Our Available Thesis Assistance Options Related to "E Banking":
- Will you write my paper for me? - Yes, we will.
What we offer:, let’s write a paper for you in no time, follow these 4 simple steps and solve you problem at once.
Provide details such as your topic, the number of pages, and extra requirements, and we’ll do a paper for you in no time!
Log in to your personal account to know the current status of your paper(s). You can also turn to our support team for the same purpose. Enjoy your life while we're working on your order.
As soon as we write the paper(s) for you, check it for correctness, and if everything is good to go, just download it and enjoy the results.
Our customers’ feedback
Still hesitant just look: others have already used our services and were pleased with the results.
Thank you guys for the amazing work! I got an A, and my professor was impressed. You have done the impossible, and I will never forget your help! The best service ever!
I ordered my paper two weeks ago and received it on time. The quality is very good, much better than other companies provide. My support agent is a pro, fast and simple explanations. Thanks!
I am firmly convinced that you will never disappoint me because you haven’t done it before. Amazing approaches and solutions at perfect prices! Please continue working the way you do!
I’ve been using WritePaperFor.me for about five months, and I have nothing to complain about. Excellent quality, perfect grammar, delivery on time, nice support team, pleasant prices, amazing results.
This service helped me focus on my job, and I will never forget the support I received. I’ve got a promotion in the end! Thanks a lot for everything you do for people like me!
I have to admit that searching for a reliable and professional service was a tough quest. Nevertheless, I am happy that I managed to find writepaperforme! Everything is much better than I expected!
The best bargain is just a few clicks away!
Get an original paper that doesn’t cost a fortune!
- 450 orders completed daily
- 86 disciplines of expertise
- 820+ professionals on our team
- 4.88/5 is the average order rating
Still have questions?
Contact our support agents and let them help you!
Is it time to write a paper for you? Contact us and relish the highest academic performance!
Our professionals will do their best!
You’ll write my paper for me, won’t you? We certainly will!
So tired of writing papers that you’re starting to think of your professor’s demise? Relax, we’re only joking! However, even a joke is woven with the thread of truth, and the truth is that endless assignments are constantly nagging at you and keeping you up all night long.
‘Writing my papers is unbearable!’ you may think But you’re not alone… What if we told you that we know a magical place where professionals can write your essays so perfectly that even professors’ most sophisticated requirements will be met? You’ve probably already guessed that we’re talking about WritePaperFor.me — the most delightful, facilitating, and destressing custom paper-writing service!
We are not going to be shy about our wish to see you as our steady customer. As a result, we aren’t twiddling our thumbs but permanently improving our services; we carefully select writers who always bone up on their subjects and disciplines, and we won’t rest unless you’ve gotten your ideal paper(s). All your wishes become our unshakable rules!
Why would I ask you to write paper for me?
Despite the obvious and even natural resistance to the idea of paper writing in principle that may occur with any student, you may also ask yourself, ‘Why would I need you to help me write my paper?’ The answer to this question lies in the spectrum of your routine actions. It’s not surprising that studying becomes part of our lives, but sometimes we’ve just got too much going on!
When you write an essay or academic paper, you just do one of the numerous things you face daily or weekly. This part of your life consumes lots of energy and time, so how can you possibly get around to doing other things like having fun, working, playing sports, helping relatives, and spending time with friends?
People are social creatures, and it’s only natural of us to request help from experts.. That’s why we ask doctors, electricians, or plumbers to help us! They’re all specialists. Who writes essays for you better than you do? Right, people who write numerous essays every day. We are experts in academic writing, aimed at satisfying all your needs related to education.
You just hire a professional to get a paper written, like you normally do in other situations. Our team of writers know everything about writing your paper and can cope with assignments of any complexity and academic level. Well-researched and expertly-written papers are what we do for our customers, and we always do our work professionally so that you could kick back and enjoy your life to the fullest.
The undeniable benefits of our custom paper-writing service
Apart from a paper written in accordance with the highest standards, we provide a wide range of contributory advantages to make your life easier. Let’s take a closer look at them.
Round-the-Clock Support. Our paper-writing service works day and night to help you with all current issues. Our friendly support team is available whenever you need them, even if it’s the middle of the night. They will gladly guide you and answer all your questions on how to order customized papers or consult you about the matters at hand. Feel free to share your questions or concerns with them and get comprehensible answers.
High-Class Quality. ‘Will you write a paper for me that meets all requirements?’ This question is frequently asked by many students, and we always answer in the affirmative. Our main goal is to deliver a perfectly written paper the meets the highest possible writing standards. We don’t rest unless you are satisfied with our work. If you hire a paper writer online, we guarantee you that you get 100% original and plagiarism-free assignments of high quality.
Complete Anonymity. We value your privacy and use modern encryption systems to protect you online. We don’t collect any personal or payment details and provide all our customers with 100% anonymity. ‘Can you write a paper for me and let me stay anonymous?’ Of course, we can! We are here to help you, not to cause problems.
Fast Delivery. We completely understand how strict deadlines may be when it comes to writing your paper. Even if your paper is due tomorrow morning, you can always rely on us. Our writers meet all set deadlines unequivocally. This rule is ironclad! The offered range is wide and starts from 6 hours to 2 weeks. Which one to choose is totally up to you. On our part, we guarantee that our writers will deliver your order on time.
Free Revisions. Our mission is to hone your paper to perfection. That’s why we offer you free revisions to make everything ideal and according to your needs. Feel free to ask for revisions if there is something you would like to be changed. That’s how our paper writing service works.
Money-Back Guarantee. You can get up to a 100% refund if you are dissatisfied with our work. Nevertheless, we are completely sure of our writers’ professionalism and credibility that offer you hard-core loyalty to our guarantees.
Comprehensible Explanations. ‘Can someone write my paper for me and provide clarifications?’ This question arises from time to time. Naturally, we want you to be totally prepared for the upcoming battle with your professor. If you need to fill the gaps in your knowledge, you can always ask for clarifications related to your paper. Moreover, when you order ‘write my paper for me’ service, you can always turn to our support agents for assistance. They will be glad to provide you with the necessary information and comprehensible explanations.
Fast and Customer-Focused Solutions. ‘Is it possible to do my paper for me so that I don’t worry about it at all?’ It certainly is! We offer all-encompassing solutions to all your academic problems by defining issues, determining their causes, selecting proper alternatives, and ultimately solving them. You are free to do your favorite activities while we are taking care of ongoing matters. You can always rely on us when it comes to essay-writing online and taking an individual approach to every case.
Who will write my paper when I order it?
Another crucial advantage of our service is our writers. You may have asked yourself, ‘I’d like to pay someone to write a paper for me, but who exactly will that person be?’ Once you order a paper, our managers will choose the best writer based on your requirements. You’ll get a writer who is a true expert in the relevant subject, and a perfect fit is certain to be found due to our thorough procedure of selecting.
Every applicant passes a complex procedure of tests to become one of our permanent writers. First of all, they should provide their credentials. We need to make sure that any prospective writers we hire have the proper experience.. The next step resides in passing a series of tests related to grammar, in addition to subject and/or discipline. Every paper-writer must pass them to prove their competency and their selected field of expertise.
One more step includes writing a sample to prove the ability to research and write consistently. Moreover, we always set our heart on hiring only devoted writers. When you ask us to write your essay or other academic works, you can be sure that they always do their best to provide you with well-structured and properly-written papers of high quality.
The final chord is related to special aspects of academic paper-writing. It means that every writer is prepared to cite properly, use different styles, and so on, so you don’t have to be worried about formatting at all.
‘So, can they write an ideal paper for me?’ We answer in the affirmative because we select only the best writers for our customers. Approximately 11% of all applicants can pass the whole set of tests and are ready to help you. All writers are fully compensated for their work and are highly motivated to provide you with the best results.
We are online 24/7 so that you could monitor the process of paper-writing and contact us whenever necessary. Don’t forget that your satisfaction is our priority. Our writers fully focus on your order when it comes to the ‘write my paper’ procedure. Our managers will immediately send all the information to your writer if any corrections are required.
It’s time to write my paper! What should I do?
‘I am ready to pay to have a paper written! Where do I start?’ Our team hears these words every day. We really believe that every student should be happy. That’s why we offer you to look at the simple steps to make the process even more convenient.
- Fill in the comprehensible order form located on the main page of our website. If you need some help with it, feel free to contact our support team.
- Provide the necessary details, such as the topic, subject or discipline, paper format, your academic level, etc.
- Select the deadline, and we will strictly follow it.
- Pay the total price. Submit a preferred payment method. The full sum will be deposited into your account on our website. The money will be transferred to your writer in case you approve the paper.
- If you have additional materials provided by your professor or may simply assist in writing your paper, please attach them too. They will help the assigned writer meet your professor’s expectations.
Every paper we can write for you is expertly-researched, well-structured, and consistent. Take a look at some types of papers we can help you with:
- Dissertations
- Research papers
- Case studies
- Term papers
- Business plans, etc.
Questions like ‘I would like you to write a paper for me without destroying my reputation. Can you promise to do so?’ or ‘Can you write my paper for me cheap and fast?’ often arise, and we take pride that these options are included in the list. Your safety and anonymity are parts of our common priority, which is to make you fully satisfied with all offered services.
Moreover, our pricing policy is flexible and allows you to select the options that totally suit your needs at affordable prices. You will be pleased with the results and the amount of money spent on your order. Our managers and writers will do the rest according to the highest standards.
Don’t hesitate and hire a writer to work on your paper now!
We believe that students know what is best for them, and if you suppose that it is time to ‘write my paper right now,’ we will help you handle it. ‘Will you do my paper without any hesitation?’ Of course, we will. Our service has all the necessary prerequisites to complete assignments regardless of their difficulty, academic level, or the number of pages. We choose a writer who has vast experience and a breadth of knowledge related to your topic.
Our ‘write my paper for me’ service offers a wide range of extra features to make the ordering process even more pleasant and convenient. Unlike lots of other services, we provide formatting, bibliography, amendments, and a title page for free.
‘When you write my paper for me? Can I monitor the process?’ Naturally, you can. We understand that you may want to ensure that everything is going well. Furthermore, there may be situations when some corrections are needed. We believe that a tool like this can come in handy. The assigned writer will strictly follow your and your professor’s requirements to make sure that your paper is perfect.
‘Is it possible to write my essay from scratch?’ We don’t do just proofreading or editing. Our goal is to fully carry your burden of writing. When this or similar questions appear, we always assure our customers that our writers can do whatever they need. Apart from writing from scratch or editing and proofreading, our experts can effortlessly cope with problem-solving of all kinds;even sophisticated software assignments!
Our ‘write my paper for me’ service is good for everyone who wants to delegate paper-writing to professionals and save precious time that can be spent differently and in a more practical way. We want you to be happy by offering the great opportunity to forget about endless and boring assignments once and forever. You won’t miss anything if your papers become the concern of our professional writers.
Don’t waste your precious time browsing other services. We provide you with everything you need while you are enjoying yourself by doing things you really enjoy. ‘Write my paper then! Do my paper for me right now!’ If you are ready to exclaim these words with delight, we welcome you to our haven, a place where students spend their time serenely and never worry about papers! It’s your turn to have fun, whereas our mission is to provide you with the best papers delivered on time!
Questions our customers ask
Can someone write my paper for me.
Yes, we can. We have writers ready to cope with papers of any complexity. Just contact our specialists and let us help you.
Who can I pay to write a paper for me?
We will help you select a writer according to your needs. As soon as you hire our specialist, you’ll see a significant improvement in your grades.
Can I pay someone to write a paper for me?
Yes, you can. We have lots of professionals to choose from. We employ only well-qualified experts with vast experience in academic paper writing.
What website will write a paper for me?
WritePaperFor.me is the website you need. We offer a wide range of services to cover all your needs. Just place an order and provide instructions, and we will write a perfect paper for you.
Is it safe to use your paper writing service?
Our service is completely safe and anonymous. We don’t keep your personal and payment details and use the latest encryption systems to protect you.
What are you waiting for?
