Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania

Autores:: Lila, Armelina
Tanushev, Christian

Tipo de recurso:: Article of journal

Fecha de publicación:: 2024

Institución:: Universidad Pedagógica y Tecnológica de Colombia

Repositorio:: RiUPTC: Repositorio Institucional UPTC

Idioma:

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repository_id_str
dc.title.es-ES.fl_str_mv	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
title	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
spellingShingle	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania servicios de Internet entidades bancarias tecnologías de la información y las comunicaciones comportamiento de los usuarios satisfacción con la calidad del producto Albania Internet services banking institutions information and communication technologies user behaviour satisfaction with product quality Albania
title_short	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
title_full	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
title_fullStr	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
title_full_unstemmed	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
title_sort	Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania
dc.creator.fl_str_mv	Lila, Armelina Tanushev, Christian
dc.contributor.author.none.fl_str_mv	Lila, Armelina Tanushev, Christian
dc.subject.none.fl_str_mv	servicios de Internet entidades bancarias tecnologías de la información y las comunicaciones comportamiento de los usuarios satisfacción con la calidad del producto Albania Internet services banking institutions information and communication technologies user behaviour satisfaction with product quality Albania
topic	servicios de Internet entidades bancarias tecnologías de la información y las comunicaciones comportamiento de los usuarios satisfacción con la calidad del producto Albania Internet services banking institutions information and communication technologies user behaviour satisfaction with product quality Albania
publishDate	2024
dc.date.accessioned.none.fl_str_mv	2024-07-13 00:00:00 2026-04-16T17:10:54Z
dc.date.available.none.fl_str_mv	2024-07-13 00:00:00
dc.date.issued.none.fl_str_mv	2024-07-13
dc.type.spa.fl_str_mv	Artículo de revista
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dc.identifier.doi.none.fl_str_mv	10.19053/uptc.01203053.v43.n78.2024.17216
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dc.identifier.url.none.fl_str_mv	https://doi.org/10.19053/uptc.01203053.v43.n78.2024.17216
identifier_str_mv	0120-3053 10.19053/uptc.01203053.v43.n78.2024.17216 2256-5779
url	https://repositorio.uptc.edu.co/handle/001/18675 https://doi.org/10.19053/uptc.01203053.v43.n78.2024.17216
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dc.relation.references.none.fl_str_mv	Abdullayev, K., Abdullayev, R., Yusifov, E., Babazade, I., & Fataliyeva, G. (2024). Main Areas of Development of the Digital Economy in the Republic of Azerbaijan. Economics of Development, 23(1), 78-88. https://doi.org/10.57111/econ/1.2024.78 Aboobucker, I. 2020. What Motivates the Adoption Intention of E-Banking Services: The Moderating Role of Age and Gender. Asian Journal of Management Studies, 1(2), 128-143. https://doi.org/10.4038/ajms.v1i2.38 Kote, K. (2023, 10 de marzo). Albanians Performed over Five Mln Banking Actions Online in 2022. Albanian Daily News. https://albaniandailynews.com/news/albanians-performed-over-five-mln-banking-actions-online-in-2022- Anamali, A., Zisi, A., & Shosha, B. (2021). Banking Service in Albania: Satisfied…from What? Universal Journal of Accounting and