Current Issue : January - March Volume : 2016 Issue Number : 1 Articles : 6 Articles
Trust in prior marketing research is considered to be the milestone in the dealing between\ntwo entities. Likewise, information systems� researchers considered customer�s trust in eServices\nto be an essential element in accepting such services. In the case of internet banking\nservices (IBS) in the Jordanian context, the early stage of trust will be under investigation\nsince the majority of people are not adopters for IBS. The main aim of this paper is to identify,\ndefine, and categorise the factors that influence Jordanian�s initial trust in IBS. A systematic\nqualitative literature survey approach has been adopted and reports the following categories:\nfirstly, trust bases category includes: personality-based trust, cognition-based trust\n(Reputation), institutional-based trust (structural assurance); secondly, Information\nTechnology category includes website factors (security, privacy, and general online\nexperiences); thirdly, social factors (national culture); finally, diffusion of innovation factors:\nRelative advantages and compatibility. The selection of the previous factors depends on the\nuser characteristics (no prior experience in IBS), and context characteristics (national\nculture of the Jordanian context). These factors can be useful for increasing organisations�\n(i.e. banks) understanding and addressing customer�s initial trust in IBS in the Jordanian\ncontext....
Though the CSR concept had started to attract scholars� attention from Bowen�s writings in the 1950s, it remained an under researched topic in developing countries. Emphasis on CSR had begun when the international standards & protocols (i.e. SA 8000 & Global Responsibility Initiative), indexes (i.e. FTSE4Good & Dow Jones Sustainability Index) & conventions (i.e. UN Global Compact) had started to gain increased endorsement from varying organizations & communities operating across different countries. Moreover, as the stakeholder theory had gained major literature support within the CSR area, it serves well to identify this concept within a developing country�s context, like Egypt giving a banking organizational experience; Arab African International Bank (AAIB); that was turned into a successful value-creation operation to all involved stakeholders. In-depth interviewing was conducted with the CSR Head within AAIB, along with siding to different organizational publications to deduce & analyze the information acquired & presented within the case. Further to that, AAIB�s experience postulates a remarkable one as it reflects the CSR operations in Egypt pre the turning point of 2011, which would serve in setting a benchmark of comparisons later on due to the fact that CSR activities are now under high scrutiny & public questioning in relevance to their hidden agendas & objective....
This paper provide an empirical analysis of the impact of monitoring within group based lending programmes on moral hazard behavior of its participants, based on the data from an extensive questionnaire held in Uttar Pradesh, India among 200 participants. Study finds new information that agent who is outsider of the group, it may be credit officer or other who nurtured and form the group, may be an emergent determinant of loan repayment. Support was found for the fact that monitoring by the credit officer do help to reduce moral hazard behavior of group member and improve the repayment of loan. This study supports the emerging BCs model in India and in the world level. The main idea is that it reduce the marginal cost of monitoring and group conflict emerged by peer monitoring within group....
The implication of foreign currency lending for financial stability became one of the most important\nissues appointed to the attention of policymakers especially when global financial crises became\nevident. In Romania, the high indebtedness rate, especially in foreign currencies, is the main\nvulnerable spot of the population sector. Foreign currency lending can increase financial\nvulnerability and the risk of systemic crises in several dimensions. This is the reason for which, the\nmain objective of this paperwork is to analyze the factors that influence the customers in their\ndecision to borrow in foreign currencies. In this matter, it was used a regional econometric model\nfor panel data in order to see Romania�s customers borrowing preferences and to analyze if the\ncrises have changed their behavior....
The main objective of this paper is to see how economic globalisation has affected the size of\nthe state in Latin America, determining which of the effects ââ?¬â?? efficiency and compensation ââ?¬â??\nhas been stronger in Latin America, a region that has joined the world economy gradually\nsince the 1980s, with diverse experiences. In absolute terms, however, the state was more\npresent in the economy in 2011 than in 2000 or 1980, helping reduce inequality, meaning\nthat the compensation effect may exist, despite the analysis showing an ambiguous result.\nThe results are generally confirmed by the quantitative analysis, with multiple linear cross sectional\nregressions and panel regression (with and without outliers) showing that indeed\nopenness to trade, measured either through tariffs or through trade as share of GDP, is\nassociated with a smaller state, with a (reliable) tariff coefficient. Our work in mainly\nconceived as a theoretical research grounded on statistical data. The conclusions of the case\nstudy point towards the existence of the efficiency effect, with growing trade associated\nwith a smaller relative presence of the state in the economy. Globalisation does slightly\nreduce the size and the scope of the state in Latin America, but there is ââ?¬Å?an alternative view,\nbased on global social justice and a balanced role for the government and the market....
Online banking is facing various types of resistance that may hinder its adoption by\nconsumers. This paper aim to identify barriers to the origin of non-adoption of e banking\nand to provide a better comprehension of online bankig non adoption it is based on a survey\nof nearly 150 Tunisians bank customers non-adopters of e banking. This study identifies\nthree groups of non- adopters of online banking: postponers, opponents and rejecters. The\nresults indicate, first, that these groups of non- adopters differ significantly with respect to\npsychological barriers (tradition and vision). They highlight on the other hand that\nfunctional barriers (use value and risk) have no impact on resistance to e banking. The\nresults provide managerial implications for Tunisian executives to better profile their\ncustomers....
Loading....