You are a couple of clicks away from tranquility at an affordable price!
- Will you write my paper for me? - Yes, we will.
What we offer:, let’s write a paper for you in no time, follow these 4 simple steps and solve you problem at once.
Provide details such as your topic, the number of pages, and extra requirements, and we’ll do a paper for you in no time!
Log in to your personal account to know the current status of your paper(s). You can also turn to our support team for the same purpose. Enjoy your life while we're working on your order.
As soon as we write the paper(s) for you, check it for correctness, and if everything is good to go, just download it and enjoy the results.
Our customers’ feedback
Still hesitant just look: others have already used our services and were pleased with the results.
Thank you guys for the amazing work! I got an A, and my professor was impressed. You have done the impossible, and I will never forget your help! The best service ever!
I ordered my paper two weeks ago and received it on time. The quality is very good, much better than other companies provide. My support agent is a pro, fast and simple explanations. Thanks!
I am firmly convinced that you will never disappoint me because you haven’t done it before. Amazing approaches and solutions at perfect prices! Please continue working the way you do!
I’ve been using WritePaperFor.me for about five months, and I have nothing to complain about. Excellent quality, perfect grammar, delivery on time, nice support team, pleasant prices, amazing results.
This service helped me focus on my job, and I will never forget the support I received. I’ve got a promotion in the end! Thanks a lot for everything you do for people like me!
I have to admit that searching for a reliable and professional service was a tough quest. Nevertheless, I am happy that I managed to find writepaperforme! Everything is much better than I expected!
The best bargain is just a few clicks away!
Get an original paper that doesn’t cost a fortune!
- 450 orders completed daily
- 86 disciplines of expertise
- 820+ professionals on our team
- 4.88/5 is the average order rating
Still have questions?
Contact our support agents and let them help you!
Is it time to write a paper for you? Contact us and relish the highest academic performance!
Our professionals will do their best!
You’ll write my paper for me, won’t you? We certainly will!
So tired of writing papers that you’re starting to think of your professor’s demise? Relax, we’re only joking! However, even a joke is woven with the thread of truth, and the truth is that endless assignments are constantly nagging at you and keeping you up all night long.
‘Writing my papers is unbearable!’ you may think But you’re not alone… What if we told you that we know a magical place where professionals can write your essays so perfectly that even professors’ most sophisticated requirements will be met? You’ve probably already guessed that we’re talking about WritePaperFor.me — the most delightful, facilitating, and destressing custom paper-writing service!
We are not going to be shy about our wish to see you as our steady customer. As a result, we aren’t twiddling our thumbs but permanently improving our services; we carefully select writers who always bone up on their subjects and disciplines, and we won’t rest unless you’ve gotten your ideal paper(s). All your wishes become our unshakable rules!
Why would I ask you to write paper for me?
Despite the obvious and even natural resistance to the idea of paper writing in principle that may occur with any student, you may also ask yourself, ‘Why would I need you to help me write my paper?’ The answer to this question lies in the spectrum of your routine actions. It’s not surprising that studying becomes part of our lives, but sometimes we’ve just got too much going on!
When you write an essay or academic paper, you just do one of the numerous things you face daily or weekly. This part of your life consumes lots of energy and time, so how can you possibly get around to doing other things like having fun, working, playing sports, helping relatives, and spending time with friends?
People are social creatures, and it’s only natural of us to request help from experts.. That’s why we ask doctors, electricians, or plumbers to help us! They’re all specialists. Who writes essays for you better than you do? Right, people who write numerous essays every day. We are experts in academic writing, aimed at satisfying all your needs related to education.
You just hire a professional to get a paper written, like you normally do in other situations. Our team of writers know everything about writing your paper and can cope with assignments of any complexity and academic level. Well-researched and expertly-written papers are what we do for our customers, and we always do our work professionally so that you could kick back and enjoy your life to the fullest.
The undeniable benefits of our custom paper-writing service
Apart from a paper written in accordance with the highest standards, we provide a wide range of contributory advantages to make your life easier. Let’s take a closer look at them.
Round-the-Clock Support. Our paper-writing service works day and night to help you with all current issues. Our friendly support team is available whenever you need them, even if it’s the middle of the night. They will gladly guide you and answer all your questions on how to order customized papers or consult you about the matters at hand. Feel free to share your questions or concerns with them and get comprehensible answers.
High-Class Quality. ‘Will you write a paper for me that meets all requirements?’ This question is frequently asked by many students, and we always answer in the affirmative. Our main goal is to deliver a perfectly written paper the meets the highest possible writing standards. We don’t rest unless you are satisfied with our work. If you hire a paper writer online, we guarantee you that you get 100% original and plagiarism-free assignments of high quality.
Complete Anonymity. We value your privacy and use modern encryption systems to protect you online. We don’t collect any personal or payment details and provide all our customers with 100% anonymity. ‘Can you write a paper for me and let me stay anonymous?’ Of course, we can! We are here to help you, not to cause problems.
Fast Delivery. We completely understand how strict deadlines may be when it comes to writing your paper. Even if your paper is due tomorrow morning, you can always rely on us. Our writers meet all set deadlines unequivocally. This rule is ironclad! The offered range is wide and starts from 6 hours to 2 weeks. Which one to choose is totally up to you. On our part, we guarantee that our writers will deliver your order on time.
Free Revisions. Our mission is to hone your paper to perfection. That’s why we offer you free revisions to make everything ideal and according to your needs. Feel free to ask for revisions if there is something you would like to be changed. That’s how our paper writing service works.
Money-Back Guarantee. You can get up to a 100% refund if you are dissatisfied with our work. Nevertheless, we are completely sure of our writers’ professionalism and credibility that offer you hard-core loyalty to our guarantees.
Comprehensible Explanations. ‘Can someone write my paper for me and provide clarifications?’ This question arises from time to time. Naturally, we want you to be totally prepared for the upcoming battle with your professor. If you need to fill the gaps in your knowledge, you can always ask for clarifications related to your paper. Moreover, when you order ‘write my paper for me’ service, you can always turn to our support agents for assistance. They will be glad to provide you with the necessary information and comprehensible explanations.
Fast and Customer-Focused Solutions. ‘Is it possible to do my paper for me so that I don’t worry about it at all?’ It certainly is! We offer all-encompassing solutions to all your academic problems by defining issues, determining their causes, selecting proper alternatives, and ultimately solving them. You are free to do your favorite activities while we are taking care of ongoing matters. You can always rely on us when it comes to essay-writing online and taking an individual approach to every case.
Who will write my paper when I order it?
Another crucial advantage of our service is our writers. You may have asked yourself, ‘I’d like to pay someone to write a paper for me, but who exactly will that person be?’ Once you order a paper, our managers will choose the best writer based on your requirements. You’ll get a writer who is a true expert in the relevant subject, and a perfect fit is certain to be found due to our thorough procedure of selecting.
Every applicant passes a complex procedure of tests to become one of our permanent writers. First of all, they should provide their credentials. We need to make sure that any prospective writers we hire have the proper experience.. The next step resides in passing a series of tests related to grammar, in addition to subject and/or discipline. Every paper-writer must pass them to prove their competency and their selected field of expertise.
One more step includes writing a sample to prove the ability to research and write consistently. Moreover, we always set our heart on hiring only devoted writers. When you ask us to write your essay or other academic works, you can be sure that they always do their best to provide you with well-structured and properly-written papers of high quality.
The final chord is related to special aspects of academic paper-writing. It means that every writer is prepared to cite properly, use different styles, and so on, so you don’t have to be worried about formatting at all.
‘So, can they write an ideal paper for me?’ We answer in the affirmative because we select only the best writers for our customers. Approximately 11% of all applicants can pass the whole set of tests and are ready to help you. All writers are fully compensated for their work and are highly motivated to provide you with the best results.
We are online 24/7 so that you could monitor the process of paper-writing and contact us whenever necessary. Don’t forget that your satisfaction is our priority. Our writers fully focus on your order when it comes to the ‘write my paper’ procedure. Our managers will immediately send all the information to your writer if any corrections are required.
It’s time to write my paper! What should I do?
‘I am ready to pay to have a paper written! Where do I start?’ Our team hears these words every day. We really believe that every student should be happy. That’s why we offer you to look at the simple steps to make the process even more convenient.
- Fill in the comprehensible order form located on the main page of our website. If you need some help with it, feel free to contact our support team.
- Provide the necessary details, such as the topic, subject or discipline, paper format, your academic level, etc.
- Select the deadline, and we will strictly follow it.
- Pay the total price. Submit a preferred payment method. The full sum will be deposited into your account on our website. The money will be transferred to your writer in case you approve the paper.
- If you have additional materials provided by your professor or may simply assist in writing your paper, please attach them too. They will help the assigned writer meet your professor’s expectations.
Every paper we can write for you is expertly-researched, well-structured, and consistent. Take a look at some types of papers we can help you with:
- Dissertations
- Research papers
- Case studies
- Term papers
- Business plans, etc.
Questions like ‘I would like you to write a paper for me without destroying my reputation. Can you promise to do so?’ or ‘Can you write my paper for me cheap and fast?’ often arise, and we take pride that these options are included in the list. Your safety and anonymity are parts of our common priority, which is to make you fully satisfied with all offered services.
Moreover, our pricing policy is flexible and allows you to select the options that totally suit your needs at affordable prices. You will be pleased with the results and the amount of money spent on your order. Our managers and writers will do the rest according to the highest standards.
Don’t hesitate and hire a writer to work on your paper now!
We believe that students know what is best for them, and if you suppose that it is time to ‘write my paper right now,’ we will help you handle it. ‘Will you do my paper without any hesitation?’ Of course, we will. Our service has all the necessary prerequisites to complete assignments regardless of their difficulty, academic level, or the number of pages. We choose a writer who has vast experience and a breadth of knowledge related to your topic.
Our ‘write my paper for me’ service offers a wide range of extra features to make the ordering process even more pleasant and convenient. Unlike lots of other services, we provide formatting, bibliography, amendments, and a title page for free.
‘When you write my paper for me? Can I monitor the process?’ Naturally, you can. We understand that you may want to ensure that everything is going well. Furthermore, there may be situations when some corrections are needed. We believe that a tool like this can come in handy. The assigned writer will strictly follow your and your professor’s requirements to make sure that your paper is perfect.
‘Is it possible to write my essay from scratch?’ We don’t do just proofreading or editing. Our goal is to fully carry your burden of writing. When this or similar questions appear, we always assure our customers that our writers can do whatever they need. Apart from writing from scratch or editing and proofreading, our experts can effortlessly cope with problem-solving of all kinds;even sophisticated software assignments!
Our ‘write my paper for me’ service is good for everyone who wants to delegate paper-writing to professionals and save precious time that can be spent differently and in a more practical way. We want you to be happy by offering the great opportunity to forget about endless and boring assignments once and forever. You won’t miss anything if your papers become the concern of our professional writers.
Don’t waste your precious time browsing other services. We provide you with everything you need while you are enjoying yourself by doing things you really enjoy. ‘Write my paper then! Do my paper for me right now!’ If you are ready to exclaim these words with delight, we welcome you to our haven, a place where students spend their time serenely and never worry about papers! It’s your turn to have fun, whereas our mission is to provide you with the best papers delivered on time!
Questions our customers ask
Can someone write my paper for me.
Yes, we can. We have writers ready to cope with papers of any complexity. Just contact our specialists and let us help you.
Who can I pay to write a paper for me?
We will help you select a writer according to your needs. As soon as you hire our specialist, you’ll see a significant improvement in your grades.
Can I pay someone to write a paper for me?
Yes, you can. We have lots of professionals to choose from. We employ only well-qualified experts with vast experience in academic paper writing.
What website will write a paper for me?
WritePaperFor.me is the website you need. We offer a wide range of services to cover all your needs. Just place an order and provide instructions, and we will write a perfect paper for you.
Is it safe to use your paper writing service?
Our service is completely safe and anonymous. We don’t keep your personal and payment details and use the latest encryption systems to protect you.
What are you waiting for?