Finance, 9(4), 735-744. https://doi.org/10.13189/ujaf.2021.090419 Ayinaddis, S. G., Taye, B. A., & Yirsaw, B. G. (2023). Examining the Effect of Electronic Banking Service Quality on Customer Satisfaction and Loyalty: An Implication for Technological Innovation. Journal of Innovation and Entrepreneurship, 12, 22. https://doi.org/10.1186/s13731-023-00287-y Bank of Albania. (2022). Annual Report 2021. https://www.bankofalbania.org/Publications/Periodic/Annual_Report/Annual_Report_2021.html Bank of Albania. (2023). Payment Systems Statistics of Albania. https://www.bankofalbania.org/Payments/Payment_systems_statistics/ Beshir, E. S., & Zelalem, B. A. (2020). The Effect of E-Banking Service Quality on Customer's Satisfaction and Loyalty. The Strategic Journal of Business & Change Management, 7(3), 818-832. https://doi.org/10.61426/sjbcm.v7i3.1694 CEIC Data (2022). Albania Number of Commercial Banks. CEIC. https://www.ceicdata.com/en/albania/banks-concentration-indicators/no-of-commercial-banks Habili, M., Muharremi, O., & Hoxhaj, M. (2022). Analysis of the Variables Influencing People's Propensity to Use Online Banking Services in Albania. International Journal of Finance & Banking Studies, 11(4), 58-65. https://doi.org/10.20525/ijfbs.v11i4.2266 Hoxhaj, M., & Muharremi, O. (2022). Coronavirus: An Empirical Study of the Pandemic's Effect on Albanian Online Banking Services. International Journal of Electronic Banking, 3(2), 121-143. https://doi.org/10.1504/IJEBANK.2022.122229 Islam, T., Saif-Ur-Rehman, Abid, Ch. M. S., & Ahmer, Z. (2020). How Perceptions about Ease of Use and Risk Explain Intention to Use Mobile Payment Services in Pakistan? The Mediating Role of Perceived Trust. Pakistan Journal of Commerce and Social Sciences, 14(1), 34-48. Ismael, D. M., Salah Ali, S., Adel Elsharkawi, S. (2021). Consumers' Intention to Adopt Digital Financial Services in Egypt: An Extended Technology Acceptance Model. Journal of Alexandria University for Administrative Sciences, 58(5), 273-311. https://doi.org/10.21608/acj.2021.208142 Ismaili, E., & Braimllari, A. (2021). Factors Influencing the Frequency of Use of E-Banking Services in Albania. In 4th International Conference on Recent Trends and Applications in Computer Science and Information Technology. CEUR Workshop Proceedings. https://ceur-ws.org/Vol-2872/paper08.pdf Jolly, V. (2016). The Inf luence of Internet Banking on the Efficiency and Cost Savings for Banks' Customers. International Journal of Social Sciences and Management, 3(3), 163-170. https://doi.org/10.3126/ijssm.v3i3.15257 Karim, M.W., Ulfy, M.A., & Huda, N. (2020). Determining Intention to Use Smartphone Banking Application among Millennial Cohort in Malaysia. International Journal of Management and Sustainability, 9(1), 43-53. https://doi.org/10.18488/journal.11.2020.91.43.53 Kemp, S. (2023). Digital 2023: Albania. DataReportal. https://datareportal.com/reports/digital-2023-albania. Khlystun, D. (2023). Improvement of the System for Management of Organization's Communication with Consumers by Automating the Service Provision Process in the CRM Environment. Economic Bulletin of Cherkasy State Technological University, 23(1), 19-28. https://doi.org/10.24025/2306-4420.68.2023.284535 Khodakivska, O., Kobets, S., Bachkir, I., Martynova, L., Klochan, V., Klochan, I., & Hnatenko, I. (2022). Sustainable Development of Regions: Modeling the Management of Economic Security of Innovative Entrepreneurship. International Journal of Advanced and Applied Sciences, 9(3), 31-38. Kör, B., Wakkee, I., & Van der Sijde, P. (2021). How to promote Managers' Innovative