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In this article, we will identify and analyze banking services provided during the use of modern information technologies in remote customer service of the bank. The author highlights the features, issues, and prospects of the digitalization process in Ukraine. Today, dozens of banks offer their clients, both legal entities and individuals, as well as individual entrepreneurs, remote servicing systems and Internet banking, providing full banking services through the «Internet» from anywhere on the globe. Internet banking is a service that allows managing one’s bank account over the internet, offering great convenience and speed, the ability to carry out operations with one’s account, opened in one’s bank, without visiting the bank’s office and forgetting about queues at the cash desks and settlement departments of other organizations. On the other hand, internet banking is a general term for remote servicing technologies, as well as access to accounts and operations (on them), provided at any time from any computer with internet access. The article notes the lack of a unified approach to defining retail banking services, as well as a universally accepted interpretation of the concept of a «banking service.» A definition of a banking service is proposed, namely, a banking service is the result of a set of banking operations aimed at satisfying the client’s needs, bringing certain benefits to the consumer, related to the movement of financial assets or providing financial information. Accordingly, the provision of banking services is the main activity of any bank. In order to make a profit, a banking institution must create a service necessary for the client, determine its price, enter the market with it, implement it, and also ensure proper legal regulation. As a result of the study, conclusions were made that the range of banking services provided to individuals is constantly expanding. This will allow banks in the future to create various types of service packages. [ABSTRACT FROM AUTHOR]

The consumer profile has undergone evolutions and transformations over the years due to the evolution of new generations of individuals, such as Generation Y. Social media has revolutionized the way in which consumers can search and find information about products in general, which has impacted how brands relate to their consumers. In this context, this study tries to understand how digital influencers are being used to influence Generation Y in the consumption of banking services from fintechs in Brazil via social media platforms. The specific objectives include profiling these consumers, identifying the most relevant influencers, and measuring the impact of influencer marketing. The results pointed to Generation Y's preference for mobile applications and personal recommendations when making decisions to purchase financial products. Fintechs stood out for the agility and autonomy they offered, as well as for being on the forefront in leading practices, innovations, and product offerings that drive sustainability forward. The study concluded that digital influencers play a crucial role in the awareness phase, but additional factors influence Millennial consumption decisions, highlighting the complexity of the decision process. [ABSTRACT FROM AUTHOR]

The object of the study is digitalization of banking services. The problem of assessing the level of digitalization of banking services in different countries is solved. The results obtained are: – classification of countries by the level of digitalization of banking services: high level (China, England), medium level (USA, Sweden, Germany, Japan, Ukraine, Kazakhstan) and low level (Spain, Italy, India, Brazil); – a reliable (R²=0.78) positive dependence of the level of digitalization of banking services on the ratio of non-cash payments to GDP and on the rating of favorable conditions for doing business was revealed; – additional competitive factors were added to the model: the positive dependence of the level of digitalization of banking services on the ratio of non-cash payments to GDP (t=3.338) and on the rating of favorable conditions for doing business (t=3.250) was confirmed. The obtained results are explained by the assumption of linear dependence of the level of digitalization of banking services, the volume of non-cash payments and Doing business rating and the construction of an econometric regression model of the dependence of the level of digitalization of banking services of a particular country on the factors affecting the development of digital technologies in the banking sector. The peculiarities of the results obtained consist in the development of a score assessment of the level of digitalization of banking services using three criteria derived from international statistics and its testing on 12 countries of different economic levels of development. The practical significance of this study is the possibility of applying the findings to increase the level of digitalization of banking services in the amount and conditions appropriate to the national economy. [ABSTRACT FROM AUTHOR]

The main aim of this paper is to analyze, through the Interpretive Structural Modeling (ISM) methodology, the contextual relationships between the systematization of benefits influenced by Industry 4.0 technologies in the banking services sector from the perspective of Sustainability 4.0. The proposed ISM approach was structured based on 14 benefits capable of influencing Sustainability 4.0 in the services sector through I4.0 technologies. The results showed that Macro (5) and Customer (8) benefits have a direct influence on all other S4.0 benefits in the banking sector. The article presents valuable managerial implications for managers of organizations that intend to or currently use 4.0 technologies in the banking services sector. A priori, the search for economic advantages appears to be a catalyst with greater influence on the model. However, this is not entirely evident, since there appears to be a strong interconnection between social, environmental, and economic benefits. This suggests that the search for other attributes beyond financial aspects can generate advantages for the organization considered essential for the type of business explored. [ABSTRACT FROM AUTHOR]

