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The article explores the potential of Fintech for the Romanian financial market, assessing the real value added for the Romanian clients. The methodological approach is based on a customercentric questionnaire related to the digital transformation of the financial industry in Romania and was completed by an analysis through the SPSS software. The research aims at finding how are the financial solutions of the FinTech companies perceived by the public and what are the major concerns related to the FinTech industry in Romania. The research hypotheses are willing to clarify the relationship between the plethora of financial services used, the online banking frequency and the FinTech affinities, suggesting that the early adopters of FinTech are digitally active banking clients. However, the paper outlines an embryonic phase of the FinTech development in Romania, where the respondents were most impacted by the FinTech industry in a passive way.

Sustainable development has become an imperative across businesses and industries and the banking industry makes no exception, especially since it is a very dynamic industry worldwide. However, the sustainable development faces numerous challenges and one of them is represented by the desideratum to achieve high customer satisfaction. Paying attention to customer satisfaction has become an imperative for bank management as a natural consequence of the development of the industry on the one hand, and the evolutions of customer behavior on the other. The present paper aims at assessing the influence of a series of socio-demographic factors on customer satisfaction with banking services in Romania, using an artificial neural network. We chose seven demographic variables (age, education, gender, professional status, marital status, residence, and income). The results revealed the hierarchy of the socio-demographic factors with impact on customer satisfaction with banking services.

It is estimated that globally over 2.5 billion people are excluded from to access to monetary administrations of which 33% is in India. In spite of the fact that the span and extent of banking has along these lines expanded, the tremendous interest for monetary administrations stays insatiate. It’s anything but an issue of worry that even with 150 homegrown business banks including 19 Public Sector Banks, 20 Private Sector Banks, 44 Foreign Banks, 4 Local Area Banks, 56 Regional Rural Banks and more than 2,700 Co-employable Banks working 40% of the grownups have formal ledgers. Financial consideration plays a big part in the country’s inclusive growth the expansion of our economic system. The expansion of India’s agriculture sector is crucial. The availability of high-quality financial services in rural areas will allow a huge number of rural households to expand their businesses. The examination of Small Finance Banks and their role in achieving financial inclusion in India is the topic of this research and there are issues. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Administration & Economics 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.)

In the history of banking services, mobile banking has been thought of as a key interactive channel between financial institutions and customers. The last decade there has been an increasing interest in studying mobile banking topic. Most literature in the field of mobile banking has only focused on an individual approach and lacked the macro approach and industry approach. Therefore, this research aims to show a comprehensive review of mobile banking research in past decade and analyses the significant results from previous research. This paper makes a contribution to a deeper understanding of mobile banking from a macro approach and industry approach.

Lately, the global banking services industry has faced numerous challenges: the digitalization, increased competition, the instability of monetary and foreign exchange markets, and the volatility of exchange rates. However, at present, banks are facing the greatest challenge of all that is, placing the customers at the centre of business and the systematic follow-up of customer satisfaction. The present paper aims at assessing the influence of a series of determinants and socio-demographic factors on customer satisfaction with banking services in Romania, using the probit and logit models. The research focused on the Romanian banking market due to its distinctiveness within the European context – performance indicators above the European average during the past five years and a concentration level that discloses a significant growth potential. The results of the two models employed revealed similar results, with the most influential variables on customer satisfaction being convenience, e-banking, quality, and revenues. First published online 14 March 2022

the banking system in romania like all the other financial sectors was stricken by the SARS-COV2 pandemic. the most stricken banks were the commercial ones which effectively depended on the businness of small storekeepers who tried to overcome this period in order not to go bankrupt. [ABSTRACT FROM AUTHOR]

Copyright of Al Bashaer Economic Journal is the property of Al Bashaer Economic Journal 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 Economic Administrative & Legal Sciences is the property of Arab Journal of Sciences & Research Publishing (AJSRP) 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.)