You are a couple of clicks away from tranquility at an affordable price!
- Will you write my paper for me? - Yes, we will.
What we offer:, let’s write a paper for you in no time, follow these 4 simple steps and solve you problem at once.
Provide details such as your topic, the number of pages, and extra requirements, and we’ll do a paper for you in no time!
Log in to your personal account to know the current status of your paper(s). You can also turn to our support team for the same purpose. Enjoy your life while we're working on your order.
As soon as we write the paper(s) for you, check it for correctness, and if everything is good to go, just download it and enjoy the results.
Our customers’ feedback
Still hesitant just look: others have already used our services and were pleased with the results.
Thank you guys for the amazing work! I got an A, and my professor was impressed. You have done the impossible, and I will never forget your help! The best service ever!
I ordered my paper two weeks ago and received it on time. The quality is very good, much better than other companies provide. My support agent is a pro, fast and simple explanations. Thanks!
I am firmly convinced that you will never disappoint me because you haven’t done it before. Amazing approaches and solutions at perfect prices! Please continue working the way you do!
I’ve been using WritePaperFor.me for about five months, and I have nothing to complain about. Excellent quality, perfect grammar, delivery on time, nice support team, pleasant prices, amazing results.
This service helped me focus on my job, and I will never forget the support I received. I’ve got a promotion in the end! Thanks a lot for everything you do for people like me!
I have to admit that searching for a reliable and professional service was a tough quest. Nevertheless, I am happy that I managed to find writepaperforme! Everything is much better than I expected!
The best bargain is just a few clicks away!
Get an original paper that doesn’t cost a fortune!
- 450 orders completed daily
- 86 disciplines of expertise
- 820+ professionals on our team
- 4.88/5 is the average order rating
Still have questions?
Contact our support agents and let them help you!
Is it time to write a paper for you? Contact us and relish the highest academic performance!
Our professionals will do their best!
You’ll write my paper for me, won’t you? We certainly will!
So tired of writing papers that you’re starting to think of your professor’s demise? Relax, we’re only joking! However, even a joke is woven with the thread of truth, and the truth is that endless assignments are constantly nagging at you and keeping you up all night long.
‘Writing my papers is unbearable!’ you may think But you’re not alone… What if we told you that we know a magical place where professionals can write your essays so perfectly that even professors’ most sophisticated requirements will be met? You’ve probably already guessed that we’re talking about WritePaperFor.me — the most delightful, facilitating, and destressing custom paper-writing service!
We are not going to be shy about our wish to see you as our steady customer. As a result, we aren’t twiddling our thumbs but permanently improving our services; we carefully select writers who always bone up on their subjects and disciplines, and we won’t rest unless you’ve gotten your ideal paper(s). All your wishes become our unshakable rules!
Why would I ask you to write paper for me?
Despite the obvious and even natural resistance to the idea of paper writing in principle that may occur with any student, you may also ask yourself, ‘Why would I need you to help me write my paper?’ The answer to this question lies in the spectrum of your routine actions. It’s not surprising that studying becomes part of our lives, but sometimes we’ve just got too much going on!
When you write an essay or academic paper, you just do one of the numerous things you face daily or weekly. This part of your life consumes lots of energy and time, so how can you possibly get around to doing other things like having fun, working, playing sports, helping relatives, and spending time with friends?
People are social creatures, and it’s only natural of us to request help from experts.. That’s why we ask doctors, electricians, or plumbers to help us! They’re all specialists. Who writes essays for you better than you do? Right, people who write numerous essays every day. We are experts in academic writing, aimed at satisfying all your needs related to education.
You just hire a professional to get a paper written, like you normally do in other situations. Our team of writers know everything about writing your paper and can cope with assignments of any complexity and academic level. Well-researched and expertly-written papers are what we do for our customers, and we always do our work professionally so that you could kick back and enjoy your life to the fullest.
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Cogent Economics & Finance
Open access
Factors affecting bank customers usage of electronic banking in Ethiopia: Application of structural equation modeling (SEM)
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- https://doi.org/10.1080/23322039.2020.1762285
1. Introduction
2. research methodology, 3. data analysis and findings, 4. results and discussions of findings, 5. conclusion and recommendation, 6. limitations and directions for future study, additional information, financial economics.
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Electronic banking services have not been widely used by most bank customers in Ethiopia; most bank customers continue to conduct most of their banking transactions using traditional methods. Therefore, the main objective of this study is to identify factors that affect customers’ usage of electronic banking services. The type of research applied in this study is explanatory in nature. A research model was developed by integrating the constructs of Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB). A total of 420 actual users of e-banking services were used as a sample. A well-structured questionnaire was used to collect the relevant information. The data analyzed using Structural Equation Modeling revealed that perceived usefulness, perceived ease of use, attitude towards e-banking, perceived behavioral control, subjective norms, behavioral intention, awareness as well as the availability of internet/network connection have a significant positive impact on users e-banking usage practice. However, perceived risk has a significant negative impact. These findings suggest that banks in Ethiopia should create awareness to their customers with regard to the usage and benefits of e-banking service delivery channels.
- technology acceptance model (TAM)
- theory of planned behavior (TPB) and structural equation modeling (SEM)
E-banking can be simply defined to mean a process where banks create a platform for its customers to generally access information and to transact businesses electronically through an electronic device without necessarily being present at the bank (Annin et al., Citation 2013 ). Electronic banking enhances the development of the financial system in general and the banking industry in particular, and it is considered as a strategic weapon for banks to cop up with today’s stiff competition (Al-Smadi, Citation 2012 ). Although it provides various benefits for both banks and customers, low level of customers’ adoption of electronic banking services is noted in Ethiopia (Garedachew, Citation 2010 ). However, electronic banking services cannot achieve expected benefits if it is not adopted or used by banking customers (Venkatesh et al., Citation 2003 ). According to Rogers and Shoemaker ( Citation 1971 ) and in view of this study, adoption is defined as the acceptance and continued use of a product, service or idea (like e-banking for the current study). As investigated by previous technology acceptance studies, there are many factors that have been suggested and to influence individuals to accept a new technology. For example, studies conducted by Al-Smadi ( Citation 2012 ), Baraghani ( Citation 2008 ), and Yitbarek and Zeleke ( Citation 2013 ) concerning the factors that affect the adoption of e-banking among bank customers by integrating TAM and TPB revealed that perceived usefulness, perceived ease of use, subjective norms, perceived behavioral control and attitude have a positive and significant impact on customers’ behavioral intention and thereby on their actual e-banking usage or adoption behavior. Kamel and Hassen ( Citation 2003 ) stated that perceived risk is among the factors that negatively affect consumers’ intention and their e-banking service usage behavior. With regard to the different factors, most of the scholars include in their study limited variables. For example, some researchers conduct their study only by using Technology Acceptance Model (Mir et al., Citation 2013 ; Davis, Citation 1989 ; Akinyemi et al., Citation 2013 ; Jahangir & Begum, Citation 2008 ) and theory of planned behavior (Yaghoubi & Bahmani, Citation 2011 ; Gholami et al., Citation 2010 ;Tan et al., Citation 2010 ) constructs separately and few studies conducted by integrating Technology Acceptance Model and Theory of Planned Behavior (Al-Smadi, Citation 2012 ; Yaghoubi & Bahmani, Citation 2010 ) but although information technology is changing drastically the way in which people live and particularly banks offer their products and services in most developed countries, studies conducted in Ethiopia to identify factors that affect users’ adoption of new technology (e-banking) are remaining scarce. Therefore, the main objective of this study is to identify the factors that affect the usage of electronic banking services among the banking customers (only users’) in Ethiopia. This would deepen the knowledge of the factors which influence either positively or negatively the customers’ attempt to use electronic banking services. In order to achieve this main objective a research model was developed from both theoretical and empirical literature search. Accordingly, this study proposes a comprehensive research or conceptual model that integrates the constructs derived from the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) together with perceived risk, availability and quality of internet/network connection and awareness. This integration is credible fill limitation of previous empirical studies and so that to increase the body of knowledge in this area and to apply structural equation modeling (SEM) method of analysis.
In order to develop a comprehensive research conceptual model that can be able to fill the previous studies limitation or gap various theoretical and empirical studies related to technology acceptance in electronic banking context were reviewed. Based on these reviews, the most appropriate theory and significant factors that influence usage of e-banking from bank customers’ viewpoint were determined and a model of the factors inducing customers’ usage of electronic banking service is developed which is as shown below in Figure 1 . Recently, a growing body of research has focused on integrating Technology Acceptance Model (TAM) developed by Davis ( Citation 1989 ) and Theory of Planned Behavior (TPB) developed by Ajzen ( Citation 1991 ) to examine IT usage and e-service acceptance because the two models are complementary (Sanayei & Bahmani, Citation 2012 ; Lee, Citation 2008 ; Al-Smadi, Citation 2012 ). Taylor and Todd ( Citation 1995 ) also argued that despite TAM and TPB have been widely used to examine information system applications, neither one of them have been found to provide consistently superior explanation or behavior prediction. In line with this Al-Smadi ( Citation 2012 ) suggested that an integrated model may provide more explanatory power than the individual use of TAM and TPB. Even the integrated model itself may not sufficient to get more predictive power because Aboelmaged and Gebba ( Citation 2013 ) on their study suggested that the integrated model of TAM and TPB constructs have low predictive power with regard to users’ adoption of new technology and hence they recommend that future researchers should include more variables beyond TAM and TPB when predicting e-banking adoption. Therefore, in this research model constructs derived from TAM and TPB models as well as other important factors resulting from the existing literature review were included. Accordingly, based on the above justification, the researcher has developed an extension of the Technology Acceptance Model and Theory of Planned Behavior integrated model by incorporating additional constructs such as awareness, perceived risk and availability and quality of internet/network connection from the extant literature review.
Published online:
Figure 1. Conceptual framework (own development).
1.1. Description of variables and hypotheses formulation
1.1.1. perceived usefulness (pu).
H1a :Perceived usefulness has positive effect on customers’ attitude towards the usage of e-banking services.
H1b :Perceived usefulness has positive effect on customers’ intention to use e-banking services.
H1c :Perceived usefulness mediates the positive effect of perceived ease of use on attitude towards e-banking usage.
1.1.2. Perceived ease of use (PEU)
H2a :Perceived ease of use has positive effect on customers’ attitude to use e-banking services.
H2b :Perceived ease of use has positive effect on customers’ perceived usefulness of e-banking usage.
1.1.3. Subjective norm
H3 :Subjective norm has positive effect on customers’ intention to use e-banking services.
1.1.4. Perceived behavioral control
H4a :Perceived behavioral control has positive effect on customers’ intention to use e-banking services.
H4b :Perceived behavioral control has positive effect on customers’ e-banking usage behavior.
1.1.5. Perceived risk
H5a :Perceived risk has negative effect on customers’ behavioral intention to use e-banking services.
H5b :Perceived risk has negative effect on customers’ e-banking usage behavioral.
1.1.6. Attitude (ATT)
H6a :Attitude has positive direct effect on customers’ intention to use e-banking.
H6b :Attitude mediates the positive effect of perceived usefulness on intention to use e-banking services
H6c :Attitude mediates the positive effect of perceived ease of use on intention to use e-banking services
1.1.7. Awareness
H7a :Awareness has positive effect on customer’s e-banking usage behavior.
1.1.8. Availability and quality of internet and network connection
Availability and quality of internet connection is a prerequisite for the adoption of e-banking services. Several prior studies were confirmed the impact of the availability and quality of internet and network connection on e-banking usage (Amini et al., Citation 2011 ; Pikkarainen et al., Citation 2004 ; Al- Somali et al., Citation 2011 ) and in this study, it is hypothesized that:
H8a :Availability and Quality of internet connection has a significant effect on customers’ e-banking usage behavior.
1.1.9. Behavioral intention
H9a : Intention has positive direct effect on customers’ actual usage behavior.