Behavior at Work: Individual Factors and Perceptions. Technovation, 99, 102127. https://doi.org/10.1016/j.technovation.2020.102127 Kumar, A., Mehra, A., & Kumar, S. (2019). Why Do Stores Drive Online Sales? Evidence of Underlying Mechanisms from a Multichannel Retailer. Information Systems Research, 30(1), 319-338. https://doi.org/10.1287/isre.2018.0814 Le-Hoang, P. V. (2021). Intention to Use M-Banking Application: An Empirical Study in Ho Chi Minh City. Independent Journal of Management & Production, 12(2), 637-653. https://doi.org/10.14807/ijmp.v12i2.1256 Majumdar, S., & Pujari, V. (2021). Exploring Usage of Mobile Banking Apps in the UAE: A Categorical Regression Analysis. Journal of Financial Services Marketing, 27, 177-189. https://doi.org/10.1057/s41264-021-00112-1 Markovych, I. (2024). The Influence of Behavioral Encouragement (Monitoring) on the Culture of Consumption. Economic Forum, 1(4), 32-37. Mishchenko, V., Naumenkova, S., Grytsenko, A., & Mishchenko, S. (2022). Operational Risk Management of Using Electronic and Mobile Money. Banks and Bank Systems, 17(3), 142-157. https://doi.org/10.21511/bbs.17(3).2022.12 Mwiya, B., Katai, M., Bwalya, J., Kayekesi, M., Kaonga, S., Kasanda, E., Munyonzwe, C., Kaulungombe, B., Sakala, E., Muyenga, A., & Mwenya, D. (2022). Examining the Effects of Electronic Service Quality on Online Banking Customer Satisfaction: Evidence from Zambia. Cogent Business & Management, 9(1), 2143017. https://doi.org/10.1080/23311975.2022.2143017 Niyazbekova, S., Zverkova, A., Sokolinskaya, N., & Kerimkhulle, S. (2023). Features of the "Green" Strategies for the Development of Banks. E3S Web of Conferences, 402, 08029. https://doi.org/10.1051/e3sconf/202340208029 Palamarchuk, O., & Korkach, I. (2023). Trends in the Development of Digital Marketing in Modern Business Conditions. University Economic Bulletin, 18(2), 63-68. https://doi.org/10.31470/2306-546X-2023-57-63-68 Prymostka, L., & Kysil, T. (2023). Intelligent Information Systems of the Banking Sector: General Characteristics and Information Environment. Scientific Bulletin of Mukachevo State University. Series "Economics", 10(4), 43-53. https://doi.org/10.52566/msu-econ4.2023.43 Puci, J., Draci, P., Demi, A. & Merja, Z. (2023). An Assessment of Bank Profitability: Evidence from Albania. International Journal of Applied Economics, Finance and Accounting, 16(1), 86-96. https://doi.org/10.33094/ijaefa.v16i1.924 Shrestha, D., Wenan, T., Rajkarnikar, N., & Jeong, S. R. (2020). Consumers Attitude Towards Internet Banking Services in an Underdeveloped Country: A Case of Pokhara, Nepal. Journal of Internet Computing and Services, 21(5), 75-85. Statista Research Department (2023, 4 sep.). Total Number of Internet Accessible Bank Accounts in Albania from 2008 to 2020. 2021. Statista. https://www.statista.com/statistics/875033/number-of-internet-bank-accounts-albania/ Sulillari, J., & Nasto, K. (2020). E-Banking Services Knowledge and Usage, the Case of Korca city, Albania. International Journal of New Economics and Social Sciences, 12(2), 9-22. https://doi.org/10.5604/01.3001.0014.6878 Vovchenko, O. (2021). Development of the Banks' Risk Management System under Conditions of Uncertainty. Economics of Development, 20(4), 8-15. https://doi.org/10.57111/econ.20(4).2021.8-15 Wójcik, D., & Ioannou, S. (2020). COVID-19 and Finance: Market Developments so far and Potential Impacts on the Financial Sector and Centers. Tijdschrift Voor Economische en Sociale Geografie, 111(3), 387-400. https://doi.org/10.1111/tesg.12434 Zhou, M., Geng, D., Abhishek, V., & Li, B. (2020). When the Bank Comes to You: Branch Network and Customer Omnichannel Banking Behavior. Information Systems Research, 31(1), 176-197. https://doi.org/10.1287/isre.2019.0880
