Internet banking là gì? Các công bố khoa học về Internet banking
Internet Banking, hay ngân hàng trực tuyến, là dịch vụ cho phép thực hiện giao dịch tài chính qua internet, phát triển mạnh từ thập niên 1980. Ưu điểm của Internet Banking bao gồm sự tiện lợi, tiết kiệm thời gian, quản lý tài chính hiệu quả, và chi phí thấp. Các tính năng phổ biến gồm chuyển tiền, thanh toán hóa đơn, quản lý tài khoản, và dịch vụ tiết kiệm. Bảo mật trong Internet Banking đặc biệt chú trọng với các biện pháp như xác thực hai yếu tố và mã hóa dữ liệu. Tương lai, Internet Banking dự kiến tích hợp AI và blockchain để tăng cường tính năng và bảo mật.
Internet Banking: Khái Niệm và Sự Phát Triển
Internet Banking, hay ngân hàng trực tuyến, là một dịch vụ cung cấp bởi các ngân hàng và tổ chức tài chính, cho phép khách hàng tiến hành các giao dịch tài chính thông qua internet. Khái niệm này đã xuất hiện từ những năm 1980 và đã phát triển mạnh mẽ cùng với sự bùng nổ của công nghệ số và internet trong những thập kỷ qua.
Lợi Ích của Internet Banking
Internet Banking mang lại nhiều lợi ích đáng kể cho cả ngân hàng và khách hàng:
- Tiện lợi: Khách hàng có thể thực hiện các giao dịch tài chính mọi lúc, mọi nơi mà không cần đến trực tiếp ngân hàng.
- Tiết kiệm thời gian: Với các thao tác trực tuyến nhanh chóng, người dùng không cần xếp hàng hay chờ đợi.
- Quản lý tài chính hiệu quả: Khách hàng dễ dàng kiểm tra số dư, theo dõi lịch sử giao dịch và lên kế hoạch chi tiêu hiệu quả hơn.
- Chi phí thấp: Thông thường, các giao dịch qua internet banking có chi phí thấp hơn so với giao dịch tại quầy.
Các Tính Năng Thường Thấy của Internet Banking
Các ngân hàng thường cung cấp một loạt các dịch vụ và tính năng trong nền tảng internet banking của mình, bao gồm:
- Chuyển tiền: Dịch vụ cho phép chuyển tiền giữa các tài khoản cùng ngân hàng hoặc khác ngân hàng.
- Thanh toán hóa đơn: Khách hàng có thể thanh toán các hóa đơn điện, nước, internet, và nhiều dịch vụ khác trực tuyến.
- Quản lý tài khoản: Theo dõi số dư tài khoản, sao kê giao dịch, và tiết kiệm ngay trên nền tảng.
- Gửi tiền tiết kiệm trực tuyến: Đăng ký và quản lý các khoản tiền gửi tiết kiệm dễ dàng.
- Dịch vụ khác: Một số ngân hàng còn cung cấp các dịch vụ đầu tư, mua bảo hiểm, và vay online.
Bảo Mật trong Internet Banking
Vấn đề bảo mật luôn là ưu tiên hàng đầu của dịch vụ internet banking. Các ngân hàng đang ngày càng áp dụng nhiều biện pháp bảo mật tiên tiến như:
- Xác thực hai yếu tố: Đòi hỏi người dùng phải cung cấp thêm yếu tố xác thực như OTP (One Time Password) khi đăng nhập hoặc thực hiện giao dịch.
- Mã hóa dữ liệu: Bảo vệ các giao dịch bằng cách mã hóa dữ liệu từ đầu đến cuối.
- Giám sát giao dịch: Sử dụng các công nghệ AI và machine learning để phát hiện các giao dịch bất thường.
Tương Lai của Internet Banking
Với sự phát triển không ngừng của công nghệ, internet banking dự kiến sẽ càng được tích hợp nhiều tính năng thông minh hơn, như:
- Tích hợp AI: Sử dụng trí tuệ nhân tạo để đưa ra các tư vấn tài chính cá nhân hóa cho người dùng.
- Ứng dụng blockchain: Tăng cường tính minh bạch và bảo mật cho các giao dịch tài chính.