H9b : Intention mediates the relationship between attitude toward the behavior and usage behavior
H9c : Intention mediates the relationship between subjective norm and usage behavior
H9d : Intention mediates the relationship between perceived behavior control and usage behavior
H9e : Intention mediates the relationship between perceived usefulness and usage behavior
H9f : Intention mediates the relationship between perceived risk and usage behavior
2.1. Population and sampling
The sampling population was defined as customers’ of Ethiopian commercial banks who are using at least one form of e-banking channels. Both private and public commercial bank customers located in Addis Ababa, Ethiopia were included as a target population. The research was carried out in Addis Ababa as a representative geographical area of the population of Ethiopia. Purposive sampling technique was used to select the target population for this study (i.e., only the customers of those banks that are providing e-banking services by using at least two forms of e-banking channels as well as those banks who started offering the service before a year were included in the sample). When this research was conducted, there are 16 commercial banks in Ethiopia. However, based on the above criteria samples were taken from seven banks such as commercial bank of Ethiopia, Dashen Bank S.C, Wogagen bank S.C, United Bank S.C, Abyssinia Bank S.C, Abay Bank S.C and Zemen Bank S.C. Of which one is government bank (commercial bank of Ethiopia) and the remaining six are private banks. Then, random sampling was used to select sample respondents. The necessary sample size was estimated based on the number of independent variables. Based on the recommendations of Joseph et al. ( Citation 2010 ), the sample size should be 15–20 observations per variable for generalization purposes. Krejcie and Morgan ( Citation 1970 ) also recommended that for a population having more than 1,000,000 target groups a sample size of 384 is acceptable. Hence, based on these justifications, and by giving allowance for errors and non-response rates, a total of 600 (40 variables*15 observation for each variable) respondents were considered as the acceptable sample size for the current study. However, among these much of questionnaires distributed only 495 were returned which gives a response rate of 82.5% but after removing those incomplete questionnaires, the actual sample size used for analysis in this study were 420 respondents (70%).
2.2. Measurement development
This explanatory or casual study used the survey method to collect the required cross-sectional primary data. A self-administered questionnaire was developed based on preliminary semi- structured interview with selected bank employees and extensive literature review to identify the factors that affect bank customers’ usage of e-banking services. All items incorporated in the research questionnaire were measured using a five-point Likert scales, ranging from strongly disagree (1) to strongly agree (5). To ensure content validity, the constructs in the research model were operationalized through items validated in prior research studies with significant modifications (Baraghani, Citation 2008 ; Elgahwash, Citation 2013 ; Venkatesh et al., Citation 2003 ; Talukder et al., Citation 2014 ; Davis, Citation 1989 ; Al- Somali et al., Citation 2011 ; Olatokun & Owoeye, Citation 2012 ; Al-Smadi, Citation 2012 ; Al- Somali et al., Citation 2011 ; Pikkarainen et al., Citation 2004 ; Tan et al., Citation 2012 ). In addition, structured interview was conducted with e-banking department heads or managers of each respective banks in order to collect qualitative data that can able to substantiate the data collected using a structured questionnaire. Secondary data obtained from related-published journals, online articles, books and international conference papers were also used.
2.3. Method of data analysis
Once the data is collected, coded, entered and cleaned; it goes through both descriptive and quantitative data analysis techniques. Descriptive techniques involved the use of descriptive statistics whereas quantitative techniques involved two steps. In the first step the reliability and validity of variables in the research model were assessed using Confirmatory Factor Analysis (CFA) or measurement model. To check reliability Cronbach’s alpha and construct reliability tests were used. The rule of thumb for either reliability test (Cronbach’s alpha or construct reliability) estimate is that 0.7 or higher suggests good reliability. Reliability between 0.6 and 0.7 may be acceptable provided that other indicators of a model’s construct validity are good. The presence of high construct reliability indicates that internal consistency exists, meaning that all the measurement items are consistently representing the same latent construct (Joseph et al., Citation 2010 ). The convergent validity of the measures were tested using factor loadings, Average variance extracted (AVE) and construct reliability and at a minimum all factor loadings and AVE values should be statistically significant and a good rule of thumb is that standardized factor loadings and AVE estimates should be 0.5 or higher (Joseph et al., Citation 2010 ) whereas its discriminant validity was assessed by comparing the AVE values for any two constructs with the square of correlation estimate between these two constructs and then, to ensure discriminant validity, the average variance extracted estimates should be greater than the squared correlation estimate (Joseph et al., Citation 2010 ). Then, based on the results in step one, the data were analyzed in step two by applying Structural Equation Modeling (SEM) using Maximum Likelihood Estimation. These entire tests were performed with SPSS plus AMOS version 21 and Excel is used to calculate AVE and Construct Reliability (CR). The goodness of fit assumptions of using SEM was met. In order to evaluate the fitness of the measurement and the structural model; Chi-Square and its associated degrees of freedom, RMSEA, Normed Chi-Square as well as TLI and CFI were used as GOF criteria because in line with this Tabachnick and Fidell ( Citation 2007 ) and Joseph et al. ( Citation 2010 ) suggested that in order to evaluate the acceptability of the model, the researcher should report one absolute fit index (RMSEA or SRMR), one incremental fit index (CFI or TLI), one goodness of fit index (CFI or TLI) and one badness of fit index (RMSEA or SRMR) together with Chi-Square and its associated degrees of freedom.
3.1. Demographic profile of respondents
The table 1 shows the demographic profile of respondents. Accordingly, it indicated that more than half of the respondents are males (243, 57.9%). This implies that males have better e-banking usage experience as compared to females. In line with this finding, a study conducted by Alagheband ( Citation 2006 ) to identify factors affecting the adoption of e-banking services indicated that men represent the segment with the highest usage of e-banking (Milion, Citation 2013 : Abrehe, Citation 2015 and Muzividzi et al., Citation 2013 ).
With regard to age category, majority of the respondents are young with the age category of 18–32 (75.7%). This suggests that majority of the e-banking users are young or in other words young customers have better e-banking usage practice as compared to old customers. Consistent with this, a study conducted by Abenet ( Citation 2010 ) concerning the determinants of e-banking (like internet banking) adoption in Ethiopia revealed that the young age group is more computer literate and finds it easy to accept and use new technologies. Poon ( Citation 2008 ) and Azouzi (2009) on their study also supports that young and computer literate respondents are using or are willing to use electronic banking. Related to educational level, majority of the respondents are first degree and above holders (328, 78.1%). This also suggests that educated peoples having a first degree and above educational level have better e-banking usage experience as compared to those who have below first degree educational qualification which suggests that educational level is a factor for e-banking adoption. In line with this, Edwin et al. ( Citation 2014 ) on their study found that consumers’ level of education and information communication technology knowledge impacts their acceptance of e-banking services (Tater et al., Citation 2011 and Abrehe, 2015). In relation to marital status more than half of the respondents are single or not married (238, 56.7%). This implies that not married or single customers have better e-banking usage practice as compared to married and divorced counter parts which is in line with Izogo et al. ( Citation 2012 ) in Nigeria and Abrehe (2015) in Ethiopia.
The tables also indicate the average monthly income category of respondents and it revealed that most of them have an average monthly net income of between 4000 and 6000 (44%) Ethiopian birr. This implies that majority of the e-banking users are those who have better average monthly net income. In line with this Ismail and Osman ( Citation 2012 ) on their study investigated that e-banking usage is associated with clients’ income. High-income clients and those who are computer and internet literate are more likely to use e-banking services (Poon, 2008 and Annin et al., Citation 2013 ).
Finally, the table shows the occupational status of respondents and it revealed that more number of respondents (185, 44%) were government employees which indicate that government employees have better e-banking usage practice as compared to others. Similarly, Alagheband (2006) and Milion (2013) also found that higher users’ of e-banking (like credit card) have been evident for government employees rather than other types of employments.
Figure 2. Confirmatory factor analysis (CFA) measurement model.
Table 1. Demographic profile of respondents
The measure of goodness of fit result of the measurement model (Figure 2 ) is presented above in table 3 and it indicated that except for chi-square the remaining GOF measure indices are within the range of the recommended benchmark fit index value (Joseph et al., Citation 2010 ). In addition, the multicollinearity test result attached in the appendix part (Table A2) indicated that the maximum correlation between constructs is 0.542 which implies that there is no multicollinearity problem among the variables because Joseph et al. ( Citation 2010 ) and Tabachnick and Fidell ( Citation 2007 ) suggested that variables having a correlation coefficient of 0.9 and above are subjected to multicollinearity problem.
3.2. Assessing the validity of the measurement model
The construct validity of the measurement model is assessed and discussed in terms of its convergent and discriminant validity. The existence of convergent validity is checked by using standardized factor loadings, Average Variance Extracted (AVE) and reliability test through Cronbach’s alpha and construct reliability test (CR) (Joseph et al., Citation 2010 ). The result of all these tests as presented below in the appendix section (Table A1) indicated that all the construct reliability and Cronbach’s alpha test results are above the minimum threshold cut of value of 0.7 and above (Joseph et al., Citation 2010 ). Their factor loadings result is also statistically significant and above the cut of value of 0.5 or higher. The high loadings suggest that the indicators converge on a common point and the indicators are strongly related to their associated constructs. However, those items having factor loading results below the minimum cut of value of 0.5 are deleted as suggested by Joseph et al. ( Citation 2010 ) and Tabachnick and Fidell ( Citation 2007 ). With regard to the variance extracted in each construct except perceived usefulness all the remaining constructs have average variance extracted of above the minimum cut of value of 0.5 as recommended by Joseph et al. ( Citation 2010 ). However, given other convergent validity tests above the cut of value, the average variance extracted value of 0.423 for perceived usefulness has no significant impact on further analysis. Therefore, all these tests imply that the measurement model has satisfied the requirement of convergent validity.
The discriminant validity of the constructs which shows the extent to which a construct is truly distinct from other constructs is tested and presented under the appendix section (Table A3). As stated in the research methodology part, the existence of discriminant validity among the construct is evaluated by comparing the average variance extracted of two constructs with their respective squared correlation estimate and the average variance extracted value should be greater than their squared correlation result for a truly distinct construct (Joseph et al., Citation 2010 ). Accordingly, all the average variance extracted (AVE) values of two constructs are greater than their respective squared correlation result. In other words, all the constructs in the measurement model are statistically different from each other which supports the existence of good discriminant validity power of the constructs included in the model. All this results implies that the measurement model is valid and can proceed to further structural model testing.
The simplest diagnostic test used to check normality is a visual check of normal probability plot . The normal distribution forms a straight diagonal line and to check whether the data is normal or not the plotted data values are compared with the diagonal. If a distribution is normal, the actual data distribution line closely follows the diagonal line (Tabachnick & Fidell, Citation 2007 ; Joseph et al., Citation 2010 ). In line with this, in this study, normal probability test and histogram was used to assess the normality of the data (attached under the appendix part) and the result indicated that there is no significant departure from normality, however, slight departure is expected in social science researches (Pallant, Citation 2011 ).
3.3. Specifying the structural model
Figure 3. Structural model.
3.4. Assessing the validity of the structural model
The validity of the re-specified model is also assessed based on the goodness of measure indices and its corresponding structural path coefficients. Accordingly, the goodness of fit indices and the result of the structural relationship (Figure 3 ) between the exogenous and endogenous latent constructs as discussed above are presented below.
As shown above (Table 4 ), except for chi-square which indicates significance p-value, all the goodness of fit measure fit indices are above their respective minimum cut of value (Joseph et al., Citation 2010 ). In principle, the chi-square statistics value as a fundamental measure of differences between the observed and estimated covariance matrices (goodness of fit measure) should be insignificant which shows the absence of significance difference between the observed and estimated covariance. On the other hand, a p-value of below 0.05 indicates that the two covariance matrices are statistically different and shows problems with model fitness (Joseph et al., Citation 2010 ). However, Hair et al. suggested that the statistical test or resulting p-value is less meaningful as sample sizes become large (greater than 250) or the number of observed variables becomes large (greater than or equal to 30) and in this case the researcher should expect significant p-value result. Similarly, Stevens ( Citation 2009 ) also suggested that the large chi-square values may be due, at least in part, to the large sample size, rather than to any substantial misspecification of the model. Accordingly, in this study having a sample size of 420 and 40 indicators, the presence of significant p-value has no significant impact on the fitness of the model.