This study aims to investigate the influence of financial inclusion (FI) on economic development (ED) in emerging South Asian countries (SACs). A Composite Financial Inclusion Index (CFII) is computed to provide a comprehensive view of FI based on the penetration, availability, and usage of banking services (Sarma, 2008). Using secondary data from the World Bank, International Monetary Fund (IMF), and United Nations Development Programme (UNDP) from 2004 to 2021, a dynamic system generalized method of moments (GMM) regression model was utilised to examine the impact of FI and other macroeconomic variables on ED. The results indicate that FI positively impacts ED (Omar & Inaba, 2020). The findings also reveal that the Human Development Index (HDI), gross capital formation (GCF) and exports (percent of gross domestic product -- GDP) have a positive impact on ED. However, income inequality (IIE) measured by the Gini coefficient and imports (percent of GDP) are detrimental to ED. This study provides evidence to support the expansion of banking services to build an inclusive financial system that promotes ED and reduces IIE. This study contributes to the empirical literature using the system GMM regression approach, which provides new insights into the relationship between ED and other development indicators like HDI, IIE, GCF, imports, and exports across SACs. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Financial, Accounting & Managerial Studies is the property of Journal of Financial, Accounting & Managerial Studies and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The study's population comprised 18,203 individuals who were registered customers of Bank Syariah Indonesia Labuhanbatu Selatan Regency as of December 2022. The authors decided to use a sample of 100 people because the sampling technique refers to the minimum sample size in PLS-SEM, which is 30-100 sample sizes. A purposive sampling technique was used for the sample withdrawal procedure in order to take into account customers who had saved for about six months. Techniques for gathering data include written data or primary data, interviews, and questionnaires (Google Form). The author used the SmartPLS 4.0 for the data analysis, to demonstrate any partial direct influence between the independent and dependent variables. The study's findings are as follows: 1) variables related to Islamic banks' digitalization partially affect banking innovation; 2) variables related to Islamic banks' digitalization partially affect customer satisfaction; 3) variables related to banking innovation partially affect customer satisfaction; 4) variables related to banking services partially affect banking innovation; 5) variables related to banking service partially affect customer satisfaction; 6) variables related to trust partially affect banking innovation; and 7) variables related to trust partially have no positive and insignificant effect on customer satisfaction. [ABSTRACT FROM AUTHOR]

Purpose: This paper compares traditional and digital banks in nine categories of complaints and provides insights to improve complaint management performance. Design/methodology/approach: A sample of the major Brazilian banks was defined, with four traditional and four digital banks. The grey relational analysis (GRA) method was applied as an analytical tool to compare the most frequent complaints of traditional and digital banks. The most critical complaints identified were considered to discuss potential improvements in complaint management using quality and service management system concepts. Findings: The GRA method enabled the development of a ranking of nine complaint categories, considering the uncertainty involved in the data and differentiating between traditional and digital banks. The most critical complaint categories, regardless of business model, were "unauthorized charges" and "poor service," which were ranked first and second in the frequency rankings. Traditional and digital banks differed the most in the complaint category "unfair charge," ranking third and eighth in the rankings, respectively. Practical implications: Managers from traditional and digital banks can improve complaint management performance by applying ISO 9001 and ISO 20000 concepts such as incident, problem, change, service level, availability, capacity, information technology service continuity and financial management. Social implications: The study's findings can help bank managers improve service levels in the face of technological competition. Improving these organizations is an important factor for developing countries such as Brazil. Originality/value: This paper reveals the differences between two business models regarding complaint management. It also considers a methodological approach to include the uncertainty related to customers' perception and subjectivity inherent to complaints. [ABSTRACT FROM AUTHOR]

