ISSN: 1204-5357
Department of Information Technology and Its Applications, University of Pannonia, Zalaegerszeg, Hungary
Received date: 04-04-22, Manuscript No. jibc-22-51229; Editor assigned date: 06-04-22, Pre QC No. jibc-22-51229(PQ); Reviewed date: 21-04-22, QC No. jibc-22-51229; Revision date: 30-04-22, Manuscript No: jibc-22-51229(Q); Published date: 06-05-22
Visit for more related articles at Journal of Internet Banking and Commerce
This exploratory study is aimed at relating and exploring the crucial factors of Information Technology capabilities that enable e-banking. It attempts to induce a frame that illustrates the variables, which led to a specific performance. The performance independent variable was linked with three dependent variables Information security, chronicity, and trustability. The study concentrated on the factor and its effect one-banking. This factor was analysed through the confidentiality, integrity, and vacuity rudiments. The study presents the case study of a Libyan bank and the challenges from the ISec perspective. It explains how the bank tried to ameliorate the heritage bank system in terms of raising the position of CIA rudiments. The study collected 30 actors’ opinions via an online check. The responses were analysed statistically using SPSS software to identify the most important rudiments for ISec, to raise the position ofe-banking services and also to identify whether these three rudiments were inversely significant or different. Likert scale was used to rate the questionnaire responses. Integration was set up to be one of the most vital rudiments, and should be given high precedence in any bank operating in developing countries followed by the confidentiality and integrity rudiments. To insure the specialized success ofebanking services, banks in developing countries should give mindfulness and training programmes to increase the position of security. Also, the banks need to establish dependable polices that can control staff geste and minimize the position of threat one-banking services. Keywords are Information technology, electronic banking, information security, online check.
E-banking creates unknown openings for the banks in the manner they organise fiscal product development, delivery, and marketing via the Internet. The speed and scale of these challenges have fleetly increased with the pervasiveness of the Internet and the extension of information frugality Holland and Westwood, 2001. The use ofe-banking technologies similar as Automated Teller Machines ATMs,Telebanking, home banking and internet banking in the delivery of banking products and services has decreasingly come an essential aspect of contemporary banking systems.The use of technology in colorful parts of society around the world has given the occasion to all service providers to offer a bouquet of services in thee-banking frame. Wei and Howell classified e-banking services from thee-business perspective Business to Business, Business to Government (B2G), client to Business (C2B), and Business to client (B2C). This expansion and diversification requires provision of service24/7 with veritably low failure rates to guests. This indeed shows the progress and expansion of ebanking services. While e-banking has offered new openings, it also poses numerous challenges similar as the invention of IT operations, the blurring of request boundaries, the breaching of artificial walls, the entrance of new challengers, and the emergence of new business models Saatcioglu etal., Banks must constantly reconfigure, renew, or gain organizational capabilities and coffers to meet the demands of the dynamic terrain. According to Okunoye etal.
These products are inventions in the banking sector as well as in the development that occurs in-services and the design of ebanking to align with IT. Online banking, mobile banking, point of trade, and ATM fall within the frame of inventions in the banking sector. As similar, Okunoye etal.suggested that further exploration should be done in this field in future, especially in developing countries. There's lack of sufficient studies on this aspect of banking. Their study verified that IT has a major impact on all stages of banking operations and that banks should invest in IT structure to give them significant help in furnishing a variety of channels to deliver banking services to their guests. The relinquishment of inventions in IT and the factors that contributed to the detention in the relinquishment of these inventions among thee-services sectors in developing countries were stressed. This present study has bandied these points by exploring a case study of a Nigerian bank. The study delved a number of questions regarding the causative factors in espousing new IT to give eservices they included applying the rearmost technology to information, the factors that beget the relinquishment of new technology, and the main obstacles that hamper the relinquishment of IT. Although the experimenters bandied these issues in order to understand how to apply new technologies within fiscal eservice institutions, the study itself didn't concentrate directly on IT capabilities or on its impact one-services. Okunoye etal.’s study listed the IT capabilities in a number of small and medium enterprises (SMEs) butdoes not give detailed information that would explain the differences between these institutions in their reliance on IT. Electronic banking services, encountered as one of the common delivery channels of marketable banks, have enabled most businesses to complete payment processing and transfer finances electronically. A number of experimenters have concluded that the relinquishment of Internet technology in the banking sector is the principal factor in the spread ofe-banking. Floh and Treiblmaier asserted that online banking, which provides different banking services, is a crucial player in attracting guests. This point may explain the actuality of the common connection between e-banking and IT capabilities that's held by marketable banks. On the other hand, other experimenters like Almazari etal, were of the view that attracting new guests or keeping the fidelity of the current guests cannot be fulfilled adequately through websites of bank services. Since this system offers little or indeed no focus on client relationship operation by the banks, it may affect in loss of guests, who'll move on to other challengers who do a better job of managing client connections. A number of banks operating in developing countries have espoused-services as one of the arising technologies where the colorful-services were affected by culture, terrain, or the relinquishment by guests and services providers themselves. Still, knowledge in ebanking remains the real challenge to the growth ofe-banking in developing countries claimed that ebanking in developing husbandry faced other challenges similar as security, stoner- benevolence, line operation, availability, time factors, and finances transfer. Experimenters have tried to bandy the factors affecting ebanking services from several aspects of the pool. The maturity of studies shows that the element of security and knowledge are major players affecting the success of these services in developing countries. Al- Hajri noted in his study on the relinquishment of ebanking by the Omani banks that security and knowledge aren't the only factors, but the dispatches structure also affects the relinquishment of it. This easily refers to the ITC in enabling e-banking and raising the quality ofe-banking services.
Copyright © 2024 Research and Reviews, All Rights Reserved