Customer's adoption of mobile banking in Nepalese commercial banks / Situ Tara Bajracharya 

Public ISBD Title : Customer's adoption of mobile banking in Nepalese commercial banks Material Type: printed text Authors: Situ Tara Bajracharya, Author Publication Date: 2014 Pagination: 100p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking, Mobile Commercial banks Internet banking Mobile commerce Nepal Keywords: 'mobile commerce  mobile banking  banks and banking  commercial banks  nepal  internetbanking' Class number: 332.178 Abstract: Mobile banking is the latest and most innovative service offered by the bank. It refers to provision and aliment of banking and financial services with the help of mobile telecommunication devices. Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications etc. via mobile devices such as mobile phone or personal digital assistant (PDA).It is convenient, simple, secure, anytime and anywhere banking. The viability of the mobile banking channels continues to grow in line with smart phones adoption and proliferation of mobile banking applications. So, the banking industry continues to invest heavily in developing new services and features for mobile banking as banks continue to monitor trends and evaluate the best opportunities for them to strategically invest or partner with key innovators in the space. The major objective of the study is toreveal mechanisms associated with customers’ acceptance of mobile banking services in Nepalese commercial banks. The specific objectives are: to study the influence of demographic variables on mobile banking usage; to investigate the effects of perceived cost on the adoption of mobile banking; to identify the attitude of customers towards the mobile banking system in terms of perceived usefulness; to determine the ease of using mobile banking system; to measure the trust of users on mobile banking system; to determine the quality and quantity of information the customers have on the mobile banking system; to determine the innovativeness and awareness in mobile services adoption; to identify the customers perceived risk towards mobile banking system. Based on the literature reviews, this study has proposed the conceptual framework identifying perceived usefulness, perceived ease of use, perceived risk, service quality, trust, perceived cost and awareness as the most important factors that determine the customers’intention to adopt of mobile banking services in the context of Nepal. The study is based on primary sources of data. The primary sources of data are used to assess the opinion of the respondents regarding the factors influencing customers’ intention to adopt mobile banking. The study is both qualitative and quantitative in nature. The study undertakes descriptive and inferential research design. For the study purpose, 250 structured questionnaires were distributed to different respondents out of which 193 questionnaires were collected through friends circle and relatives. The response rate of the study is 77.2% from different customers of commercial banks. The type of the bank isdivided into three categories: public banks, joint venture banks and government owned banks based on the respondents’ responses. Frequency, chi-square test, Kendall’s tau rank correlation test and descriptive statistics like mode are used for analysis purpose. Cronbach’s alpha is also used for the reliability and validity of the questionnaire so that the result can be accurate and with minimum bias. Cross tabulation on the basis of the strata of the investor is performed in order to test for the significance of the response. The major conclusion of the study is that mobile banking is a new era in banking industry in which banks are spending considerable amount of money to have it available to their customers and to cut their operation costs. Unfortunately, the result shows that large numbers of customers does not use mobile banking for various reasons despite its benefits. The major concern among customers is the safety regarding mobile banking services which forms real obstacles to use the service, followed by network problem and insufficient operating guidance. The study also concludes that people who have adopted mobile banking are young, technically savvy and time-pressured. It shows that younger customers are more interested and eager to use mobile banking than the older ones.But young customers are the ones who are less satisfied with mobile banking. Most of the customers use mobile banking services for account enquiries, alert on account activity, pay electricity and purchase NTC prepaid recharge card. The increase in the use of mobile banking reduces bank visit with reduction in cost efficiency of the bank. There is positive link between perceived usefulness and profession of the mobile banking users. Most of the male users feel mobile banking easy to use. The increasing age have less relation with more positive outcomes in mobile banking. Service quality of mobile banking depends on type of the bank. Most of the user of joint venture bank trust mobile banking as honest services. The perceived cost has negative influence to adopt mobile banking services. Therefore awareness plays a significant role that influence mobile banking services provided by the bank. Thus mobile banking in Nepalese commercial bank has made bank-customer relationship more complex and less personal today. Customer's adoption of mobile banking in Nepalese commercial banks [printed text] / Situ Tara Bajracharya, Author . - 2014 . - 100p. ; GRP/Thesis + 2/B. Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking, Mobile Commercial banks Internet banking Mobile commerce Nepal Keywords: 'mobile commerce  mobile banking  banks and banking  commercial banks  nepal  internetbanking' Class number: 332.178 Abstract: Mobile banking is the latest and most innovative service offered by the bank. It refers to provision and aliment of banking and financial services with the help of mobile telecommunication devices. Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications etc. via mobile devices such as mobile phone or personal digital assistant (PDA).It is convenient, simple, secure, anytime and anywhere banking. The viability of the mobile banking channels continues to grow in line with smart phones adoption and proliferation of mobile banking applications. So, the banking industry continues to invest heavily in developing new services and features for mobile banking as banks continue to monitor trends and evaluate the best opportunities for them to strategically invest or partner with key innovators in the space. The major objective of the study is toreveal mechanisms associated with customers’ acceptance of mobile banking services in Nepalese commercial banks. The specific objectives are: to study the influence of demographic variables on mobile banking usage; to investigate the effects of perceived cost on the adoption of mobile banking; to identify the attitude of customers towards the mobile banking system in terms of perceived usefulness; to determine the ease of using mobile banking system; to measure the trust of users on mobile banking system; to determine the quality and quantity of information the customers have on the mobile banking system; to determine the innovativeness and awareness in mobile services adoption; to identify the customers perceived risk towards mobile banking system. Based on the literature reviews, this study has proposed the conceptual framework identifying perceived usefulness, perceived ease of use, perceived risk, service quality, trust, perceived cost and awareness as the most important factors that determine the customers’intention to adopt of mobile banking services in the context of Nepal. The study is based on primary sources of data. The primary sources of data are used to assess the opinion of the respondents regarding the factors influencing customers’ intention to adopt mobile banking. The study is both qualitative and quantitative in nature. The study undertakes descriptive and inferential research design. For the study purpose, 250 structured questionnaires were distributed to different respondents out of which 193 questionnaires were collected through friends circle and relatives. The response rate of the study is 77.2% from different customers of commercial banks. The type of the bank isdivided into three categories: public banks, joint venture banks and government owned banks based on the respondents’ responses. Frequency, chi-square test, Kendall’s tau rank correlation test and descriptive statistics like mode are used for analysis purpose. Cronbach’s alpha is also used for the reliability and validity of the questionnaire so that the result can be accurate and with minimum bias. Cross tabulation on the basis of the strata of the investor is performed in order to test for the significance of the response. The major conclusion of the study is that mobile banking is a new era in banking industry in which banks are spending considerable amount of money to have it available to their customers and to cut their operation costs. Unfortunately, the result shows that large numbers of customers does not use mobile banking for various reasons despite its benefits. The major concern among customers is the safety regarding mobile banking services which forms real obstacles to use the service, followed by network problem and insufficient operating guidance. The study also concludes that people who have adopted mobile banking are young, technically savvy and time-pressured. It shows that younger customers are more interested and eager to use mobile banking than the older ones.But young customers are the ones who are less satisfied with mobile banking. Most of the customers use mobile banking services for account enquiries, alert on account activity, pay electricity and purchase NTC prepaid recharge card. The increase in the use of mobile banking reduces bank visit with reduction in cost efficiency of the bank. There is positive link between perceived usefulness and profession of the mobile banking users. Most of the male users feel mobile banking easy to use. The increasing age have less relation with more positive outcomes in mobile banking. Service quality of mobile banking depends on type of the bank. Most of the user of joint venture bank trust mobile banking as honest services. The perceived cost has negative influence to adopt mobile banking services. Therefore awareness plays a significant role that influence mobile banking services provided by the bank. Thus mobile banking in Nepalese commercial bank has made bank-customer relationship more complex and less personal today.

