Electronic Banking Products and Services of Private Commercial Banks in Bangladesh: Present Status and Challenges (Published)
Bill Gates (2008) announced “banking is essential, banks are not”. This quotation means, the traditional branch banking is going to vanish in order to be surrogated by Electronic Banking (E-banking) which continues to attract new users. It provides users, working with a home computer attached by network to their bank, with the ability to authorize payments, reconcile accounts, and access a variety of other banking services with the help of ATM, Visa Card, Master Card, Q-cash, E-cash, Ready cash, Mobile, Internet etc. E-banking has a lot of benefits which add value to customers’ satisfaction. For collecting the data a highly structured questionnaire was made. The questionnaire was designed into four parts. The statistical techniques used for the analysis were the descriptive analysis, ANOVA analysis and Chi-Square test. There are some associated challenges identified in the study that seem to hinder the success of e-banking services and thus constitute major concern to both financial institutions and customers. The paper recommends various measures should be put in place to make e-banking system smooth, effective and more secure. This paper concludes that e-banking has become important phenomenon in the banking industry and it will continue as more progress and innovations are made in information technology
Keywords: Banking Sector, Challenges and Trends, Online Banking, Private Commercial Banks, e-Banking
THE MODERATION EFFECT OF MANAGERIAL STATUS ON WORK-FAMILY CONFLICT-TURNOVER INTENTION RELATIONSHIP (Published)
We examined the extent to which managerial status moderated the relationship between work-family conflict and turnover intention among employees in the Ghanaian banking sector. Predictive correlational design was used. One hundred and twenty-one (n=121) participants were sampled conveniently for the study. Reliable questionnaires were adopted for the study. All the scales were confirmed reliable following pilot study. Moderated hierarchical regressions analysis was performed to test the hypothesis in the study. Pearson correlation test was performed to satisfy the assumption underlying the use of moderation test. We also centred the moderator and independent variables to reduce the effect of multicollinearity. The analyses showed that work-family conflict significantly and positively predicted employee’s intention to leave their current organization. It was also observed that, managerial status significantly moderated the predictive relationship between work-family conflict and turnover intentions. The findings have significant implications on role and spill over theories of work-family conflict as well as on the management of organizations in contemporary times. The implications and limitations of the findings have been discussed
Keywords: Banking Sector, Ghana, Managerial Status, Role Theory, Spill Over Theory, Turnover Intentions, Work-Family Conflict