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dc.relation.ispartofjournal.eng.fl_str_mv	Apuntes del Cenes
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dc.relation.citationedition.eng.fl_str_mv	Núm. 78 , Año 2024 : Special Issue: the Contemporary Global Economy
dc.rights.none.fl_str_mv	Armelina Lila, Christian Tanushev - 2024
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spelling	Lila, ArmelinaTanushev, Christian2024-07-13 00:00:002026-04-16T17:10:54Z2024-07-13 00:00:002024-07-130120-3053https://repositorio.uptc.edu.co/handle/001/1867510.19053/uptc.01203053.v43.n78.2024.172162256-5779https://doi.org/10.19053/uptc.01203053.v43.n78.2024.17216application/pdftext/htmlUniversidad Pedagógica y Tecnológica de ColombiaArmelina Lila, Christian Tanushev - 2024http://creativecommons.org/licenses/by-nc-sa/4.0info:eu-repo/semantics/openAccessThis work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.http://purl.org/coar/access_right/c_abf2https://revistas.uptc.edu.co/index.php/cenes/article/view/17216servicios de Internetentidades bancariastecnologías de la información y las comunicacionescomportamiento de los usuariossatisfacción con la calidad del productoAlbaniaInternet servicesbanking institutionsinformation and communication technologiesuser behavioursatisfaction with product qualityAlbaniaCustomers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in AlbaniaArtículo de revistahttp://purl.org/coar/resource_type/c_6501http://purl.org/coar/resource_type/c_2df8fbb1info:eu-repo/semantics/articleJournal articleinfo:eu-repo/semantics/publishedVersionTexthttp://purl.org/coar/version/c_970fb48d4fbd8a85Abdullayev, K., Abdullayev, R., Yusifov, E., Babazade, I., & Fataliyeva, G. (2024). Main Areas of Development of the Digital Economy in the Republic of Azerbaijan. Economics of Development, 23(1), 78-88. https://doi.org/10.57111/econ/1.2024.78Aboobucker, I. 2020. What Motivates the Adoption Intention of E-Banking Services: The Moderating Role of Age and Gender. Asian Journal of Management Studies, 1(2), 128-143. https://doi.org/10.4038/ajms.v1i2.38Kote, K. (2023, 10 de marzo). Albanians Performed over Five Mln Banking Actions Online in 2022. Albanian Daily News. https://albaniandailynews.com/news/albanians-performed-over-five-mln-banking-actions-online-in-2022-Anamali, A., Zisi, A., & Shosha, B. (2021). Banking Service in Albania: Satisfied…from What? Universal Journal of Accounting and Finance, 9(4), 735-744. https://doi.org/10.13189/ujaf.2021.090419Ayinaddis, S. G., Taye, B. A., & Yirsaw, B. G. (2023). Examining the Effect of Electronic Banking Service Quality on Customer Satisfaction and Loyalty: An Implication for Technological Innovation. Journal of Innovation and Entrepreneurship, 12, 22. https://doi.org/10.1186/s13731-023-00287-yBank of Albania. (2022). Annual Report 2021. https://www.bankofalbania.org/Publications/Periodic/Annual_Report/Annual_Report_2021.htmlBank of Albania. (2023). Payment Systems Statistics of Albania. https://www.bankofalbania.org/Payments/Payment_systems_statistics/Beshir, E. S., & Zelalem, B. A. (2020). The Effect of E-Banking Service Quality on Customer's Satisfaction and Loyalty. The Strategic Journal of Business & Change Management, 7(3), 818-832. https://doi.org/10.61426/sjbcm.v7i3.1694CEIC Data (2022). Albania Number of Commercial Banks. CEIC. https://www.ceicdata.com/en/albania/banks-concentration-indicators/no-of-commercial-banksHabili, M., Muharremi, O., & Hoxhaj, M. (2022). Analysis