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Volume 13, Issue 2, June 2023 |
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1.
DIGITAL BANKING SERVICES: CUSTOMERS’ PROS AND CONS. A THEORICAL LITERATURE REVIEW Omar GARGOURI University of Sfax, Sfax Tunisia DOI: https://doi.org/10.24818/beman/2023.13.2-01 |
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This paper is a synthesis of several theoretical works on the pros and cons of digital banking services. The objective is to allow future users of digital banking services to have a clearer idea of the pros that these services can offer. In fact, pros are many: availability, mobility, time saving, ease of access to services, autonomy in the relationship with the bank, reducing banking service prices and increasing interest rates on deposits, online bill payment, knowing about bank products, non-discrimination of technology and environment friendly. As for cons, they include: absence of human contact, complexity, fear of insecurity, no or slow internet connection, limited scope of the services offered, unnecessary letters and notifications and high using costs. |
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2. PROMOTING STAKEHOLDER CONFIDENCE IN THE ZIMBABWE’S BANKING SECTOR Tendai MANHANDO
Gwanda State University, Filabusi Zimbabwe Tendai TOWO
Bindura University of Science Education, Bindura Zimbabwe DOI:
https://doi.org/10.24818/beman/2023.13.2-02 |
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The purpose of this study is to examine the ways of promoting
stakeholder confidence in the Zimbabwe’s banking sector. To achieve this
objective some research questions were raised and related literature was
reviewed. The data needed for this study was gathered using a
well-structured questionnaire that was designed on a five point Likert scale
which was availed for the research participants for completion. The research
data was analyzed using multiple regression model in SPSS version 20.
Findings revealed that digitalization, bank culture, information quality and
customer satisfaction are some of the important factors that determine the
confidence of the public in a banking sector. It was concluded that to
promote public confidence in the banking sector, Zimbabwean banks and their
regulator need to pay attention to and manage factors that can promote
public trust in the banking sector such as service reliability,
digitalization and managing the public’s risk perceptions about banking
institutions.
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Adrian POP Bucharest University of Economic Studies, Bucharest Romania
DOI: https://doi.org/10.24818/beman/2023.13.2-03 |
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The measures adopted during the COVID-19 pandemic to reduce the
health crisis led to the implementation of a new service in current medical
practice - telemedicine. In the post-pandemic period, telemedicine continued
to be practiced around the world. This is the premise from which this
article starts. The proposed goal is to carry out a comparative study
between the evolution of telemedicine in Romania and the level of
development in the European Union. Achieving the goal required, as a first
objective, knowledge of the development of telemedicine in Romania, followed
by a comparative analysis with the level of development of telemedicine in
the European Union. For the first objective, the method of researching the
collectives that have the necessary information for the study was used. A
survey was carried out, using as methods for data collection, the method of
direct survey research and online research by accessing the websites of
institutions responsible for the practice of telemedicine. The comparative
study was carried out through a parallel between telemedicine services in
the European Union and those in Romania. Through the combined analysis of
the results of the two investigations, the opportunities for development and
the constraints of the telemedicine sector in Romania were identified. |
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Imane BOUALAMAT Higher School of Management, Tlemcen
Algeria Mohammed BENBOUZIANE Higher School of Management, Tlemcen Algeria Besma MAHMOUDI Higher School of Management, Tlemcen
Algeria DOI: https://doi.org/10.24818/beman/2023.13.2-04 |
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The aim of this paper is to investigate the impact of
organizational learning on organizational affective commitment, two
constructs that has been extensively studied in literature but rarely linked
to each other, especially in the Algerian organizational research context.
Using data from a hundred (100) employees and a model of discriminant
functions we tried to determine the dimensions of organizational learning
that has most influence on organizational affective commitment. Our results
indicated that both embedded systems and empowerment are good predictors of
organizational affective commitment. Managers are required to reinforce the
aspects of organizational learning that predicted best employees’ affective
commitment. |
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Sandiso NGCOBO Mangosuthu University of Technology, Durban South Africa Witness ROYA Mangosuthu University of Technology, Durban South Africa
DOI: https://doi.org/10.24818/beman/2023.13.2-05 |
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The South African Government, through the Department of Transport (DoT), offers financial support to various engineering companies to use in their road construction projects to improve the country’s road infrastructure. However, many road projects allocated to Small and Medium Enterprises (SMEs) are not completed on schedule. Communication plan was used as a lens to track essential elements involved in ensuring project success. A probability stratified random sampling method was used to select 34 respondents from the DOT who completed questionnaires as part of this quantitative study. Employees of the DoT’s Finance department in KwaZulu-Natal province were chosen because they were well placed to highlight the communication plan followed and challenges experienced in handling financial contracts and monitoring of such between themselves and the SMEs. On the one hand, the respondents generally claimed to have sound measures to monitor the progress of funded projects and apply appropriate techniques to cope with awarded contracts. On the other hand, they conceded that poor planning and poor communication management were the main challenges facing the department. The study calls for regular, open communication to enhance the success of projects which should be monitored in every phase following clear performance indicators. If problems are identified, a communication strategy to resolve them should be established; this strategy should be evaluated against its objectives. |
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6. GENDERED FACTORS AND SMALL-SCALE FISH BUSINESS GROWTH IN MWANZA, TANZANIA Advera Gibe ROCHE College of Social Sciences and Humanities, Morogoro Tanzania John N. JECKONIAH College of Social Sciences and Humanities, Morogoro Tanzania Fatihiya A. MASSAWE Institute of Judicial Administration, Lushoto Tanzania
DOI: https://doi.org/10.24818/beman/2023.13.2-06 |
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The study aimed to assess the factors influencing the growth of small-scale fish businesses (SSFBs) owned by women in Mwanza, Tanzania. A total of 309 individuals in the fish industry were surveyed through questionnaires, focus group discussions, and key informant interviews. The study assessed the nature of small-scale fish businesses, the constraints facing them, and the determinants of small-scale fish businesses measured by the daily profits obtained. Results showed that marital status, experience in the business, daily capital, type of customers, storage facilities, and involvement in self-help groups significantly impacted daily profit. The study found that women's capital investment and profits were lower compared to men, mainly due to differences in these factors. The study highlights the need for policies to support women-owned SSFBs, including the establishment of self-help groups to provide opportunities for networking and support. The study calls for programmes to boost the growth of women's SSFBs, addressing the challenges and constraints they face. The results emphasize the importance of promoting entrepreneurship and job creation, particularly among women, to drive economic growth in the region. |
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7. BLOCKCHAIN IMPLEMENTATION AND PRINCIPAL-AGENT THEORY
Ajeng Septiana WULANSARI Universitas Pembangunan Nasional Veteran Jakarta Indonesia
DOI: https://doi.org/10.24818/beman/2023.13.2-07 |
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One of the biggest issues in organization in centuries is problem raised by the relationship between actor inside. This problem called principal-agent problem which explained by principal agent theory (PAT). The emerged new technology disruption called blockchain technology (BCT) receive the challenge to offers the solution for principal-agent problem, it claims empirically could reduce or even eliminate the problem, thus lead to lower cost to solved the problem, called agency cost. This technology application wide spread in several sectors, the example is the implementation of Decentralized Autonomous Organization (DAO). DAO is the blockchain based new form of organization, who run based on a smart contract or algorithm run in the computer network. This paper is conceptual paper, we explained about the basic of blockchain, and we analyzed the correlation between blockchain and principal agent theory. |