Financial inclusion aims that every household and person should have a bank account so that they can use basic financial services. RBI and the government take various initiatives to promote financial inclusion among people like no-fill accounts, Jan Dhan Yojana, etc. They want to promote financial inclusion through online banking and cashless transactions in the country. In 2016, the Government introduced demonetisation to reduce the circulation of black money and promote online banking services in India. For achieving 100% financial inclusion women must play an important role. The objectives of the present study are to check the demographic influence on the usage of online banking by females in Hamirpur district of Himachal Pradesh. Random sampling technique applied, both primary and secondary data used for the study. A structured questionnaire was used to collect the primary data and the same was analysed with the help of SPSS. The study reveals that income has a statistically significant relationship with the usage of online banking services. Whereas, age and occupation have a statistically insignificant relationship with the usage of online banking services. Further, online banking is useful, time-saver, and helpful for women empowerment. [ABSTRACT FROM AUTHOR]

Subject and purpose of work: The aim of the article is to present selected aspects of the digitization process of the banking sector in Poland, including the role of the digital channel in the sale of banking products.

Purpose – The purpose of this paper is to evaluate the efficiency in financial intermediation and the cost efficiency in banking service of credit unions in Brazil, based on essentially accounting variables, and to analyze the temporal evolution of the efficiency of these cooperatives. Design/methodology/approach – With a sample of 315 cooperatives over the period from 2007 to 2014, this research uses a two-stage process: application of regression models with panel data to verify which variables are related to the defined outputs, with the reduction of 31 variables to 8 variables in both models; and application of the data envelopment analysis method to obtain an analysis of credit unions’ efficiency. Findings – The results demonstrate a high level of efficiency in financial intermediation, with low variation over time, associated with a low efficiency in the banking service, in which few cooperatives have remained efficient over time. In addition, the cooperatives with highest efficiency in financial intermediation were also the most efficient in providing services. Research limitations/implications – This research has some limitations about the capacity of the proxies used to capture the real effect of the variables and assumptions of economic relations resulting in restrictions to generalize the results. Practical implications – Cooperatives are usually analyzed under just one dimension. By separating the analysis into financial intermediation and banking services, cooperatives that are more efficient in each dimension can be identified, in addition to analyzing the evolution over time. The authors found that efficiency tends to be lower in banking services, and few cooperatives remain at the highest level of efficiency over time in both models. Social implications – Credit unions provide an important service in the banking and credit market. Therefore, understanding its operation and the characteristics that influence its efficiency allows a better management of the cooperatives themselves and a greater understanding of this important segment of the financial market.

Mobile banking is one of the most recent and innovative service offered by banks. At present, electronic banking services are quite widespread in the world, many banks have started to offer these services. In order to improve the quality of customer service delivery and reduce transaction costs, banks have invested in ICT in an advantageous manner and have adopted ICT networks to provide a wide range of banking products and services. Attempts to fraud on the Internet are a booming phenomenon, correlated with the increase in the number of users and, respectively, of electronic transactions, a challenge to which the on-line banking applications must respond through increased security measures. In this context, this paper aims to provide an overview of electronic banking services by highlighting various aspects of Mobile Banking.

Digitalization of the economy is nowadays one of the most important factors of economic development throughout the world. To the greatest extent, the digitalization process affects the financial markets, and especially the banking services market. One of the consequences of digitalization is a change in behaviour of consumers of banking services. The purpose of this article is to consider the impact of digitalization of the economy on behaviour of consumers of banking services, as well as on marketing activities of commercial banks. The article identifies the most important changes in behaviour of consumers of banking services, caused by the digitization of the economy: increasing the relevance of financial needs, increasing consumer autonomy and changing consumer behaviour patterns. Specific feature of needs satisfied by banking services is their secondary nature and, as a result, low relevance for many consumers. Development of information environment of financial market in context of digitalization of the economy is becoming a powerful external incentive for financial needs to become more relevant. Thanks to development of remote banking services, consumers are able to use banking services without a help of a bank employee. In addition to this, an increase in the degree of independence and freedom of choice of consumers of banking services is facilitated by development of web resources which provide structured information about banking services. This leads to the change in consumer behaviour patterns: a customer first selects the banking product using the Internet, and only after that he contacts the bank whose product best meets his needs. Changing consumer behaviour makes it necessary to improve the marketing activities of banks: a shift in focus from image advertising to product advertising, increasing attention on quality characteristics of banking services.At the end of the 20th century, the main form of banking advertising was image advertising, which worked well in conditions when a customer first chose the bank, and then a product. Today, when these stages of consumer choice have changed places, advertising again has to focus not on the bank, but on the banking product. In this regard, quality of banking services becomes the main tool of banking competition, and it is important to distinguish between two groups of criteria for quality of banking services – from the point of view of a bank and from the point of view of a customer, – focusing on the second group.

