E-Services Technology Based Influence on Banking Users
- September 23, 2021
- Posted by: rsispostadmin
- Categories: Engineering, IJRIAS
International Journal of Research and Innovation in Applied Science (IJRIAS) | Volume VI, Issue VIII, August 2021|ISSN 2454-6194
E-Services Technology Based Influence on Banking Users
Titus Zira Fate and Siyani Ezra Dogo
Federal Medical Centre Katsina , Taraba State Univeristy, Nigeria
ABSTRACT
The purpose of the study is to investigate the electronic based e-service channel on banking users. Focus is given to some selected banking service channels, in this context, the service channel are speed of delivery, convenience, efficiency, reliability & security are considered as service based technology channels. The methodology approach employed was the survey questionnaire administered to the respective users of the banking channels. Five hypotheses were formulated and tested using the Structural Equation Modeling-Partial Least Square (SEM-PLS). A survey of 248 valid questionnaire instruments, were collected from the customers of e-service banking users within Yola metropolis. Data obtained from the customers were analyzed using the SEM-PLS to determine the reliability and validity of the model. Besides, path coefficient and the degree of Influence on banks users were investigated. The findings indicate significant influence on banking users which can be categories as Small, Medium and Large Influence. The paper contributed to both theory & practice, the research developed a model, tested with a data obtained from e-banking users which enable the financial sector know the services they deliver to their customers
Keywords: E-Services, Technology & Banking
1.1 INTRODUCTION
Today almost all the Nigerian electronic based services are automated; technology has contributed in transforming the Financial Institution. Consequently Technology has led to new innovative services, creating market opportunities and introducing new business information systems (Chang, Cheung, & Cheng, 2002). E-based services are electronic automated banking services which could be conducted without the help of the banking employees. The emergence of e-Services (Technology Based) has led to the innovation of new strategies for improving and facilitating customer satisfaction (Adewoye, 2013). E-based services are relatively novel way of transacting business serivices which is information system based, that enable users to transact services in vitual space (Shih & Fang, 2004, pp. 213-223). The automated e-services have much benefit to customers and users of the platform, which includes: convenience, lower turn-out of banks users etc.