Copyright of Muthanna Journal of Administrative & Economics Sciences is the property of Muthanna Journal of Administrative & Economics Sciences and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Insurance promotes financial resilience for individuals and households, aiding them in risk management and welfare improvement. Despite concerted efforts by countries and international bodies to promote financial inclusion through various programs, the roles of life and non-life insurance remain underemphasized as measure to close the financial gap in most countries. Our research is motivated by the realization that the existing literature lacks a unified measure of financial inclusion that considers the impact of life and non-life insurance. The objective of this study is to examine the roles of insurance and banking services in financial inclusion through an innovative measure. This study employs Principal Component Analysis to compute different sets of a multidimensional Financial Inclusion Index (FI index) that incorporate banking, life, and non-life insurance indicators for 72 countries from 2015 to 2019. When the role of life insurance is considered, some countries experience significant leaps in their financial inclusion levels, while the opposite holds true for most countries regardless of their developmental stage. In the meantime, non-life insurance has a strong positive impact on the overall financial inclusivity of the sample countries, with more than half of them recording higher financial inclusion. These results necessitate a reevaluation of financial inclusion strategies worldwide. We advocate for a more comprehensive approach that integrates insurance services into the financial system alongside traditional banking, especially non-life insurance given its significant contribution in enabling financial inclusion. [ABSTRACT FROM AUTHOR]

Introduction: The Republic of Moldova's economy faces risks caused by the war in Ukraine and the economic crisis, proving that citizens' prosperity is essential for national stability and that financial knowledge influences the standard of living. A minimum financial education provides information, knowledge, and tools to make correct decisions based on informed consent in an increasingly complex financial system. In the financial-banking and academic environment, in-depth research of consumers' financial education level helps to optimise, streamline, and balance bank–client relations with fairness. This work is the consequence of studying the level of financial education among consumers of financial-banking services, with direct implications for their financial well-being. Purpose: The main aim of this research is to measure the financial knowledge of consumers of financial-banking services, developing recommendations for measures to improve the situation. Methodology: To explain the factors of influence, the following research techniques were used: analysis and synthesis of conceptual approaches to financial education; deduction and induction; analysis of the findings of sociological research on the level of financial education of users of financial-banking services; and recommendation synthesis. Findings: The research validates that enhancing financial education has a positive effect on individuals and the economy, reinstates confidence in financial markets, makes an innovative contribution to accurately assessing consumers' financial knowledge enabling the implementation of proactive measures. Implications: This chapter provides insights into consumers' financial education level, serving as a crucial indicator for institutions and public authorities in formulating and promoting effective educational initiatives to ensure minimal skill gaps. [ABSTRACT FROM AUTHOR]

Copyright of Gharee for Economics & Administration Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Gharee for Economics & Administration Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Accounting & Financial Studies Journal is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The digital age has brought about a revolution in the way we manage our finances, with more and more financial services moving online. However, not all communities have the same level of digital competency, leading to disparities in access to financial services. This study delves into the digital competencies' framework necessary for financial services to sustain vulnerable communities in the digital era. The COVID‐19 pandemic has accelerated the digital shift, leaving many communities struggling to adapt. The study aims to understand the challenges and opportunities presented by this shift, and how key stakeholders can support disadvantaged communities in developing their digital skills and accessing resources. The "Digital Financial Services Consumer Competency Framework" was identified as most appropriate for the study. Respective governments and other key stakeholders must assist with the development of digital hubs, from which vulnerable communities can access digital skills and resources. The research method used is a systematic literature review of 19 published papers, which were analyzed to generate statistics, visualization maps, and theories for the study. The findings of the study will be used to guide the development of policies to necessitate and encourage community ICT adoption. [ABSTRACT FROM AUTHOR]

This study aimed to identify the impact of the digital buyer decsion process in its constrains (problem recognition, information search, evaluation of alternatives, purchase decision, post-purchase evolution), on the online promotion in its dimensions (websites, social media pages, search engines) for banking services in Islamic Banks operating in Jordan. The descriptive analytical approach was used to match it with the nature and objectives of the study, and the study population consisted of (4) Islamic Banks operating in Jordan, the study sample included all customers of Islamic Banks in Jordan, and the questionnaires was distributed electronically to the proper sample. (523) were analyzed, The SPSS softweare was used for the purposes of statistical analysis and testing the study hypotheses. The study recommended a number of recommendations, and the most important is that any customer service department should be directed to pay more attention to customers' feedback; prior to any marketing campaign for banking products and services, banks should strictly review online contents, matching them with the actual services offered to customers, study the buying process duration to improve it through reducing required steps for online purchases. [ABSTRACT FROM AUTHOR]

