CINXE.COM
(PDF) The Effects of information and communication technologies on the banking sector and the payments system | Anna Arbussà - Academia.edu
<!DOCTYPE html> <html > <head> <meta charset="utf-8"> <meta rel="search" type="application/opensearchdescription+xml" href="/open_search.xml" title="Academia.edu"> <meta content="width=device-width, initial-scale=1" name="viewport"> <meta name="google-site-verification" content="bKJMBZA7E43xhDOopFZkssMMkBRjvYERV-NaN4R6mrs"> <meta name="csrf-param" content="authenticity_token" /> <meta name="csrf-token" content="sd+u3I4yrqja23m94AiT2ePpmxUVC47PZKPrap8bnWTao3A6zSKZXpq+IStad3glbzlJYSh/KNf1zmreYtNc0g==" /> <meta name="citation_title" content="The Effects of information and communication technologies on the banking sector and the payments system" /> <meta name="citation_publication_date" content="2001/11/22" /> <meta name="citation_journal_title" content="TDX (Tesis Doctorals en Xarxa)" /> <meta name="citation_author" content="Anna Arbussà" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:url" content="https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system" /> <meta name="twitter:title" content="The Effects of information and communication technologies on the banking sector and the payments system" /> <meta name="twitter:description" content="Academia.edu is a platform for academics to share research papers." /> <meta name="twitter:image" content="http://a.academia-assets.com/images/twitter-card.jpeg" /> <meta property="fb:app_id" content="2369844204" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system" /> <meta property="og:title" content="The Effects of information and communication technologies on the banking sector and the payments system" /> <meta property="og:image" content="http://a.academia-assets.com/images/open-graph-icons/fb-paper.gif" /> <meta property="og:description" content="The Effects of information and communication technologies on the banking sector and the payments system" /> <meta property="article:author" content="https://ugirona.academia.edu/AnnaArbuss%C3%A0" /> <meta name="description" content="The Effects of information and communication technologies on the banking sector and the payments system" /> <title>(PDF) The Effects of information and communication technologies on the banking sector and the payments system | Anna Arbussà - Academia.edu</title> <link rel="canonical" href="https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system" /> <script async src="https://www.googletagmanager.com/gtag/js?id=G-5VKX33P2DS"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-5VKX33P2DS', { cookie_domain: 'academia.edu', send_page_view: false, }); gtag('event', 'page_view', { 'controller': "single_work", 'action': "show", 'controller_action': 'single_work#show', 'logged_in': 'false', 'edge': 'unknown', // Send nil if there is no A/B test bucket, in case some records get logged // with missing data - that way we can distinguish between the two cases. // ab_test_bucket should be of the form <ab_test_name>:<bucket> 'ab_test_bucket': null, }) </script> <script> var $controller_name = 'single_work'; var $action_name = "show"; var $rails_env = 'production'; var $app_rev = '49879c2402910372f4abc62630a427bbe033d190'; var $domain = 'academia.edu'; var $app_host = "academia.edu"; var $asset_host = "academia-assets.com"; var $start_time = new Date().getTime(); var $recaptcha_key = "6LdxlRMTAAAAADnu_zyLhLg0YF9uACwz78shpjJB"; var $recaptcha_invisible_key = "6Lf3KHUUAAAAACggoMpmGJdQDtiyrjVlvGJ6BbAj"; var $disableClientRecordHit = false; </script> <script> window.require = { config: function() { return function() {} } } </script> <script> window.Aedu = window.Aedu || {}; window.Aedu.hit_data = null; window.Aedu.serverRenderTime = new Date(1732511602000); window.Aedu.timeDifference = new Date().getTime() - 1732511602000; </script> <script type="application/ld+json">{"@context":"https://schema.org","@type":"ScholarlyArticle","abstract":null,"author":[{"@context":"https://schema.org","@type":"Person","name":"Anna Arbussà"}],"contributor":[],"dateCreated":"2023-11-27","dateModified":null,"datePublished":"2001-11-22","headline":"The Effects of information and communication technologies on the banking sector and the payments system","inLanguage":"en","keywords":["Business","Information Systems","Computer Science","Information Technology","Knowledge Management","Mathematics Education","International Trade","Information Communication Technology","ICT in Education","Productivity","ICT","China","Enterprenurship","Best practice","Information and Communications Technology","Academic achievement","Cluster Analysis","Payment","Net Income","Profitability Index"],"locationCreated":null,"publication":"TDX (Tesis Doctorals en Xarxa)","publisher":{"@context":"https://schema.org","@type":"Organization","name":null},"image":null,"thumbnailUrl":null,"url":"https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system","sourceOrganization":[{"@context":"https://schema.org","@type":"EducationalOrganization","name":"ugirona"}]}</script><link rel="stylesheet" media="all" href="//a.academia-assets.com/assets/single_work_page/loswp-352e32ba4e89304dc0b4fa5b3952eef2198174c54cdb79066bc62e91c68a1a91.css" /><link rel="stylesheet" media="all" href="//a.academia-assets.com/assets/design_system/body-8d679e925718b5e8e4b18e9a4fab37f7eaa99e43386459376559080ac8f2856a.css" /><link rel="stylesheet" media="all" href="//a.academia-assets.com/assets/design_system/button-3cea6e0ad4715ed965c49bfb15dedfc632787b32ff6d8c3a474182b231146ab7.css" /><link rel="stylesheet" media="all" href="//a.academia-assets.com/assets/design_system/text_button-73590134e40cdb49f9abdc8e796cc00dc362693f3f0f6137d6cf9bb78c318ce7.css" /><link crossorigin="" href="https://fonts.gstatic.com/" rel="preconnect" /><link href="https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,100..1000;1,9..40,100..1000&family=Gupter:wght@400;500;700&family=IBM+Plex+Mono:wght@300;400&family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@20,400,0,0&display=swap" rel="stylesheet" /><link rel="stylesheet" media="all" href="//a.academia-assets.com/assets/design_system/common-10fa40af19d25203774df2d4a03b9b5771b45109c2304968038e88a81d1215c5.css" /> </head> <body> <div id='react-modal'></div> <div class="js-upgrade-ie-banner" style="display: none; text-align: center; padding: 8px 0; background-color: #ebe480;"><p style="color: #000; font-size: 12px; margin: 0 0 4px;">Academia.edu no longer supports Internet Explorer.</p><p style="color: #000; font-size: 12px; margin: 0;">To browse Academia.edu and the wider internet faster and more securely, please take a few seconds to <a href="https://www.academia.edu/upgrade-browser">upgrade your browser</a>.</p></div><script>// Show this banner for all versions of IE if (!!window.MSInputMethodContext || /(MSIE)/.test(navigator.userAgent)) { document.querySelector('.js-upgrade-ie-banner').style.display = 'block'; }</script> <div class="bootstrap login"><div class="modal fade login-modal" id="login-modal"><div class="login-modal-dialog modal-dialog"><div class="modal-content"><div class="modal-header"><button class="close close" data-dismiss="modal" type="button"><span aria-hidden="true">×</span><span class="sr-only">Close</span></button><h4 class="modal-title text-center"><strong>Log In</strong></h4></div><div class="modal-body"><div class="row"><div class="col-xs-10 col-xs-offset-1"><button class="btn btn-fb btn-lg btn-block btn-v-center-content" id="login-facebook-oauth-button"><svg style="float: left; width: 19px; line-height: 1em; margin-right: .3em;" aria-hidden="true" focusable="false" data-prefix="fab" data-icon="facebook-square" class="svg-inline--fa fa-facebook-square fa-w-14" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path fill="currentColor" d="M400 32H48A48 48 0 0 0 0 80v352a48 48 0 0 0 48 48h137.25V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.27c-30.81 0-40.42 19.12-40.42 38.73V256h68.78l-11 71.69h-57.78V480H400a48 48 0 0 0 48-48V80a48 48 0 0 0-48-48z"></path></svg><small><strong>Log in</strong> with <strong>Facebook</strong></small></button><br /><button class="btn btn-google btn-lg btn-block btn-v-center-content" id="login-google-oauth-button"><svg style="float: left; width: 22px; line-height: 1em; margin-right: .3em;" aria-hidden="true" focusable="false" data-prefix="fab" data-icon="google-plus" class="svg-inline--fa fa-google-plus fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M256,8C119.1,8,8,119.1,8,256S119.1,504,256,504,504,392.9,504,256,392.9,8,256,8ZM185.3,380a124,124,0,0,1,0-248c31.3,0,60.1,11,83,32.3l-33.6,32.6c-13.2-12.9-31.3-19.1-49.4-19.1-42.9,0-77.2,35.5-77.2,78.1S142.3,334,185.3,334c32.6,0,64.9-19.1,70.1-53.3H185.3V238.1H302.2a109.2,109.2,0,0,1,1.9,20.7c0,70.8-47.5,121.2-118.8,121.2ZM415.5,273.8v35.5H380V273.8H344.5V238.3H380V202.8h35.5v35.5h35.2v35.5Z"></path></svg><small><strong>Log