Tawfiq Taleb Tawfiq
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Bank becomes cashless: Determinants of acceptance of mobile banking (fintech) services among banking service users
K. M. Anwarul Islam , Zulfiqar Hasan , Tawfiq Taleb Tawfiq , Abul Bashar Bhuiyan , Md. Faisal-E-Alam doi: http://dx.doi.org/10.21511/bbs.19(2).2024.03Banks and Bank Systems Volume 19, 2024 Issue #2 pp. 30-39
Views: 617 Downloads: 248 TO CITE АНОТАЦІЯFintech services such as mobile banking are gaining significant acceptance among the citizens in Bangladesh. Therefore, this study aims to explore the determinants that influence banking service users’ decisions to accept and use fintech services such as mobile banking in an emerging market, specifically in Bangladesh. A questionnaire was developed and distributed to individuals actively using banking services in Bangladesh. A total of 400 questionnaires were distributed to individuals who have active bank accounts. This study obtained a total of 315 valid responses that were deemed suitable for inclusion in the data analysis, with a response rate of 78.75%. Furthermore, a five-point Likert scale was utilized to evaluate the responses to the item-based questionnaire. To evaluate the hypotheses, a significance level of 5% was applied, and the data pertaining to the subject matter and purpose of this study were examined using the SPSS v.29. The results of the study display that the acceptance of mobile banking (fintech) services is pronouncedly shaped by perceived trust, privacy, and security but not by perceived risk. Importantly, perceived security (β value = 0.302) has the greatest impact on mobile banking acceptance among customers compared to other variables. This study contributes to the literature by investigating the propensity of using Fintech services within the context of mobile banking.
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Corporate governance dynamics in financial institution performance: A panel data analysis
Shaikh Masrick Hasan , Tawfiq Taleb Tawfiq , Md. Mahedi Hasan , K. M. Anwarul Islam doi: http://dx.doi.org/10.21511/imfi.21(3).2024.24Investment Management and Financial Innovations Volume 21, 2024 Issue #3 pp. 292-303
Views: 237 Downloads: 66 TO CITE АНОТАЦІЯThe study aims to identify the effect of corporate governance factors on financial institution performance in Bangladesh. This study employs annual data for 20 financial institutions, including banks, NBFIs, and insurance companies, data is collected from 2011 to 2022. Here, three corporate governance indicators are utilized – board size, board independence, and director’s ownership. The performance of the financial institutions is measured using return on assets (ROA), return on equity (ROE), and net asset value (NAV). Apart from the corporate governance variables, three company-specific factors, i.e., firm age, financial leverage, and firm size, are used as the control variables. Panel data analysis is conducted through the dynamic Feasible Generalize Least Square (FGLS) method, and the robustness is performed using the random effect model. The results show that corporate governance parameter such as board size has a significant positive influence on financial institution performance in Bangladesh, where board independence and director ownership do not have a significant influence on the performance of financial institutions. Thus, the performance of financial institutions increases when board size increases. This indicates that board members are actively engaged in strategic decision-making and ensure the rights of all stakeholders, which helps improve financial institutions’ overall performance. Therefore, financial institutions may increase their board size to the maximum level to ensure better corporate governance practices in the organizations, which ultimately increases performance.
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