The study primarily aims to assess the relationship between financial technology and the quality of banking services, as well as enhancing the competitive capabilities of banks in the Kingdom of Saudi Arabia. The study yielded several key findings, including the significant contribution of electronically processed information to providing banking services by reducing geographical distances and traditional barriers. This, in turn, increases customer confidence and satisfaction, thereby bolstering the competitive capabilities of the bank. Additionally, the use of electronic technology in the bank's accounting systems ensures continuous banking services, providing the bank with a competitive advantage over other financial institutions. [ABSTRACT FROM AUTHOR]

Copyright of Rihan Journal for Science Publishing is the property of Association of Arab Universities and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The ambiguous evidence regarding the linkages between firm size and ESG risk in the relevant literature justifies the need for their further scientific investigation. A particularly interesting context for this task is offered by the banking industry, where financial institutions face both strong incentives to expand the scale of their activities and high reputational risk sensitivity. Given the above, this paper aims to systematize and enhance the theoretical underpinnings of the relationship between firm size and ESG risk in banks, highlighting its likely non-linear character, and to investigate it empirically in the cross-section of the international banking industry. This research employs uni- and multivariate, and linear and non-linear regression analyses applied to a sample of 668 banks that were assigned the Morningstar Sustainalytics ESG Risk Rating for the year 2021. The results demonstrate that, although, on average, size seems to be associated negatively with ESG risk in the cross-section, the relationship is in fact non-linear and follows a U-shaped pattern. The findings are robust regarding the impact of both country-specific contextual factors and outliers. This study emphasizes the importance of diseconomies of scale in ESG risk management, thus offering some important lessons and recommendations for bank executives and equity investors. [ABSTRACT FROM AUTHOR]

The need to guarantee customers' satisfaction has assumed a significant position in all business oriented discuss worldwide. This sudden rise is attributable to the recent competition among businesses for increased customer base. It is sequel to this that this paper examined the influence of electronic banking on customers' satisfaction using the commercials banks in University of Ilorin as a case for study. A Survey research design was adopted for the study while a Multistage sampling method that comprises purposeful and random sampling techniques was adopted to pick GT Bank out of the eight banks in the study area. The population consists of 12,005 identified customers of the selected bank in the University as at the time of conducting this research. Taro Yamane's formula was adopted to select 99 respondents for the study. The result was tested using Pearson Product Moment Correlation (r) and Linear Regression. The findings showed a significant positive relationship between ATM services and customers' satisfaction and it also revealed that Point of Sale service (POS) has a positive effect on customers' satisfaction. The study thus recommended that banking industry improve the quality of the service ranging from effective monitoring of customers' transaction in order to guarantee the safety of customers' fund and information. [ABSTRACT FROM AUTHOR]

Copyright of Revistade Ingenierías Interfaces is the property of Revista de Ingenierias INTERFACES and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Human Sciences Journal / Revue des Sciences Humaines is the property of Universite des Freres Mentouri Constantine and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

After 1994, in South Africa many people saw the declaration of the previously side-lined indigenous languages as official languages as a move towards respecting and promoting indigenous languages. The main objective of this study is to assess the use of isiZulu in banking services in Durban, KwaZulu- Natal. The focus was on whether isiZulu is used as a language of communication in the banking service and to check whether consumers receive documents in the language they prefer, particularly in isiZulu. The qualitativeresearch approach was used, and the study followed a case study design. Semi- structured interviews were used to collect data, and a wealth of data was generated by thick descriptions of participant responses. The data from semi- structured interviews were recorded and decoded into categories, and the categories were reduced to thematic constructs. Twelve purposively selected participants were involved in the study. The findings revealed that even though isiZulu was incorporated into the banks’ policies as a language that which was supposed to be used, this was not practiced since English was predominantly used, at the expense of isiZulu. The findings further revealed that English was the only language used even in customer documents such as letters and pamphlets, and isiZulu was used mainly for oral communication. The findings also revealed that there was a lack of terminology in the isiZulu language for certain English words. It was recommended that translators be needed to assist with the communication. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Entrepreneurship, Management & Innovation is the property of Wyzsza Szkola Biznesu-National Louis University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Al-Anbar University Journal of Economic & Administration Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Geosul is the property of Geosul and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Service providers are in a fierce competition for their clients' loyalty, encouraging them to participate in loyalty programs or to install mobile applications. Split loyalty is becoming more popular on the banking services market. This means that customers are loyal to two or three companies or service providers by buying or using their products or services interchangeably. This phenomenon may be further explained by the liberalization of the banking sector, for example through the Payment Services Directive (PSD2). Whilst the unbanked are a commonly analyzed subject, the overbanked have not yet been examined in the literature. The aim of the current article is to answer the following question: is having accounts in multiple banks connected with customer recklessness or consumer awareness? The analysis carried out by the author of this paper shows that people who have accounts in many banks: are aware of the guaranteed amounts of deposits in banks operating in Poland, compare offers in different banks, and are less likely to be victims of phishing. Results show that awareness increases with respondents' age. Age is a variable which directly and indirectly affects the number of accounts held in different banks. [ABSTRACT FROM AUTHOR]

