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Financial institutions, particularly banks, are one of the largest investors in the
domains of information systems, and there are quite clear signs that these trends to
overspread in the future. The advent and expansion of globalization and the
development of information technologies pushed the banks to adopt advanced
technology in order to launch...
Context in source publication
Context 1
... banking system is an innovative form of advanced information systems technology designed for end-users and offers them online services that enable them to conduct their financial transactions through a computer devices or tablet devices recently. Unless the user has personal device and availability of the Internet, it is unlikely to consider using Internet banking at all [8]. Banking online system includes digital series of processes, whereby clients are able to log into the bank's website through the web-browser installed on the PC and carry out various online transactions by using a private username and password based on the user's selection. In addition, Internet banking systems support communication with other servers, such as Internet information servers. These participate in the environment and contribute other services and information to present a variety of online services. Banks create their formal web site through the adoption of basic web technologies. Figure 1, clarifies the main functional components, their roles and contribution within the entire system, whereby the end-user can access the secure website of the bank via the Internet. Interaction between user and service provider systems is supported by multilevel dialogs. The bank account server as part of the system receives the instructions to provide the substantial functions to be performed on the bank accounts, whereby end users assume more responsibility for their own applications, and they rarely have direct interaction with the operations staff of the websites. ...
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Citations
... Since the time-consuming nature of having to be physically present in the bank is one of the disadvantages of traditional banking (Pankomera and Greunen, 2018), ease of use has a positive effect on intention to use digital banking (Khrais, 2017;Martínez-Navalón et al., 2023;Selvanathan et al., 2016). Furthermore, Bidarra et al. (2013), Harahap (2023) and Pankomera and Greunen (2018) found that perceived usefulness or intention to use correlates with the actual usage of online banking. ...
This paper evaluates how the perceptions of consumers from different demographic backgrounds influence their adoption and use of digital personal banking, and suggests marketing activities required to increase digital banking by these different demographic target groups. The method involved an online survey of a sample of 400 respondents with bank accounts in the iLembe district of KwaZulu-Natal, South Africa, focusing on the demographic dimensions of age, gender, education and income. The study found that high digital banking users were older (24+), with higher education and a higher income, while low digital banking users were younger (18-23), with a lower level of education and a lower income. No differences according to gender were found. The convenience of digital banking and a good online banking experience were the factors that most encouraged digital banking use by high users, while perceptions of high cost and having low control over their online banking activities were factors that discouraged low users from more digital banking use. These findings confirmed the previous research about the influence of age and education on digital banking use, but contributed new knowledge about the influence of income, and the lack of influence of gender, on digital banking adoption and use. Comprehensive recommendations for banks, policy makers and other stakeholders are provided.
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... Khrais [29] states that perceived ease of use has a direct, significant, positive effect on behavioral intention to use Internet banking, while Selvanathan et al. [30] state that there is a positive relationship between ease of use and service delivery via online banking. ...
... This moderately high correlation shows that the Online service quality of digital banking has the largest influence on the use of digital banking and is therefore of most importance. The question "Online banking is clear and easy to use" has the highest individual correlation (.405), indicating that the easier online banking is to use, the greater the Usage of digital banking will be, which supports Khrais' [29] finding that perceived ease of use has a direct significant positive effect on intention to use internet banking and Selvanathan et al.'s [30] finding of a positive relationship between ease of use and online banking service delivery. ...
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