Document Type : Research Paper
Authors
1 Faculty of social science and economics, Alzahra University, Tehran, Iran
2 lAssociate Professor, Faculty of Social Sciences and Economics, Al-Zahra University, Tehran, Iran.
3 Information technology,Management faculty, Tehran university, Tehran,Iran
Abstract
Technology progress, during the recent decades, has influenced the banking industry. Banks have moved from traditional banking to online banking. Users expect to view systems on different browsers or different devices without disrupting the overall/page due to the small size of the display on some devices such. This expectation is responsiveness which is one of the factors influencing the user experience. Responsiveness means that the contents of a web-based system are displayed correctly and clearly on all devices and browsers, regardless of screen size. The purpose of this article is also to design a responsive Internet Banking system based on design science. It has been designed, based on the study of the scientific background and considering the concepts of Internet Banking, its adoption factors, responsiveness and user experience and the system requirements, from a business and technical point of view.
The present study provides a system design that can be used by all financial institutions. It can also be applicable for universities and higher education institutions, as it describes, step by step, how to practically use the research method in a real system.
Considering the results of this study, user experience, including issues such as responsiveness, ease of use and learnability, is much interesting for users, and the Internet banks that provide these factors along with security and performance are very attractive and are highly appreciated.
Keywords
- Abd Ghani, M., Rahi, S., Yasin, N. M., & Alnaser, F. M. (2017). Adoption of internet banking: extending the role of technology acceptance model (TAM) with e-customer service and customer satisfaction. World Applied Sciences Journal, 35 (9), 1918-1929. https://doi.org/ 10.5829/idosi.wasj.2017.1918.1929
- Aboobucker, I., & Bao, Y. (2018). What obstruct customer acceptance of internet banking? Security and privacy, risk, trust and website usability and the role of moderators. The Journal of High Technology Management Research, 29 (1), 109-123. https://doi.org/10.1016/j.hitech.2018.04.010
- Akhisar, I., Tunay, K. B., & Tunay, N. (2015). The effects of innovations on bank performance: The case of electronic banking services. Procedia-Social and Behavioral Sciences, 195, 369-375. https://doi.org/10.1016/j.sbspro.2015.06.336
- Al-Badareen, A. B., Selamat, M. H., Jabar, M. A., Din, J., & Turaev, S. (2010, November). Reusable software components framework. In European Conference of Computer Science (ECCS 2011) (pp. 126-130). Puerto De La Cruz: NAUN.
- Ali, A., Alrasheedi, M., Ouda, A., & Capretz, L. F. (2015). A study of the interface usability issues of mobile learning applications for smart phones from the users perspective. arXiv preprint arXiv:1501.01875. https://doi.org/10.48550/arXiv.1501.01875
- AlHaliq, H. A., & AlMuhirat, A. A. (2016). Customer satisfaction with electronic banking services in the Saudi banking sector. Asian Social Science, 12 (5), 139-146. doi:10.5539/ass.v12n5p139
- Almeida, F., & Monteiro, J. (2017). The Role of Responsive Design in Web Development. Webology, 14 (2).
- Andriole, S. J. (2010). Business impact of Web 2.0 technologies. Communications of the ACM, 53 (12), 67-79. https://doi.org/10.1145/1859204.1859225
- Barcellona, J. (2011). U.S. Patent No. 7,917,890. Washington, DC: U.S. Patent and Trademark Office.
- Baturay, M. H., & Birtane, M. (2013). Responsive web design: a new type of design for web-based instructional content. Procedia-Social and Behavioral Sciences, 106, 2275-2279.
- Benbasat, I., & Zmud, R. W. (2003). The identity crisis within the IS discipline: Defining and communicating the discipline's core properties. MIS quarterly, 183-194.
- Chiluvuri, R. V. (2015). U.S. Patent No. 9,058,177. Washington, DC: U.S. Patent and Trademark Office.
- Dekemele, K., Chevalier, A., & Loccufier, M. (2018). ODYSC: A responsive educational web app for dynamics and control. IFAC-PapersOnLine, 51 (4), 310-315. https://doi.org/10.1016/j.ifacol.2018.06.083
- Dimitrova, N. G., Van Hooft, E. A., Van Dyck, C., & Groenewegen, P. (2017). Behind the wheel: What drives the effects of error handling?. The Journal of social psychology, 157 (6), 658-672. https://doi.org/10.1080/00224545.2016.1270891
- Dimitrova, N. G., Van Dyck, C., Van Hooft, E. A., & Groenewegen, P. (2015). Don't fuss, focus: The mediating effect of on‐task thoughts on the relationship between error approach instructions and task performance. Applied Psychology, 64 (3), 599-624. https://doi.org/10.1111/apps.12029
- Dresch, A., Lacerda, D. P., & Antunes, J. A. V. (2015). Design science research. In Design science research (pp. 67-102). Springer, Cham. http://doi.org/ 10.1007/978-3-319-07374-3_4
- Durucu, M., Isik, M., & Calisir, F. (2019). What is more important to internet banking website users: usability or functionality?. International Journal of Business Information Systems, 30 (2), 232-251.