Copyright of Icelandic Society / Íslenska þjóðfélagið is the property of Icelandic Sociological Association and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of International Journal of Specialized Islamic Studies (SIS) is the property of Refaad for Studies, Research & Development and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Journal of Finance & Financial Law / Finanse i Prawo Finansowe is the property of Wydawnictwo Uniwersytetu Lodzkiego and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Purpose: This study aims to verify the influence of perceived value dimensions on customer satisfaction and loyalty in the banking sector, comparing these relationships between traditional banks and fintechs. Also, it was verified whether satisfaction mediates the relationships between the dimensions of perceived value and customer loyalty to traditional banks and fintechs, comparing them. Design/methodology/approach: Data were collected through two online questionnaires with 792 total respondents, 411 from traditional banks and 381 from fintechs. For data analysis, the authors used the Partial Least Squares - Structural Equation Modeling (PLS-SEM) and PLS-SEM multigroup analysis (PLS-MGA). Findings: The influence of customer satisfaction on loyalty tends to be greater in traditional banks than in fintechs; the effect of reliability on satisfaction tends to be greater in fintechs than in traditional banks and the effect of price on satisfaction tends to be greater in traditional banks than in fintechs. Indirectly, empathy, price and competence influence loyalty through satisfaction, and in all these relationships, the strength of the effect is significantly greater in traditional banks when compared to fintechs. Research limitations/implications: The findings, on the one hand, indicate that banks' investments in customer satisfaction, empathy, price and competence tend to generate positive results by expanding customer loyalty in addition to the return on similar investments made by fintechs. On the other hand, when fintechs invest in reliability, they tend to capture better results in increasing customer satisfaction compared to traditional banks. Originality/value: The comparison of the effect of the dimensions of perceived value on satisfaction and loyalty between traditional banks and fintechs stands out, which is a novelty in the literature. This comparison can support strategies that aim to strengthen relationships with customers and increase the recurrence of business, both for traditional banks and fintechs. [ABSTRACT FROM AUTHOR]

Commercial contracts are the main tool for regulating relations between enterprises, regardless of their geographical location. The purpose of the research is the analysis and study of modern trends, features, and problems related to the conclusion and execution of commercial contracts in foreign countries. The main tasks are: 1. Study of the main principles of commercial law of foreign countries. Consideration of key aspects of commercial law of different countries, such as the principles of contract law, executive law, and other important aspects affecting the conclusion and performance of contracts. 2. Study of current problems and challenges. Consideration of modern problems of conclusion, execution, and disputes under contracts in the commercial law of foreign countries, such as problems of electronic commerce, international trade disputes, protection of consumer rights, and other relevant issues. 3. Study of international trends. Analysis of modern international trends in the field of commercial law, such as the harmonization of legal norms, the development of electronic commerce, the impact of technology on the conclusion and performance of contracts, international cooperation, and integration. Current theoretical approaches, principles, and general rules related to commercial contracts in foreign countries are studied. The problems arising in the practice of conclusion and execution of such contracts have been identified. Common principles and features of regulation of commercial contracts in various foreign countries are established. [ABSTRACT FROM AUTHOR]