of the Variables Influencing People's Propensity to Use Online Banking Services in Albania. International Journal of Finance & Banking Studies, 11(4), 58-65. https://doi.org/10.20525/ijfbs.v11i4.2266Hoxhaj, M., & Muharremi, O. (2022). Coronavirus: An Empirical Study of the Pandemic's Effect on Albanian Online Banking Services. International Journal of Electronic Banking, 3(2), 121-143. https://doi.org/10.1504/IJEBANK.2022.122229Islam, T., Saif-Ur-Rehman, Abid, Ch. M. S., & Ahmer, Z. (2020). How Perceptions about Ease of Use and Risk Explain Intention to Use Mobile Payment Services in Pakistan? The Mediating Role of Perceived Trust. Pakistan Journal of Commerce and Social Sciences, 14(1), 34-48.Ismael, D. M., Salah Ali, S., Adel Elsharkawi, S. (2021). Consumers' Intention to Adopt Digital Financial Services in Egypt: An Extended Technology Acceptance Model. Journal of Alexandria University for Administrative Sciences, 58(5), 273-311. https://doi.org/10.21608/acj.2021.208142Ismaili, E., & Braimllari, A. (2021). Factors Influencing the Frequency of Use of E-Banking Services in Albania. In 4th International Conference on Recent Trends and Applications in Computer Science and Information Technology. CEUR Workshop Proceedings. https://ceur-ws.org/Vol-2872/paper08.pdfJolly, V. (2016). The Inf luence of Internet Banking on the Efficiency and Cost Savings for Banks' Customers. International Journal of Social Sciences and Management, 3(3), 163-170. https://doi.org/10.3126/ijssm.v3i3.15257Karim, M.W., Ulfy, M.A., & Huda, N. (2020). Determining Intention to Use Smartphone Banking Application among Millennial Cohort in Malaysia. International Journal of Management and Sustainability, 9(1), 43-53. https://doi.org/10.18488/journal.11.2020.91.43.53Kemp, S. (2023). Digital 2023: Albania. DataReportal. https://datareportal.com/reports/digital-2023-albania.Khlystun, D. (2023). Improvement of the System for Management of Organization's Communication with Consumers by Automating the Service Provision Process in the CRM Environment. Economic Bulletin of Cherkasy State Technological University, 23(1), 19-28. https://doi.org/10.24025/2306-4420.68.2023.284535Khodakivska, O., Kobets, S., Bachkir, I., Martynova, L., Klochan, V., Klochan, I., & Hnatenko, I. (2022). Sustainable Development of Regions: Modeling the Management of Economic Security of Innovative Entrepreneurship. International Journal of Advanced and Applied Sciences, 9(3), 31-38.Kör, B., Wakkee, I., & Van der Sijde, P. (2021). How to promote Managers' Innovative Behavior at Work: Individual Factors and Perceptions. Technovation, 99, 102127. https://doi.org/10.1016/j.technovation.2020.102127Kumar, A., Mehra, A., & Kumar, S. (2019). Why Do Stores Drive Online Sales? Evidence of Underlying Mechanisms from a Multichannel Retailer. Information Systems Research, 30(1), 319-338. https://doi.org/10.1287/isre.2018.0814Le-Hoang, P. V. (2021). Intention to Use M-Banking Application: An Empirical Study in Ho Chi Minh City. Independent Journal of Management & Production, 12(2), 637-653. https://doi.org/10.14807/ijmp.v12i2.1256Majumdar, S., & Pujari, V. (2021). Exploring Usage of Mobile Banking Apps in the UAE: A Categorical Regression Analysis. Journal of Financial Services Marketing, 27, 177-189. https://doi.org/10.1057/s41264-021-00112-1Markovych, I. (2024). The Influence of Behavioral Encouragement (Monitoring) on the Culture of Consumption. Economic Forum, 1(4), 32-37.Mishchenko, V., Naumenkova, S., Grytsenko, A., & Mishchenko, S. (2022). Operational Risk