in</strong> with <strong>Google</strong></small></button><br /><style type="text/css">.sign-in-with-apple-button { width: 100%; height: 52px; border-radius: 3px; border: 1px solid black; cursor: pointer; }</style><script src="https://appleid.cdn-apple.com/appleauth/static/jsapi/appleid/1/en_US/appleid.auth.js" type="text/javascript"></script><div class="sign-in-with-apple-button" data-border="false" data-color="white" id="appleid-signin"><span ="Sign Up with Apple" class="u-fs11"></span></div><script>AppleID.auth.init({ clientId: 'edu.academia.applesignon', scope: 'name email', redirectURI: 'https://www.academia.edu/sessions', state: "093cb468dfad3eb99700f7a12c2e1f419238d9bb9d272a274621fea6c6e455be", });</script><script>// Hacky way of checking if on fast loswp if (window.loswp == null) { (function() { const Google = window?.Aedu?.Auth?.OauthButton?.Login?.Google; const Facebook = window?.Aedu?.Auth?.OauthButton?.Login?.Facebook; if (Google) { new Google({ el: '#login-google-oauth-button', rememberMeCheckboxId: 'remember_me', track: null }); } if (Facebook) { new Facebook({ el: '#login-facebook-oauth-button', rememberMeCheckboxId: 'remember_me', track: null }); } })(); }</script></div></div></div><div class="modal-body"><div class="row"><div class="col-xs-10 col-xs-offset-1"><div class="hr-heading login-hr-heading"><span class="hr-heading-text">or</span></div></div></div></div><div class="modal-body"><div class="row"><div class="col-xs-10 col-xs-offset-1"><form class="js-login-form" action="https://www.academia.edu/sessions" accept-charset="UTF-8" method="post"><input name="utf8" type="hidden" value="✓" autocomplete="off" /><input type="hidden" name="authenticity_token" value="c2z2XEWVG1kBJVJV638CXQ3bmVxTjN10R/XSAx4n0/8YECi6BoUsr0FACsNRAOmhgQtLKG74e2zWmFO34+8SSQ==" autocomplete="off" /><div class="form-group"><label class="control-label" for="login-modal-email-input" style="font-size: 14px;">Email</label><input class="form-control" id="login-modal-email-input" name="login" type="email" /></div><div class="form-group"><label class="control-label" for="login-modal-password-input" style="font-size: 14px;">Password</label><input class="form-control" id="login-modal-password-input" name="password" type="password" /></div><input type="hidden" name="post_login_redirect_url" id="post_login_redirect_url" value="https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system" autocomplete="off" /><div class="checkbox"><label><input type="checkbox" name="remember_me" id="remember_me" value="1" checked="checked" /><small style="font-size: 12px; margin-top: 2px; display: inline-block;">Remember me on this computer</small></label></div><br><input type="submit" name="commit" value="Log In" class="btn btn-primary btn-block btn-lg js-login-submit" data-disable-with="Log In" /></br></form><script>typeof window?.Aedu?.recaptchaManagedForm === 'function' && window.Aedu.recaptchaManagedForm( document.querySelector('.js-login-form'), document.querySelector('.js-login-submit') );</script><small style="font-size: 12px;"><br />or <a data-target="#login-modal-reset-password-container" data-toggle="collapse" href="javascript:void(0)">reset password</a></small><div class="collapse" id="login-modal-reset-password-container"><br /><div class="well margin-0x"><form class="js-password-reset-form" action="https://www.academia.edu/reset_password" accept-charset="UTF-8" method="post"><input name="utf8" type="hidden" value="✓" autocomplete="off" /><input type="hidden" name="authenticity_token" value="1IkkPab6BW0td2T2gLLxv++k5bpOB53pGGai4BQYYKm/9frb5eoym20SPGA6zRpDY3Q3znNzO/GJCyNU6dChHw==" autocomplete="off" /><p>Enter the email address you signed up with and we'll email you a reset link.</p><div class="form-group"><input class="form-control" name="email" type="email" /></div><input class="btn btn-primary btn-block g-recaptcha js-password-reset-submit" data-sitekey="6Lf3KHUUAAAAACggoMpmGJdQDtiyrjVlvGJ6BbAj" type="submit" value="Email me a link" /></form></div></div><script> require.config({ waitSeconds: 90 })(["https://a.academia-assets.com/assets/collapse-45805421cf446ca5adf7aaa1935b08a3a8d1d9a6cc5d91a62a2a3a00b20b3e6a.js"], function() { // from javascript_helper.rb $("#login-modal-reset-password-container").on("shown.bs.collapse", function() { $(this).find("input[type=email]").focus(); }); }); </script> </div></div></div><div class="modal-footer"><div class="text-center"><small style="font-size: 12px;">Need an account? <a rel="nofollow" href="https://www.academia.edu/signup">Click here to sign up</a></small></div></div></div></div></div></div><script>// If we are on subdomain or non-bootstrapped page, redirect to login page instead of showing modal (function(){ if (typeof $ === 'undefined') return; var host = window.location.hostname; if ((host === $domain || host === "www."+$domain) && (typeof $().modal === 'function')) { $("#nav_log_in").click(function(e) { // Don't follow the link and open the modal e.preventDefault(); $("#login-modal").on('shown.bs.modal', function() { $(this).find("#login-modal-email-input").focus() }).modal('show'); }); } })()</script> <div id="fb-root"></div><script>window.fbAsyncInit = function() { FB.init({ appId: "2369844204", version: "v8.0", status: true, cookie: true, xfbml: true }); // Additional initialization code. if (window.InitFacebook) { // facebook.ts already loaded, set it up. window.InitFacebook(); } else { // Set a flag for facebook.ts to find when it loads. window.academiaAuthReadyFacebook = true; } };</script> <div id="google-root"></div><script>window.loadGoogle = function() { if (window.InitGoogle) { // google.ts already loaded, set it up. window.InitGoogle("331998490334-rsn3chp12mbkiqhl6e7lu2q0mlbu0f1b"); } else { // Set a flag for google.ts to use when it loads. window.GoogleClientID = "331998490334-rsn3chp12mbkiqhl6e7lu2q0mlbu0f1b"; } };</script> <div class="header--container" id="main-header-container"><div class="header--inner-container header--inner-container-ds2"><div class="header-ds2--left-wrapper"><div class="header-ds2--left-wrapper-inner"><a data-main-header-link-target="logo_home" href="https://www.academia.edu/"><img class="hide-on-desktop-redesign" style="height: 24px; width: 24px;" alt="Academia.edu" src="//a.academia-assets.com/images/academia-logo-redesign-2015-A.svg" width="24" height="24" /><img width="145.2" height="18" class="hide-on-mobile-redesign" style="height: 24px;" alt="Academia.edu" src="//a.academia-assets.com/images/academia-logo-redesign-2015.svg" /></a><div class="header--search-container header--search-container-ds2"><form class="js-SiteSearch-form select2-no-default-pills" action="https://www.academia.edu/search" accept-charset="UTF-8" method="get"><input name="utf8" type="hidden" value="✓" autocomplete="off" /><svg style="width: 14px; height: 14px;" aria-hidden="true" focusable="false" data-prefix="fas" data-icon="search" class="header--search-icon svg-inline--fa fa-search fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z"></path></svg><input class="header--search-input header--search-input-ds2 js-SiteSearch-form-input" data-main-header-click-target="search_input" name="q" placeholder="Search" type="text" /></form></div></div></div><nav class="header--nav-buttons header--nav-buttons-ds2 js-main-nav"><a class="ds2-5-button ds2-5-button--secondary js-header-login-url header-button-ds2 header-login-ds2 hide-on-mobile-redesign" href="https://www.academia.edu/login" rel="nofollow">Log In</a><a class="ds2-5-button ds2-5-button--secondary header-button-ds2 hide-on-mobile-redesign" href="https://www.academia.edu/signup" rel="nofollow">Sign Up</a><button class="header--hamburger-button header--hamburger-button-ds2 hide-on-desktop-redesign js-header-hamburger-button"><div class="icon-bar"></div><div class="icon-bar" style="margin-top: 4px;"></div><div class="icon-bar" style="margin-top: 4px;"></div></button></nav></div><ul class="header--dropdown-container js-header-dropdown"><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/login" rel="nofollow">Log In</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/signup" rel="nofollow">Sign Up</a></li><li class="header--dropdown-row js-header-dropdown-expand-button"><button class="header--dropdown-button">more<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="caret-down" class="header--dropdown-button-icon svg-inline--fa fa-caret-down fa-w-10" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="currentColor" d="M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z"></path></svg></button></li><li><ul class="header--expanded-dropdown-container"><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/about">About</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/press">Press</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://medium.com/@academia">Blog</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/documents">Papers</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/terms">Terms</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/privacy">Privacy</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/copyright">Copyright</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://www.academia.edu/hiring"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="briefcase" class="header--dropdown-row-icon svg-inline--fa fa-briefcase fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M320 336c0 8.84-7.16 16-16 16h-96c-8.84 0-16-7.16-16-16v-48H0v144c0 25.6 22.4 48 48 48h416c25.6 0 48-22.4 48-48V288H320v48zm144-208h-80V80c0-25.6-22.4-48-48-48H176c-25.6 0-48 22.4-48 48v48H48c-25.6 0-48 22.4-48 48v80h512v-80c0-25.6-22.4-48-48-48zm-144 0H192V96h128v32z"></path></svg>We're Hiring!