The results of the structural model parameter estimates as presented above indicated that all the hypothesized relationships between the exogenous and endogenous latent constructs are supported which shows the validity of the structural model as well as it provides support for the hypothesis regarding the directional linkage among the variables included in the research model because in line with this finding Joseph et al. ( Citation 2010 ) suggested that a theoretical model is considered valid to the extent that the parameter estimates are statistically significant and in the predicted direction. Except for perceived risk which has a negative significant effect on behavioral intention and actual usage behavior, all the other exogenous constructs have a positive significant effect on their respective endogenous constructs.
In order to investigate the effect of different factors included in the research model on customer’s e-banking usage behavior, the research model was tested with the application of Structural Equation Modeling (SEM). In general, as recommended by Joseph et al. ( Citation 2010 ) in SEM, a two-step approaches than a single-step approach was used. Firstly, the measurement model was evaluated using CFA to ensure that the items used to measure each of the constructs are adequate as well as to check the validity and reliability of the indicators. The second step involves the assessment of the structural model which shows the relationships between the constructs. In the following section, the structural path estimate results of the re-specified structural model are discussed below with respect to each construct incorporated in the research model.
4.1. Perceived ease of use and perceived usefulness
The effect of perceived ease of use on perceived usefulness and individual’s attitude towards e-banking service delivery channels was tested and the result indicated that perceived ease of use has a positive significant direct effect. This implies that the usefulness perception of e-banking users is highly and significantly influenced by their perception towards the easiness or user-friendly of the technology. Further, it implies that other things being equal, the easier a certain technology (i.e., e-banking) can be learned or used, the more useful it will be perceived by users’. This result is supported by the Technology Acceptance Model (TAM) developed by Davis ( Citation 1989 ) because this theory of technology acceptance stated that perceived ease of use and perceived usefulness directly and positively affect the attitudes towards the acceptance of a given information system. In addition to its impact on attitude and behavioral intention, perceived ease of use has also a positive effect on perceived usefulness. Similarly, Baraghani ( Citation 2008 ) on his empirical study found that perceived usefulness is predicted by perceived ease of use and his finding imply that consumers use e-banking for the benefits and also due to its easiness to use it. However, contrary to this finding, Yitbarek and Zeleke ( Citation 2013 ) found that perceived usefulness is not predicted by perceived ease of use.
The effect of perceived ease of use on user’s attitude towards e-banking is also significant and it implies that the higher perceived ease of utilizing a particular e-banking service delivery channels makes it more likely that the individual will have a positive feeling toward using it. In line with the finding of this study, Yaghoubi and Bahmani ( Citation 2010 ) on their empirical study and Davis ( Citation 1989 ) on his technology acceptance theory indicated that perceived ease of use does not have a direct impact on intention to use, although it affects the attitude and perceived usefulness, which in turn leads to greater acceptance of online banking. This implies that difficulty in using online systems is becoming less of a concern as they are increasingly user-friendly.
The construct perceived usefulness has a direct positive and significant effect on user’s attitude towards e-banking and on their behavioral intention to use e-banking services which is in line with the technology acceptance model developed by Davis ( Citation 1989 ). This implies that customer’s attitude towards e-banking services as well as their behavioral intention to use e-banking services are highly and directly influenced by their perception towards the usefulness of the technology. Again the implication is that the more the technology is useful (perceived as time-saving, convenient and help to manage banking transactions effectively); the better becomes their attitude and behavioral intention to adopt the technology (e-banking). As indicated by its higher beta coefficient in the table above, the effect of perceived usefulness on users attitude towards e-banking is more than that of perceived ease of use. Therefore, it implies that perceived usefulness appears to be the more important direct predictor of users’ attitude towards e-banking usage. In line with this, Taylor and Todd ( Citation 1995 ) in their study found that perceived usefulness has a significant direct influence on behavioral intention. Similarly, Al-Smadi ( Citation 2012 ) found that perceived usefulness and perceived ease of use has a positive and significant impact on customers’ attitude toward electronic banking services. People shape their attitude positive or negative when they think a particular technology is beneficial and require less effort to deal (Khurshid et al., Citation 2014 ).
4.2. Attitude towards E-banking
Users behavioral intention to use e-banking services is directly, significantly and positively influenced by their attitude towards e-banking which is in line with the theory of planned behavior developed by Ajzen ( Citation 1988 ) and technology acceptance model proposed by Davis ( Citation 1989 ). This finding indicates that the better the customer’s attitude (developing positive feeling) towards e-banking, the more becomes their behavioral intention to use the service. In consistent with this finding, Al-Smadi ( Citation 2012 ), Baraghani ( Citation 2008 ), Yitbarek and Zeleke ( Citation 2013 ), and Poursaleh and Parhizgar ( Citation 2014 ) on their empirical study investigated that attitude has a positive and significant influence on customers’ intention to use electronic banking services. Contrary to this, Taylor and Todd ( Citation 1995 ) in their study found that attitude does not have a significant influence on behavioral intention.
4.3. Perceived behavioral control and subjective norms
The influence of perceived behavioral control on user’s behavioral intention to adopt e-banking as well as on their actual usage behavior was tested and the result reveals that both behavioral intention and actual usage behavior are directly, positively and significantly influenced by users perceived behavioral control. This result is strongly supported by the Theory of Planned Behavior proposed by Ajzen ( Citation 1988 ). This empirical finding implies that the more users have the required knowledge, skill and other resources such as mobile phone and computer, the better becomes their behavioral intention as well as their actual e-banking usage practice and vice versa. This is due to the belief of most users’ that having the skills, resources and knowledge is an important requirement to operate electronic banking services (Al-Smadi, Citation 2012 ). Similarly, the effect of subjective norms or social influence on user’s behavioral intention to adopt e-banking services was tested and the result showed that behavioral intention is directly, positively and significantly influenced by subjective norms (Ajzen, Citation 1988 ). It implies that many users are adopted e-banking due to the existence of social pressure from their friends, families, colleagues and other service user community or it implies that most bank customers associate certain degree of risk with e-banking services as a result their utilization of e-banking services is more influenced by the words of friends and relatives than by the words of bank employees or advertisements since they believe that the former will give them more accurate and trust worthy feedback than the latter (Agarwal, Rastogi and Mehrotra, Citation 2009 ). In consistent with this study finding, a number of researchers also found a similar result. For example, a study conducted by Yaghoubi and Bahmani ( Citation 2011 ) to evaluate the causality of TPB factors on influencing customers’ adoption of e-banking services using structural equation modeling shows that attitude, perceived behavioral control and subjective norm have significant positive effects on behavioral intention to use e-banking.
4.4. Awareness
Table 2. descriptive statistics of variables included in the research model, table 3. goodness of fit measure results of the cfa measurement model, table 4. goodness of fit measure results of the structural model, table 5. summary of direct effect results of the structural model, table a2. correlation matrix among the latent constructs, table a3. correlation squared and average variance extracted matrix (discriminant validity) of the constructs included in the research model, 4.5. availability of quality internet or network connection.
The availability or accessibility of quality internet or network connection has direct positive and significant influence on users’ e-banking actual usage behavior. The implication is that users’ actual e-banking usage practice is highly and significantly influenced by the existence of quality internet or network connection. That means the more the accessibility of internet or network connection, the better becomes their usage behavior and vice versa or in other words, it implies that the existence of fast, accessible and consistent network/internet connection facilitates the rate of e-banking adoption among the banking community. In line with this, Folorunso et al. ( Citation 2010 ) on their study identified that poor internet facility and network as well as the high cost of internet has a significant direct and indirect impact on customers’ usage of card banking. Similarly, a study conducted by Auta ( Citation 2010 ) to identify factors affecting e-banking adoption among bank customers also found that a shortage of telecommunication facilities are among the major factors that influence consumers adoption of e-banking.
4.6. Perceived risk
The impact of perceived risk on users behavioral intention towards e-banking as well as on their actual usage behavior was hypothesized and tested in the structural research model and the findings showed that perceived risk has a direct negative and significant influence on users behavioral intention to adopt e-banking as well as on their actual usage behavior. These findings which is supported by the Theory of Perceived Risk developed by Featherman and Pavlou ( Citation 2002 ) indicated that users’ behavioral intention and their actual usage practice is significantly influenced by their e-banking risk perception which implies that the more customers perceive e-banking as risky, the less becomes their behavioral intention to use as well as their actual usage behavior or it imply that using e-banking as a means of conducting banking transactions is not safe and secured as a result users’ prefer to go to the bank branch to do banking transactions. Further, this finding implies that e-banking users’ are not confident in electronic banking services. Customers are not willing to take any risk, and as a result they want to keep away from risks. This is because electronic banking services are in inherently risky environment due to the absence of personal contact, physical product evaluation, warranties, or contracts and the customers usually have difficulties in asking for compensation when transaction error occurs (Al-Smadi, 201 2 and Pavithran et al., Citation 2014 ).
4.7. Behavioral intention
Finally, the influence of behavioral intention to use e-banking on users’ actual usage behavior was tested and the finding reveals that users’ actual usage behavior is directly and positively influenced by their behavioral intention which is in line with Theory of Reasoned Action (TRA) Proposed by Fishbein & Ajzen (1975), The Theory of Planned Behavior (TPB) proposed by I. Ajzen ( Citation 1988 ), the Decomposed Theory of Planned Behavior (DTPB) proposed by Taylor and Todd ( Citation 1995 ), Technology Acceptance Model (TAM) proposed by Davis ( Citation 1989 ) and Extended Technology Acceptance Model (ETAM) developed by Venkatesh and Davis ( Citation 2000 ). All these technology acceptance theories as well as the findings in this study implies that the better users have positive behavioral intention to continue and increase its usage than branch-based traditional banking, the more become their actual usage practice and vice versa. In line with this finding, Talukder et al. ( Citation 2014 ) on their study investigated that behavioral intention is a direct predictor of usage behavior. Similarly, in addition to behavioral intention, the direct effect of awareness, availability of quality internet/network connection, perceived behavioral control and perceived risk on users’ actual e-banking behavior was tested and as discussed above one by one the result indicated that both these variables have a significant direct effect on consumers actual usage behavior. The effect of availability of internet/network connection on consumers’ actual usage behavior is more than other variables. Therefore, this implies that availability of internet/network connection is the more important predictor of consumers’ actual e-banking usage behavior in Ethiopia. However, due to the individuals’ low level of e-banking usage practice, the relationship between behavioral intention and actual usage practice is less than the relationship between attitude and behavioral intention. This implies that even though the current actual usage behavior of the individuals’ is low due to the above-mentioned factors, their intention to use e-banking services more effectively in the future is high.
Based on the results discussed above it is possible to conclude that perceived behavioral control, behavioral intention, subjective norms, attitude towards use, perceived usefulness, perceived ease of use, availability of internet/network connection and awareness have a significant positive impact on customers usage of e-banking service delivery channels, however, perceived risk has a negative significant impact. Hence, as a researcher it is suggested that the currently available basic infrastructure (ICT) for e-banking diffusion is not sufficient to full fill the requirements of e-banking technology in Ethiopia. Therefore, efforts to improve this basic infrastructure by the government should be strengthened both in terms of coverage and quality. Further, all banks should aggressively create continuous awareness to the society with regard to the usage and benefits (usefulness) of e-banking services by using different media. Finally, in order to reduce customers’ frustration concerning the security of e-banking channels (especially internet and mobile banking), banks in Ethiopia need to develop risk-reducing strategies.
