The main purpose of the study is to examine the willingness of the Moroccan customers to adopt Islamic banking services and the factors that may influence their decision. A total of 200 questionnaires were randomly distributed to Moroccan banking customers, out of which 146 were properly filled and returned. Multiple regression and one sample t-test were subsequently applied. The results showed...

Introduction It is submitted that accepting Islamic Banking within the western regulatory framework has encountered many impediments. A conventional bank is an institution that holds a banking license issued by banks' regulatory authorities which authorizes the chartered institution to conduct fundamental banking services such as receiving deposits, making loans, providing and saving account se...

b s t r a c t The central role of information processing in banking leads to an expectation that banking and finance companies will be strongly affected by technological innovation in general and applications of information and communications technologies (IT) in particular. This research reviews those effects on banking organizations with reference to front-office or external changes (product ...

This research addresses the problem of website customization in online banking, particularly in the Australian context. Australia has the fourth highest online banking adoption rate among developed nations (behind Canada, US and UK) and Australian consumers prefer online banking over ATM, phone and branch. The existence of large number of users who use online banking services on a regular basis...

1567-4223/$ see front matter 2011 Elsevier B.V. A doi:10.1016/j.elerap.2011.07.005 q The authors are grateful to CGAP, CAPES and C financial support granted for this research. ⇑ Corresponding author. Tel.: +55 11 33842416. E-mail address: [email protected] (M. Jayo). Over the last decade, Brazil has pioneered an innovative model of branchless banking, known as correspondent banking, involvin...

11This paper investigates the predicators of retail banking customers’ attitude towards the adoption of Internet banking services in South Africa. This study extended the Technology Acceptance Model (TAM) by including trust, subjective norm and demographic variables, and presents an empirical validation in South Africa. The results suggest that perceived usefulness, perceived ease of use and tr...

This paper profiles mobile banking users using machine learning techniques viz. Decision Tree, Logistic Regression, Multilayer Perceptron, and SVM to test a research model with fourteen independent variables and a dependent variable (adoption). A survey was conducted and the results were analysed using these techniques. Using Decision Trees the profile of the mobile banking adopter’s profile wa...

Technology has introduced new ways of delivering banking to the customer, such as ATMs and Internet Banking. Hence, banks have found themselves at the forefront of technology adoption for the past three decades. Banks began to look at e-banking as a means to replace some of their traditional branch functions. e-banking products/services like ATM and electronic funds transfer were a source of di...