</a></li><li class="header--dropdown-row"><a class="header--dropdown-link" href="https://support.academia.edu/"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="question-circle" class="header--dropdown-row-icon svg-inline--fa fa-question-circle fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z"></path></svg>Help Center</a></li><li class="header--dropdown-row js-header-dropdown-collapse-button"><button class="header--dropdown-button">less<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="caret-up" class="header--dropdown-button-icon svg-inline--fa fa-caret-up fa-w-10" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="currentColor" d="M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z"></path></svg></button></li></ul></li></ul></div> <script src="//a.academia-assets.com/assets/webpack_bundles/fast_loswp-bundle-bf3d831cde46cd0e142f29f81a3fc4ce5ab45a404c10c12a480e83de68aff851.js" defer="defer"></script><script>window.loswp = {}; window.loswp.author = 39142650; window.loswp.bulkDownloadFilterCounts = {}; window.loswp.hasDownloadableAttachment = true; window.loswp.hasViewableAttachments = true; // TODO: just use routes for this window.loswp.loginUrl = "https://www.academia.edu/login?post_login_redirect_url=https%3A%2F%2Fwww.academia.edu%2F109933420%2FThe_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system%3Fauto%3Ddownload"; window.loswp.translateUrl = "https://www.academia.edu/login?post_login_redirect_url=https%3A%2F%2Fwww.academia.edu%2F109933420%2FThe_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system%3Fshow_translation%3Dtrue"; window.loswp.previewableAttachments = [{"id":107907825,"identifier":"Attachment_107907825","shouldShowBulkDownload":false}]; window.loswp.shouldDetectTimezone = true; window.loswp.shouldShowBulkDownload = true; window.loswp.showSignupCaptcha = false window.loswp.willEdgeCache = false; window.loswp.work = {"work":{"id":109933420,"created_at":"2023-11-27T02:59:56.748-08:00","from_world_paper_id":244103260,"updated_at":"2024-01-22T00:18:06.896-08:00","_data":{"publication_date":"2001,11,22","publication_name":"TDX (Tesis Doctorals en Xarxa)"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"The Effects of information and communication technologies on the banking sector and the payments system","broadcastable":true,"draft":null,"has_indexable_attachment":true,"indexable":true}}["work"]; window.loswp.workCoauthors = [39142650]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "full_page_mobile_sutd_modal"; window.loswp.useOptimizedScribd4genScript = false; window.loswp.appleClientId = 'edu.academia.applesignon';</script><script defer="" src="https://accounts.google.com/gsi/client"></script><div class="ds-loswp-container"><div class="ds-work-card--grid-container"><div class="ds-work-card--container js-loswp-work-card"><div class="ds-work-card--cover"><div class="ds-work-cover--wrapper"><div class="ds-work-cover--container"><button class="ds-work-cover--clickable js-swp-download-button" data-signup-modal="{"location":"swp-splash-paper-cover","attachmentId":107907825,"attachmentType":"pdf"}"><img alt="First page of “The Effects of information and communication technologies on the banking sector and the payments system”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/107907825/mini_magick20231127-1-sphmr8.png?1701082978" /><img alt="PDF Icon" class="ds-work-cover--file-icon" src="//a.academia-assets.com/assets/single_work_splash/adobe.icon-574afd46eb6b03a77a153a647fb47e30546f9215c0ee6a25df597a779717f9ef.svg" /><div class="ds-work-cover--hover-container"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span><p>Download Free PDF</p></div><div class="ds-work-cover--ribbon-container">Download Free PDF</div><div class="ds-work-cover--ribbon-triangle"></div></button></div></div></div><div class="ds-work-card--work-information"><h1 class="ds-work-card--work-title">The Effects of information and communication technologies on the banking sector and the payments system</h1><div class="ds-work-card--work-authors ds-work-card--detail"><a class="ds-work-card--author js-wsj-grid-card-author ds2-5-body-md ds2-5-body-link" data-author-id="39142650" href="https://ugirona.academia.edu/AnnaArbuss%C3%A0"><img alt="Profile image of Anna Arbussà" class="ds-work-card--author-avatar" src="//a.academia-assets.com/images/s65_no_pic.png" />Anna Arbussà</a></div><p class="ds-work-card--detail ds2-5-body-sm">2001, TDX (Tesis Doctorals en Xarxa)</p><div class="ds-work-card--button-container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--work-card","attachmentId":107907825,"attachmentType":"pdf","workUrl":"https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system"}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--work-card","attachmentId":107907825,"attachmentType":"pdf","workUrl":"https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div></div><div data-auto_select="false" data-client_id="331998490334-rsn3chp12mbkiqhl6e7lu2q0mlbu0f1b" data-doc_id="107907825" data-landing_url="https://www.academia.edu/109933420/The_Effects_of_information_and_communication_technologies_on_the_banking_sector_and_the_payments_system" data-login_uri="https://www.academia.edu/registrations/google_one_tap" data-moment_callback="onGoogleOneTapEvent" id="g_id_onload"></div><div class="ds-top-related-works--grid-container"><div class="ds-related-content--container ds-top-related-works--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="0" data-entity-id="7938672" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/7938672/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ON_THE_BANKING_SECTOR">IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON THE BANKING SECTOR</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="15097649" href="https://independent.academia.edu/MsaasiwajuDepride">Msa-asiwaju De-pride</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY ON THE BANKING SECTOR","attachmentId":34416001,"attachmentType":"pdf","work_url":"https://www.academia.edu/7938672/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ON_THE_BANKING_SECTOR","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/7938672/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ON_THE_BANKING_SECTOR"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="1" data-entity-id="98813626" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/98813626/Impact_of_Information_Technology_on_the_Banking_Sector">Impact of Information Technology on the Banking Sector</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="191818377" href="https://independent.academia.edu/MeghaShetty13">Megha D Shetty</a><span>, </span><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="64969069" href="https://independent.academia.edu/SrinivasPublication">Srinivas Publication</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Srinivas Publication, 2022</p><p class="ds-related-work--abstract ds2-5-body-sm">This paper presents a brief overview which is linked to the bank network and its role in IT. It is also about the study of the role of the Government which has also played a proactive role in this by formulating policies and providing infrastructure, there are some advantages and disadvantages too, which need to be examined, and challenges faced by banking sectors and a few key positive and negative opinions on basis of SWOT analysis. Methodology: The data has been collected from a variety of sources, including newspapers, research papers, websites, and journals. The information has been analyzed and synthesized to provide a comprehensive overview of the topic. Findings: This research aims to provide a comprehensive overview of the extant research on the impact of information technology (IT) on banking. The findings suggest that IT has had a positive impact on banking in terms of efficiency, profitability, and customer service. However, the findings also reveal that IT has harmed employment in the banking sector. The banking sector in India is passing through tectonic changes with the onslaught of digital technologies. Traditional banks, which were dependent on human interaction and paperwork, are today struggling to keep pace with the new-age disruptors such as mobile payments, peer-to-peer lending, etc. They can now easily switch between banks depending on their needs and requirements. At the same time, banks are also looking to partner with FinTech to gain a competitive edge. Originality: A robust banking system makes the lives of the average individual easier, its real impact is felt in the smooth functioning of businesses. The smooth flow of credit and mobilizing of savings are the hallmarks of an economy with an effective banking system. Research Type: Descriptive Study.