Copyright of Arab Journal for Humanities & Social Sciences is the property of AL-Sunbula Center for Research and Studies and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Purpose: This study examines the role of celebrity credibility in fostering loyalty and long-term commitment toward the financial service provider (banking services in this study) through the development of trust in the service provider. The relationship combines the commitment-trust theory, the source credibility, and the meaning transfer model. Design/methodology/approach: The proposed model uses online survey data from 855 participants. The data are analyzed using structural equation modeling. The relationship between celebrity credibility, commitment, and loyalty to the service provider is explored, with trust in the service provider acting as a mediator. The profession and gender of celebrities are considered moderators. Findings: Trust in service providers partially mediates the relationship between celebrity credibility, customer loyalty, and commitment. Moderation results across multiple groups show that male and sports celebrities are more persuasive in expertise, and customers find women and movie stars to be more effective endorsers in the attractiveness dimension. Research limitations/implications: This study focuses only on banking services with data collected from a single country to examine a celebrity's role as a spokesperson. Practical implications: Considering the benefits of having a well-known celebrity as a spokesperson for financial services like banking is intriguing. Given the unique characteristics and significant perceived risk associated with financial services, marketers may consider hiring celebrity endorsers to increase tangibility and reduce risk. Originality/value: The results of this study may provide a deeper understanding of the combined effect of celebrity credibility and trust in financial service providers, which provides tangibility and helps establish a strong customer relationship. [ABSTRACT FROM AUTHOR]

The development of small and medium-sized enterprises is an essential factor in the economic development of countries, and all economists agree on the importance of this issue in the prosperity of production and economic growth. However, despite the great importance of these businesses in the economy, their lack of proper access to financial resources is recognized as one of the most important obstacles to the growth of this type of business. There are different ways to finance small and medium-sized businesses, but due to the bank-based structure of the Iranian economy and the lack of development of alternative financial instruments, banks still play an essential role in financing these businesses. The main issue of this research is to provide solutions to facilitate the access of SMEs to Iranian banking services and then prioritize these solutions. The current research is based on a mixed sequential exploratory approach in two stages .In this research, first by using the opinion of banking and entrepreneurship experts, 38 solutions to improve the access of small and medium businesses to banking services were identified and analyzed with thematic analysis method, then they were prioritized with TOPSIS method. The tools for collecting information in the identification of solutions and their prioritization were semi-structured interviews and questionnaires.The sampling method in this research is purposeful and the number of samples in thematic analysis has reached theoretical saturation. Based on the findings of the research, the solutions to improve the access of small and medium businesses to banking services were classified into three general categories (1) solutions related to the bank, (2) solutions related to small and medium businesses and (3) macro-level solutions.According to the prioritization, the solutions of reforming the credit rating system, establishing specialized bank funds to support entrepreneurship, reducing the operational and administrative costs of banks, and establishing specialized SME banks were recognized as having the highest degree of importance from the perspective of experts. [ABSTRACT FROM AUTHOR]

Banking is an indispensable sector in our modern society and it forms the core area of money market among the advanced countries. Financial access to all sections of society is inevitable for the overall development of a nation. But the society should have timely and adequate availability of financial services to ensure access at affordable cost. The present study is intended to analyze the usage of banking products and services of commercial banks in Villupuram district. [ABSTRACT FROM AUTHOR]

Today, interbank competition is gaining momentum, so the introduction and development of innovative technologies in the provision of banking services is becoming particularly relevant. In addition, the improvement of innovative technologies in the banking sector will ensure the efficient operation of the banking system and increase the level of the economy of Ukraine by increasing innovative ways of carrying out financial transactions. The goal is to study the prospects for the integration of financial technologies in the banking sector, to identify strengths and weaknesses, as well as threats and opportunities for the influence of these technologies in the banking industry. The theoretical and methodological main articles are the works of Ukrainian scientists on the implementation of banking innovations and financial technologies. Empirical and theoretical research methods were used in the research process, which made it possible to reveal the essence of the concept of innovative activity and innovative technologies. An analysis of modern promising innovative technologies in Ukraine and in the world was carried out. With the help of SWOT analysis, the strengths and weaknesses of innovative technologies, such as: ManuScan, electronic wallets, electronic payment systems, were investigated. Special attention was paid to the category of threats of such innovative technologies as hacking and virus attacks, since these innovative technologies are used in the banking and financial system at the state level. Innovative technologies are analyzed as a complete innovation of changes in the activity of the financial sphere of Ukraine with the aim of improving the use of the banking and financial sphere of Ukraine, increasing monetary transactions both on the territory of Ukraine and outside of it. The activity of banking institutions using the latest, improved financial products and services is considered. The practical value of the study is that it can become a basis for achieving stable and efficient functioning of banks in the future, as well as provide recommendations for the implementation of the latest electronic payment systems, which are currently gaining popularity [ABSTRACT FROM AUTHOR]

