Analysis of Electronic Banking Services & Its Issues in Pakistan

Habibullah Khan

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Analysis of Electronic Banking Services & Its Issues in Pakistan

机译：电子银行服务分析及其在巴基斯坦的问题

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Technology is making a tremendous impact upon financial services sector is no exception. Today, banks take special attention to customers' perspective by providing quality of services. Loyalty is a very important issue for customers and for the sake of organizational benefits, the banks need to obtain customer satisfaction due to competitive market. In the areas of services the concept of service quality plays a central role in understanding customer satisfaction and retention. To improve the efficiency and enhance pace of working information technology is playing a fundamental role in any business. This becoming a critical success factor to gain competitive edge than competitors. Electronic banking includes phone or mobile banking, Internet or online banking and email banking and ATM. banking Sector or industry, bringing up new product called online banking or e-banking. Customer needs and requirements are changing day by day. Customer wants instant response, access, convenience and security. There are several issues in electronic banking which customer face; including Non availability of sufficient cash in ATM in particular occasion and time, Link down, customer account debited but receiver’s account is not debited, pin generation process and card blocking process and any cash transaction related problems. The Banks now use different mobile applications app, MAC ID system and code generation to double verify the PIN and customer verification tactics in online banking to secure the customers transactions. The technology brings easiness, reliability and competence. The rate of success of these new products will depend on the suitability of the technology selected for the customers in banks. A well-defined security system and audit plan will ensure the long term success of IT plans of banks. Security is the most critical factor for banks now a days.

机译：技术对金融服务部门产生了巨大影响并不例例。今天，银行通过提供服务质量来特别关注客户的观点。忠诚是客户的一个非常重要的问题，并为了组织福利，银行需要由于市场竞争力而获得客户满意度。在服务领域，服务质量的概念在理解客户满意度和保留方面发挥着核心作用。为了提高工作信息技术的效率和增强速度在任何业务中都在发挥重要作用。这成为获得竞争优势的重要成功因素，而不是竞争对手。电子银行业务包括电话或移动银行，互联网或网上银行和电子邮件银行和ATM。银行业或行业，带来新产品，称为网上银行或电子银行。客户需求和要求日复一日。客户希望即时响应，访问，方便和安全性。客户面临的电子银行业务有几个问题;在特定的场合和时间内，在ATM中提供足够的现金，链接，客户账户借记，但接收者的账户没有借方，引脚生成过程和卡片阻塞过程以及任何现金交易相关问题。银行现在使用不同的移动应用程序应用程序，MAC ID系统和代码生成来双重验证在线银行中的引脚和客户验证策略，以确保客户交易。该技术带来了容易性，可靠性和能力。这些新产品的成功率将取决于为银行客户选择的技术的适用性。明确的安全系统和审计计划将确保其银行计划的长期成功。安全是银行现在最关键的因素。

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《European Journal of Business and Management》 |2016年第34期|共8页
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Habibullah Khan;
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1. Mediating Effect of Electronic Banking Application on the Relationship Between Electronic Islamic Banking Services’ Quality and Customers Satisfaction in Jordan [J] . Haneen A. AL-khawaja, Besar bin Ngah, Mohammad M. Alzubi International Journal of Open Problems in Computer Science and Mathematics . 2020,第2期

机译：电子银行申请对电子伊斯兰银行服务素质与约旦客户满意度关系的调解效应
2. Globalisation and the Nigerian banking industry: efficiency and legitimacy considerations in the adoption of electronic banking (e-banking) services [J] . Abiodun O. Bada, Adekunle Okunoye, Ephrem Eyob, International journal of management and decision making . 2006,第5期

机译：全球化与尼日利亚银行业：采用电子银行（电子银行）服务时的效率和合法性考虑
3. An Analysis of Customer Perceptions on Services of Electronic Banking in Bangladesh [J] . Mohammad Masudur Rahman, Muhammad Ataur Rahman, Md Neshat Fahmed International Journal of Business and Management . 2017,第1期

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4. E-banking services as a compettitive edge in Pakistan banking sector: Recent adopters prospective [C] . Aisha Rauf, Sundas Rauf, Rashid Mehmood, 2018 International Conference on Information Management and Processing . 2018

机译：电子银行服务是巴基斯坦银行业的竞争优势：新近采用者前景广阔
5. E-Business Strategy to Adopt Electronic Banking Services in Ethiopia [D] . Weldearegay, Teklebrhan. 2017

机译：电子商务战略在埃塞俄比亚采用电子银行服务
6. Integrative Specimen Information Service – a Campus-Wide Resource for Tissue Banking Experimental Data Annotation and Analysis Services [O] . Gunther Schadow, Rakesh Dhaval, Clement J McDonald, 2006

机译：综合标本信息服务–校园范围的组织银行资源实验数据注释和分析服务资源
7. This study aims at examining the effects of electronic banking on banks profitability in Jordan. How banking sector finds itself before a new fact imposed by technology revolution and digits to change their work mechanisms from traditional means to electronic means and the challenges banks face as a result. Furthermore, this study investigates the reasons behinds providing electronic banking services through internet, their impact on banking services in general and banks profitability in particular. Risks and challenges involved are discussed Results and recommendations are included. Results revealed that electronic banking service has a negative effect on banks profitability on the short term. The importance of this study and the factors that make it unique is that, it discusses solely the topic of the effects of electronic banking on banks profitability, while most of other studies discuss the topic in general term. The findings of the study are the impact of electronic banking on banks profitability will be feature of the short run due to the capital investment by the banks on infrastructure and training but will be positive on the long run. [O] . Ahmad Z. Siam 2006

机译：这项研究旨在研究电子银行业务对约旦银行盈利能力的影响。在技术革命和数字技术将新的工作机制从传统手段转变为电子手段以及银行面临的挑战之前，银行业如何发现自己。此外，本研究调查了通过互联网提供电子银行服务背后的原因，它们对总体银行服务的影响，尤其是对银行盈利能力的影响。讨论了涉及的风险和挑战包括结果和建议。结果显示，电子银行服务在短期内对银行的盈利能力有负面影响。这项研究及其独特性的重要性在于，它仅讨论电子银行业务对银行盈利能力的影响这一主题，而其他大多数研究则从总体上讨论该主题。该研究的结果是，由于银行对基础设施和培训的资本投资，电子银行对银行盈利能力的影响将是短期的特征，但从长远来看将是积极的。

Analysis of Electronic Banking Services & Its Issues in Pakistan

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