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impact of Information Technology on the Banking Sector","attachmentId":100063774,"attachmentType":"pdf","work_url":"https://www.academia.edu/98813626/Impact_of_Information_Technology_on_the_Banking_Sector","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/98813626/Impact_of_Information_Technology_on_the_Banking_Sector"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="2" data-entity-id="112834181" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/112834181/A_Result_Analysis_of_Impact_of_Information_Technology_on_the_Banking_Sector">A Result Analysis of Impact of Information Technology on the Banking Sector</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="137400213" href="https://independent.academia.edu/SudhirHiwarkar">Sudhir Hiwarkar</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International journal of computer science and mobile computing, 2022</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"A Result Analysis of Impact of Information Technology on the Banking Sector","attachmentId":109943739,"attachmentType":"pdf","work_url":"https://www.academia.edu/112834181/A_Result_Analysis_of_Impact_of_Information_Technology_on_the_Banking_Sector","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/112834181/A_Result_Analysis_of_Impact_of_Information_Technology_on_the_Banking_Sector"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="3" data-entity-id="91137812" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/91137812/The_Business_Impact_of_Information_Technology_on_the_Banking_Industry">The Business Impact of Information Technology on the Banking Industry</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="55484037" href="https://brunel.academia.edu/IanBlackman">Ian Blackman</a></div><p class="ds-related-work--metadata ds2-5-body-xs">1996</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Business Impact of Information Technology on the Banking Industry","attachmentId":94510052,"attachmentType":"pdf","work_url":"https://www.academia.edu/91137812/The_Business_Impact_of_Information_Technology_on_the_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/91137812/The_Business_Impact_of_Information_Technology_on_the_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="4" data-entity-id="27423497" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/27423497/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ICT_ON_THE_BANKING_SECTOR_CHAPTER_ONE">IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY (ICT) ON THE BANKING SECTOR CHAPTER ONE</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="44376458" href="https://utexas.academia.edu/KenGabriel">Ken Gabriel</a></div><p class="ds-related-work--abstract ds2-5-body-sm">See Complete work</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IMPACT OF INFORMATION AND COMMUNICATION TECHNOLOGY (ICT) ON THE BANKING SECTOR CHAPTER ONE","attachmentId":47680014,"attachmentType":"docx","work_url":"https://www.academia.edu/27423497/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ICT_ON_THE_BANKING_SECTOR_CHAPTER_ONE","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/27423497/IMPACT_OF_INFORMATION_AND_COMMUNICATION_TECHNOLOGY_ICT_ON_THE_BANKING_SECTOR_CHAPTER_ONE"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="5" data-entity-id="57006363" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/57006363/ICT_as_an_Instrument_of_Enhanced_Banking_System">ICT as an Instrument of Enhanced Banking System</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="31998649" href="https://independent.academia.edu/EMMANUELEKWONWUNE">EMMANUEL N EKWONWUNE</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of Computer and Communications, 2017</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"ICT as an Instrument of Enhanced Banking System","attachmentId":72113783,"attachmentType":"pdf","work_url":"https://www.academia.edu/57006363/ICT_as_an_Instrument_of_Enhanced_Banking_System","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/57006363/ICT_as_an_Instrument_of_Enhanced_Banking_System"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="6" data-entity-id="49888235" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/49888235/IJERT_The_Significance_of_Information_and_Communication_Technology_ICT_in_the_Development_of_the_Banking_Industry">IJERT-The Significance of Information and Communication Technology (ICT) in the Development of the Banking Industry</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="109571315" href="https://independent.academia.edu/IJERTORG">IJERT Journal</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Engineering Research and Technology (IJERT), 2013</p><p class="ds-related-work--abstract ds2-5-body-sm">https://www.ijert.org/the-significance-of-information-and-communication-technology-ict-in-the-development-of-the-banking-industry https://www.ijert.org/research/the-significance-of-information-and-communication-technology-ict-in-the-development-of-the-banking-industry-IJERTV2IS100584.pdf The increase in the numbers of customers and various activities carried out in the banking industries are growing astronomically. This has consistently increased the amount of data processed by the banks, thereby making the conventional methods of data processing to be slow, prone to error, low productivity, insecurity, fraud and increase in resource personnel overhead. This paper is designed to examine the significance of Information and Communication Technology (ICT) in the development of the banking industry. Data was collected through questionnaires administered to both the staff of the bank and customers; and other sources of data were personal interview, textbooks and websites. The data is thereafter analyzed using percentage and chi-square methods. The espousal of ICT in the banking industry has improved the efficiencies of the bank, made global banking a reality and aids in making management decision timely and effective on the job. Hence, the successful implementation of ICT is a must for the development of any bank.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IJERT-The Significance of Information and Communication Technology (ICT) in the Development of the Banking Industry","attachmentId":68078274,"attachmentType":"pdf","work_url":"https://www.academia.edu/49888235/IJERT_The_Significance_of_Information_and_Communication_Technology_ICT_in_the_Development_of_the_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/49888235/IJERT_The_Significance_of_Information_and_Communication_Technology_ICT_in_the_Development_of_the_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="7" data-entity-id="66522096" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/66522096/The_Impact_of_Applying_New_Technologies_to_the_Development_of_Modern_Banking">The Impact of Applying New Technologies to the Development of Modern Banking</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="148767604" href="https://independent.academia.edu/DijanaGrahovac1">Dijana Grahovac</a></div><p class="ds-related-work--metadata ds2-5-body-xs">EMAN 2019 – Economics & Management: How to Cope With Disrupted Times CONFERENCE PROCEEDINGS, 2019</p><p class="ds-related-work--abstract ds2-5-body-sm">With the development of new technologies and sort of technological revolution, every business has experienced a transformation, in terms of the need to introduce new technologies, in order to achieve the highest level of competitiveness in the changed conditions of the present time, in the era of globalization. Banking is one of the areas that has experienced significant changes in the way of doing business for the last decade through the digitalization process. New business models with clients have been developed, as well as new products, which modern technology allows. The paper presents differences between the modern and traditional banking, which were created by the introduction of modern technologies in this field, as well as some negative effects of such trends, which are primarily reflected in the reduction of the number of employees in this field.