicas de alta renda de um grande banco de varejo do Brasil, com foco no Município de São Paulo. A investigação teve como objetivo verificar se há alguma relação entre o perfil do gerente de conta, no que se refere a sua desenvoltura tecnológica e com a Internet, e o nível de uso do Internet Banking pelos clientes sob sua gestão. Para esta investigação foi utilizada uma abordagem qualitativa composta pela análise de dados internos do segmento, entrevistas em profundidade e envio de questionário a um grupo de gerentes. Os resultados (1) sugerem que mesmo no segmento alta renda existem outras variáveis como a idade e o recebimento do crédito salário na conta que afetam o nível de utilização do Internet Banking pelos clientes; e que o perfil dos gerentes divergem em termos de envolvimento com as novas tecnologias, o que inclui o uso da Internet; e (2) indicam que o gerente com maior domínio das tecnologias e da Internet possui maior poder de convencimento junto aos seus clientes no que se refere ao uso do Internet Banking.

Made available in DSpace on 2010-04-20T20:51:57Z (GMT). No. of bitstreams: 2 67929.doc: 868352 bytes, checksum: 11c58c06f6cf5cecc2f1a177df62aa73 (MD5) 67929.doc.txt: 229158 bytes, checksum: 8fb3e05c0803ffd0f5e66f70423d92ec (MD5) Previous issue date: 2004-12-15T00:00:00Z / Este trabalho tem como objetivo criar um material de referência sobre a gestão de segurança em Internet Banking, oferecendo ao administrador uma visão gerencial, mesmo que não tenha conhecimento prévio de tecnologia. A partir do estudo de três casos de bancos, com atuação no Brasil (dois privados, um nacional e um estrangeiro, e uma terceira instituição financeira pública), levantou-se que a Internet foi um evento que motivou a reestruturação da gestão de segurança eletrônica, levando em consideração os novos riscos e oportunidades de atuar em rede pública. Os três bancos possuem medidas de gestão de segurança que atendem às três camadas: física, lógica e humana, e aos 10 domínios da gestão de segurança eletrônica, com foco especial no canal Internet Banking.

Dissertation purposes Analysis of electronic banking concerning the pricing policy of Czech banks. The banks with long-term history are compared with "new" banks that are still not so stabilized on the market. The dissertation is focused especialy on the monthly fee that the client has to pay when using the services of these banks. Methods Presentive analysis is used in all of this dissertation which interprets data obtained by an interview and bank's databases. Comparative method is used in the analytical section to clearly interpret processed data. Results The comprehensive analysis of six Czech banks and it's pricing policy of electronic banking is the outcome of the dissertation. The conclusion and data interpretation can be used for the clients when choosing a new bank. The analysis is based on the monthly fee that the clients have to pay in every selected bank with respect to their requests.

The main purpose of this project is to build a bank system that offers a friendly and simple interface to let users easily manage their lightweight currencies. The Lightweight Currency Protocol (LCP) was originally proposed to solve the problem of fairness in resource cooperatives. However, there are other possible applications of the protocol, including the control of spam and as a general purpose medium of exchange for low value transactions. This project investigates the implementation issues of the LCP, and also investigates LCP bank services to provide human interface to currency operations.

The master’s thesis deals with the acquisition of mBank customers through alternative distribution channels and their subsequent analysis. The work consists of the preparation and execution of marketing actions in order to expand portfolio of clients with business accounts. The last part of the work is dedicated to proposal of customer relationship management system, through which could lead to deepening relationships with customers.

The main subject of this masters thesis is to familiarize with technologies used to realization of online payment systems on internet. The document is more detailed focused on realization of internet banking, credit card payment, payment via SMS and on systems of internet wallets like PayPal and Moneybookers. There are proposed several criteria that are used to compare the payment methods, what was also a motivation for more detailed study of methods. These payment methods are compared from the user point of view, and from the perspective of integration these systems to the existing applications, which led us to work on the manual with user guides about how to integrate these payment methods to the web sites, what is also a contribution of this masters thesis.

