Business is growing from year to year. This development led to competition in some industries that are increasingly high. The development of increasingly sophisticated technology, the world is faced with the era of the industrial revolution 4.0 which emphasizes the digital economy pattern, artificial intelligence, big data, robotic, etc., or known as the disruptive innovation phenomenon. All organizations are expected to be able to take advantage of various opportunities in this era of globalization and industrial revolution because of changes that are very fast and unavoidable. Bank NTB as the spearheading institution of local economy always strive to provide excellent services to the community through performance and improvement services through product innovation, information technologies improvement, and human resources quality enhancement. Changes that occur within the company, especially the transformation from Conventional Bank to Sharia Bank, require the supports from the board and the employees are rapidly, appropriately, and with high motivation to run the programs that have been set. This study identifies the factors that support the successful transformation of NTB Bank into Bank NTB Sharia. Changes that occur within the company, especially the transformation from Conventional Banks to Islamic Banks, require support from all leaders and employees. The level of readiness of employees in the face of the transformation process of Bank NTB into a Bank of NTB Syariah can be said to be ready as a whole which can be seen from the indicators of the variables: leadership practice, way of thinking, psychological capital, and organization commitment.
In Vietnam, commercial banks have limited administrative capacity, facing huge risks, affecting the economy. This fact requires each bank to continuously improve its governance capacity to compete not only with local banks but also with international credit institutions. Besides, the ability to mobilize and structure capital is one of the criteria for assessing the business performance, competition of commercial banks in terms of capital mobilization and reputation in the financial market. Good capital mobilization is the ability to occupy and expand the market share of commercial banks through the types of products to attract deposits from customers. Moreover, the large scale of capital and reasonable structure will allow commercial banks to develop business activities such as lending, investment and other financial services. Capital mobilization is determined by the size and growth of capital resources over time. In addition, the research results showed that there were 200 commercial bank managers who interviewed and answered about 12 questions. The Data collected from 15/07/2016 to 15/06/2017 in Ho Chi Minh City. The researcher had analyzed Cronbach’s alpha, KMO test, the result of KMO analysis used for multiple regression analysis. The research results were processed from SPSS 20.0 software. Finally, the researcher has recommendations improving the competition of commercial banks in Ho Chi Minh City for the next year.
Recommendations Developing the Internet Banking Services Of Commercial Banks in Ho Chi Minh City (Published)
Over the past years, the banking and finance sector in Vietnam has seen strong changes. The scale and network of commercial banks have been expanded more quickly. The number of customers using internet banking services has also increased. Besides, the strong penetration of information and communication technologies into the finance and banking sector has recently created new hi-tech products and services such as payment services by Internet. The benefits of electronic banking are enormous thanks to fast, accurate and secure. Along with the trend of using ATM cards, in the last few years, Internet banking has been developed as a financial and banking channel for all types of individuals and businesses. Internet banking services are helping customers own financial resources anytime, anywhere. Moreover, the research results showed that there were 300 commercial bank customers who interviewed and answered about 14 questions. The Data collected from 05/06/2016 to 15/06/2017 in Ho Chi Minh City. The researcher had analyzed Cronbach’s alpha, KMO test, the result of KMO analysis used for multiple regression analysis. The research results were processed from SPSS 20.0 software. Finally, the researcher has recommendations supporting the sustainable development of internet banking services at commercial banks in Ho Chi Minh City.
Despite significant technological innovation in retail banking services delivery, the number of Nigerian bank branches has grown steadily over time. This paper assesses the implications of these developments by examining the contribution of the branches to banks performance. The study uses the whole banks in Nigeria during the period 1981 and 2013 using a pooled data analysis on ordinary least square(OLS).The variables used include the total number of banks branches in rural and urban area and those domiciled abroad regarded as foreign branches. It also considered the total number of banks at each period and year of study while the growth in Total Asset is proxied as the dependent variable. Our findings showed that there is a positive relationship between the growths of the branches in the rural, urban and foreign centres which implies that there is need to open more branches if the banks wants the Asset to grow. We find no systematic relationship between number of banks and Asset growth perhaps because banking organizations optimize the size of their branch network operations as part of an overall strategy involving both branch-based and non-branch-based activities. The study suggested that branching activities should be a major work and decision of the banks so as to bring more customers to the bank who will now use the various electronic platforms for service installed by the banks.
Substantiating Public Relations Contributions to Organizational Success in Nigeria’s Banking Sector (Published)
This paper attempts to substantiate the contributions of public relations in Nigeria’s banking sector. This is against the backdrop of a seeming neglect for the profession. In gathering data for the work, the survey method was complemented with in-depth interviews. The study found that banks generate a public relations philosophy, that public relations makes important contribution to the success of the banking sector and also that a good reputation positively affects an organization’s (including banks) positive performance. It is therefore recommended among others that banks in Nigeria should elevate the status of their PR departments and better appreciate them while the PR executives should have a multi-disciplinary training that makes them competent in business administration and others.
ANALYSIS OF THE IMPACT OF EMOTIONAL INTELLIGENCE ON ORGANISATIONAL PERFORMANCE: A BANKING PERSPECTIVE (Published)
The popularity of emotional intelligence in service marketing is on the ascendency. Its popularity could also be attributed to its potential for business growth. This study seeks to analyse and verify the impact of emotional intelligence on organisational growth in the banking sector of Ghana. The study adopts a quantitative research technique in which hypotheses are tested to verify the relationship between emotional intelligence and organisational growth in terms of return on investment. The study is based on 20 banks in Ghana. Pearson’s correlation test, partial correlation test and ordinary least squares regression analysis were used in testing hypotheses. Findings of this study indicate that emotional intelligence is positively related to organisational performance (p < .05). Emotional intelligence also significantly predicts organisational performance (p < .05) with a variability of 30.6%, while it has a significant moderating effect on the relationship between customer satisfaction and business performance (p < .05). It is recommended that banks formalise and regularise their investments in the acquisition of emotional intelligence skills for maximum organisational performance.
Effects of Motivation on Employees Job Commitment in the Nigerian Banking Industry: An Empirical Analysis (Published)
The purpose of this study was to provide a holistic view of workers attitudes and perception of the various motivational factors, as well as, examines the perceived effects of management use of motivation on workers job commitment in the Nigerian banking industry. The empirical study was conducted via a survey on (six) 6, out of the 22 Nigerian banks licensed by the Central Bank of Nigeria (CBN) as at the time of this survey. Using the frameworks from Parker (2001), factors manifesting employee’s job commitment were regressed on the key factors manifesting successful motivation. However, the model contrived was estimated using multiple regression analysis. Findings revealed sufficient evidence to conclude that successful Motivational factors had positive effects on employee job commitment in Nigerian banks, with majority of the respondents unanimously indicated good salaries and fringe benefits as their best source of motivation, while opportunity to some form of ownership scheme and increased responsibility/authority followed in that order.