- Fernandez, A., Insfran, E., & Abrahão, S. (2011). Usability evaluation methods for the web: A systematic mapping study. Information and software Technology, 53 (8), 789-817. https://doi.org/10.1016/j.infsof.2011.02.007
- Galliers, R. D., King, J., & Lyytinen, K. (2006). Information systems, the state of the field. John Wiley & Sons, Ltd. West Sussex, England.
- Geerts, G. L. (2011). A design science research methodology and its application to accounting information systems research. International journal of accounting Information Systems, 12 (2), 142-151. https://doi.org/10.1016/j.accinf.2011.02.004
- George, A., & Kumar, G. G. (2015). Validation of a scale for measuring problems in internet banking and their effect on customer satisfaction. Vision, 19 (4), 312-323. https://doi.org/10.1177/0972262915610856
- Giurgiu, L., & Gligorea, I. (2017). Responsive web design techniques. In International conference knowledge-based organization (Vol. 23, No. 3, pp. 37-42).
- Hussain, A., & Mkpojiogu, E. O. (2015). The effect of responsive web design on the user experience with laptop and smartphone devices. Jurnal Teknologi, 77 (4), 41-47. http://dx.doi.org/10.11113/jt.v77.6041
- Jameel, A., Shahzad, K., Zafar, A., Ahmed, U., Hussain, S. J., & Sajid, A. (2018, June). The users experience quality of responsive web design on multiple devices. In Proceedings of the 2nd International Conference on Future Networks and Distributed Systems (pp. 1-6). https://doi.org/10.1145/3231053.3234632
- Johansson, A. (2016). Security and internet banking: How satisfied are users with internet banking security?.
- Kaestner, D., Rustemeier, C., Kiffmeier, U., Fleischer, D., Nenova, S., Heckmann, R.,... & Ferdinand, C. (2014). Model-driven code generation and analysis (No. 2014-01-0217). SAE Technical Paper.
- Kuechler, B., & Vaishnavi, V. (2008). On theory development in design science research: anatomy of a research project. European Journal of Information Systems, 17 (5), 489-504. https://doi.org/10.1057/ejis.2008.40
- Law, E. L. C., Roto, V., Hassenzahl, M., Vermeeren, A. P., & Kort, J. (2009, April). Understanding, scoping and defining user experience: a survey approach. In Proceedings of the SIGCHI conference on human factors in computing systems (pp. 719-728). https://doi.org/10.1145/1518701.1518813
- Ling, G. M., Fern, Y. S., Boon, L. K., & Huat, T. S. (2016). Understanding customer satisfaction of internet banking: A case study in Malacca. Procedia Economics and Finance, 37, 80-85. https://doi.org/10.1016/S2212-5671(16)30096-X
- Lochmann, H. (2013). U.S. Patent No. 8,448,132. Washington, DC: U.S. Patent and Trademark Office.
- Markus, M. L., Majchrzak, A., & Gasser, L. (2002). A design theory for systems that support emergent knowledge processes. MIS quarterly, 179-212.
- Matsuo, M., Minami, C., & Matsuyama, T. (2018). Social influence on innovation resistance in internet banking services. Journal of Retailing and Consumer Services, 45, 42-51. https://doi.org/10.1016/j.jretconser.2018.08.005
- Mead, N. R., Viswanathan, V., & Padmanabhan, D. (2008, July). Incorporating security requirements engineering into the dynamic systems development method. In 2008 32nd Annual IEEE International Computer Software and Applications Conference (pp. 949-954). IEEE. http:// doi.org/10.1109/COMPSAC.2008.85
- Muhammad, L., & Rana, G. E. (2012). Factors distressing internet banking adoption among adult students: Evidence from kingdom of Saudi Arabia. Business and Management Review, 2 (1), 76-82.
- Nasri, W., & Charfeddine, L. (2012). Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior. The journal of high technology management research, 23(1), 1-14.
- Nielsen. J. (2003). "Usability 101: Introduction to usability," ed.
