Asian Finance & Banking Review en-US [email protected] (Professor Dr. Arjantin) [email protected] (Help desk) Sat, 28 Jan 2023 00:00:00 +0000 OJS 60 CUSTOMER SATISFACTION ON E-BANKING SERVICES AMONG UNIVERSITY STUDENTS IN MALAYSIA <p style="text-align: justify;"><em>Electronic banking (e-banking) has become increasingly important due to its convenience and benefits to banking customers. The purpose of this study is to examine the factors influencing customer satisfaction with e-banking services among university students in Malaysia. Using a standardized questionnaire, the study utilized a cross-sectional design to collect data from 87 students based in Selangor, Malaysia. The findings show that reliability, security, and perceived usefulness are positively associated with customer satisfaction with e-banking services. These results indicate that customers are more attracted to banks that allow faster transactions via online portals, which are readily available, and customers perceive the system's usefulness in continuing their usage. In addition, customers stress the effectiveness of the website security system as they are concerned with the privacy of their personal information and the safety of their financial transactions while using e-banking. Understanding the factors influencing customer satisfaction with e-banking services will help banking institutions in Malaysia to deliver their customers an effective website with an appropriate setting and upgraded technological development to deliver first-class conditions services.</em></p> <p style="text-align: justify;"><strong> JEL Classification Codes:</strong> M30, M31.</p> Hasnita Halim, Suria Abu Basar, Hanissah Hamzah, Nik Nor Amalina Nik Mohd Sukrri, Abul Bashar Bhuiyan ##submission.copyrightStatement## Sat, 28 Jan 2023 00:00:00 +0000 MOBILE BANKING IN BANGLADESH: A POLICY AND REGULATORY REVIEW <p style="text-align: justify;"><em>Policy and regulatory issues are indispensable for maintaining discipline and protecting the interests of all stakeholders in the mobile banking ecosystem. Bangladesh Bank has issued mobile banking policy guidelines (2011) and mobile financial services regulation (2018) to protect against abuse of these services like financial fraud, money laundering, and terrorist financing, as well as safeguard user funds. This article examined the role of mobile banking policy and the regulatory framework in creating a favourable regulatory environment for mobile banking in Bangladesh. For this purpose, twenty-three KIIs and one questionnaire survey were conducted on 400 respondents in the country's four districts. Many public and private documents and journal articles were also reviewed. A regulatory policy index for mobile banking with ten indicators was developed, and the overall regulatory index score was 0.85 out of 1. Multiple linear regression analysis has also been used in this study. Its regulatory index value, beta coefficient, and R-value, as well as expert opinions, asserted that mobile banking regulatory policy standards have positively influenced the creation of a favourable regulatory environment, even though they demand some modification in terms of account opening minimum age, service charge rate, product diversification, interoperability, and supervision of mobile banking activities. Since multiple agencies are involved in mobile banking policy and regulation, the government can play a vital role in coordination among the multiple agencies to ensure the protection of customers and financial steadiness through a suitable legal structure.</em></p> <p style="text-align: justify;"><strong>JEL Classification Codes: </strong>G21, G28, C83.</p> Mohammad Rezaul Kabir, Md. Amzad Hossain ##submission.copyrightStatement## Thu, 27 Jul 2023 14:16:26 +0000