Forthcoming and Online First Articles

International Journal of Electronic Banking

International Journal of Electronic Banking (IJEBank)

Forthcoming articles have been peer-reviewed and accepted for publication but are pending final changes, are not yet published and may not appear here in their final order of publication until they are assigned to issues. Therefore, the content conforms to our standards but the presentation (e.g. typesetting and proof-reading) is not necessarily up to the Inderscience standard. Additionally, titles, authors, abstracts and keywords may change before publication. Articles will not be published until the final proofs are validated by their authors.

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International Journal of Electronic Banking (7 papers in press)

Regular Issues

  • Shift towards digital opportunities for banks?   Order a copy of this article
    by Debasis Chakraborty, Jyoti Gogia 
    Abstract: We assess and analyse the relationship between the number of ATMs and the pertinent macro-economic variables. Moreover, the paper demonstrated a brief overview of the ATM industry’s impact during lockdown backed with a case study concerning their logistics and policy actions of the board of directors. We used quantitative evidence relating to declining ATM transactions within the UK banking industry and using data from UK regulatory authorities. The paper shows a fall in the number of ATMs with a rise in macro variables like inflation and further support it with a qualitative argument of the declining ATM industry. Lastly, we conclude our findings with a qualitative forecast, assessing the relevance of virtual banks and the paradigm shift towards a more digitised economy, we present the opportunities which the mid-market banks could exploit and meet the changing consumer preferences to innovate within the dynamic banking sector.
    Keywords: global construction; economy; globalisation; emerging countries; NEMESIS model; econometric behavioural equations; European Economy; economic policy.
    DOI: 10.1504/IJEBANK.2022.10045082
  • An investment and banking driven growth and development - virtuous mark of finances in economy   Order a copy of this article
    by Pallabi Mukherjee, Kali Charan Modak 
    Abstract: This paper aims to establish the impact of both fiscal and monetary aspects on the growth and development of the Indian Economy. The causality between GDP and FDI and also between FDI and all dimensions of development evaluated. Findings provide a comprehensive image of how FDI has impacted a developing country like India in terms of growth and development. The paper also aims to establish the impact of banking parameters (financialisation) such as broad money, commercial bank branches, domestic credit to the private sector, automated teller machines, lending interest rate, listed domestic companies, total market capitalisation of listed domestic sector companies and Stocks traded on both growth and development. The primary findings portray the positive impact of commercial bank branches, domestic credit to the private sector, lending interest rate, and market capitalisation of listed domestic sector companies on the overall development of India.
    Keywords: financialisation; banking; foreign direct investment; FDI; growth; development; income; employment; equality; environment.
    DOI: 10.1504/IJEBANK.2022.10046140
  • Customer engagement of mobile banking a case of mobile money in rural India   Order a copy of this article
    by Dinabandhu Bag 
    Abstract: The study determines mobile banking use tendency among bank customers in rural India and understand the value proposition to engage them in m-banking. It focuses on a few aspects, convenience, work-life, trust, safety, product usage in mobile banking. The data is obtained from an online survey of electronic responses chosen from publicly available frame (s). We find that a share of 21% were risk-averse cash believers, against 79% who availed mobile transfers. We derive that instances of the wrong debit to the customers’ account can eliminate trust in the service provider. The findings differ from past studies in a few ways, such as the insights on users’ inhibitions with money, distinguishing trusting the Bank versus trust, deriving satisfaction from the end purposes met. We also find contrasting insights on behaviour. Responder’s education enhances the use, product recommendations, safety perceptions, and the significance of ATMs or physical branches.
    Keywords: mobile money; behaviour; trust; TAM; India.
    DOI: 10.1504/IJEBANK.2022.10046686
  • M-wallet's adoption, preferences and practices in India   Order a copy of this article
    by Bindiya Tater, Kishor John 
    Abstract: The study attempts to identify adoption, preferences, and mobile wallet practices among male and female users in India. The study was conducted to identify the preferred m-wallet, the usage trends in the adoption, preferences, and practices, and services affect the benefits and uses, intent to use, security and trust while using the services. The study is a descriptive and empirical questionnaire approach based on a sample of 261 male and 161 female users. Paytm is the most preferred m-wallet on Google Pay, Phonepe, Amazon Pay, etc. Family, friends and the growing use of the internet impact user adoption and practices. The results show that there is no significant difference between m-wallet adoptions among users regarding 15 factors under three constructs, i.e., 'benefits and uses', intent to use and 'security and trust'. The study also analysed the association of these three constructs.
    Keywords: m-wallet; adoption; practical; profit; intent; security; trust; use; India.
    DOI: 10.1504/IJEBANK.2022.10049141
  • Did the effects of the pandemic affect online/digital banking adoption in Sri Lanka?   Order a copy of this article
    by Anuja Yapabandara, Nagendrakumar Nagalingam 
    Abstract: The research paper sets light on why the public is reluctant to adopt online/digital banking products even during the COVID-19 pandemic. The research was conducted from a deductive approach having stratified random sample from the districts of Colombo, Gampaha and Kandy. Hypotheses were designed based on rigorous review of literature. Data obtained from the survey was analysed through binary logistic regression to identify the impact of the variables on adoption of online/digital banking products. The study concludes that computer and internet literacy, perceived usefulness and awareness were the most influencing factors of adoption of online/digital banking products. The study is significant since it takes the effects of pandemic into consideration. The study argues that the contradictory nature observed in some variables which were well established in previous studies is caused by the pandemic and thereby leads for recommendations which would support enhancing banking operations on online/digital banking products.
    Keywords: online/digital banking; internet baking; Sri Lanka; adoption; reluctance.
    DOI: 10.1504/IJEBANK.2022.10049142

