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KCI등재 학술저널

Voluntary Insurance for Ensuring Risk-Free On-the-Go Banking Services in Market Competition

In 21st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer’s intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don’t read terms & conditions of services. They don’t save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

1. Introduction

2. Literature Review

3. What is On-the-Go or Digital Banking? Why Is It?

4. Fees, Hidden Charges, Hacking & Heist of Bank Accounts

5. Importance of the Study

6. Theoretical Background: Theory of Consumer Choice & Behavior in Economics

7. Voluntary Insurance Option for Risk-Free Digital Banking Services

8. How Does the Proposed Model Work?

9. What Does the Effort for the Current Study Convey?

10. Conclusion

References

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