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impact of Applying New Technologies to the Development of Modern Banking","attachmentId":77680563,"attachmentType":"pdf","work_url":"https://www.academia.edu/66522096/The_Impact_of_Applying_New_Technologies_to_the_Development_of_Modern_Banking","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/66522096/The_Impact_of_Applying_New_Technologies_to_the_Development_of_Modern_Banking"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="8" data-entity-id="84612978" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/84612978/Impact_of_Information_Technology_on_Banking_Sector">Impact of Information Technology on Banking Sector</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="49977821" href="https://independent.academia.edu/SahooBibhu">Bibhu Sahoo</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Information Technology Computer Sciences Perspectives, 2014</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impact of Information Technology on Banking Sector","attachmentId":89573779,"attachmentType":"pdf","work_url":"https://www.academia.edu/84612978/Impact_of_Information_Technology_on_Banking_Sector","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/84612978/Impact_of_Information_Technology_on_Banking_Sector"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="9" data-entity-id="73927417" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/73927417/Digital_technology_in_the_realm_of_banking_A_review_of_literature">Digital technology in the realm of banking: A review of literature</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="59093738" href="https://independent.academia.edu/ShubhamSinghania2">Shubham Singhania</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2018</p><p class="ds-related-work--abstract ds2-5-body-sm">This paper reviews the theoretical literature on the growth of digital and information technology in the Indian banking industry. The stupendous advancements in digital technology have transformed the way banks operate. The commencement of the age of digital business has been disrupting the business environment and breaking out innovative and singular ways of doing business. One of the latest outcomes of this is digital banking. Digital banking technologies have escalated over the years, with the availability of a large portfolio of products such as deposits, ATMs, debit cards, mobile payments, and the like. There is an immense possibility of using the infrastructure of the digital age to create opportunities both local and global. The increase in competition and various other challenges in the banking sector are pushing the banks to adopt new digital models that present unique sources of value to them. This paper examines the extent and the direction of the effect of digital techno...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Digital technology in the realm of banking: A review of literature","attachmentId":82266061,"attachmentType":"pdf","work_url":"https://www.academia.edu/73927417/Digital_technology_in_the_realm_of_banking_A_review_of_literature","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/73927417/Digital_technology_in_the_realm_of_banking_A_review_of_literature"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div></div><div class="ds-sticky-ctas--wrapper js-loswp-sticky-ctas hidden"><div class="ds-sticky-ctas--grid-container"><div class="ds-sticky-ctas--container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--sticky-ctas","attachmentId":107907825,"attachmentType":"pdf","workUrl":null}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--sticky-ctas","attachmentId":107907825,"attachmentType":"pdf","workUrl":null}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div><div class="ds-below-fold--grid-container"><div class="ds-work--container js-loswp-embedded-document"><div class="attachment_preview" data-attachment="Attachment_107907825" style="display: none"><div class="js-scribd-document-container"><div class="scribd--document-loading js-scribd-document-loader" style="display: block;"><img alt="Loading..." src="//a.academia-assets.com/images/loaders/paper-load.gif" /><p>Loading Preview</p></div></div><div style="text-align: center;"><div class="scribd--no-preview-alert js-preview-unavailable"><p>Sorry, preview is currently unavailable. You can download the paper by clicking the button above.</p></div></div></div></div><div class="ds-sidebar--container js-work-sidebar"><div class="ds-related-content--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="0" data-entity-id="88261403" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/88261403/The_Change_in_Traditional_Banking_with_the_Effects_of_Ict">The Change in Traditional Banking with the Effects of Ict</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="64594222" href="https://independent.academia.edu/swasiuzzaman">shaista wasiuzzaman</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2006</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Change in Traditional Banking with the Effects of Ict","attachmentId":92267725,"attachmentType":"pdf","work_url":"https://www.academia.edu/88261403/The_Change_in_Traditional_Banking_with_the_Effects_of_Ict","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/88261403/The_Change_in_Traditional_Banking_with_the_Effects_of_Ict"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="1" data-entity-id="72645507" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/72645507/INFORMATION_TECHNOLOGY_INNOVATION_ENABLED_MODERN_BANKING_FACTORS_AND_THEIR_INFLUENCE_ON_DEMOGRAPHIC_ASPECTS_OF_CUSTOMER">INFORMATION TECHNOLOGY, INNOVATION ENABLED MODERN BANKING FACTORS AND THEIR INFLUENCE ON DEMOGRAPHIC ASPECTS OF CUSTOMER</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="58326302" href="https://independent.academia.edu/IjetrmJournal">Ijetrm Journal</a></div><p class="ds-related-work--metadata ds2-5-body-xs">ijetrm journal, 2022</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"INFORMATION TECHNOLOGY, INNOVATION ENABLED MODERN BANKING FACTORS AND THEIR INFLUENCE ON DEMOGRAPHIC ASPECTS OF CUSTOMER","attachmentId":81492247,"attachmentType":"pdf","work_url":"https://www.academia.edu/72645507/INFORMATION_TECHNOLOGY_INNOVATION_ENABLED_MODERN_BANKING_FACTORS_AND_THEIR_INFLUENCE_ON_DEMOGRAPHIC_ASPECTS_OF_CUSTOMER","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/72645507/INFORMATION_TECHNOLOGY_INNOVATION_ENABLED_MODERN_BANKING_FACTORS_AND_THEIR_INFLUENCE_ON_DEMOGRAPHIC_ASPECTS_OF_CUSTOMER"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="2" data-entity-id="18723063" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/18723063/The_impact_of_information_technology_on_the_banking_industry">The impact of information technology on the banking industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="11841316" href="https://qmul.academia.edu/SushantaMallick">Sushanta Mallick</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of the Operational Research Society, 2010</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The impact of information technology on the banking industry","attachmentId":42143051,"attachmentType":"pdf","work_url":"https://www.academia.edu/18723063/The_impact_of_information_technology_on_the_banking_industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/18723063/The_impact_of_information_technology_on_the_banking_industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="3" data-entity-id="51555322" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/51555322/Digital_disruption_of_the_banking_industry_Threat_or_opportunity">Digital disruption of the banking industry: Threat or opportunity?