Bank tries to provide ease of service by utilizing information technology for safe and appropriate services in the transaction. The Bank also provides ease of service in the aspect of flexibility, efficiency, and simplicity. Customers do not need to come to the bank and wait for the long queue with e-banking. E-banking products have a wide range of derivative products, including one of the latest products in the form of mobile banking that is known as M-banking. Mobile banking is one part of the e-banking which is a banking information service via the new wireless offered by the bank using mobile technology to support smooth and ease of banking activities. Based on the above presentation, researchers are interested in researching the measurement of technology of e-banking by customer at State Bank using UTAUT to achieve competitive advantage. Respondents in this research were 834 and data analysis techniques were performed using SEM-PLS. The results show that expectancy performance enhancement, Effort Expectancy, Social Influence, Condition and Security Facilitating will cause Enhancement Behavior Intention Behavior Use directly and indirectly, which means that if we want to upgrade Behavior Intention and Use Behavior, we need to increase this variable. This study gives important implications for the promotion of Use Behavior Intention Behavior through the acceptance of the technology of e-banking customers of the governmental banks in Jakarta.

This paper aims to test the success of the village financial system (SISKEUDES) using the success model of information System DeLone & McLean and trust theory. Eight variables verified in research are system quality, information quality, service quality, trust in government organization, trust in technology, usage, user satisfaction and net benefits. The research was conducted by providing questionnaires to users of SISKEUDES SARBAGITA area (Denpasar, Badung, Gianyar and Tabanan) in Bali. Sampling of research samples was based on nonprobability sampling with purposive sampling and hypothesis testing was performed using Partial Least Square. The results of the research show that the quality of information system positively affected the use of SISKEUDES. Quality of information, service quality, trust in government organization, trust in technology did not have any effect on the use of SISKEUDES. The quality of the system, information quality and trust in technology proved to be positively influential on user satisfaction. Service quality and trust in government organization had no effect on user satisfaction but user usage and satisfaction proved to be positively influential on net benefits.

The main purpose of this paper is to examine the effect of inside debt compensation on bank performance, and identify the determinants of inside debt compensation. Using a sample of thirty European Banks during the period of 2006-2011, this paper presents evidence to support the existing literature that states that debt-based compensations plans have a significant impact on banks’ performance. The results imply that banks rely more on a debt-based compensation as leverage increases. A positive association has also been documented between debt-based compensation usage and both CEO age and bank size. The human capital of CEOs has been found to be negatively related to debt-based compensation. The empirical findings show that there is a significant negative relationship between inside debt compensation and banks' performance. Specifically, CEOs paid with a higher level of inside debt compensation were more likely to engage in lower risk-seeking behavior, such as adopting more conservative policies and investment choices. Thus, inside debt compensation plans can influence the risk-taking of managers, which may have the potential to significantly affect bank performance. Generally, inside debt compensation can reduce risk-shifting problems and lead to behavior which positively impacts debt-holders, as less risk-taking can directly contribute to a lower probability of default. The findings of this paper present important implications for many interested parties throughout the European Union, such as regulators, investors, and standards setters, whose aim is to enhance the soundness of the banking sector.

In view of the increasing development of multi-channel services distributed by banks, the customer can receive the service through an electronic distribution system. For this reason, this study focuses on examining the relationship between the dimensions of online banking quality and customer satisfaction. Data were collected through a questionnaire, which was distributed to 1,275 customers of 85 banks in the Middle East and North Africa (MENA). The data were statistically analyzed using a structural equation model with SPSS. The results show that trust and communication had significant impacts on customer satisfaction.

Turkey experienced an extreme political event on Friday July 15 2016 in the form of an attempted coup. This paper examines the impact of this event on the components of the Banks Index of the Istanbul Stock Exchange using event study methodology. Results show that the banks’ abnormal returns (ARs) were a statistically significant negative from +2 to +6 days with the peak on day +3 when the government declared a state of emergency. Furthermore, when the banks’ stocks are compared with the overall market, they display lower volatility during the study period. These findings evidence the importance attached to political factors and particularly political instability in shaping investment decision making.

The study is conducted to examine the impact of real effective exchange rate volatility on the trade balance in Vietnam from 2002 to 2019 by using the VAR (vector autoregression) model. The volatility of real effective exchange rate is calculated through the GARCH (1,1) model based on the quarterly data (collected by Bruegel, Europe) of the Vietnamese currency with 143 major trading partners of Vietnam. The research result shows that the current trade balance was negatively affected by the volatility of the past trade balance with the lag from 1 quarter to 4 quarters. Especially, the study finds that the volatility of real effective exchange rate with the lag of 2 reduced the trade balance in Vietnam. This is the particularity of Vietnam – a country pursuing a floating exchange rate policy under the control of the government.

In a competitive environment many companies usually outsource their logistics functions to the Third Party Logistics (TPL) providers to focus on their core businesses. However, the selection of proper TPL provider is not an easy task because of conflicting quantitative and qualitative criteria. This study presents an integrated model based on three well-known methods Decision Making Trial and Evaluation Laboratory (DEMATEL), Analytical Network Process (ANP) and Data Envelopment Analysis (DEA) for the evaluation and selection of TPL providers. DEMATEL computes the effects between selection criteria while ANP derives the weights of each criterion related with TPL providers’ selection problem. Finally DEA presents a mathematical model for ranking TPL providers alternatives with respect to various criteria. The application of integrated model is demonstrated with a case study. The novelty of this study comes from the fact that there is no research in the literature integrating DEMATEL, ANP and DEA for the TPL selection problems.

This paper aims to examine the role of spirituality and ethics in higher education quality improvement. Two questionnaires were made by the researchers, the first one was completed by heads of departments of Islamic Azad University, Science & Research Campus, Tehran, Iran (N1=n1=200) to determine the components of spirituality, ethics and quality improvement (Cronbach’s alpha=0.82). The second one was completed by PhD students (N2=1475 & n2=206) in order to find out whether or not there are positive correlations among spirituality, ethics and higher education quality improvement and to determine the role of spirituality and ethics in higher education quality improvement (Cronbach’s alpha= 0.85). To ensure the validity of measurement instruments, Structural Equation Modeling (SEM) and Confirmatory Factor Analysis (CFA) were applied. Findings of the research indicated there was a positive correlation among spirituality, ethics and higher education quality improvement.

Selection of the qualified and the most appropriate employee plays crucial role for the success of the businesses. The selection process is complex and contains both subjective and objective criteria to be considered. For this reason, in this paper, Grey Relational Analysis (GRA) is proposed for employee selection. To illustrate the applicability of the proposed method, the most appropriate software engineer is selected for a technology firm. By this way, a scientific multi criteria decision making (MCDM) method is proposed to the firm that determines the best candidate intuitively with traditional methods.

In the light of recent excess of reported crimes in various states and union territories (UTs) of India, it becomes imperative to evaluate the police performance of different states/UTs in order to identify the poor/under-performing ones requiring immediate attention. Although, a limited amount of research work has been carried out in this area, mainly employing data envelopment analysis approach, a definitive ranking of Indian states/UTs with respect to their police performance has never been derived using any of the multi-criteria decision making (MCDM) techniques. Thus, the aim of this paper is focused on evaluating and ranking of all the Indian states/UTs with respect to their performance in minimizing criminal activities while employing additive ratio assessment (ARAS) method as a simplistic MCDM tool. It is revealed that Chandigarh evolves out as the best performer amongst all the 35 Indian states/UTs, while West Bengal comes out as the worst performer. A detailed analysis of the results is also carried out to identify those Indian states/UTs where substantial improvement can be brought in.