This article examines the implications of Russian constitutional reforms on foreign investment relations, particularly investment disputes and their potential review by Russian courts. [ABSTRACT FROM AUTHOR]

bstract The purpose of this study is to design and test the marketing model of banking services based on the grounded theory approach in Bank Saderat Iran to provide a paradigmatic model of new banking services that affect customer preferences. In this research, the heuristic mixed-methods design was used. At first, with the help of the qualitative method of the grounded theory approach, the qualitative model of banking services was extracted. Then, with the help of the survey method and structural equations, the model was tested. The results of the study showed that, in the field of banking services of Bank Saderat, 22 components were obtained: improving the structure of the bank in banking services, more presence and stabilization in the market, realization of internal marketing, style of marketing strategies, service style, management structure, human resource management, market orientation (customer orientation and competitiveness), value creation for the customer, communication with customers and the community, brand and branding, physical facilities, process improvement, customer orientation, customer information management, electronic services, staff, advertising, price, product/service, and distribution. In this model, the main and central category was value creation for the customer in banking. Price, distribution, advertising, and staff were causal factors. Customer orientation, processes, information management, customers, and electronic procedures were the underlying factors. Physical facilities, brand, branding, and bank communications were intervening factors. Improving management structures, improving marketing strategies, market orientation, human resource management, and improving service delivery were the model strategies. Ultimately, more and more established presence in the market, improving the bank structure, and the realization of internal marketing were the consequences of the model. The analysis of the routes showed that, with a 95% confidence level of causal factors to the main category, the main category was strategies. Interfering factors to strategies and underlying factors had a positive effect on strategies and ultimately strategies on outcomes. The greatest impact was on the direction of strategies to consequences, which is estimated at 70%. [ABSTRACT FROM AUTHOR]

This study aimed to identify the relationship of Applying Electronic Payment Systems to Improving the of banks services quality's in Algeria from the viewpoint of bank's employees. The researcher used the descriptive analytical method. A random sample of employees in banks was selected and a total of 45 responses were obtained with a recovery rate 75% for the questionnaire of the employees. Findings indicated that the Spearman correlation coefficient found to be low and negative, indicating a weak and inverse relationship between applying electronic payment systems and banks services quality's in Algeria from the viewpoint of bank's employees. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Economics & Finance (2437-0630) 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.)

Copyright of Journal of Academic Value Studies is the property of Asos Egitim Bilisim Danismanlik 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 present paper outlines the online banking penetration of the current financial market, the investment volume in FinTech, its potential to accelerate the digital transformation in the banking sector and the main premises of the FinTech development in Romania. The main objective of the paper was to explore the customers' awareness related to digital services and FinTech and to test their trust in such solutions using both analytical and descriptive methods. The value of the paper was amplified by the individual customers' perspective related to the financial industry transformation, which was extremely relevant for the main assumptions of the current research. There were analyzed the clients' opinions regarding disruptive technologies and their attitudes towards the digital transformation of the financial sector in Romania. The results of the paper provide a clear overview of the Romanian banking sector in terms of digital innovation from the clients' perspective, relying on the ratio between the main FinTech advantages and risks. The paper revels a surprisingly competitive mechanism between banks and FinTech corporations, sustained by a high level of awareness of FinTech services among customers and a reactive position of the banks which empowers them with more authority and expands the market. [ABSTRACT FROM AUTHOR]