- Khả năng tương tác: Phát triển các giao diện thân thiện hơn với người dùng, hỗ trợ đa ngôn ngữ và tích hợp tốt với các dịch vụ khác.
Những đổi mới này hứa hẹn sẽ nâng cao trải nghiệm người dùng, đồng thời thu hút thêm nhiều khách hàng sử dụng dịch vụ ngân hàng trực tuyến trong thời gian tới.
Danh sách công bố khoa học về chủ đề "internet banking":
Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit
Electronic Commerce Research and Applications - Tập 8 Số 3 - Trang 130-141 - 2009
Consumer attitude and behavioural intention towards Internet banking adoption in India
Purpose
– The purpose of this paper is to provide an insight into the determinants of the customers’ attitude and behavioural intention to use Internet banking services, paying special attention to the role of perceived risk, trust, enjoyment, website design and social influence.
Design/methodology/approach
– A research model grounded on the technology acceptance model (TAM) reflecting the effects of trust, perceived risk, perceived enjoyment, perceived website design and social influence on TAM constructs is proposed. The structural equation modelling technique is used to analyse a sample of 697 individual Internet banking users in India through an online survey.
Findings
– The results of data analysis confirm some of the hypotheses drawn from the literature. Consistent with some of the other studies, perceived usefulness, perceived ease of use, trust and perceived enjoyment are found to be immediate direct determinants of customers’ attitude towards using Internet banking. Attitude, perceived risk, perceived enjoyment and trust determine the customers’ behavioural intentions to use Internet banking. Although the direct effect of perceived website design is significant only on perceived ease of use, its indirect effects are significant on perceived usefulness, attitude and behavioural intentions. Furthermore, perceived enjoyment exerts both direct and indirect effects on perceived usefulness but exerts only direct effect on perceived ease of use.
Research limitations/implications
– Generalizability of the research is a practical limitation in consumer research studies and the present study is not an exception to that. The current study focused only on some technological, behavioural and attitudinal factors, and many customer-specific factors and other psychographic and behavioural factors such as cost, perceived value, service quality and satisfaction, which can provide more significant insight into the adoption process, are not a part of the scope of the study.
Practical implications
– This research specifies the implications in three perspectives, viz., theoretical, methodological and managerial. Furthermore, this study provides the practical recommendations to enhance customer trust and guidelines to reduce perceived risk. The most significant implication for the banking sector is that apart from offering useful and user-friendly services, they need to build a trusting relationship with customers.
Originality/value
– This study extends existing body of Internet banking literature by incorporating trust and risk perceptions. The effects of website design and perceived enjoyment on Internet banking acceptance have been examined and were found to be significant in the Indian context. In addition, it enables us to contribute to the current literature on the emerging Indian Internet banking services (IBS) market, which is largely under-researched.
Journal of Indian Business Research - Tập 7 Số 1 - Trang 67-102 - 2015
Enabling internet banking adoption
Purpose
The integration of relevant antecedents into TAM would lead to better understanding of the decision factors which act as enablers for the adoption of internet banking. The purpose of the paper is to determine the influence of the antecedents subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, trialability and government support on the existing constructs of the technology acceptance model (TAM) and to test measurement invariance and the moderating effect of the demographic variables on the relationship between the latent constructs used in this augmented TAM.
Design/methodology/approach
A survey questionnaire was administered on internet banking users and a total of 300 responses were collected. A two-step approach suggested by Hair et al. (2006) and Schumacker and Lomax (2004) was used in this study. The proposed model was assessed using the confirmatory factor analysis approach. The structural model was then tested in order to establish nomological validity. The data based on four demographic dimensions gender, age, income, education were divided into two groups for each of these demographic dimensions. The invariance test was first performed on the measurement model and then on the structural model. The measurement model and structural model were subjected to tests of equivalence of parameters across groups.
Findings
To a large extent the results of the study supports the proposed model and thereby contributes to understand the influence of subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk and government support on internet banking adoption. The predictor variables in the augmented TAM were able to explain 29.9 per cent of the variance in the actual usage of internet banking as compared to the TAM which was able to explain only 26.5 per cent variance in the actual usage of internet banking. A significant difference in the relationship between the different constructs of the model was observed when the model was subjected to multi-group invariance testing.