La presente tesis posee un enfoque cuantitativo no experimental de diseño correlacional cuyo objetivo general es determinar si la metodología ágil Scrum se relaciona con la satisfacción del cliente de aplicativos móviles de las principales entidades bancarias declaradas transformadoras digitales en la sección de banca minorista en Lima Metropolitana en el 2019. La metodología ágil Scrum y la satisfacción del cliente son temas de gran impacto, los cuales se desarrollan de manera constante en diversas industrias en el mundo, encontrando zonas inexploradas en cuanto al conocimiento de la relación de ambas variables. En consecuencia, podrían mejorar las metodologías de trabajo en el mundo laboral, así como la experiencia del cliente o usuario final. La investigación se realizó sobre una población de 2,371,542 personas, representados por una muestra de 383 personas, de quienes se recolectó información a través de una encuesta conformada por dos apartados, el primero se enfoca en la variable metodología ágil Scrum, estuvo compuesto por 17 preguntas y se adaptó del artículo “The Impact of Scrum on Costumer Satisfaction An Empirical Study; respecto al segundo apartado, se focalizó en la variable satisfacción del cliente, constituido por 27 preguntas y adaptadas, principalmente, de la herramienta de medición SERVQUAL. De esta manera, ambos apartados de la encuesta fueron llevados al contexto del rubro financiero y validados por jueces expertos, obteniéndose, finalmente un total de 44 preguntas de tipo Likert. Para la relación entre variables se utilizó la aplicación de la estadística no paramétrica, haciendo uso del estadístico Chi-cuadrado y la prueba estadística Rho de Spearman. Los resultados presentan r = 0,68 comprobándose que existe una relación directamente proporcional entre las variables. Asimismo, a un nivel de significancia α=0,05 se obtuvo un p = 0,000 (< 0,05) menor al nivel de significancia, demostrando la existencia significativa de una relación media entre la metodología ágil Scrum y la satisfacción del cliente, sugiriendo a los actores claves de los escenarios afines tomar en cuenta que las modificaciones de aplicaciones móviles desarrolladas con la metodología ágil Scrum impacta en la experiencia del usuario. / This thesis has a non-experimental quantitative approach of correlational design whose general objective is to determine if the Scrum methodology is related to customer satisfaction of mobile applications of the main banking entities declared digital transformers in the retail banking section in Metropolitan Lima in 2019. The Scrum methodology and customer satisfaction are high-impact topics, which are constantly being developed in various industries around the world finding unexplored areas regarding the knowledge of the relationship of both variables. Consequently, they could improve work methodologies in the world of work, as well as the client or end user experience. The research was conducted on a population of 2,371,542 people, represented by a sample of 383 people; this information was collected through a survey composed of two sections, the first one focuses on the Scrum methodology variable, it was composed of 17 questions and was adapted from the article “The Impact of Scrum on Costumer Satisfaction An Empirical Study”; regarding the second section, it focused on the client satisfaction variable, composed of 27 questions and adapted, mainly, from SERVQUAL. In this way, both sections of the survey were taken to the context of the financial sector and validated by expert judges, finally obtaining a total of 44 Likert-type questions. The application of non-parametric statistics was used for the relationship between variables making use of the Chi-square statistic and the Spearman's Rho statistical test. The results show r = 0.68 verifying that there is a directly proportional relationship between the variables. Also, the results show that for a level of significance α = 0.05, it is p = 0.000 (<0.05) lower than the significance level was obtained demonstrating the significant existence of an average relationship between the Scrum methodology and customer satisfaction, suggesting to the key actors of the related scenarios take into account that the modifications of mobile applications developed with the Scrum methodology impact the user experience. / Tesis