The effectiveness of the bank's management depends on the information support quality and appropriate diagnostics of the bank's work with its clients, particularly corporate ones. The aim of this investigation is to develop promising tools for diagnostics of the operation of commercial banks serving corporate clients in the regional market. The competitiveness indicator is proposed in this paper as a commercial bank operation diagnostic tool This indicator gives an opportunity to evaluate the bank operation in comparison with its competitors due to the level of satisfaction with the quality of the offered services and the efficiency of its business activities by comparing the bank's competitive position with respect to its competitors. The method of banking services competitiveness determination as a tool of the diagnostics of work efficiency of the third group of commercial banks (PJSC «Metabank», PJSC «Motorbank» and CB «Industrialbank») serving corporate clients in the Zaporizhzhya region market is applied in the paper. The proposed tool for diagnostics of bank efficiency with corporate clients on the basis of determining the integral indicator of banking services competitiveness makes it possible to determine the directions of the increase of its efficiency. The methodology involves step-by-step determination of the average integral evaluation of quality and value indicators of providing services to corporate clients. At the first stage, the selection of quality and cost indicators of providing services to corporate clients and their rationing is performed using the «desirability function» or relatively to the reference value. At the next stage, the weights are calculated according to quality and cost indicators. The offered tool of bank operation efficiency diagnostics makes it possible to reveal directions of the improvement of PJSC «Metabank» work with corporate clients in the regional market, such as: organization of services, improvement of offered services quality and service convenience; increasing the number of branches; improving information support, particularly by improving the staff work with clients concerning professional advice support and by implementing online calculator for services cost determination. [ABSTRACT FROM AUTHOR]

The article explores the potential of Fintech for the Romanian financial market, assessing the real value added for the Romanian clients. The methodological approach is based on a customercentric questionnaire related to the digital transformation of the financial industry in Romania and was completed by an analysis through the SPSS software. The research aims at finding how are the financial solutions of the FinTech companies perceived by the public and what are the major concerns related to the FinTech industry in Romania. The research hypotheses are willing to clarify the relationship between the plethora of financial services used, the online banking frequency and the FinTech affinities, suggesting that the early adopters of FinTech are digitally active banking clients. However, the paper outlines an embryonic phase of the FinTech development in Romania, where the respondents were most impacted by the FinTech industry in a passive way. [ABSTRACT FROM AUTHOR]

Sustainable development has become an imperative across businesses and industries and the banking industry makes no exception, especially since it is a very dynamic industry worldwide. However, the sustainable development faces numerous challenges and one of them is represented by the desideratum to achieve high customer satisfaction. Paying attention to customer satisfaction has become an imperative for bank management as a natural consequence of the development of the industry on the one hand, and the evolutions of customer behavior on the other. The present paper aims at assessing the influence of a series of socio-demographic factors on customer satisfaction with banking services in Romania, using an artificial neural network. We chose seven demographic variables (age, education, gender, professional status, marital status, residence, and income). The results revealed the hierarchy of the socio-demographic factors with impact on customer satisfaction with banking services. [ABSTRACT FROM AUTHOR]

This study aims to analyze the impact of banking services and the structure of the financial system on the economic development of the Immediate Geographic Regions (RGI) of Mato Grosso do Sul (MS) from 2002-2015. The economy and credit sector of the twelve RGIs were analyzed with panel data and two quantitative models were developed to examine the impact of financial products on economic development and the influence of the financial system structure as a support for this development. The results showed that the effects of credit are inconsistent with the per capita GDP in the immediate regions of MS. [ABSTRACT FROM AUTHOR]

The present study aims to design a model to manage the experience of banking service customers. The research method is qualitative. Data collection and data analysis were conducted based on the grounded theory method. This method was practiced through open, axial and selective coding. The data were obtained from field and library studies. Generally, the data were gathered as open codes through interviews with academic and industrial experts. Then, they were classified and filtered by setting up relations between the micro and the macro categories and, finally, validated and edited. The final model of the study was based on brand experience, service experience (service provider) and after-use experience. Also, micro dimensions and the corresponding propositions in banking industry were identified and discussed.

Neuromarketing as research method contrbutes to understanding consumer behavior a step further than traditional marketing research. The aim of the current study is to explore the usability and cognitive understanding of banking services webpages. In this regard, the theoretical part of the article reviews the relevant literature related to neuromarketing as research method and the use of eye-tracker as research technique. Further on, a two-step research design was developed for studying the consumers’ attention and memory during and after viewing two Romanian banking services websites. The results showed that the way information is structured and presented on the webpages influence their usabiliy and cognitive understanding.