Research limitations/implications
The study suffers from the same limitations as most other studies involving TAM. In this study self-reported measures about the usage were taken as the actual usage. The findings of the study can be of use to marketers for target-specific marketing by customizing the marketing campaign focussing on the factors that were found to be strong influencers leading to the usage of internet banking for each target audience.
Originality/value
The main challenge in this study was to develop the conceptual model for the internet banking adoption by extending the TAM and to get a robust theoretical support from the extant literature for the relevant factors along with their relationship to uncover new insights about factors responsible for the internet banking adoption. The augmented model had an improved predictive capability and explanatory utility.
Journal of Enterprise Information Management - Tập 30 Số 2 - Trang 263-294 - 2017
Factors affecting internet banking adoption among internal and external customers: a case of Pakistan
International Journal of Electronic Finance - Tập 7 Số 1 - Trang 82 - 2013
Exploring the adoption of a service innovation: A study of Internet banking adopters and non-adopters
Springer Science and Business Media LLC - - 2009
The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption
Purpose
The increasing innovation and urgent need of up-to-date and convenient information systems have gained high importance in financial sector. Several banks have deployed internet banking in order to reduce cost while improving customer services. Therefore, the growth of internet banking is limited and in many cases fallen short of expectations. The purpose of this paper is to develop an integrated model that combines technology, innovative and environmental factors altogether in order to understand customer’s intention to adopt, and intention to recommend internet banking in social networks.
Design/methodology/approach
In all, 398 valid responses were collected from customers of commercial banks, using convenience sampling approach. Data were analyzed using the structural equation modeling.
Findings
The findings show that integrated model has good explanatory power (78.3 percent) to predict customer’s intention to adopt internet banking. Findings also revealed that the interaction effect of gamification between user’s intention to adopt and user’s intention to recommend internet banking will be stronger when gamification effect is higher. Importance performance matrix analysis (IPMA) revealed that innovativeness and perceived technology security were the most important factors in order to determine user’s intention with regard to adoption of internet banking.
Practical implications
For policy-makers, it is suggested that they should focus on innovative characteristics and must ensure the possible environment for carrying out internet banking transaction. Advertising about new technology with adequate information may produce positive influence on user’s intention. Enjoyable internet banking website with reward system will help to improve user’s intention to adopt and intention to recommend internet banking with others, thus developers should introduce game features on internet banking website.
Originality/value
This study provides basis for further refinement of individual technology acceptance models and enrich the e-commerce literature adding innovative and game elements in interne banking adoption context. Additionally, the proposed model makes an important contribution in emerging e-commerce literature especially in the context of innovative and gamified internet banking.
WORLD JOURNAL OF SCIENCE TECHNOLOGY AND SUSTAINABLE DEVELOPMENT - Tập 15 Số 4 - Trang 338-356 - 2018
Challenges of adoption of internet banking service in Yemen
Purpose
– The purpose of this paper is to determine the factors that influence individuals’ intention to adopt internet banking in the Republic of Yemen. The current study found that a lack of empirical studies have been conducted in this field in Arab countries, in general, and in Yemen, in particular.
Design/methodology/approach
– The theory of reasoned action (TRA) was extended by relative advantage, perceived risk, mass media, family’s influence, innovativeness, skepticism and technology readiness (TR). Paper survey was used to collect data from 1,500 bank customers. Structural equation modeling was employed to investigate the relationships between variables. The TRA was extended by relative advantage, perceived risk, mass media, family’s influence, innovativeness, skepticism and TR. Paper survey was used to collect data from 1,500 bank customers. Structural equation modeling was employed to investigate the relationships between variables.
Findings
– Customer’s behavioral intention was significantly influenced by attitude, subjective norms and TR. Overall, the results indicate that the model provides a good understanding of factors that influence the intention to use internet banking service. The model explained 63.8 percent of the variance in the behavioral intention.
Practical implications
– The findings are of great use to banks already offering internet banking but of even greater use for those banks which are planning to offer internet banking services. The results of the study could serve as a guideline for bank managers in understanding the factors and strategic market planning that needs to be initiated to increase internet banking adoption among current and potential customers.