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Impact of foreign bank penetration on Nepalese commercial banks / Smita Shakya 

Public ISBD Title : Impact of foreign bank penetration on Nepalese commercial banks Material Type: printed text Authors: Smita Shakya, Author Publication Date: 2014 Pagination: 91p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking-Foreign Commercial banks Nepal Keywords: 'foreign bank  penetration  banks  banks and banking  commercial banks  nepal' Class number: 346.730 Abstract: Nepalese financial system has seen a tremendous growth in terms of number of institutions and in terms of products and services. Industry's growth coupled with the rapid development in information and communication technology not only increased the banking products to the consumers but also fostered the competition and increased the complexities, risks and challenges in the banking industry. There are limited numbersof foreign banks in Nepal and there is unclear view about whether entering of foreign banks, including joint venture, helps to improve overall performance of bankingsector as well as to spillover some benefit to domestic commercial banks in Nepal.The major objective of this study is to examine the impact of foreign bank penetrationon Nepalese commercial banks. The review of literature has shown that the foreign banks penetration influenced interest rate spreads, operating expenses, profitability and risk of domestic bank.Besides examining effect of foreign presence, the literatureincluded two sets of variables to control for other determinants of domestic banks performance. While the first set consists of bank variables, the second set of variables includes general economic indicators.Based on the literature reviews, this study has proposed the conceptual framework identifyingforeign presence,bank variables and general economic indicatorsas the most important factors that determine the performance evaluation of commercial banks in the context of Nepal. This study is based on primary as well as secondary data. For the purpose of study 14 commercial banks which are established before 2000/01are divided into three strata (government owned, joint venture and non-joint venture) is taken as sample.Required data of dependent variables (interest rate spread, accounting profitability, operating expenses and risk) and independent variables(entry number, foreign ownership, non-interest earning assets, equity levels, operating expenses, relative bank size, inflation, capital scarcity, reserve requirements, economic growth) are collected from various secondary sources for the period of 2001/02 to 2011/12.Primary survey questionnaire is conducted in order to assess the opinion impact of foreign bank presence on Nepalese commercial banks. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank performance variables and foreign presence variables, bank specific variables and general economic variables. This study concludes that the impact of foreign bank penetration have strong impact on operating expenses and risk whereas foreign bank penetration have no impact on interest rate spread and profitability in context of Nepalese commercial banks. Foreign entry and foreign ownership have positive and significant impact on operating expenses of Nepalese commercial bank. Likewise, the penetration of foreign bank has positive and significant impact on risk.The result also shows that operating expenses, relative bank size are the most dominant variable that affects interest rate spread. Likewise non-interest earning assets and relative bank size are the most influencing factor of operating expenses. Similarly, GDP and equity level has strong impact on both accounting profitability and risk. Based on the primary survey result, most of the employees believe that that the entry of foreign banks influence domestic banks to induce good banking practice whereas it also reduces credibility of local banks.Likewise, the primary survey results most employees agrees with the statement that foreign presence brings opportunity to domestic banks and suggests that central bank should allow foreign banks to conduct retail banking to bring competition to domestic banks. Similarly, the employees suggested that domestic banks should modernize their banking system to increase the efficiency of the banks. The recommendation put forward by this study is that domestic banks are suggested to influence in corporate governance of the banking system and culture of effective product development and operation. Similarly commercial banks are suggested to be vigilant and quick on adapting to the advanced technologies in order to compete with foreign banks without lacking behind. The major limitation of this study lies in the fact that this study hasexcluded the time period, particularly from the beginning of liberalization of foreign ownership in mid-1980's, after the issuance of the new regulation due to lack of financial data the study has The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of impact of foreign bank penetration on Nepalese commercial banks. Impact of foreign bank penetration on Nepalese commercial banks [printed text] / Smita Shakya, Author . - 2014 . - 91p. ; GRP/Thesis + 2/B. Including bibliography Languages : English Descriptors: Banks Banks and banking Banks and banking-Foreign Commercial banks Nepal Keywords: 'foreign bank  penetration  banks  banks and banking  commercial banks  nepal' Class number: 346.730 Abstract: Nepalese financial system has seen a tremendous growth in terms of number of institutions and in terms of products and services. Industry's growth coupled with the rapid development in information and communication technology not only increased the banking products to the consumers but also fostered the competition and increased the complexities, risks and challenges in the banking industry. There are limited numbersof foreign banks in Nepal and there is unclear view about whether entering of foreign banks, including joint venture, helps to improve overall performance of bankingsector as well as to spillover some benefit to domestic commercial banks in Nepal.The major objective of this study is to examine the impact of foreign bank penetrationon Nepalese commercial banks. The review of literature has shown that the foreign banks penetration influenced interest rate spreads, operating expenses, profitability and risk of domestic bank.Besides examining effect of foreign presence, the literatureincluded two sets of variables to control for other determinants of domestic banks performance. While the first set consists of bank variables, the second set of variables includes general economic indicators.Based on the literature reviews, this study has proposed the conceptual framework identifyingforeign presence,bank variables and general economic indicatorsas the most important factors that determine the performance evaluation of commercial banks in the context of Nepal. This study is based on primary as well as secondary data. For the purpose of study 14 commercial banks which are established before 2000/01are divided into three strata (government owned, joint venture and non-joint venture) is taken as sample.Required data of dependent variables (interest rate spread, accounting profitability, operating expenses and risk) and independent variables(entry number, foreign ownership, non-interest earning assets, equity levels, operating expenses, relative bank size, inflation, capital scarcity, reserve requirements, economic growth) are collected from various secondary sources for the period of 2001/02 to 2011/12.Primary survey questionnaire is conducted in order to assess the opinion impact of foreign bank presence on Nepalese commercial banks. Likewise, multiple regression analysis and correlation analysis are used to examine the relationship between bank performance variables and foreign presence variables, bank specific variables and general economic variables. This study concludes that the impact of foreign bank penetration have strong impact on operating expenses and risk whereas foreign bank penetration have no impact on interest rate spread and profitability in context of Nepalese commercial banks. Foreign entry and foreign ownership have positive and significant impact on operating expenses of Nepalese commercial bank. Likewise, the penetration of foreign bank has positive and significant impact on risk.The result also shows that operating expenses, relative bank size are the most dominant variable that affects interest rate spread. Likewise non-interest earning assets and relative bank size are the most influencing factor of operating expenses. Similarly, GDP and equity level has strong impact on both accounting profitability and risk. Based on the primary survey result, most of the employees believe that that the entry of foreign banks influence domestic banks to induce good banking practice whereas it also reduces credibility of local banks.Likewise, the primary survey results most employees agrees with the statement that foreign presence brings opportunity to domestic banks and suggests that central bank should allow foreign banks to conduct retail banking to bring competition to domestic banks. Similarly, the employees suggested that domestic banks should modernize their banking system to increase the efficiency of the banks. The recommendation put forward by this study is that domestic banks are suggested to influence in corporate governance of the banking system and culture of effective product development and operation. Similarly commercial banks are suggested to be vigilant and quick on adapting to the advanced technologies in order to compete with foreign banks without lacking behind. The major limitation of this study lies in the fact that this study hasexcluded the time period, particularly from the beginning of liberalization of foreign ownership in mid-1980's, after the issuance of the new regulation due to lack of financial data the study has The study remains enough ground for future researcher in the same topic. The future studies can be carried out by selecting other financial institutions like development banks, public banks and finance companies to grab the wider view of impact of foreign bank penetration on Nepalese commercial banks.