The financial equilibrium (“financial health”) of the enterprises is a prerequisite for their sustainable development, which ensures macroeconomic stability of the economy and the welfare of the state. It should be supported by the banking system, which performs the function of the effective reallocation of capital. Recently, the Ukrainian banking system itself is in a challenging situation and is undergoing a period of transformation. The purpose of the study is to assess how sufficiently the banking system of Ukraine supports the financial equilibrium of enterprises and to find the possibilities to strengthen its role in the progress of the real sector of economy. The authors single out three stages of financial equilibrium growth; each of them can be supported by the relevant banking services. The empirical analysis proves that the Ukrainian banks successfully ensure only the first stage, namely, liquidity balancing. To quantitatively assess the role of the banking system in supporting the enterprises’ financial equilibrium, a multivariate regression applying mathematical gnostic analysis in the program shell R Console is used. The research makes it possible to find out that only the economy monetization, the share of time deposits of economic entities and growth rate of mortgage loans have a positive effect. The authors conclude that the problems of both enterprises and the banking system are in the sphere of development and implementation of government economic policy and are aggravated by the restrictive monetary policy.

The article examines the difference between the principles of operation of Islamic banks from the traditional commercial banks, list the existing problems that must be overcome for integration of Islamic banking in traditional financial industry.

Information technologies have enabled banks to expand their business and adapt their services to customer needs. By developing and increasing the use of mobile communication technologies, a new type of banking has developed, known as "mobile banking". Mobile banking represents the future of modern banking. Mobile technology allows a bank to interact with its customers in different ways, anytime and anywhere. Both positive and negative sides of mobile banking have been analyzed and presented in the paper. First the offer of mobile banking services on the territory of the Republic of Serbia was analyzed, followed by the analysis of demand in the form of a conducted survey. Results of the survey have shown that the majority of respondents use mobile banking services, but there is still a large number of users who do not use these services. Risk and insufficient information are found to be the main reasons for the nonuser of mobile banking services.

The article examines the experience of building open platforms by leading global IT companies. The features of the current strategy for transforming the business model of Sberbank, based on the creation of a financial and technological open platform, that ensures interaction with the financial market and other market sectors have identified. Research strategy allows in maximum extent to attract and retain the attention of the client, providing him a «fine-tuning» and personalized targeted offers of financial and non-financial products and services.

Current state of the process of integration of banking systems of the member States of the Eurasian economic Union has considered. Based on the comparison of the main indicators of the banking sector development in the states of the Eurasian Economic Union countries, the main differences in the approaches of the States to the development of national banking systems have highlighted. Nowadays they are currently developing autonomously, despite the steps taken to integrate them has revealed. The SWOT-analysis of the factors influencing the integration in order to identify the positive and negative aspects of this process development has made.

Artificial intelligence seems to be all pervasive and slowly has become an integral part of commercial entities. However, there needs to be an approach that can integrate human and machine interaction and make it a sustainable implementation. Using framework developed by Mohapatra (2019), we find that such parameters that can improve physical interactions with humans and domain processes. This article is an attempt to characterise these challenges and to exhibit a set of key decisional issues that need to be addressed for a cognitive robot to successfully share space and tasks with a human in retial services in a banking domain (Yang et al. in Inf Syst e-Bus Manag 17(1):1–25, 2019). Here, we identify first the needed individual and collaborative cognitive skills from the published framework and then apply them to a case study in retail banking domain. The article discusses each of these abilities, presents working implementations, and shows how they combine in a coherent and original deliberative architecture for human–robot interaction, which can be used for servicing customers (Tobias and Sebastian in Inf Syst e-Bus Manag 16(3):493–546, 2018). Supported by experimental results, we eventually show how explicit knowledge management, both symbolic and geometric, proves to be instrumental to richer and more natural human–robot interactions by pushing for pervasive, human-level semantics within the robot's deliberative system. [ABSTRACT FROM AUTHOR]

Copyright of Strategy & Development Review is the property of Strategy & Development 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.)