Originality/value
– Factors such as perceived usefulness, perceived ease of use and relative advantage have been found to be the determinants of internet banking adoption in previous studies. Along with the above variables, a new variable called TR has been analyzed in the present study. This kind of study has not been conducted in the Middle East context previously.
International Journal of Bank Marketing - Tập 33 Số 2 - Trang 178-194 - 2015
Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2
Purpose
This study aims to investigate the behavioural intention and adoption of internet banking (IB) among clients of local and foreign Islamic banks in Malaysia.
Design/methodology/approach
Survey questionnaires were distributed among the Islamic banks’ clients at two main states, namely, Kuala Lumpur and Selangor. The number of clients involved is 319 (n = 319). The data was analysed using the partial least square (PLS) and theoretically, the research framework in this study is guided by the unified theory of acceptance and use of technology 2 (UTAUT2).
Findings
The smart PLS analysis yielded three main outcomes, namely, the variables such as performance expectancy, effort expectancy, price value, facilitating conditions and habit have a positive influence over the behavioural intention and subsequently lead to the adoption of IB. The other two variables, namely, social influence and hedonic motivation were negatively-related and insignificant for behavioural intention. Third, this paper also noticed that facilitating conditions and habits have a direct relationship with the adoption of IB.
Practical implications
Based on the findings, Islamic banks can take necessary action to design a better policy to further accelerate the usage of IB among their client. By identifying those factors, this, perhaps, can allow Islamic banks to invest more ideas on those significant factors that influence their interest, and subsequently leads to good business to Islamic banks as the clients nowadays are looking for simplicity and convenience factors when using IB.
Originality/value
This research is expected to enhance existing literature on internet banking, especially in Islamic banking research on the technological edge. Limited research has been done in Malaysia, particularly on the intention and continuous adoption of IB in Islamic banks using the UTAUT2 framework. This would be breakthrough research in identifying factors that influence customers’ continuous adoption of IB.
Emerald - Tập 13 Số 5 - Trang 1171-1197 - 2022
Does gamified elements influence on user’s intention to adopt and intention to recommend internet banking?
Purpose
Understanding the main determinants of internet banking is important for banks and users. Although several prior research projects have focused on the factors that impact on adoption of technology, there is a limited empirical work which simultaneously captures technology-specific factors (PE, EE, WD, GAM) and customer-specific factors (GSC, INTRC) that help customers to adopt internet banking. Thus, the purpose of this paper is to verify how these factors influence individual behavior and motivate them to adopt new technology. The authors advance the body of knowledge on this subject by proposing moderating relationship of gamification between user’s intention to adopt and intention to recommend internet banking in social network.
Design/methodology/approach
To test the model the authors developed a quantitative study involving 398 internet users from five commercial banks. Data were collected in four weeks beginning of September 2017 from three large cities of Pakistan using convenience sampling approach. The theoretical model was tested using structural equation modeling (SEM).
Findings
The results indicate that intention to adopt internet banking is positively affected by performance expectancy, effort expectancy, website design, website characteristics and general self-confidence. Findings of SEM showed that approximately 72 percent of the variance in customer’s intention to adopt internet banking was accounted by predictors. Moderating effect of gamification suggested that the positive relationship between customer’s intention to adopt and customer’s intention to recommend internet banking will be stronger when gamification is higher. Importance performance matrix analysis (IPMA) suggested that among all other variables general self-confidence is the most important construct as it has the highest importance value in IPMA.
Practical implications
This study provides insightful guideline to practitioners, web designers and marketing professional that they should focus on both technology perspective and customer-specific factors to boost the confidence of internet banking users, while for researchers this study provides a basis for further development of technology adoption models in e-commerce domain.
Originality/value
This study contributes to the body of knowledge by adding game elements in technology perspective model and augments the e-commerce literature in the internet banking adoption context. To the date, this study is the first in its nature that investigates both technology-specific factors and customer-specific factors altogether to see the users influence toward technology adoption.
International Journal of Information and Learning Technology - Tập 36 Số 1 - Trang 2-20 - 2019
The role of dimensions of perceived risk in adoption of corporate internet banking by customers in Iran
Electronic Commerce Research - - 2018
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