Copyright of SKEI - International Interdisciplinary Journal / Medunarodni Interdisciplinarni Casopis is the property of University Vitez, Bosnia & Herzegovina and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

India is a country where we demand a large number of banking services and products with which saving, and investment needs of individuals are properly channelized in formal sector and capital formation in the economy. With the advent of globalization and increasing customer demand for banking services has added some valuable attributes in the services offered by banks that help to attract more and more customers. The present study conducted is descriptive in nature performed in Lucknow district of Uttar Pradesh. The aim of the study is to ascertain the factors influencing customer perception towards banking services. The present study was conducted on 397 customers of different banks in Lucknow City. Factor Analysis statistical tool has been used for the present study. The result from the study revealed that essential services, ease of service access, user friendliness, cost and return and safety were found the most important factors contributing towards the customer perception towards opting banking services. [ABSTRACT FROM AUTHOR]

Copyright of Roa Iktissadia Review is the property of Roa Iktissadia Review and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

In recent years, some standards and frameworks proposed the risk management structures for managing and controlling IT risk that is the main component of enterprise governance of IT. Unfortunately, these frameworks have a retrospective view of threat analysis and less pay attention to future threats in the business environment, and do not propose adaptable solutions. At the same time, the current risk framework is not based on a strong scientific system modeling. In this research, the researcher proposed the Viable System Model (VSM) as an adaptable and comprehensive framework that is based on scientific modeling with the systematic approach for managing and controlling IT risk in today's complex business environment. This research did in a systematic action research methodology in the banking context in Iran. The results showed that by applying the VSM as a framework for managing IT risk, adaptability of IT risk criteria according to the future threats can be achieved by this framework. A comprehensive risk management framework (retrospective and prospective view) with a systematic approach could be achieved by this system modeling. [ABSTRACT FROM AUTHOR]

The purpose of this paper is to present the two existing virtual account models functioning in the European Union, examine their legal validity and identify the legal challenges related to the functioning of these models. The first model, Mass Payment Accounts, which is related to virtual accounts rather than to virtual IBANs, is the model where the licensed financial institution only provides a business payment (settlement) account, with technical subaccounts, to one of their business clients. The functionality of the subaccounts is limited to reflect and distinguish the incoming payments. The second and more complex model is the vIBAN solution, where the licensed payment institution provides, to another licensed financial institution, indirect access to local payment schemes (hereinafter referred to as "vIBAN"). To confirm the legal validity and identify the potential risks of vIBAN services, EU law was analysed with some insights from Polish law. The reason for introducing vIBAN services is the difficulty for certain payment service providers to participate in so-called designated payment systems. Designated payment systems are usually the most widespread local payment systems. The reason for the different treatment of these designated systems is banking systemic risk, understood as a situation where a default by a system participant may result in a default by other participants. Consequently, even if a given payment service provider can obtain its own IBAN number, there is often no possibility for it to participate in designated payment schemes. Bearing in mind the different rules in the case of designated payment systems, the legality of vIBAN services in the EU law is justified by the principle of free movement of services, the principle of equal access to payment schemes and the obligation of the credit institutions to provide banking and non-banking participants with credit institution payment account services on an objective, non-discriminatory and proportionate basis. However, there are various challenges related to the functioning of vIBAN services, such as the overlapping of certain AML/CFT obligations, enforcement of administrative and court seizures, AML-related blocking of vIBANs and consistency of money transfer sender data with the Fund Transfer Regulation. The most pressing challenges requiring prompt regulation on the European level are related to the applicable deposit protection scheme, as well as to specific Member States' administrative restrictions, which can cause difficulties in offering vIBAN services to business entities. [ABSTRACT FROM AUTHOR]