The development of financial technology (Fintech) imposes a challenge for traditional financial institutions. Therefore, it is important to analyze how financial technologies can change and affect banks’ performance. The aim and objective of this research are to analyze the possibilities for the development of financial technology, manage and adapt the changes that appear, qualitatively and quantitatively evaluate its impact on the banking sector’s performance in North Macedonia. After the analysis of the academic literature and statistical data, experts’ evaluation method is used to identify the development opportunities of Fintech in North Macedonia and correlation-regression analysis was applied to evaluate the impact of Fintech indicators on the performance of the Macedonian banking sector. According to the results of the experts’ assessment survey, North Macedonia possesses favorable conditions for Fintech enterprises to enter the Macedonian financial market in the next decade. Correlation-regression analysis showed that Fintech indicators influence the banking sector’s performance, but the effect is not very strong. The impact of Fintech in North Macedonia is a new area and so far, very little research. So, the obtained results will expand the scope of the research and would be useful and relevant on (i) how the government sector should manage changes, risks and ensure stability in the financial system; (ii) the way financial institutions can monitor possible developments and risks and manage them; accordingly, and (iii) the banking sector should analyze the impact of technology and Fintech new entities on them and take strategic decisions in this regard. [ABSTRACT FROM AUTHOR]

The article is focuses on the research of internet-banking from the standpoint of legal regulation and scientific-theoretical understanding. The growing role of innovative technologies in banking is justified. It is noted that the system of ways of providing banking services is dynamic and important both for the whole banking system and for the individual bank. Various scientific approaches to the definition of «Internet-banking» are considered. It is proposed to consider Internet-banking as a form of banking and as a form of remote customer service to the bank. In the first approach, internet banking is a form of banking activity in which banking operations are carried out through the exchange of electronic signals, rather than by exchanging cash, checks or other types of documents. The second approach involves treating Internet banking as a system of remote servicing of bank customers used by them and banks to conduct banking transactions and provide banking services exclusively through the Internet. The regulation of Internet-banking by legal acts is investigated and its extremely low level is emphasized. The necessity of establishing clear boundaries of use of Internet banking and a clearly defined range of banking services, which may or may not be provided via the Internet. Attention is focused on the following systems of remote customer service of the bank: «telephone banking», «client — bank», «client — Internet bank» and «instant contactless payment». Each of these systems is characterized. The significant difference between telephone banking and mobile banking is substantiated. In the first case, the person receives the service by phone through a call to the support service of the bank, and in this case, the availability of Internet access is currently irrelevant. And using mobile banking to perform any operations requires an Internet connection and the ability to use the mobile application installed on the phone, or go to the appropriate site using a personal computer. [ABSTRACT FROM AUTHOR]

Today, the transformation of banks requires, firstly, the establishment of digital banks, and secondly, the change in the activities of existing banking departments and the reduction of banking costs. In digital banks, banking services will be fully automated and self-management systems will be created for bank customers. In particular, today’s demand is that as a result of the development of the digital economy, banks are required to serve a large number of customers not by increasing the number of branches, but by developing remote banking services. In the process of transformation of banks in Uzbekistan, due to the increasing availability of remote banking services on the basis of mobile, Internet and other banking technologies, their level of security, risk minimization, ease of use, importance of use, public awareness of these services, usefulness of services, etc. the factors are econometrically analyzed based on the conceptual model created by the author. These affect the development of remote banking services (customer awareness of remote banking services (As), risk of using remote banking services (R), ease of use of remote banking services (Eu), understanding the usefulness of remote banking services (Uu), cost of remote banking services (Cs), security in the use of remote banking services (Ss)) were hypothesized. In order to assess the impact of these hypotheses, a survey of clients of the Tashkent branch of Joint Stock Commercial Bank with foreign capital «HAMKORBANK» was conducted and the results of the survey were econometrically analyzed on the basis of a conceptual model created by the author. These hypotheses have also been studied by foreign economists and their conclusions are given. The results of this study are of practical importance for the development of remote banking services in the banking system of Uzbekistan. [ABSTRACT FROM AUTHOR]

Copyright of IUG Journal of Economics & Business is the property of Islamic University of Gaza 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.)