Management of Using Electronic and Mobile Money. Banks and Bank Systems, 17(3), 142-157. https://doi.org/10.21511/bbs.17(3).2022.12Mwiya, B., Katai, M., Bwalya, J., Kayekesi, M., Kaonga, S., Kasanda, E., Munyonzwe, C., Kaulungombe, B., Sakala, E., Muyenga, A., & Mwenya, D. (2022). Examining the Effects of Electronic Service Quality on Online Banking Customer Satisfaction: Evidence from Zambia. Cogent Business & Management, 9(1), 2143017. https://doi.org/10.1080/23311975.2022.2143017Niyazbekova, S., Zverkova, A., Sokolinskaya, N., & Kerimkhulle, S. (2023). Features of the "Green" Strategies for the Development of Banks. E3S Web of Conferences, 402, 08029. https://doi.org/10.1051/e3sconf/202340208029Palamarchuk, O., & Korkach, I. (2023). Trends in the Development of Digital Marketing in Modern Business Conditions. University Economic Bulletin, 18(2), 63-68. https://doi.org/10.31470/2306-546X-2023-57-63-68Prymostka, L., & Kysil, T. (2023). Intelligent Information Systems of the Banking Sector: General Characteristics and Information Environment. Scientific Bulletin of Mukachevo State University. Series "Economics", 10(4), 43-53. https://doi.org/10.52566/msu-econ4.2023.43Puci, J., Draci, P., Demi, A. & Merja, Z. (2023). An Assessment of Bank Profitability: Evidence from Albania. International Journal of Applied Economics, Finance and Accounting, 16(1), 86-96. https://doi.org/10.33094/ijaefa.v16i1.924Shrestha, D., Wenan, T., Rajkarnikar, N., & Jeong, S. R. (2020). Consumers Attitude Towards Internet Banking Services in an Underdeveloped Country: A Case of Pokhara, Nepal. Journal of Internet Computing and Services, 21(5), 75-85.Statista Research Department (2023, 4 sep.). Total Number of Internet Accessible Bank Accounts in Albania from 2008 to 2020. 2021. Statista. https://www.statista.com/statistics/875033/number-of-internet-bank-accounts-albania/Sulillari, J., & Nasto, K. (2020). E-Banking Services Knowledge and Usage, the Case of Korca city, Albania. International Journal of New Economics and Social Sciences, 12(2), 9-22. https://doi.org/10.5604/01.3001.0014.6878Vovchenko, O. (2021). Development of the Banks' Risk Management System under Conditions of Uncertainty. Economics of Development, 20(4), 8-15. https://doi.org/10.57111/econ.20(4).2021.8-15Wójcik, D., & Ioannou, S. (2020). COVID-19 and Finance: Market Developments so far and Potential Impacts on the Financial Sector and Centers. Tijdschrift Voor Economische en Sociale Geografie, 111(3), 387-400. https://doi.org/10.1111/tesg.12434Zhou, M., Geng, D., Abhishek, V., & Li, B. (2020). When the Bank Comes to You: Branch Network and Customer Omnichannel Banking Behavior. Information Systems Research, 31(1), 176-197. https://doi.org/10.1287/isre.2019.0880115789143Apuntes del Ceneshttps://revistas.uptc.edu.co/index.php/cenes/article/download/17216/14390https://revistas.uptc.edu.co/index.php/cenes/article/download/17216/14807https://revistas.uptc.edu.co/index.php/cenes/article/download/17216/15389Núm. 78 , Año 2024 : Special Issue: the Contemporary Global EconomyPublicationOREORE.xmltext/xml2652https://repositorio.uptc.edu.co/bitstreams/2a70fe9e-b3e9-470e-babd-f6013a504f78/downloadd01d31ec0a0872dbf11558979332e6a9MD51falseAnonymousREAD001/18675oai:repositorio.uptc.edu.co:001/186752026-10-30 06:54:17.463http://creativecommons.org/licenses/by-nc-sa/4.0metadata.onlyhttps://repositorio.uptc.edu.coRepositorio Institucional UPTCbdigital@metabiblioteca.com

Customers’ Attitudes and Perceived Constraints to E-Banking Services: A Survey Study in Albania

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