Even though this research is unique with regard to the application of structural equation modeling as well as the usage of the integration of two well-known technology acceptance models (theory of planned behavior and technology acceptance model) and three additional important factors from the view point of Ethiopian banking customers, the major limitations include: Exclusion of the voice of non-users (those who are not using e-banking), as the electronic banking service delivery channels covered in this research, are so broad and not specific to each e-banking channel there is a possibility that the different factors considered influencing e-banking usage behavior as well as the challenges identified may be for a certain part of e-banking channels and not the whole of it. For instance, a user may perceive that internet banking is more risky than ATM. In addition, the results of this study might have been influenced by the early introduction of ATMs in Ethiopian banking sector as compared to other e-banking channels such as mobile and internet banking. Thus, future researchers should consider these limitations as an opportunity and should, therefore, include the views of non-users as well as conducting comparative studies focusing on differences in adoption behavior between the different forms of e-banking service delivery channels (such as ATM, internet banking and mobile banking).
Source: SPSS survey output, 2018/19
Source: Survey, 2018/19
Source: AMOS output, 2018/19
Note 1 : *** denotes for significant at 1% significance level, ** denotes for significant at 5% significance level
Note 1 : Values below the diagonal indicates the correlation matrix between constructs
Note 2 : PU=perceived usefulness, PEU=perceived ease of use, ATU=attitude, AW=awareness, SN=subjective norms, PR=perceived risk, PBC=perceived behavioral control, AQIC=availability of internet/network connection, BI=behavioral intention, AU=actual usage behavior
Note 1 : Values below the diagonal indicates the Average Variance Extracted (AVE) whereas values above the diagonal indicate correlation squared matrix.
Source: SPSS plus AMOS output, 2018/19
Notes on contributors
Beza Muche Teka
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Table A1. Confirmatory factor analysis result of the measurement model
Assessment of Normality
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Home » Blog » Dissertation » Topics » Finance » Banking and Finance » Banking and Finance Dissertation Topics (28 Examples) For Research
Banking and Finance Dissertation Topics (28 Examples) For Research
Mark May 26, 2020 Jun 5, 2020 Banking and Finance , Finance No Comments
Are you searching for banking and finance dissertation topics? We understand that selecting a dissertation topic is one of the biggest challenges. So, we offer a wide range of banking and finance dissertation topics and project topics on banking and finance. You can also visit our site for corporate finance dissertation topics and other business […]
Are you searching for banking and finance dissertation topics? We understand that selecting a dissertation topic is one of the biggest challenges. So, we offer a wide range of project topics on banking and finance.
Our team of writers can provide quality work on your selected banking and finance research topics. Once you select from the research topics on banking and finance, we will provide an outline, which can provide guidance on how the study should be carried out .
If you have come to this post after searching for corporate finance or finance topics, following are the seperate posts made on these topics.
- Finance Research Topics
- Corporate Finance Research Topics
Banking and finance dissertation topics
Role of micro-loans in the modern financial industry.
Online currencies like Bitcoin brought changes in the concept of fiat currencies.
Identifying the forces causing American retail banking centres to change.
Analysing the treatment of off-balance sheet activities.
Examining the role of internet banking in society.
Evaluating how the modern economy prevents a run on the banks from happening.
To find out whether the technology can replace the role of retail banking centre.
Relationship between housing loans and the 2008 recession.
Impact of foreign direct investment on the emerging economies.
Identifying the best capital structure for a retail bank.
To study the effect of mergers and acquisition on employee’s morale and performance in the case of banks.
Evaluating the credit management and issues of bad debts in commercial banks in the UAE.
To what extent the electronic banking has affected customer satisfaction.
Portfolio management and its impact on the profitability level of banks.
Impact of interest rate on loan repayment in microfinance banks.
An appraisal of operational problems facing micro-finance banks in delta state.
Studying the impact of risk management on the profitability of banks.
Evaluation of bank lending and credit management.
Role of automated teller machine on customer satisfaction and retention.
Examining the impact of bank consolidation on operational efficiency.
Competitive strategies and changes in the banking industry.
Development of rural banking in the case of developed countries.
The effect of electronic payment systems on the behaviour and satisfaction level of customers.
How does the organisational structure affect the commercial banks and their performance?
How can banks use ratio analysis as a bank lending tool?
Evaluating the relationship between e-banking and cybercrime.
Studying the importance of credit management in the banking industry.
Problems related to loan granting and recovery.
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A List of 25 Great Dissertation Topics Related to Banking
Students can always get online help by going to a website that specializes in topics like banking. To get a high score on a dissertation, students need to come up with an interesting, unique topic. If the student is unable to think of a topic on their own, they can always use one of the 25 banking dissertation topics that are used on this list. These topics can be used as they are written, or they can be modified to suit the student's personal interests.
Banking-Related Dissertation Topics
- What are some of the forces that are causing American retail banking centers to change?
- What is the role of micro-loans in the modern financial industry?
- What is the role of retail banks in the United Kingdom in providing financial services in rural areas?
- In a managed economy like China, how does the banking system differ from capitalist nations like the United States?
- How do online currencies like Bitcoin change the concept of fiat currencies? Will these currencies still be alive in a decade?
- Why are some micro-loan companies able to enjoy a higher repayment rate than traditional banks?
- What are some of the most effective techniques that banks can use in their anti-money laundering programs?
- How can providing better credit flow boost agricultural production in an economy?
- How are off-balance sheet activities treated?
- What is the role of Internet banking in society?
- Will technology completely replace the role of a retail banking center and banks tellers?
- How does the modern economy prevent a run on the banks from happening?
- How is asset liability management performed in commercial banks?
- What is the significance of corporate social responsibility in the banking system?
- How are the concepts of equity performance and price related in the field of banking?
- Before the Federal Reserve Bank existed, how were recessions dealt with in the United States? 17. Consider the influence of magnates like J.P. Morgan.
- How did housing loans lead to the 2008 recession?
- How did poor risk management at banks lead to the recession in 1980s Japan?
- Why have hedge funds enjoyed a sustained level of progress?
- Will brick-and-mortar banks one day be extinct?
- What is the historical basis for having the Department of Agriculture manage the financial regulation of the United States?
- Should every student be required to take a class on fiscal responsibility and money management?
- How does foreign direct investment impact an emerging economy?
- What is the best capital structure for a retail bank?
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Blog / 43 Banking Dissertation Topics and Ideas
43 banking dissertation topics and ideas.
Table of Contents
Super banker to the rescue with great Banking Dissertation Topics!
As days are passing, technology is getting its peak. Similarly; as technology is getting more advanced day by day the challenges in the banking sector are also taking place. Hence, the research in this field is also getting advanced, As a student, people face many difficulties in making dissertations for banking sectors.
If you are having trouble with your banking dissertation topics then this article is the best choice for you to get help in your banking dissertation research topics. For this purpose, it is also getting too tough to pick out a topic that is instantly going to make your banking dissertation a winner and a classic.
If so stop worrying right now. This article is going to be a one-stop solution to your entire topic’s problem for a banking dissertation. This article includes some internet banking dissertation topics, Islamic banking topics, and some of the banking dissertation topics to help you in a better way.
No more searching the net or asking around for your topic ideas. All you have to do is read this article and after implementing the tools and strategies which are defined in this article, you will have a banking dissertation topic in no time at all.
BANKING DISSERTATION TOPICS
If you are looking What are the research topics in banking? then you are in right place, there are some dissertation topics in banking that are presented as an example; you can take help from these topics to make your banking dissertation topics efficient and effective.
- Asset management in banking
- Financing in banking services
- The risk involved in investment in banking sectors
- Treasury bills and banking
- Leasing in banking sectors
- Saving bonds in banking sectors
- Investment in banking sectors and challenges
- Which bank to choose for small company accounts?
- Offshore banking
- The rise in interest rates and their effect on banks
- changes in the interest rate and its impact on investment
- Barclays Bank decision
- Risk creation and management.
- The credit quality of bank loans and investments.
- Enterprise Software Co-operative Banking Group.
- The rise of Islamic bankers during the economic crisis.
- Collapse of state bank and real estate bank.
- What are some of the forces driving the transformation of US retail banking centers?
- What is the role of micro-loans in the modern financial industry?
- What is the role of retail banks in the UK in providing financial services in rural areas?
- What is the difference between the banking systems of capitalist countries like the United States in a controlled economy like China ?
- How have online currencies like bitcoin changed the concept of fiat currencies? Does our currency still live for decades?
- Why are some micro-loans businesses and a higher percentage of payments than traditional banks?
- What are some of the most effective methods available for banks in their anti-money laundering?
Check out our related posts for banking and finance , corporate finance , retail management , international finance , and Islamic finance .
INTERNET BANKING DISSERTATION TOPICS
There are some banking dissertation topics that are presented as an example; you can take help from these topics to make your internet banking dissertation topics.
- Strategies to attract new customers via internet banking
- Fraud fears in internet banking services
- Internet banking dual-factor authentication and security
- Hidden cons of internet banking services
- Let alone electronic money transfers between banks
- Impact of internet banking on an increase in account openings
- Technology and internet banking
- Internet banking as a facility
- The risk involved in internet banking
ISLAMIC BANKING DISSERTATION TOPICS
There are some banking dissertation topics that are presented related to Islamic banking services as an example; you can take help from these topics to make your Islamic banking dissertation topics.
- Is Islamic banking really Islamic?
- A rise in Islamic banking sectors
- How can Islamic banking grow if interest is not involved?
- Setting up an Islamic bank?
- Integrating Islamic concepts into the modern banking system
- trading through Islamic banking
- Istisna in Islamic banking
- Shariah compliance in Islamic banking
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A RESEARCH PROPOSAL ON THE IMPACT OF INTERNET BANKING ON CUSTOMER RETENTION
The key purpose of the study is to find out the impact of internet banking to retain customers in the context of Mutual Trust Bank LTD, Bashundhara branch, Dhaka. There are some key factors that have an important impact on customer retention in the internet banking. The main findings of the study will indicate that the factors, which are Service Quality, Responsiveness, Security and Privacy, Assurance, and Reliability, have impacts on customer retention in terms of Internet Banking of MTBL, Bashundhara branch.
Related Papers
International Journal of Business and Management
kazi omar siddiqi
Dr. Mohammad Mahtab Alam
The purpose of this study is to find out the Customer satisfaction of internet banking users which leads to make more loyal customer and hence loyalty leads to the attracting more customer, expansion of business and increase in net profit. The finding of the study shows that there is a significant variation in the level of satisfaction among internet banking users. The satisfaction of an Internet banking users depends upon Reliability, Responsiveness, Security, Ease of use and Tangible. Study also suggests that in which segment there is a need of big push to improve the overall satisfaction of the customers.
Sundas Saeed , Dr Ali Iftikhar Choudhary , Asad Humayon
Banks are the back bone of the every country. Development of an economy depends on the efficient networking of banking system. This study argues on service quality impact in the internet banking. It explains the relationship between the customer service quality and customer satisfaction. The purpose of this study is to understand that which service quality factors of internet banking can give the higher customer satisfaction level. This conceptual paper justifies the soundness of relationships through intense literature review. Based on our findings from previous literature, management can establish a sequential priority to improve customer service quality in online banking service. Five service quality dimensions namely, Reliability, Privacy, Reputation, Empathy and Website design plays a vital role to fill the gap between customer expectations and customer perceptions regarding the internet banking services.