Special Issue on: EAMMIS 2021 Exploration of the Impact of the Coronavirus Pandemic on Fintech, Banking and Cryptocurrencies

  • Testing the generalisation of dimensions of electronic service quality in retail internet banking services in India: an empirical study   Order a copy of this article
    by Navjit Singh, Ramandeep Singh Deol 
    Abstract: A large number of researchers explored and proposed scales to assess the e-service quality of online services across the globe, but the phenomenon is still at a very infant stage in India wherein people have just started exploring the e-commerce services. The current study aimed at identifying and assessing the reliability, validity of the identified dimensions dealing with e-service quality of internet banking services. The authors after a detailed literature review identified six unique and generalisable dimensions of e-SQ as, security, information availability, customer support, ease of use, functionality and website design and consequently the validation of the identified dimensions is done through a survey conducted among the users of online banking. The results were tested through structural equation modelling using AMOS and it was discovered that the identified dimensions significantly determine the overall electronic service quality of internet banking services and finally a measurement scale to assess e-service quality of internet banking from perspective of Indian customers is proposed as the outcome of the study.
    Keywords: e-SQ; scale development; SEM; validity; reliability; AMOS; internet banking.
    DOI: 10.1504/IJEBANK.2021.10042400
  • Forecasting financial markets and credit risk classification using genetic folding algorithm   Order a copy of this article
    by Mohammad A. Mezher 
    Abstract: Making choices is a basic managerial skill. Some financial markets employ credit monitoring and risk analysis to control risk, forcing financial services and consultancy businesses to develop quantitative decision-making models. Incorporating several methods into the classification system for credit risk leads to more substantial research. Several quantitative credit scoring methods are now available for credit risk assessment. Some disadvantages of metaheuristic techniques include local maxima and early convergence. As a consequence, GFLibPy, a free and open source genetic folding (GF) Python toolkit, is provided. This paper aims to provide: 1) a technical explanation of the 'state-of-the-art' GF algorithm in the credit approval and German credit databases; 2) a road map to help management adopt GFLibPy technologies in banking; 3) GFLibPy increases classification accuracy for new loan applications. In testing phase, the GFLibPy performance varied from 81% to 93%.
    Keywords: financial dataset; credit approval; German credit; genetic programming; genetic folding; evolutionary algorithms; classification; risk analysis; Python; toolbox.
    DOI: 10.1504/IJEBANK.2022.10046687