</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="26858596" href="https://singidunum.academia.edu/NatasaKrstic">Natasa Krstic</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Bankarstvo, 2016</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Digital disruption of the banking industry: Threat or opportunity?","attachmentId":69230358,"attachmentType":"pdf","work_url":"https://www.academia.edu/51555322/Digital_disruption_of_the_banking_industry_Threat_or_opportunity","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/51555322/Digital_disruption_of_the_banking_industry_Threat_or_opportunity"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="4" data-entity-id="116650590" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/116650590/The_Impact_of_Electronic_Banking_and_Information_Technology_on_the_Employees_of_Banking_Sector">The Impact of Electronic Banking and Information Technology on the Employees of Banking Sector</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="299453394" href="https://independent.academia.edu/AnshuYadav244">Anshu Yadav</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Management and Labour Studies, 2017</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impact of Electronic Banking and Information Technology on the Employees of Banking Sector","attachmentId":112720906,"attachmentType":"pdf","work_url":"https://www.academia.edu/116650590/The_Impact_of_Electronic_Banking_and_Information_Technology_on_the_Employees_of_Banking_Sector","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/116650590/The_Impact_of_Electronic_Banking_and_Information_Technology_on_the_Employees_of_Banking_Sector"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="5" data-entity-id="59958507" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/59958507/Varying_Impacts_of_Electronic_Banking_on_the_Banking_Industry">Varying Impacts of Electronic Banking on the Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="29762322" href="https://uopeople.academia.edu/SaliBakare">Sali Bakare</a></div><p class="ds-related-work--metadata ds2-5-body-xs">The Journal of Internet Banking and Commerce, 2015</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Varying Impacts of Electronic Banking on the Banking Industry","attachmentId":73619184,"attachmentType":"pdf","work_url":"https://www.academia.edu/59958507/Varying_Impacts_of_Electronic_Banking_on_the_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/59958507/Varying_Impacts_of_Electronic_Banking_on_the_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="6" data-entity-id="2337879" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/2337879/Information_and_Communication_Technology_ICT_and_Banking_Industry">Information and Communication Technology (ICT) and Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="2980511" href="https://ui-edu-ng.academia.edu/ADEMOLAEMMANUELO">ADEMOLA EMMANUEL O.</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Mediterranean Journal of Social Sciences, 2011</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Information and Communication Technology (ICT) and Banking Industry","attachmentId":30380481,"attachmentType":"pdf","work_url":"https://www.academia.edu/2337879/Information_and_Communication_Technology_ICT_and_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/2337879/Information_and_Communication_Technology_ICT_and_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="7" data-entity-id="13603044" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/13603044/Impact_of_the_Internet_on_the_Banking_Industry">Impact of the Internet on the Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="32778071" href="https://independent.academia.edu/AnetteLeiton">Anette Leiton</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impact of the Internet on the Banking Industry","attachmentId":38085937,"attachmentType":"doc","work_url":"https://www.academia.edu/13603044/Impact_of_the_Internet_on_the_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/13603044/Impact_of_the_Internet_on_the_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="8" data-entity-id="6138635" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/6138635/The_Impact_of_Information_Technology_on_the_Banking_Industry_Theory_and_Empirics">The Impact of Information Technology on the Banking Industry: Theory and Empirics</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="9316326" href="https://pondiuni.academia.edu/chitrak">Chitra Krishnamoorthy</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impact of Information Technology on the Banking Industry: Theory and Empirics","attachmentId":33035836,"attachmentType":"pdf","work_url":"https://www.academia.edu/6138635/The_Impact_of_Information_Technology_on_the_Banking_Industry_Theory_and_Empirics","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/6138635/The_Impact_of_Information_Technology_on_the_Banking_Industry_Theory_and_Empirics"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="9" data-entity-id="3666737" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/3666737/USSAGE_AND_IMPEDIMENTS_OF_TECHNOLOGY_ENABLED_SERVICES_IN_BANKING_SECTOR">USSAGE AND IMPEDIMENTS OF TECHNOLOGY ENABLED SERVICES IN BANKING SECTOR</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="3194628" href="https://iaeme.academia.edu/iaeme">iaeme iaeme</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"USSAGE AND IMPEDIMENTS OF TECHNOLOGY ENABLED SERVICES IN BANKING SECTOR","attachmentId":31357932,"attachmentType":"pdf","work_url":"https://www.academia.edu/3666737/USSAGE_AND_IMPEDIMENTS_OF_TECHNOLOGY_ENABLED_SERVICES_IN_BANKING_SECTOR","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/3666737/USSAGE_AND_IMPEDIMENTS_OF_TECHNOLOGY_ENABLED_SERVICES_IN_BANKING_SECTOR"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="10" data-entity-id="35775917" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/35775917/IJMIE_A_Monthly_Double_Blind_Peer_Reviewed_Refereed_Open_Access_International_e_Journal_Included_in_the_International_Serial_Directories_A_Review_On_Information_Communication_Technology_And_Service_Quality_In_The_Banking_Industry">IJMIE A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal -Included in the International Serial Directories A Review On Information Communication Technology And Service Quality In The Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="3432150" href="https://independent.academia.edu/editorijmraus">Publisher ijmra.us UGC Approved</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IJMIE A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal -Included in the International Serial Directories A Review On Information Communication Technology And Service Quality In The Banking Industry","attachmentId":55652399,"attachmentType":"pdf","work_url":"https://www.academia.edu/35775917/IJMIE_A_Monthly_Double_Blind_Peer_Reviewed_Refereed_Open_Access_International_e_Journal_Included_in_the_International_Serial_Directories_A_Review_On_Information_Communication_Technology_And_Service_Quality_In_The_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/35775917/IJMIE_A_Monthly_Double_Blind_Peer_Reviewed_Refereed_Open_Access_International_e_Journal_Included_in_the_International_Serial_Directories_A_Review_On_Information_Communication_Technology_And_Service_Quality_In_The_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="11" data-entity-id="101909975" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/101909975/Business_impacts_of_electronic_banking_technologies">Business impacts of electronic banking technologies</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="270056695" href="https://independent.academia.edu/AnjanRoy56">Anjan Roy</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Electronic Banking, 2018</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Business impacts of electronic banking technologies","attachmentId":102319104,"attachmentType":"pdf","work_url":"https://www.academia.edu/101909975/Business_impacts_of_electronic_banking_technologies","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/101909975/Business_impacts_of_electronic_banking_technologies"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="12" data-entity-id="4857822" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/4857822/Computerization_In_Banks_Some_Issues">Computerization In Banks -Some Issues</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="2594470" href="https://independent.academia.edu/iosrjournals">IOSR Journals</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Computerization In Banks -Some Issues","attachmentId":32137993,"attachmentType":"pdf","work_url":"https://www.academia.edu/4857822/Computerization_In_Banks_Some_Issues","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/4857822/Computerization_In_Banks_Some_Issues"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="13" data-entity-id="3013274" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/3013274/The_Impact_of_Information_and_Communication_Technology_on_Banks_Performance_and_Customer_Service_Delivery_in_the_Banking_Industry">The