Dr. Tehseen Jawaid , Syed Ali Raza
Purpose – This study aims to determine the effects of service quality dimensions on customer satisfaction in Pakistan by using the SERVQUAL model. Design/methodology/approach – A survey research questionnaire of 30 items has been adopted, and the data of 400 respondents were collected from the users of Internet banking of different banks located in Karachi city of Pakistan. Findings – The reliability analysis shows that all dimensions are reliable. Results of the factor analysis confirm the grouping of adopted questioner. At last, the regression analysis indicates a significant positive relationship between assurance, tangibility, reliability and responsiveness with customer satisfaction. Conversely, empathy shows a positive but insignificant effect on the customer satisfaction. Practical implications – It is recommended that the management of online banks has to focus on making the design and content of the Web sites more visually appealing to grab the attention of existing customers, as well as to attract new customers. The management has to take effective measures to further enhance the security and safety of online bank accounts, so that customers can maintain long-term relationships with the usage of online banking. Online banks have to provide more reliable services to the customers at heart to make the customers more comfortable and confident. The management should develop more effective systems to quickly solve the issues of customers. Originality/value – This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the customer satisfac
Journal of Internet Banking and Commerce
Md.Salamun Rashidin
The aim of the present study is twofold; firstly, to measure the differences in e-services of foreign and local commercial banks and secondly, to find out the critical dimension of e-SERVQUAL for online banking. The study used comparative approach; local commercial and foreign banks in Pakistan. For this purpose, the study targeted local (MCB and HBL) and foreign (Standard Charted and Alfalah) banks. A total of 195 responses were received through a mean of questionnaire based on a five - point Likert scale from Sahiwal. The study performed reliability analysis, regression and Pearson chi-square. The reliability of all dimensions was tested with a Cronbach alpha that was greater than.7. The results of the chi-square showed that no difference is found with respect to any dimension in e-services of both local and foreign banks in Pakistan. The findings of the regression analysis showed that e-service quality was affected by 66.2% due to dimensions of e-SERVQUAL. The "reliability" and "privacy" have highest impact on e-service quality than all other dimensions, so banks should pay more attention on these dimensions because that is critical to online banking.
13th Annual International Conference - Convergence 2018 on the theme "Applied and/or Interdisciplinary Research: Emerging Economy Perspectives"
Dr. Nazrul Islam , Rasel Mustafi
Bangladesh is a densely populated country of the world. More than 170 million people live in this country. Mobile banking is a very important and new phenomenon in Bangladesh. In recent years, mobile banking has got highest importance by the customers in the country as it provides immense scope for consumers for banking transactions at any time with the option to access bank's facilities anywhere of the country. It is a subset of electronic banking, the use of which is increasing day by day in Bangladesh. Hence, this paper aims at indentifying the factors that influence the customer experience in mobile banking in Bangladesh. This study is based on a survey of 231 mobile banking customers of nine private commercial banks of Bangladesh. Literature review identified some factors related to mobile banking like convenient and responsive system, transaction speed and accuracy, reliability, transaction security in ATM booth and technological difficulty that affect customers' experience in mobile banking systems etc. Both descriptive and inferential statistics were used to analyze the data. Descriptive statistics were used to describe the present situation of the mobile banking systems in Bangladesh. Inferential statistics like factor analysis, multiple regression analysis and Structural Equation Modeling (SEM) were used to identify the relationships between the overall experience of the mobile banking customers and the specific factor(s) that affect customers experience in mobile banking. Results show that the convenient and responsive system, transaction security in ATM booth and technological difficulty are significant factors that affect the customers experience in mobile banking of Bangladesh. This study suggests that the policymakers should focus on the convenient and responsive system of mobile banking, transaction security in ATM booth and technological difficulty factors that affect customers experience in doing mobile banking for the improvement of the mobile banking services in Bangladesh.
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159 Banking Essay Topics
🏆 best essay topics on banking, 👍 good banking research topics & essay examples, 🌶️ hot banking ideas to write about, 🎓 most interesting banking research titles, ❓ banking essay questions.
- Electronic Banking Services in a Qatar Bank The present research is based on the context of e-banking services in Qatar, a small country with abundant natural assets. Banks in Qatar have not been able to get the majority of customers.
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- International Monetary Fund, World Bank, and World Trade Organization This paper studies three international financial organizations: the International Monetary Fund, the World Bank, and the World Trade Organization.
- Economics: Currency and Banking Schools Debates This thesis of the paper will be a statement about the importance of the Currency and Banking Schools, especially their influence on the decisions of policy-makers.
- United States Banking Merger Relevance In the banking sector, mergers and takeovers have become very common. In this paper, the researcher will look at the relevance of banking mergers in the modern market.
- Mobile Banking Development and Analysis Project This research will be discussing the application of a mobile banking application, its effects, and its benefits to the consumers.
- The Lehman Bank: Irregularities and Cybercrimes Henry Lehman had until recently been the head of one of the world’s largest and most successful investment bank. Smith was a professional who had worked for one of the Lehman Bank’s subsidiaries.
- National Australia Bank Analysis The national Australia bank has many programs which help it to adhere to the ethical regulations which govern all businesses in Australia.
- The National Australia Bank’ Corporate Governance The purpose of this paper is to develop a critical analysis of NAB’s corporate governance in terms of the protocols and practices.
- Foreign Investment in Chinese Banking Sector: HR Policies China`s banking system and foreign investment policies have to survive numerous changes and improvements using its norms and guidelines in comparison to developing countries.
- World Bank’s Logistics Performance Index The World Bank’s Logistics Performance Index (LPI) is constructed to assist countries in determining the key challenges and opportunities in logistics.
- Banking Merger, Its Benefits and Consequences The paper seeks to discuss the effects of mergers in the banking industry on the public especially in the United Kingdom.
- Barclays Bank’s Innovative Managerial Practices One of the most vivid examples of Barclays’s encouragement of entrepreneurship processes is the LifeSkills program.
- Bank of Japan’s Unconventional Monetary Policy In Japan, the supply of money is mainly controlled by the Bank of Japan with the help of monetary policy that is focused on inflation and interest rates.
- Commercial Bank’s Profitability in Austria The analysis done in this paper shows that there is a close relationship between gross domestic product and commercial banks’ profitability in Austria.
- Banking and Inventory Management This assessment analyses the inventory management as a tool for achieving successful supply chains and resilience in the banking services industry.
- Finance: The Currency School-Banking School Debate The period of the 1840s in the history of the economic thought is characterized by a significant controversy observed between the Currency School and Banking School.
- Corporate Governance in the Banking Industry Work utilizes the stakeholder theories and the stewardship presumption to shows how corporate governance contributes to higher standards of accountability in the banking industry.
- Chinese Bank’ Human Resources Management The paper analyses HRM through an examination of new approaches, recruitment and selection, monitoring and rewarding at the Industrial and Commercial Bank of China.
- Online Banking Fraud Risk Awareness The rationale of this research is to investigate how online-banking private customers are aware of the risk associated with the services.
- Major British Banking Group and Financial Crisis The purpose of this study is the assess the extent to which financial crisis in the United States of America contributed to the liquidity crash in the Major British banking group.
- US Banking Expansion in Emerging Markets U.S. banking has contributed significantly to the development of financial markets of emerging countries such as China, Malaysia, Brazil, and others.
- China’s Asian Infrastructure Investment Bank China’s Asian Infrastructure Investment Bank is an organization intended to support infrastructural development in the region. The US and Japan voiced their disproval of the endeavor.
- Eastern Bank and First Bank & Trust Company Merger The Eastern Bank Corporation and the First Bank & Trust Company have different human resources policies. For the merger, a general HR management strategy should be developed.
- Barclays Bank’s Decision-Making and Leadership Barclays Bank Board comes up with the vision for the bank. It could be the expansion plans into the Middle East or the African continent.
- National Australia Bank: Corporate Social Responsibility This paper explores corporate social responsibility through an analysis of a company selected from the database of the world’s most ethical companies.
- Time Management for Students in Bahrain’s Banking This research is aimed to study the opinions and attitudes towards time management among the students at Bahrain University and the country’s financial sector.
- Barclays Bank’s Decision-Making & Risk Management Barclays Bank has a clear and progressive vision of the decision-making process, with risk management being the most elaborate one.
- Credit Quality in Banking Lending and Investment This paper analyses the credit quality problems of banking institutions’ lending and investment decisions over the last 30 years.
- Co-operative Banking Group’s Enterprise Software The report illustrates how implementation of ERP system in Co-operative banking group will help in improving the firm’s accounting, inventory as well as logistics practices.
- The Rise of Islamic Banking in a Time of Economic Crisis On the surface, it may seem odd that Islamic banking is in such demand but when looked at from a cultural and religious perspective, it embodies the very essence of Islamic law.
- State Bank’s and Real Estate Bank’s Collapse Today, the collapse of state banks is the problematic situation which is often associated with significant economic and political problems in the country.
- HSBC Bank’s Staffing Change: Communication Plan This work shows the communication plan for the change in staffing at HSBC Bank, identifies its key trends, assumptions, and risks, and gives a SWOTT analysis of the organization.
- The Asian Infrastructure Investment Bank’s Initiative The purpose of this paper is to discuss the implications of the Asian Infrastructure Investment Bank’s initiative and analyze three global connections with regard to the project.
- Bank Reconciliation: Theft and Control Deficiencies Internal control is a vital process because it gives reasonable assurance about the activities of a company and compliance with laws and regulations.
- Bank of America’s E-Business Challenges The promoters of the Bank of America have not conceded on the matter of going e-business. This problem has a direct relation to the size and financial ability.
- US Financial and Banking Reforms History The paper reviews articles that analyze the challenges of the US financial institution in 1832 and explain the significance of the US banking reforms under Nicolas Biddle.
- Hedging Strategy and Bank Risk Management Strategy for risk management is an essential step for banks. Hedging is a tool managing the financial risks that may emerge in the process of managing forwards and futures.
- Goldman Sachs Group in Investment Banking Industry Goldman Sachs Group has had a long history in the context of the global economy and, therefore, has gained impressive experience over the years of its operations.
- The Lehman Brothers Bank Collapse The main purpose of this study is to examine the financial crisis of 2008-2010 on public discourse with regard to the collapse of Lehman Brothers.
- Barclays Bank’s Talent Management The Barclays Bank in Stanford has successfully organised its human resource management approach to internalise the aspects of employee equity.
- Bank Loan Manager: Job Analysis and Recruitment Bank loan manager is a rather profitable and respectable job, and its popularity and prestige have been growing during the last decade.
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- Vision Bank’s Intercultural Communication: Problems and Recommendations The selected company for this report is Vision Bank. It provides banking, loans, financial advice, and consultancy services to customers in different regions.
- Macroeconomics Interest Rates and Aggregated Supply: Demand in the Federal Reserve Bank The Federal Reserve Bank makes a decision to increase interest rates regardless of the fact that real wages do not rise.
- Banking, Its Ancient and Modern History The history of banking dates back to Ancient Greece and the Roman Empire. The first prototypes were created by merchants around 2000 BC in Assyria and Sumeria.
- Abu Dhabi Islamic Bank’s Online Banking Services The purpose of this paper is to analyze modern online banking practices in the UAE, using Abu Dhabi Islamic Bank (ADIB) as an example.
- Bank of America Launching New Online Services Bank of America successfully tested its new mobile banking service on a small-scale basis to determine the acceptability level among customers.
- Waiting Lines Situation at Banking Organizations Hiring more personnel could be a solution to address the challenge of long queues at many facilities.
- St. George Bank. Profits and Perspectives. The financial statements of St. George Bank Ltd are legitimately prepared in accordance with Australian Accounting Standards, the Corporation Act of 2001.
- Analyzing Bank Performance: Risk Propositions This report points out some of the challenging circumstances that the banks and financial institutions may find themselves in if the crisis goes out of hand.
- St. George Bank: Human Resources and Entrepreneurship St. George Bank should also come up with new methods to access their customers and also new channels on which the customers can get their services.
- Bank of Credit and Commerce International Case When the branch offices of the Bank of Credit and Commerce International (BCCI) in seven countries were raided in early July 1991, one of the major bank scams involving billions of dollars was brought to light.
- Managing Employees Performance at HSBC Private Bank and Theoretical Analysis of Performance For a better understanding of Managing Employee Performance this paper would go for HSBC, the UK as a case study and then go for theoretical analysis.
- Bank Street Curriculum: Implementation and Assessment The Bank Street Curriculum was developed keeping in mind that children are very active learners. The curriculum is based on history, economics, history and even geography
- Standard Chartered Bank Managing Human Resources This report is a case study on Standard Chartered, and the strength-based approach in the bank has been discussed with its benefits and also disadvantages.
- Banking Bail-Outs and the Housing Market This paper focuses on the impact of the banking bail-out on the housing sector. The US banking bail-outs elicited spirited criticism and resistance from thousands of Americans.
