European Journal of Accounting, Auditing and Finance Research (EJAAFR)

EA Journals


The Impacting of the 4.0 Industrial Revolution to Vietnam Commercial Banks: A Case of the Opportunity and Challenge for the Payment (Published)

In Vietnam, the 4.0 industrial revolution has had a strong impact and promises to create more opportunities and motivation for commercial banks to develop retail banking, especially in enhancing the application of innovative business solutions and breakthrough technology to improve management capabilities, automate business processes and develop cutting-edge retail banking services to deliver seamless customer experience for developing the payment. In addition to the great opportunities, the 4.0 industrial revolution also poses many challenges for commercial banks in enhancing their competitive advantage, upgrading their information technology infrastructure to ensure security and security. New distribution channels and service products for developing the payment. The objectives of this paper were not only to look into the relevant literature but also to find common ground regarding the payment development of commercial banks in Vietnam and reports the results of a survey of 300 persons working for the financial sector in Vietnam. In this paper, the researcher used explore factor analysis (EFA) for determining that are components of the payment of commercial banks in Vietnam. This paper conducted during the time from July 2017 to March, 2018. In addition, the research result showed that there were 300 persons working for the financial sector in Vietnam interviewed but 270 persons processed and answered 12 questions. The researcher had analyzed KMO test, the result of KMO analysis used for multiple regression analysis. Persons’ responses were measured through an adapted questionnaire on a 5-point Likert scale. Hard copy and online questionnaire were distributed among persons working for the financial sector in Vietnam

Keywords: Financial Sector, Internet Payment, The Commercial Bank, e-Banking

E-Banking and Performance of Commercial Banks in Rwanda A Case of Bank of Kigali (Published)

The purpose of this research was to examine the contribution of E-banking towards banking on performance of banking Institutions in Rwanda because according to National bank of Rwanda (NBR Report, 2012) there is delay in payment of checks between banks; time wasted in banks as people line in queue waiting for service, errors as a result of manual work and fraud related cases was common. Bank clients complain of the above hence the researcher was interested to examine the contribution of this system to banking efficiency in Rwanda. The study used descriptive research design by basing on qualitative and quantitative approach in order to get better analysis of the study. Both primary and secondary data collection tools were used with their relevant tools like questionnaire and documentary analysis in order to come up with required data. In the findings it was established that Electronic banking system like ATM, Pay direct, electronic check conversion, mobile telephone banking and E transact has a great impact on bank performance because they increase profitability, reduce bank cost of operations, and increase bank asset and bank efficiency. The great contributions of e banking on banking performance is shown in table 4.21 which provides the relationship between E banking and Performance of bank of Kigali in Rwanda whereby the respondents N is 44 and the significant level is 0.01, the results indicate that independent variable has positive high correlation to dependent variable equal to .656** and the p-value is .000 which is less than 0.01. When p-value is less than significant level, therefore researchers conclude that variables are correlated and null hypothesis is rejected and remains with alternative hypothesis. This means that there is a significant relationship between E banking and Performance of bank of Kigali in Rwanda. As conclusion E banking contributes to positive performance of banks as witnessed by of bank of Kigali.

Keywords: Bank of Kigali, Commercial Banks, Rwanda, e-Banking

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