The purpose of this study was to examine the level of adoption, usage and factors that influence the adoption of electronic banking (e-banking) by small, micro and medium enterprises (SMMEs) listed in the City of Tshwane Metropolitan Municipality (CTMM). Despite efforts by commercial banks to promote e-banking (internet and cell phone banking) to its customers, the adoption rate for internet and cell phone banking appears to be low. Based on the literature reviewed, the SMME sector has been widely excluded from the formal banking services. It is also observed that e-banking can enable SMMEs to grow and enter international markets. Technology acceptance model (TAM) integrated with perceived risk theory (PRT) was used to investigate factors that influence adoption and usage of e-banking. The study followed a quantitative research approach. Respondents were selected using simple random sampling technique. A structured survey questionnaire was used to collect the data. The survey was conducted on 160 SMMEs in the CTMM with the assistance of fieldworkers. Data were analysed using descriptive statistics, exploratory factor analysis (EFA), Pearson’s bivariate correlation, and multiple regression. The results revealed that perceived ease of use had a significant positive influence on the attitude towards e-banking. Perceived usefulness had a positive but insignificant influence on the attitude towards e-banking. Security risk was the only perceived risk dimension that had a significant negative influence on attitude towards e-banking. However, financial risk, privacy risk, performance risk and social risk had a positive and insignificant influence on attitude towards e-banking. It was envisaged that this study will enable banks to develop strategies that are aimed at increasing their SMME market share. / Finance, Risk management and Banking / M. Com. (Finance)

This thesis deals with the use of electronic banking in the accountancy. The goal is to introduce the concept of electronic banking and its impact on accounting. The thesis describes the development of accounting and the impact of computer technology on the processing of accounting records and financial documents. The term of electronic signature and electronic brand are explained, as well as the possibilities of their applicaton. The thesis is to define the various forms of client (company) communication with the bank institutions and development of electronic banking as well as a summary of its advantages and disadvantages. The aim of the practical part is to evaluate the current state of direct banking service in the Czech Republic. The appendix includes a table with a list of e-filing of chosen particular tax types and overview of the structure of the questionnaire on the use of electronic banking.

Financial exclusion is a major developmental problem. Perception has it that financial exclusion emanates from the lack of access to banking and financial services, and the general understanding is that ICT-based access to such services is the solution. In this research, which was undertaken in Ghana, Critical Realism (CR) revealed deeper causes (generative mechanisms) that underlie financial exclusion. The research followed a mixed-method approach. The CR approach guided the research to create an initial model from which hypotheses were deduced and tested; the design science approach, guided the research to create the design theory and an instantiation of an application that uses the design theory; and the quantitative method, was used to evaluate the hypotheses. CR revealed how, in a credit economy, people have a need for credit to pursue business or education opportunities. The generative mechanisms identified have revealed how the credit market for the unbanked includes the reality that a wellfunctioning credit market is self-sustaining with two mechanisms: signalling and adoption. The signalling mechanism facilitates users’ access to credit, which they in turn are able to spend on more services. On the other hand, the adoption mechanism enables the development of more services making the market more valuable, thus attracting more users in a self-feeding loop. The key findings suggest that being banked does not necessarily lead to financial inclusion and financial wellbeing. Transactional banking only serves as an "enrichment agenda for the banks", with minimal benefit to the people. There are also other non-financial technologies such as sharing and social technologies that have an effect on the provision of credit; in addition to their main purpose of saving and/or earning income, for the unbanked, by sharing resources. In Ghana, despite having bank accounts, most of the banked do not use them, because of cost and inappropriate services. This research reveals that the unexamined notion of being banked as a fundamental requirement for financial inclusion may require further investigation. The research has found that the unbanked keeping to themselves and the use of cash creates anonymity and makes them invisible to formal financial institutions, who prefer identity over anonymity, thus contributing to their financial exclusion. The following design needs were identified: inexpensive credit and value-added services such as saving groups, financial accounting services, service to report delinquent customers and education. The research offers a conceptualization of a financial inclusion ICT artefact to draw attention to the multifaceted and complex environment financial inclusion effort is immersed. This calls for an integrated approach since the issues with financial exclusion extend beyond financials and have an effect on the broader society. The research, therefore, proposes a substantive framework for improving the design and development of financial inclusive systems, which helps build trust using obligation transactions. It offers an approach to computing an individual’s financial inclusiveness, which also helps safeguard his/her financial wellbeing. The thesis makes a contribution to Information Systems theory in proposing a framework on financial inclusion using ICT. The contribution to practice is the design of an ICT artefact. / School of Computing / Ph. D. (Computer Science)