Impact of Information and Communication Technology on Banks’ Performance and Customer Service Delivery in the Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="377839" href="https://uthm.academia.edu/rosmainitasmin">rosmaini tasmin</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2012</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impact of Information and Communication Technology on Banks’ Performance and Customer Service Delivery in the Banking Industry","attachmentId":30957566,"attachmentType":"pdf","work_url":"https://www.academia.edu/3013274/The_Impact_of_Information_and_Communication_Technology_on_Banks_Performance_and_Customer_Service_Delivery_in_the_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/3013274/The_Impact_of_Information_and_Communication_Technology_on_Banks_Performance_and_Customer_Service_Delivery_in_the_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="14" data-entity-id="11796369" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/11796369/Information_and_Communication_Technology_Usage_and_Bank_Branch">Information and Communication Technology Usage and Bank Branch</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="29039262" href="https://independent.academia.edu/kAlZadjali">khalid Al Zadjali</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Information and Communication Technology Usage and Bank Branch","attachmentId":37211620,"attachmentType":"pdf","work_url":"https://www.academia.edu/11796369/Information_and_Communication_Technology_Usage_and_Bank_Branch","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/11796369/Information_and_Communication_Technology_Usage_and_Bank_Branch"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="15" data-entity-id="65149425" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/65149425/Impacts_of_Digitalization_on_Banks_and_Banking">Impacts of Digitalization on Banks and Banking</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="9040415" href="https://independent.academia.edu/b%C3%BClentbalkan">bülent balkan</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2021</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impacts of Digitalization on Banks and Banking","attachmentId":76869371,"attachmentType":"pdf","work_url":"https://www.academia.edu/65149425/Impacts_of_Digitalization_on_Banks_and_Banking","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/65149425/Impacts_of_Digitalization_on_Banks_and_Banking"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="16" data-entity-id="38655236" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/38655236/Digital_Revolution_A_Re_Structured_Banking_System">'Digital Revolution'-A Re-Structured Banking System</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="12721280" href="https://independent.academia.edu/ResmiDheeru">Dr.Resmi CP</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Shanlax Journal of Economics, 2018</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"'Digital Revolution'-A Re-Structured Banking System","attachmentId":58734208,"attachmentType":"pdf","work_url":"https://www.academia.edu/38655236/Digital_Revolution_A_Re_Structured_Banking_System","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/38655236/Digital_Revolution_A_Re_Structured_Banking_System"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="17" data-entity-id="113077421" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/113077421/The_Role_of_Electronic_Receipt_and_Payment_Instruments_in_the_Development_of_Banking_Services">The Role of Electronic Receipt and Payment Instruments in the Development of Banking Services</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="65358740" href="https://independent.academia.edu/fathollahtari">fathollah tari</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2020</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Role of Electronic Receipt and Payment Instruments in the Development of Banking Services","attachmentId":110133698,"attachmentType":"pdf","work_url":"https://www.academia.edu/113077421/The_Role_of_Electronic_Receipt_and_Payment_Instruments_in_the_Development_of_Banking_Services","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/113077421/The_Role_of_Electronic_Receipt_and_Payment_Instruments_in_the_Development_of_Banking_Services"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="18" data-entity-id="44866664" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/44866664/Journal_of_Business_Management_and_Accounts_Studies_THE_IMPACT_OF_INFORMATION_COMMUNICATION_TECHNOLOGY_ON_BANK_OPERATIONS_A_STUDY_OF_POLARIS_BANK_NIGERIA_PLC">Journal of Business Management & Accounts Studies THE IMPACT OF INFORMATION COMMUNICATION TECHNOLOGY ON BANK OPERATIONS (A STUDY OF POLARIS BANK NIGERIA PLC</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="106152591" href="https://lasunigeria.academia.edu/httpsscholargooglecomcitationsuserOCJIzN0AAAAJhlen">HASSAN I B R A H I M KOREDE</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Journal of Business Management \u0026 Accounts Studies THE IMPACT OF INFORMATION COMMUNICATION TECHNOLOGY ON BANK OPERATIONS (A STUDY OF POLARIS BANK NIGERIA PLC","attachmentId":65378077,"attachmentType":"pdf","work_url":"https://www.academia.edu/44866664/Journal_of_Business_Management_and_Accounts_Studies_THE_IMPACT_OF_INFORMATION_COMMUNICATION_TECHNOLOGY_ON_BANK_OPERATIONS_A_STUDY_OF_POLARIS_BANK_NIGERIA_PLC","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/44866664/Journal_of_Business_Management_and_Accounts_Studies_THE_IMPACT_OF_INFORMATION_COMMUNICATION_TECHNOLOGY_ON_BANK_OPERATIONS_A_STUDY_OF_POLARIS_BANK_NIGERIA_PLC"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="19" data-entity-id="78192449" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/78192449/THE_IMPACT_OF_INTERNET_BANKING_ON_THE_USE_OF_BANKING_SERVICES_by_Grui_Anton_A_thesis_submitted_in_partial_fulfillment_of_the_requirements_for_the_degree_of_MA_in_Economic_Analysis">THE IMPACT OF INTERNET BANKING ON THE USE OF BANKING SERVICES by Grui Anton A thesis submitted in partial fulfillment of the requirements for the degree of MA in Economic Analysis</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="24100363" href="https://independent.academia.edu/DenysNizalov">Denys Nizalov</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2014</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"THE IMPACT OF INTERNET BANKING ON THE USE OF BANKING SERVICES by Grui Anton A thesis submitted in partial fulfillment of the requirements for the degree of MA in Economic Analysis","attachmentId":85325282,"attachmentType":"pdf","work_url":"https://www.academia.edu/78192449/THE_IMPACT_OF_INTERNET_BANKING_ON_THE_USE_OF_BANKING_SERVICES_by_Grui_Anton_A_thesis_submitted_in_partial_fulfillment_of_the_requirements_for_the_degree_of_MA_in_Economic_Analysis","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/78192449/THE_IMPACT_OF_INTERNET_BANKING_ON_THE_USE_OF_BANKING_SERVICES_by_Grui_Anton_A_thesis_submitted_in_partial_fulfillment_of_the_requirements_for_the_degree_of_MA_in_Economic_Analysis"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="20" data-entity-id="13965107" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/13965107/The_Impacts_of_ICTs_on_Banks_A_Case_study_of_the_Nigerian_Banking_Industry">The Impacts of ICTs on Banks A Case study of the Nigerian Banking Industry</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="33014138" href="https://mautech.academia.edu/MatthewLuka">Matthew Luka</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Advanced Computer Science and Applications - IJACSA, 2012</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impacts of ICTs on Banks A Case study of the Nigerian Banking Industry","attachmentId":38168919,"attachmentType":"pdf","work_url":"https://www.academia.edu/13965107/The_Impacts_of_ICTs_on_Banks_A_Case_study_of_the_Nigerian_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/13965107/The_Impacts_of_ICTs_on_Banks_A_Case_study_of_the_Nigerian_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="21" data-entity-id="15799154" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/15799154/IT_ENABLED_BANKING_SERVICES_IN_THE_GLOBALISED_ERA">IT ENABLED BANKING SERVICES IN THE GLOBALISED ERA</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="4959846" href="https://msuniv.academia.edu/DarlingSelvi">Darling Selvi</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"IT ENABLED BANKING SERVICES IN THE GLOBALISED