Purpose: Artificial intelligence (AI) is used by banking services primarily to automate systems; however, this ecosystem does not work in emerging markets because human intervention is needed, and there are concerns related to infrastructure. There is plenty of research on AI-mediated banking services, but the existing discussions are cumbersome, and studies on AI's service features in banking for emerging markets are limited. Furthermore, the ongoing discussions are centred on developed markets where automation in banking services is noteworthy and accepted. Through this paper, the authors emphasise the relevance of AI mediation in emerging markets and the possible role of strategising AI in banking services for personalised experiences. Design/methodology/approach: The authors' article followed an exploratory, inductive approach through in-depth interviews and thematic analysis. In total, 36 financial experts were interviewed, and the relevant perspectives were analysed to develop the research process and framework for a personalised banking experience. Findings: The authors' paper introduced five key themes and presented those themes accordingly. The first theme details the importance of AI-mediated banking and the skills necessary for operational capacity. The second theme is on the relevance of AI-mediated banking awareness amongst users. The third is about channelling the importance of AI-driven interfaces through managers and employees. Fourth, the authors emphasised the relevance of human intervention due to users' demographic patterns. The fifth theme led to a discussion on personalised AI-mediated banking services. Research limitations/implications: The authors recommend that managers understand the relevance of quality service amongst users. The authors' paper discusses the relevance of AI and human intervention in banking services; however, the process for seamless, personalised banking experiences is not provided. Thus, this paper encourages managers to build a banking ecosystem that delivers a seamless banking experience through AI. Originality/value: The authors' paper highlights the importance of human intervention in AI-driven banking by introducing personalised service experience elements and highlighting the role of customer experience in AI-driven banking services in emerging markets. [ABSTRACT FROM AUTHOR]

The object of the research is modern online services and machine learning libraries for predicting the probability of the bank client’s consent to the provision of the proposed services. One of the most problematic areas is the high unpredictability of the result in the field of banking marketing using the most common technique of introducing new services for clients – the so-called cold calling. Therefore, the question of assessing the probability and predicting the behavior of a potential client when promoting new banking services and services using cold calling is particularly relevant. In the course of the study, libraries of machine learning methods and data analysis of the Python programming language were used. A program was developed to build a model for predicting the behavior of bank customers using data processing methods using gradient boosting, regularization of gradient boosting, random forest algorithm and recurrent neural networks. Analogous models were built using cloud machine learning services Azure ML, BigML and the Auto-sklearn library. Data analysis and prediction models built using Python language libraries have a fairly high quality – an average of 94.5 %. Using the Azure ML cloud service, a predictive model with an accuracy of 88.6 % was built. The BigML machine learning service made it possible to build a model with an accuracy of 88.8 %. Machine learning methods from the Auto-sklearn library made it possible to obtain a model with a higher quality – 94.9 %. This is due to the fact that the proposed libraries of the Python programming language allow better customization of data processing methods and machine learning to obtain more accurate models than free cloud services that do not provide such capabilities. Thanks to this, it is possible to obtain a predictive model of the behavior of bank customers with a fairly high degree of accuracy. It is worth noting that in order to make a prediction (forecast), it is necessary to study the context of the task, process the data, build various machine learning algorithms, evaluate the quality of the models and choose the best of them. [ABSTRACT FROM AUTHOR]

The purpose of this article is twofold: (1) to investigate the emotions experienced by banking customers when using live chat services and their impact on positive word-of-mouth intentions; and, (2) to identify which dimensions of e-service quality (accessibility, customer service and support, perceived security/privacy and design) impact these emotions. A survey was conducted with 682 members of a Web-based panel. Findings demonstrate that emotions, both positive and negative, significantly impact word of mouth. Results further reveal that customer service and support followed by design of live chat services mostly influence consumer emotions. On a practical level, the recommendations provided will improve consumer experience and encourage consumers to use live chat services. This is all the more important since such services are now part of the promotion and contribution of a sustainable mode of consumption that is accessible to all. [ABSTRACT FROM AUTHOR]

The digital transformation has permeated many industries and is becoming increasingly important for our everyday lives. Naturally, the digital transformation entered the banking industry with full impact transforming both products and services, as well as the traditional client-bank relations. Digital transformation, the fierce competition, and the pursuit of the desideratum of sustainable development challenge banking business models and especially the approach towards customers. Customer satisfaction has become an imperative for bank management due to a series of recent developments related to both the industry and the customers. The present paper aims at discussing the influence of socio-demographic factors and the satisfaction with e-banking on the general level of customer satisfaction with banking services in Romania, employing graphical visualization. The results revealed the following hierarchy of variables impacting the general level of satisfaction with banking services: income, the place of residence, the satisfaction with e-banking services, and education. [ABSTRACT FROM AUTHOR]