- The Grew of Financial World Crisis: Global Central Bank As Michael Mandel writes in his article, the financial world crisis flows out of the absence of a global central bank, which could have regulated the world financial movements.
- Geithner’s Bank Plan: Winners and Losers Joshua Zumbrun in his article “Geithner’s Bank Plan: Winners and Losers” in the “Forbes” offers banks to sell their bad assets – the loans and securities they cannot unload in the market.
- The Ethical Issues of Western Bank and Trust and Bobby’s Bagels Managers In this paper I am going to examine ethical issues in two companies: Western Bank and Trust and Bobby’s Bagel.
- Improving Workplace Learning for the Bank Tellers Improving workplace learning for the bank tellers by first identifying the weaknesses or obstacles then developing a strategy towards addressing the weaknesses.
- Mobile Telephony Services Investing in Real-Time Banking Investing in new smartphone technology is a waste of time in poor markets. Investing in services through mobile telephone services seems to be the next big thing.
- Financial Management and Investment Banking This paper will focus on the primary markets, analyze the functions that investment bankers perform in the traditional process for issuing new securities.
- Macroeconomic Theory: Barclays Bank in the UK For purposes of this study, we will analyze how the national economy can affect the performance of Barclays Bank, a major Public Limited Company.
- The Impact of the Internet on Banking The internet and Information Technology has given banks their core objective and that is services towards their customers and at the moment it is bringing forth more valued added products.
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- Best Big Bank in Australia & Principal Agent Theory The paper reviewed the possible problems that occurred while the “Nucleus” referral system implementation in the Best Big Bank located in Australia.
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- Banking Policy Regulation: Lending to Minorities The lenders argue, many minorities take loans which they cannot afford to pay. Some households take mortgage loans with anticipation that the prices for these houses will increase.
- Information Technology and Banking Sector IT has influenced two dissimilar areas in banking, including communication and connectivity, together with business progression reengineering.
- Wachovia Bank Financial Report Wachovia bank, which is now a part of Wells Fargo bank, was regarded as the fourth-largest bank holding company in the USA, the financial system of which was based on total assets.
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- The Bank of America on the Verge of Substantial Changes It is essential to find the right balance between the desire to improve the growth margins and the risk of losing everything through bankruptcy to profit and raise capital.
- Corporate Social Responsibility in Bangladesh’s Banking Sector CSR practices by banks in Bangladesh not only enhance their accountability but also boost their success and influence the socially responsible behaviors of other firms.
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- Islamic Banking Features Analysis The purpose of the research will explore specific features within Islamic banking that impede the free flow of capital.
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- HSBC Bank Balance Sheet Analysis Financial accounts have different users; each user has specific needs they require from the accounts. Financial account users can be defined into two main segments.
- National Bank of Bahrain Analysis This report attempts to analyze the characteristics that determine the attractiveness of the NBB to investors, namely its financial structure and corporate governance framework.
- Islamic Banking: Risk Management, Operations and Barriers Islamic banks have been opened all over the world and they have their own unique operations that depend on the rules and regulations of Islamic law.
- Bank of Credit and Commerce International’s Criminal Activity This case provides adequate information on how BCCI bank was involved in a global financial crime of laundering billions of dollars globally.
- The Effect of Finance as It Relate to Banking in Our Society The purpose of this paper is to analyze the effects of finance as it relates to banking in the Cayman Islands.
- Competition in Islamic Banking Systems The main purpose of the research will be to investigate the effect of competition on profitability and the market power in the Islamic banking system.
- Hull vs. Bank Case Study This case reflects the issue that occurred between the property tenants and the North Adams Hoosac Savings Bank. Harry transferred his interests in East Quincy and to his wife.
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- Investment Opportunity Analysis: British Banking Sector The Big Four British banks dominate the UK banking industry for a number of reasons, including their longevity, aggressive marketing, and service variety.
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- Island Banking Services: Cybersecurity Strategy and Implementation Plan This paper aims to describe the cybersecurity strategy and its implementation plan for Island Banking Services that is a firm that works in Financial Transactions Processing.
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- Green Initiatives of the Toronto-Dominion Bank The paper will assess the actions taken by Toronto-Dominion Bank in order to reduce its impact on the environment.
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- The Toronto-Dominion Bank in the Industry The Toronto-Dominion Bank measures its effectiveness using a personnel engagement score, optional labor turnover, and industry comparison.
- Does Customer Relationship Management Matter in the Banking System?
- Have More Strictly Regulated Banking Systems Fared Better During the Recent Financial Crisis?
- Does Banking Competition Alleviate or Worsen Credit Constraints Faced by Small and Medium Enterprises?
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- Does Banking Competition Affect Innovation?
- Why Fixing the ‘Shadow Banking’ Sector Is Essential for the U.S. Housing Market?
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- How Does Banking Sector Globalization Affect the Banking Crisis?
- Can Sustainable Banking Help Stimulate Economic Growth in Sub-Sahara Africa?
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- How Does Competition Affect Efficiency and Soundness in Banking?
- Can Central Banking Survive the IT Revolution?
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- Does Banking Consolidation Lead to Efficiency Gains?
- Are Recoveries From Banking and Financial Crises Really So Different?
- What Determines the Banking Sector Performance in Globalized Financial Markets?
- Can the Chinese Banking System Continue to Grow Without Sacrificing Loan Quality?
- Are Systemic Banking Crises in Developed and Developing Countries Predictable?
- What Drives Banking Sector Fragility in the Eurozone?
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Understanding customer satisfaction of internet banking: a case study in malacca ☆.
The banking industry has been rapidly developing the use of Internet banking as an efficient and viable tool to create customer value. It is one of the popular services offered by the traditional banks to provide speedier and reliable services to online users. With the rapid development of computer technology as a commercial too Internet banking can be used to attract more customers to perform banking transactions in related banks. However, the main problem of Internet banking faced by the providers is that a large number of the banks’ customers are not willing to use the Internet banking services offered. This happened due to the services offered through Internet banking have yet to satisfy their customers. Customer satisfaction is an important factor to help banks to sustain competitive advantages. Therefore, the purpose of this research is to search and examine the factors which influence customer satisfaction towards Internet banking. The five factors which can influence customer satisfaction toward Internet banking include service quality, web design and content, security and privacy, convenience and speed. With the use of a questionnaire survey, 200 working adults participated in this study have provided valuable feedback and responses pertaining to the above factors that influence customers’ decision to do Internet Banking. The results of this research showed that web design and content, convenience and speed are closely linked to customer satisfaction toward Internet banking. Or … The results of this research showed that web design and content, convenience and speed are the top three factors that influence customer satisfaction toward Internet Banking.
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List Of 12 Good Dissertation Topics Related To Banking
For those students who are taking up a course in banking or finance and its affiliates, you will need to be ready for that moment when you will have to write a dissertation. In the learning cycle, dissertations are a necessary evil, which you have to get through before you can be considered for graduation or passing into the next class or semester.
One of the most important things that you have to do is to write this paper. You need to come up with a strong title for your paper, because without a good title, you can easily fail the task at hand. A good topic makes your work easier, in the sense that you get to convince the teacher from an early stage that you know what you are doing.
One of the best things about the paper you are about to write is the fact that most of the issues you can bring up are things that you see happening on a daily basis. When you are working on a paper in banking, the following are a number of ideas that you can consider working on whenever you are looking to present a decent paper for marking, and guarantee yourself some good points in the process:
- Discuss the benefits of Islamic banking
- Explain some of the methodologies that are used in banking
- Discuss the career options for a banking student, other than the banking sector
- Discuss how online banking has affected the traditional banking industry
- Provide an elaborate overview of the banking industry in the US
- Discus the role of banks in the national and global economy
- Discuss how events in China led to the challenges facing the financial sector in the world in 2015
- Discuss how banking in Bangladesh differs from banking in Canada
- Explain the important role that technology has played in the advancement of the banking sector into the 21st century and beyond
- Discuss the challenges that Hungary faced in terms of modernization of its banking industry
- Explain how the advancement of the banking industry in technology has made it quite an interesting field for hackers and other online frauds
- Discuss the challenge that currencies like Bitcoins will face before they are recognized worldwide, with countries like Kenya rejecting the use of Bitcoins as legal tender
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The study used tables, percentages, chi-square independency test to see the relationship between demographic characteristics and e-banking, independency t-test to see the visits of branches before ...
Abstract. The Online Banking Services are increasing day by day in the banking sector in India. In this paper aims to examine the Online Banking Services of the Banking Sectors in India. In this ...
1.1.1 Electronic Banking E-banking can be classified into three basic types. These include Internet banking, Smart card banking and Mobile/telephone banking. Internet banking: This is a type of e-banking service where customers' instructions are taken and attended to through the internet. Internet banking offers customers the
The majority of Ukrainian banks started proposing modern e-banking services only recently. An important question is how the conversion from plain vanilla banking to online one affects the bank customer's behavior. In this thesis we focus on whether it leads to more customer initiated transactions and higher amounts on balances.
Whether you need a 5-page research proposal at master-level, or a 350-page thesis at doctoral-level, our qualified professionals will meet your needs— guaranteed! Our "E Banking" experts can research and write a NEW, ONE-OF-A-KIND, ORIGINAL dissertation, thesis, or research proposal—JUST FOR YOU—on the precise "E Banking" topic of your ...
Dissertation On E Banking, Compare And Contrast Movie And Book Essay, Research Paper Do's And Don'ts, Thesis Statement On Daniel Defoe, Descriptive Essay Guidelines Pdf, Kinds Of Essay And Examples, The college essay is a vital part of your application. Many schools ask you for in-depth papers that allow the reader to form an opinion about you ...
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1. Introduction. E-banking can be simply defined to mean a process where banks create a platform for its customers to generally access information and to transact businesses electronically through an electronic device without necessarily being present at the bank (Annin et al., Citation 2013).Electronic banking enhances the development of the financial system in general and the banking ...
Security of Internet banking is one of the major concerns that affects customers when using e-banking. Customer confidence on e-banking depends mainly on the level of security promised by the OBSP in protecting personal information and/or deal with preventing unauthorized transactions/access (Chiu et al., 2016). Human Interaction Gap. This ...
Evaluating how the modern economy prevents a run on the banks from happening. To find out whether the technology can replace the role of retail banking centre. Relationship between housing loans and the 2008 recession. Impact of foreign direct investment on the emerging economies. Identifying the best capital structure for a retail bank.
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To get a high score on a dissertation, students need to come up with an interesting, unique topic. If the student is unable to think of a topic on their own, they can always use one of the 25 banking dissertation topics that are used on this list. These topics can be used as they are written, or they can be modified to suit the student's ...
The rise in interest rates and their effect on banks. changes in the interest rate and its impact on investment. Barclays Bank decision. Risk creation and management. The credit quality of bank loans and investments. Enterprise Software Co-operative Banking Group. The rise of Islamic bankers during the economic crisis.
Electronic banking (E-banking) has improved as well as changed the aspect of commercial banking through linking and connecting geographical, industrial and regulatory gaps and creating innovative products as well as services for both banks and customers (Khan & Karim, 2010). In other words, Internet technology holds the potential to ...
It is a subset of electronic banking, the use of which is increasing day by day in Bangladesh. Hence, this paper aims at indentifying the factors that influence the customer experience in mobile banking in Bangladesh. This study is based on a survey of 231 mobile banking customers of nine private commercial banks of Bangladesh.
Abu Dhabi Commercial Bank is a full-service commercial bank that provides a broad range of products and services, for instance, retail banking, management of wealth and others. Change in Composition of Bank Funding Since 2008. The main components of bank funding are deposits, short-term debts, and long-term debts.
In addition, Adams and Lamptey (2009) implied that the speed for Internet banking webpage response is an important issue to customer satisfaction. 5. Conclusion In this research web design and content, convenience and speed have a relationship with customer satisfaction towards Internet banking.
Discuss the career options for a banking student, other than the banking sector. Discuss how online banking has affected the traditional banking industry. Provide an elaborate overview of the banking industry in the US. Discus the role of banks in the national and global economy. Discuss how events in China led to the challenges facing the ...