Branchless banking agents: Business satisfaction, continuity, and viability

Palaon, Hilman; Wiryono, Sudarso Kaderi; Faturohman, Taufik

doi:10.1080/23311975.2020.1823585

Cited by 13 publications

(10 citation statements)

References 32 publications

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“…Second, increase education and socialization to the community regarding the values and basic principles of Islamic banking. Third, improve the quality of agents through continuous training (Palaon et al, 2020). Fourth, focus on banking products and services that generate more revenues.…”

Section: Resultsmentioning

confidence: 99%

Branchless banking and profitability in the Indonesian Islamic banking industry

Arif¹,

Cahyani²

2021

JEKI

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Purpose -This study aims to examine the effect of branchless banking on the level of profitability in Islamic banks.Methodology -This study uses two Islamic banks that have implemented branchless banking (BRI Syariah and BTPN Syariah) and two Islamic banks that have not implemented this policy (BNI Syariah and Bukopin Syariah). This study uses regression analysis techniques with panel data. The model used in this study is the fixed effect model.Findings -This study shows that the branchless banking policy has a positive impact on profitability. This result implies that the implementation of branchless banking can improve the performance of Islamic banks in Indonesia. So, it is hoped that other Islamic banks can implement this branchless banking policy to overcome the limitations of their network. In addition, branchless banking can expand customer reach to areas that have not been served well by Islamic banks.Originality -Research on branchless banking in Islamic banks in Indonesia is still limited. There are only few studies comparing banks that have implemented branchless banking with banks that have not implemented this policy. Therefore, this research will contribute to a study that discusses branchless banking in Islamic banks in Indonesia, especially its impact on performance.

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Section: Resultsmentioning

confidence: 99%

Branchless banking and profitability in the Indonesian Islamic banking industry

Arif¹,

Cahyani²

2021

JEKI

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“…The use term is a proposal to measure banking innovation used mainly by developing countries with large territories and marginalized areas where banks have little or no penetration and, therefore, a population excluded from the formal banking system. (Ky et al, 2021;Palaon et al, 2020;Zhu et al, 2021). Banking services are provided from remote locations to branches using devices with internet access such as customers' mobile phones, points of sale (POS), automatic teller machines (ATM), and through third parties that represent the bank, who are known as correspondents or commission agents .…”

Section: Branchless Bankingmentioning

confidence: 99%

“…Table 4 shows the growth of banking access points and branches between 2011 and 2021. ATM, Point of Sale Terminals (POS), correspondents, and mobile banking are also part of the dimensions of financial innovation in various articles Palaon et al, 2020;Waleed & Tahir, 2020). Mexico presents a significant lag in terms of branches operating in the territory compared to other countries.…”

Section: Posmentioning

confidence: 99%

Banking innovations and their effect on profitability

González

Figueroa

Prado‐Román

2022

myn

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This research seeks to answer these questions by analyzing multiple empirical articles carried out at different times, in different countries, and with various innovations. The research is divided into three sections: first, it presents a chronology of the evolution of banks, their main innovations, and events that have modified the banking business model to adapt it to banking today. The second is based on bibliometric tools to present the primary references of the articles that analyze the relationship between innovation and bank profitability and its conceptual structure. The third section analyzes the concept of branchless banking and its factors. Three findings stand out: 1) according to the empirical literature consulted, it is concluded that innovation does affect profitability, 2) publications have grown in recent years, with China being the most productive country and the United States the most influential, and 3) The concept of branchless banking is a viable alternative to measure innovation in the Mexican banking sector.

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“…Sehingga akses masyarakat terhadap layanan keuangan semakin mudah dengan mengunjungi agen terdekat, masyarakat juga dapat mengakses layanan perbankan tanpa ribet dan pada akhirnya dapat meningkatkan kesejahteraan masyarakat. Hasil penelitian ini mendukung hasil penelitian Palaon et al (2020) yang menyimpulkan bahwa branchless banking merupakan inovasi yang memberikan layanan keuangan kepada nasabah khususnya di daerah pedesaan. Solusi ini telah banyak diterapkan di negara berkembang dan berhasil mempercepat agenda inklusi keuangan.…”

Section: Hasil Dan Pembahasan Uji Asumsi Klasikunclassified

Penggunaan Teknologi Branchless Banking Sebagai Alat Memperluas Inklusi Keuangan Masyarakat Kab. Kampar – Riau

Nofirda

Kinasih

2021

JAE

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This study aims to see the effect of branchless banking on financial inclusion. The sample in this study amounted to 96 respondents. The sampling technique used was purposive sampling method. Data collection techniques using primary data in the form of questionnaires and secondary data. This study uses a regression test to test the hypothesis. This study found that branchless banking has a positive effect on the financial inclusion of the people of Kampar Regency, Riau.

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Branchless banking agents: Business satisfaction, continuity, and viability

Cited by 13 publications

References 32 publications

Branchless banking and profitability in the Indonesian Islamic banking industry

Branchless banking and profitability in the Indonesian Islamic banking industry

Banking innovations and their effect on profitability

Penggunaan Teknologi Branchless Banking Sebagai Alat Memperluas Inklusi Keuangan Masyarakat Kab. Kampar – Riau

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