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Management of banking and financial services / Suresh, Padmalata ; Justin Paul

Public ISBD Title : Management of banking and financial services Material Type: printed text Authors: Suresh, Padmalata, Author ; Justin Paul, Author Edition statement: 2nd ed Publisher: Delhi: Pearson Education Publication Date: 2013 Pagination: 592p Size: Books Price: Rs.880 Languages : English Descriptors: Bank Management. Banks and banking Finance Keywords: 'bank Managemen  banks and banking  Finance' Class number: 332.109 Management of banking and financial services [printed text] / Suresh, Padmalata, Author ; Justin Paul, Author  . -  2nd ed . - [S.l.] : Delhi: Pearson Education, 2013 . - 592p ; Books. Rs.880 Languages : English Descriptors: Bank Management. Banks and banking Finance Keywords: 'bank Managemen  banks and banking  Finance' Class number: 332.109

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Customer's attitudes towards internet banking service: evidence from Nepalese commercial banks / Puspana Kafle 

Public ISBD Title : Customer's attitudes towards internet banking service: evidence from Nepalese commercial banks Material Type: printed text Authors: Puspana Kafle, Author Publication Date: 2012 Pagination: 80p. Size: GRP/Thesis Accompanying material: 1/B General note: Including bibliography Languages : English Descriptors: Bank marketing Banks Banks and banking Commercial banks Consumers-Attitude Direct marketing Nepal Keywords: 'consumers attitudes  bank marketing  banks  banks and banking  commercial banks  nepal  puspana kafle' Class number: 332.106 Customer's attitudes towards internet banking service: evidence from Nepalese commercial banks [printed text] / Puspana Kafle, Author . - 2012 . - 80p. ; GRP/Thesis + 1/B. Including bibliography Languages : English Descriptors: Bank marketing Banks Banks and banking Commercial banks Consumers-Attitude Direct marketing Nepal Keywords: 'consumers attitudes  bank marketing  banks  banks and banking  commercial banks  nepal  puspana kafle' Class number: 332.106

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Customer satisfaction with Internet banking services: evidence from Nepalese commercial banks / Rupa Maharjan 

Public ISBD Title : Customer satisfaction with Internet banking services: evidence from Nepalese commercial banks Material Type: printed text Authors: Rupa Maharjan, Author Publication Date: 2014 Pagination: 72p. Size: GRP/Thesis Accompanying material: 3/D General note: Including bibilography Languages : English Descriptors: Customer satisfaction Banking Banks Banks and banking Commercial banks Internet banking Nepal Keywords: 'internet banking  banks  banks and banking  commercial banks  nepal  customer  customer satisfaction' Class number: 332.102 Customer satisfaction with Internet banking services: evidence from Nepalese commercial banks [printed text] / Rupa Maharjan, Author . - 2014 . - 72p. ; GRP/Thesis + 3/D. Including bibilography Languages : English Descriptors: Customer satisfaction Banking Banks Banks and banking Commercial banks Internet banking Nepal Keywords: 'internet banking  banks  banks and banking  commercial banks  nepal  customer  customer satisfaction' Class number: 332.102

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Internet banking and customer satisfaction: a case of Nepalese commercial banks / Elish Shrestha 

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Bank specific and macroeconomic determinants of non-performing loans evidence from commercial banks of Nepal / Garima Dawadi 

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Corporate social responsibility and financial performance of Nepalese commercial banks / Surendra Gurung 

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Customer switching behavior in the retail banking industry of Nepal / Shazia Thapa 

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Depositors knowledge and perception about deposit insurance in Nepalese commercial banks / Bikash Gajurel 

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