one of the strong points of islamic banking, compared to conventional banking system, is the bank's sharing of both profits and losses of  funded activities in the framework of collaborative agreements. the proper implementation of partnership facilities requires respecting religious as well as financial and economic codes. as shown by the evidence, the objections made against the activiti...

Significant population segments in developing countries have very limited access to basic financial services, such as bank accounts, savings or insurance. Meanwhile, the use of ICT is increasingly becoming an intrinsic part of banking business, rendering financial services easier and cheaper to develop and deliver. This paper focuses on ICT-based correspondent banking outlets, a technology that...

The major banks in India are increasingly providing services through electronic channels such as ATMs, internet banking, tele banking and mobile banking. The paper is an attempt to examine the various usage patterns by customers of these technologyenabled services provided. A survey research is conducted among the customers of some of the leading banks in India who are residing in the selected ...

Over the last three decades the role of banking in the process of financial intermediation has been undergoing a profound transformation, owing to changes in the global financial system. India’s banking system has seen some major financial innovations in the past decade as well as steps to promote financial inclusion, schemes that aim to take banking services to yet-to-be-banked areas. The vari...

highly competitive, dynamic and complex environment of banking industry and increasing growth of customers’ demand has led to lots of changes in this industry. therefore, e-loyalty has changed to a considerable subject in e-business environment to preserve customers. this study is conducted in order to identify and study the factors affecting e-loyalty of e-banking services’ users. the methodol...

In the retail banking context, convergence of technologies has given birth to different channels of distribution like Automatic Teller machines (ATM), internet banking, and mobile banking. This enables the customer to avail the banking services at any time and any where. These technological interfaces are known as self service technologies (SSTs). Customers availing banking services through the...

e-banking (electronic banking) is the modified business banking toward e-business (electronic business) banking that actually uses the electronic communication channels such as internet, phones, cell phones and the like. by using this method, the demands of customers such as time independent and high flexible actions are satisfied. in this process, marketing is so important because guiding cust...

This paper introduces the concept of modularity in financial services, discusses how new value chains are created and addresses emerging opportunities for innovative business models in the digital economy. We argue that innovation occurred in the banking sector despite the lagging adoption of new operational practices but due to technology drive for new ways to provide services. Banking innovat...