A Framework on Internet Banking Services for the Rationalized Generations


  • Md. Rahimullah Miah Leading University




Internet Banking, Currency Converter, Perception, Rationalized and Technological Arena


The augmented Internet Banking Service is increasingly popular both in Bangladesh and elsewhere. This paper explores a predicted framework for global Internet Banking that emphasizes the transformative interaction among the effective customers around the regional, national and global banking indicating advanced on backend models, instructional strategies, and transaction technologies in the context on upcoming generations. We have to develop the framework on global enhanced transaction systems especially individual global account, effective online banking systems to fulfill the required method, implementing design and appraising the feedback with standard technology according to network topology for disseminating of global banking technological arena. Despite decades of development, electronic payments still need practical examples of how to use electronic payment technology within a uniqueness and rationalized way including global electronic transaction, language tools, currency converter and electronic workstation. This research focuses the major issues responsible for Internet Banking based on respondents’ perception through various internet applications. The author presents a theoretical framework for our represented method, taking into account previous models and characteristics of an effective Internet Banking Security. In addition, we illustrate the global technology that we have to expand and execute among the customers’ satisfaction within the expected model. We follow this with an evaluation of achievement, both in the global banking implementation and the amplitude framework according to periodical requirements. Finally, we focus highly developed research trajectories of the model and recommendations for how to further avail the internet banking subscribers to design more secure alternatives.

JEL Classification Code:  G29


Download data is not yet available.

Author Biography

Md. Rahimullah Miah, Leading University

Lecturer in MIS, Leading University, Sylhet, Bangladesh


ABA (American Bankers Association). (2004). “Affluent Customers Going Online”, ABA eAlert, IV (10), May 14, 2004. Retrieved from World Wide Web on 5 February 2006 at http://www.aba.com/Industry+Issues/ealert410.htm

ACNielsen, (2005) “Online banking continues despite security concerns”, ACNielsen, Retrieved from World Wide Web on 7 February 2006 at http://www.acnielsen.com.au/news.asp?newsID=301

BankInfo, (2011). Internet Banking in Bangladesh. URL: http://bankinfobd.com/blog/internet-banking-in-bangladesh.

Black, N.J., Lockett, A., Ennew, C., Winklhofer, H., and S. McKechnie, (2002). “Modeling customer choice of distribution channels: an illustration from financial services”, International Journal of Bank Marketing, Vol. 20, No. 4: 161-173.

Davis, F.D. (1989), “Perceived usefulness, perceived ease of use, and user acceptance of information technology”, MIS Quarterly, Vol. 13 No. 3, pp. 319-40.

Field Data. (2011). Internet Banking: A Study on Dutch Bangla Bank Limited, Sylhet Branch (unpublished Internship Report).

Fox, S., (2005). “Online Banking Jumps 47% in 2 Years”, Pew Internet and American Life Project. Retrieved from World Wide Web on 15 February 2006 at http://www.pewInternet.org/pdfs/PIP_Online_Banking_2005.pdf.

Gartner, (2003a). “Gartner Says Banks Must Focus on Online Financial Applications to Remain Competitive in 2003 and Beyond”, Press Release, Gartner Group, February 20, 2003.

Gonzalez, M.E., M.R. Dentiste and M.W. Rhonda (2008). An Alternative Approach in Service Quality: An E-Banking Case Study. Quality Manage, 15: 41-48.

Gebert, H., Geib, M., Kolbe, L. and W. Brenner, (2003). “Knowledge-enabled customer relationship management: integrating customer relationship management and knowledge management concepts”, Journal of Knowledgedge Management, Vol. 7, No. 5: 107-123.

Haque, Ahasanul; Ahmad Zaki Hj Ismail and Abu Hayat Daraz (2009). Issues of E-Banking Transaction: An Empirical Investigation on Malaysian Customers Perception. Journal of applied Sciences. (Retrived from www.ebsco.com on 20 March 2009)

Heikki Karjaluoto, Minna Mattila and Tapio Pento (2002), "Factors underlying attitude formation towards online banking in Finland", International Journal of Bank Marketing, vol.20, No. 6, pp.261-272.

IAMAI’s Report on Online Banking 2006 Retrieved from http://www.iamai.in/Research.aspx?Fileid=r8_home.htm&rid=8

IWS, Internet Usage Statistics, Internet World Stats, (2006). Retrieved from World Wide Web on 9 February 2006 at http://www.Internetworldstats.com/stats.htm.

Korgaonkar, P.K and L.D. Wolin, (1999). “A multivariate analysis of Web usage”, Journal of Advertising Research, Vol. 39, No. 2: 53–68.

Lee, E-J., Kwon, K-N. and D.W. Schumann, (2005). “Segmenting the non-adopter category in the diffusion of Internet banking”, International Journal of Bank Marketing, Vol. 23, No. 5: 414-437.

Lichtenstein, Sharman & Williamson, Kirsty (2006). Understanding Consumer Adoption of Internet Banking:An Interpretive Study in the Australian Banking Context. Journal of Electronic Commerce Research, VOL 7, NO.2, Pp. 50-66. URL: http://www.csulb.edu/journals/jecr/issues/20062/paper1.pdf

O’Loughlin, D., Szmigin, I. and P. Turnbull, (2004). “From relationships to experiences in retail financial services”, International Journal of Bank Marketing, Vol. 22, No. 7: 522-539.

Petrus Guriting and Nelson Oly Ndubisi (2006), "Borneo online banking: evaluating customer perceptions and behavioral intention", Management research news, vol.29, No. 1/2, pp.6-15.

Rogers, E.M., (1995). Diffusion of Innovations, 4th ed., The Free Press, New York, NY. USA.

Walfried M. Lassar, Chris Manolis and Sharon s. Lassar (2004), "The relationship between consumer innovativeness, personal characteristics, and online banking adoption", International Journal of Bank Marketing, vol.23, No. 2, pp.176-199.

WB(World Bank) (2012). IT.NET.USER.P2_Indicator_MetaData_en_EXCEL. Website: api.worldbank.org/.../IT.NET.USER.P2_Indicator_MetaData_en_EX.

ZDNet, “Security worries holding back online banking”, ZDNet UK, (2005). Retrieved from World Wide Web on 20 February 2006, URL: http://news.zdnet.co.uk/Internet/security/0,39020375,39216740,00.htm.

Zuboff, S. and Maxmin, J. (2003). The Support Economy, Viking.

Online Banking. ( 2012). URL: http://www.bangladeshbrandforum.com/magazine/042013/panorama.php





How to Cite

Miah, M. R. (2013). A Framework on Internet Banking Services for the Rationalized Generations. Asian Business Review, 3(2), 63–69. https://doi.org/10.18034/abr.v3i2.88