- Rahi, S., & Ghani, M. A. (2019). Investigating the role of UTAUT and e-service quality in internet banking adoption setting. The TQM Journal. https://doi.org/10.1108/TQM-02-2018-0018
- Riffai, M. M. A., Grant, K., & Edgar, D.. M (2012). Big TAM in Oman: Exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman. International journal of information management, 32 (3), 239-250. https://doi.org/10.1016/j.ijinfomgt.2011.11.007
- Paetsch, F., Eberlein, A., & Maurer, F. (2003, June). Requirements engineering and agile software development. In WET ICE 2003. Proceedings. Twelfth IEEE International Workshops on Enabling Technologies: Infrastructure for Collaborative Enterprises, 2003. (pp. 308-313). IEEE. http://doi.org/ 10.1109/ENABL.2003.1231428
- Paz, F., Paz, F. A., Pow-Sang, J. A., & Collantes, L. (2014, April). Usability heuristics for transactional web sites. In 2014 11th International Conference on Information Technology: New Generations (pp. 627-628). IEEE. http://doi.org/ 10.1109/ITNG.2014.81
- Peffers, K., Rothenberger, M., Tuunanen, T., & Vaezi, R. (2012, May). Design science research evaluation. In International Conference on Design Science Research in Information Systems (pp. 398-410). Springer, Berlin, Heidelberg. http://doi.org/ 10.1007/978-3-642-29863-9_29
- Ramamoorthy, C. V., Garg, V., & Prakash, A. (1988). Support for reusability in Genesis. IEEE Transactions on Software Engineering, 14 (8), 1145-1154. http:// doi.org/10.1109/32.7625
- Roto, V., Law, E., Vermeeren, A. P. O. S., & Hoonhout, J. (2011). Bringing clarity to the concept of user experience. In Result from Dagstuhl Seminar on Demarcating User Experience. http://doi.org/10.4230/DagSemProc.10373.1
- Rahi, S., Ghani, M. A., & Ngah, A. H. (2019). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society, 58, 101120.
- Sachdeva, V., & Chung, L. (2017, January). Handling non-functional requirements for big data and IOT projects in Scrum. In 2017 7th International Conference on Cloud Computing, Data Science & Engineering-Confluence (pp. 216-221). IEEE. http://Doi.org/10.1109/CONFLUENCE.2017.7943152
- Safeena, R., Kammani, A., & Date, H. (2018). Exploratory study of internet banking technology adoption. In Technology adoption and social issues: Concepts, methodologies, tools, and applications (pp. 333-355). IGI Global. http://doi.org/ 10.4018/978-1-5225-5201-7.ch015
- Serener, B. (2016). Statistical analysis of internet banking usage with logistic regression. Procedia Computer Science, 102, 648-653. https://doi.org/10.1016/j.procs.2016.09.456
- Shahzad, F. (2017). Modern and responsive mobile-enabled web applications. Procedia Computer Science, 110, 410-415.
- Sharma, A., Grover, P. S., & Kumar, R. (2009). Reusability assessment for software components. ACM SIGSOFT Software Engineering Notes, 34 (2), 1-6. https://doi.org/10.1145/1507195.1507215
- Vaishnavi, V., & Kuechler, W. (2004). Design research in information systems.
- Van Aken, J. E. (2005). Management research as a design science: Articulating the research products of mode 2 knowledge production in management. British journal of management, 16 (1), 19-36. https://doi.org/10.1111/j.1467-8551.2005.00437.x
- Watts, S., Shankaranarayanan, G., & Even, A. (2009). Data quality assessment in context: A cognitive perspective. Decision support systems, 48 (1), 202-211. https://doi.org/10.1016/j.dss.2009.07.012
- Walls, J. G., Widmeyer, G. R., & El Sawy, O. A. (1992). Building an information system design theory for vigilant EIS. Information systems research, 3 (1), 36-59. https://doi.org/10.1287/isre.3.1.36
- West, R. E., & Williams, G. S. (2017). “I don’t think that word means what you think it means”: A proposed framework for defining learning communities. Educational Technology Research and Development, 65 (6), 1569-1582. https://doi.org/10.1007/s11423-017-9535-0
- Yu, P. L., Balaji, M. S., & Khong, K. W. (2015). Building trust in internet banking: a trustworthiness perspective. Industrial Management & Data Systems. https://doi.org/10.1108/IMDS-09-2014-0262
- Zolait, A. H. S., & Sulaiman, A. (2009). The influence of communication channels on internet banking adoption. Asian Journal of Business and Accounting, 2 (1&2), 115-134.