ERA","attachmentId":38798420,"attachmentType":"pdf","work_url":"https://www.academia.edu/15799154/IT_ENABLED_BANKING_SERVICES_IN_THE_GLOBALISED_ERA","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/15799154/IT_ENABLED_BANKING_SERVICES_IN_THE_GLOBALISED_ERA"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="22" data-entity-id="33174641" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/33174641/The_Impact_of_Information_Technology_in_Banking_System_A_Case_Study_in_Bank_Keshavarzi_IRAN">The Impact of Information Technology in Banking System (A Case Study in Bank Keshavarzi IRAN</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="64701654" href="https://independent.academia.edu/MuhammadgufranArif">Muhammad gufran Arif</a></div><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Impact of Information Technology in Banking System (A Case Study in Bank Keshavarzi IRAN","attachmentId":53259790,"attachmentType":"pdf","work_url":"https://www.academia.edu/33174641/The_Impact_of_Information_Technology_in_Banking_System_A_Case_Study_in_Bank_Keshavarzi_IRAN","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/33174641/The_Impact_of_Information_Technology_in_Banking_System_A_Case_Study_in_Bank_Keshavarzi_IRAN"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="23" data-entity-id="91973620" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/91973620/The_Effect_of_Information_Technology_in_Saderat_Banking_System">The Effect of Information Technology in Saderat Banking System</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="5973402" href="https://srbiau.academia.edu/hosseinAhmadirezaei">hossein Ahmadirezaei</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Procedia - Social and Behavioral Sciences, 2011</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Effect of Information Technology in Saderat Banking System","attachmentId":95108985,"attachmentType":"pdf","work_url":"https://www.academia.edu/91973620/The_Effect_of_Information_Technology_in_Saderat_Banking_System","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/91973620/The_Effect_of_Information_Technology_in_Saderat_Banking_System"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-related-work-sidebar-card" data-collection-position="24" data-entity-id="116067040" data-sort-order="default"><a class="ds-related-work--title js-related-work-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services">Information Technology plays a vital role in banking sector: Future Banking Services</a><div class="ds-related-work--metadata"><a class="js-related-work-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="45647198" href="https://independent.academia.edu/DAllenroseshamini">D. Allen rose shamini</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of emerging technologies and innovative research, 2018</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Information Technology plays a vital role in banking sector: Future Banking Services","attachmentId":112300530,"attachmentType":"pdf","work_url":"https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-related-work-grid-card-view-pdf" href="https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div><div class="ds-related-content--container"><h2 class="ds-related-content--heading">Related topics</h2><div class="ds-research-interests--pills-container"><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="26" href="https://www.academia.edu/Documents/in/Business">Business</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="37" href="https://www.academia.edu/Documents/in/Information_Systems">Information Systems</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="422" href="https://www.academia.edu/Documents/in/Computer_Science">Computer Science</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="491" href="https://www.academia.edu/Documents/in/Information_Technology">Information Technology</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="1241" href="https://www.academia.edu/Documents/in/Knowledge_Management">Knowledge Management</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="2731" href="https://www.academia.edu/Documents/in/Mathematics_Education">Mathematics Education</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="3180" href="https://www.academia.edu/Documents/in/International_Trade">International Trade</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="7454" href="https://www.academia.edu/Documents/in/Information_Communication_Technology">Information Communication Techno...</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="7585" href="https://www.academia.edu/Documents/in/ICT_in_Education">ICT in Education</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="8968" href="https://www.academia.edu/Documents/in/Productivity">Productivity</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="10414" href="https://www.academia.edu/Documents/in/ICT">ICT</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="12108" href="https://www.academia.edu/Documents/in/China">China</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="59780" href="https://www.academia.edu/Documents/in/Enterprenurship">Enterprenurship</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="83229" href="https://www.academia.edu/Documents/in/Best_practice">Best practice</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="96212" href="https://www.academia.edu/Documents/in/Information_and_Communications_Technology">Information and Communications T...</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="104446" href="https://www.academia.edu/Documents/in/Academic_achievement">Academic achievement</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="131237" href="https://www.academia.edu/Documents/in/Cluster_Analysis">Cluster Analysis</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="545666" href="https://www.academia.edu/Documents/in/Payment">Payment</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="3100232" href="https://www.academia.edu/Documents/in/Net_Income">Net Income</a><a class="js-related-research-interest ds-research-interests--pill" data-entity-id="3722288" href="https://www.academia.edu/Documents/in/Profitability_Index">Profitability Index</a></div></div></div></div></div><div class="footer--content"><ul class="footer--main-links hide-on-mobile"><li><a href="https://www.academia.edu/about">About</a></li><li><a href="https://www.academia.edu/press">Press</a></li><li><a rel="nofollow" href="https://medium.com/academia">Blog</a></li><li><a href="https://www.academia.edu/documents">Papers</a></li><li><a href="https://www.academia.edu/topics">Topics</a></li><li><a href="https://www.academia.edu/hiring"><svg style="width: 13px; height: 13px; position: relative; bottom: -1px;" aria-hidden="true" focusable="false" data-prefix="fas" data-icon="briefcase" class="svg-inline--fa fa-briefcase fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M320 336c0 8.84-7.16 16-16 16h-96c-8.84 0-16-7.16-16-16v-48H0v144c0 25.6 22.4 48 48 48h416c25.6 0 48-22.4 48-48V288H320v48zm144-208h-80V80c0-25.6-22.4-48-48-48H176c-25.6 0-48 22.4-48 48v48H48c-25.6 0-48 22.4-48 48v80h512v-80c0-25.6-22.4-48-48-48zm-144 0H192V96h128v32z"></path></svg> <strong>We're Hiring!</strong></a></li><li><a href="https://support.academia.edu/"><svg style="width: 12px; height: 12px; position: relative; bottom: -1px;" aria-hidden="true" focusable="false" data-prefix="fas" data-icon="question-circle" class="svg-inline--fa fa-question-circle fa-w-16" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path fill="currentColor" d="M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z"></path></svg> <strong>Help Center</strong></a></li></ul><ul class="footer--research-interests"><li>Find new research papers in:</li><li><a href="https://www.academia.edu/Documents/in/Physics">Physics</a></li><li><a href="https://www.academia.edu/Documents/in/Chemistry">Chemistry</a></li><li><a href="https://www.academia.edu/Documents/in/Biology">Biology</a></li><li><a href="https://www.academia.edu/Documents/in/Health_Sciences">Health Sciences</a></li><li><a href="https://www.academia.edu/Documents/in/Ecology">Ecology</a></li><li><a href="https://www.academia.edu/Documents/in/Earth_Sciences">Earth Sciences</a></li><li><a href="https://www.academia.edu/Documents/in/Cognitive_Science">Cognitive Science</a></li><li><a href="https://www.academia.edu/Documents/in/Mathematics">Mathematics</a></li><li><a href="https://www.academia.edu/Documents/in/Computer_Science">Computer Science</a></li></ul><ul class="footer--legal-links hide-on-mobile"><li><a href="https://www.academia.edu/terms">Terms</a></li><li><a href="https://www.academia.edu/privacy">Privacy</a></li><li><a href="https://www.academia.edu/copyright">Copyright</a></li><li>Academia ©2024</li></ul></div> </body> </html>