Segmentation of Budweiser

Internet banking refers to an online facility which provides an alternative channel for delivering banking or financial services and enables individuals to access their accounts anytime and anywhere through a bank’s web site (Z. Liao, Z., and M. T. Cheung, 2012). In other words, online banking named as E-banking, internet banking or virtual banking. Generally, the operation of online banking is connect to the core banking system designed by bank and then contrast to branch banking which refer to traditional way of bank customers accessed to banking services. Nowadays, internet banking is one of the most important businesses in electronic business around the world (Ariff et al, 2012). Most of the conventional banks have to operate and provide the online banking service to their customers as needs by

Aijaz ,Shaikh & Karjaluoto (2014) carried out a literature review on mobile banking adoption. In their research report journal they acknowledged that e-commerce continues to play a significant role in the international business environment. They further stated that technologies and applications now focus more on mobile commerce, mobile computing among others. Consequently, mobile banking has been considered an instrumental channel of distribution and therefore research focus on its adoption. By the year 2017 there is a prediction that over 1 Billion people will be using mobile banking globally which is a representation of 15% of the overall number of mobile users. Statistics also indicate that around half of the overall number of mobile subscribers is unbanked. This therefore indicates growth opportunities for the banks and a current slow trend in adoption of the mobile banking application.

This research will modifies and integrates the motivation model, self-determination theory (SDT) (Deci and Ryan, 1985) and technology acceptance model (TAM) (Davis, 1989). This research will find the impact of extrinsic and intrinsic motivational factors on trust. The report will determine whether the extrinsic motivational factors and/or intrinsic motivational factors increase or decrease trust to adopt internet banking. People who are living in low income and developing countries such as Pakistan, Bangladesh and India have to deal with many problems such as poverty, corruption and weak legal structure, all of these problems will lead to distrust in their lives. Similarly, the technology that deals with finance and money is going to be difficult to adopt by people who lives in low income countries due to lack of trust. Trust on internet banking system and security has to be developed in order for the people to adopt internet banking systems. Trust can be developed if the financial institutions works on extrinsic and intrinsic motivational factors which will ultimately helps the banking industry to gain trust of older customers of using and experiencing benefits of internet banking.

This chapter illustrates complete assessment on the findings made on electronic payment platform adoption prospect by Royal Insurance Corporation of Bhutan Limited in its chosen lines of businesses. The theoretical framework of Iacovou et al., (1995) model was used as the base for the research, customized to be applicable to Bhutanese perception. The Independent variables are perceived benefits, top management support, organizational readiness and external pressure and electronic payment platform adoption as dependent variable. The research also came upon some of astoundingly latest findings; it

In Sub-Saharan Africa, developments in information and communication technology are radically changing the way business is done. These developments in technology have resulted in new delivery channels for banking products and services such as Automated Teller Machines (ATMs), Telephone Banking, PC-Banking, and Electronic Funds Transfer at Point of Sale (EFTPoS). This study evaluates the perceptions of banking customers regarding the effect of technological innovations on banking services in Ghana. The study focused on customers with banks that have at least one form of technological

The second section reviews studies which have examined the importance of perceived ease of use in explaining customers ' acceptance on online banking. Perceived usefulness and perceived ease of use are the original constructs proposed by Davis (1989) in his model TAM. This model is used as a point of reference to study the factors influencing Internet banking acceptance in Kota Kinabalu, Northern Borneo, Malaysia. Two original constructs of TAM, perceived usefulness and perceived ease of use, as noted earlier will be employed. The third section explains about the importance of perceived credibility - security and privacy in assessing the customers ' plan to use online banking in the future. The fourth section reviews the importance of perceived enjoyment that may affect the customers ' acceptance on online banking. Finally, the last section pertains to social norm as investigated previously by Nysveen et al. (2005); and Venkatesh and Morris (2000). Their studies suggest the importance of social norm in explaining its effect for the technology adoption.

Literature review Data Analysis and interpretation o Online banking o iMobile o PAYBACK o Privilege Banking o ATM Banking

This chapter gives a summary of deductions from the data analysis in the previous chapter. It also enumerates the various options necessary to develop an effective e-banking awareness strategy to enhance service delivery in GT Bank plc and the cost implication. For continuous existence in business, the bank must improve on its service delivery to guarantee customer’s stay in the bank by developing effective e-banking services

“E-Business: Application of software and technology in selected Ethiopian Banks: Issues and challenges” is a scholarly journal published by International Journal of Computer Science Issues (IJCSI) on November 2011. It is written by Vijay, Bhaskar Reddy Muvva; Asefa, Tewdros Sisay.

MOBILE BANKING: Mobile technology is well accepted and widely available at an affordable price. It is also suitable for banking and payment services and provides huge opportunity to extend financial services to each and every individual irrespective of the place where one is residing. Internet banking has helped the customers by accessing their account anytime, anywhere, at any place. Customers can check their account details, get their banks statement, and perform many transactions in the comfort of their home or office.

Considering Guaranty Trust Bank Plc, Nigeria as a case study,this present research questions were processed to solve the problems associated with the adoption of electronic banking in Guaranty Trust bank and the banking industry in general in terms of connectivity to the internet.

To achieve the objectives of the study, the following hypotheses are formulated: H01: Ha1: H02: There is no significant difference in the present e-banking scenario of ATM, Internet banking, Mobile banking and Credit cards in India. There is a significant difference in the present e-banking scenario of ATM, Internet banking, Mobile banking and Credit cards in India. There is no significant difference in the impact of ATM, Internet banking, Mobile banking and Credit cards on customer satisfaction in PSBs, PSIBs and PSFBs in India. There is a significant difference in the impact of ATM, Internet Banking, Mobile banking and Credit Cards on customer satisfaction in PSBs, PSIBs and PSFBs in India.

This research work intends to assess the extent of electronic payment in banking activities as well as identify the various types of electronic banking.

Findings: The important factors that affect the perception of customers towards mobile banking are convenience, security, faith on traditional banking and

The research is focused on what are the customer’s perceptions about internet banking and what are the drivers that drive consumers. How consumers have accepted internet banking and how to improve the usage rate were the focus of research area in this study.