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Year 2017, Volume: 4 Issue: 1, 199 - 212, 30.06.2017
https://doi.org/10.17261/Pressacademia.2017.535

Abstract

References

  • Akın, F., Karaboğa, K. 2011, “Bireysel Müşterilerin Şubesiz Bankacılık Hizmetlerini Kullanma Kararına Etki Eden Faktörlerin Belirlenmesi Üzerine Bir Araştırma: Bilecik Örneği”, Marmara Üniversitesi İ.İ.B.F. Dergisi, no. 1, pp. 301-320.
  • Angelakopoulos, G., Mihiotis, A. 2011, “E-banking: challenges and opportunities in the Greek banking sector”, Electron Commer Res, vol. 11, pp. 297–319. (Springer Science+Business Media, LLC 2011, published online: 3 March 2011).
  • Baker, E. W., Gahtani, S. S., Hubona, G. S. 2007, "The Effects of Gender and Age on New Technology Implementation in a Developing Country: Testing the Theory of Planned Behavior (TPB)", Information Technology & People, Vol. 20, No. 4, pp. 352-375.
  • Banking Regulation and Supervision Agency, December 2016, “Turkish Banking Sector Interactive Monthly Bulletin”.
  • Başar, A., Kabak, Ö., Topçu, İ. 2015, “Banka Şubeleri İçin Uygun Yer Seçiminin Belirlenmesine Yönelik Tabu Arama Yaklaşımı: Bir Türk Bankası Uygulaması”, Endüstri Mühendisliği Dergisi, Vol: 26, No: 3, pp. 2-22.
  • Cebeci, İ. 2015, “İnternet Bankacılığına Yönelik Öğrenci Tutumlarının İncelenmesi”, The Journal of International Social Research, Vol. 8, No. 39, pp. 793-803.
  • Cebi, F., Zeren, Z. 2008, “A Decision Support Model for Location Selection: Bank Branch Case”, PICMET 2008 Proceedings, 27-31 July, Cape Town, South Africa, pp. 1069-1074.
  • Chavan, J. 2013, “Internet Banking – Benefits and Challenges in an Emerging Economy”, International Journal of Research in Business Management (IJRBM), Vol. 1, Issue 1, pp. 19-26.
  • Cinar, N. 2009, “A Decision Support Model for Bank Branch Location Selection”, World Academy of Science, Engineering and Technology International Journal of Mathematical, Computational, Physical, Electrical and Computer Engineering Vol:3, No:12, pp. 1092-1097.
  • Çınar, N. T. 2011, “Fuzzy Topsis Methods in Group Decision Making and an Application for Bank Branch Location Selection”, Journal of Engineering and Natural Sciences, Vol. 29, pp. 11-24.
  • Durer, S., Çalışkan, A. Ö., Akbaş, H. E., Gündoğdu, C. E. 2009, “İnternet Bankacılığını Kullanma Kararını Etkileyen Faktörler: Türk Banka Müşterileri Üzerine Bir Araştırma”, Marmara Üniversitesi İ.İ.B.F. Dergisi, Vol. 26, No. 1, pp. 133-154.
  • Gerrard, P., Cunningham, J. B., Devlin, J. F. 2006, "Why Consumers Are Not Using Internet Banking: A Qualitative Study", Journal of Services Marketing, Vol. 20, No. 3, pp. 160-168.
  • Kaya, F., Arslan, T. R. 2016, “İnternet Bankacılığında Müşterilerin Banka Tercihlerine Etki Eden Faktörler: Bolu İlinde Kamu Çalışanları Üzerine Bir Araştırma”, Finansal Araştırmalar ve Çalışmalar Dergisi, Vol. 8, No. 15, pp. 423-449.
  • Khalilov, M. C. K., Gündebahar, M. 2012, “XTM: An Alternative Delivery Channel in Turkish Banking Sector”, Procedia - Social and Behavioral Sciences, vol. 57, pp. 373 – 380.
  • Koskosas, I. 2011, “The Pros and Cons of Internet Banking: A Short Review”, Business Excellence and Management, Vol. 1, Issue 1, pp. 4958.
  • Lee, J., Jaramillo, M. 2013, “Driving Adoption of Branchless Banking: insights from consumer education in India, the Philippines, and Zambia”, Enterprise Development and Microfinance, Vol. 24, No. 3, pp. 218-232.
  • Mermod, A. Y. “Customer's Perspectives and Risk Issues on E-Banking in Turkey; Should We Still be Online?”, http://www.icommercecentral.com/open-access/customers-perspectives-and-risk-issues-on-ebanking-in-turkey-should-we-still-be online.php?aid=38152, 05/03/2017.
  • Meuter, M. L., Bitner, M. J., Ostrom A. L., Brown, S. W. 2005, “Choosing Among Alternative Service Delivery Modes: An Investigation of Customer Trial of Self-Service Technologies”, Journal of Marketing, Vol. 69, pp. 61-83.
  • Oktay, E., Orçanlı, K. 2014, “Atatürk Üniversitesinde İnternet Bankacılığının Kullanımını Etkileyen Faktörlerin Belirlenmesi”, Uşak Üniversitesi Sosyal Bilimler Dergisi, Vol. 7, No. 2, pp. 57-91.
  • Okumus, A., Bozbay, Z., Dağlı, R. M. 2010, “Banka Müşterilerinin İnternet Bankacılığına İlişkin Tutumlarının İncelenmesi”, Erciyes Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, Vol: 36, pp. 89-111.
  • Ozdemir, S., Trott, P., Hoecht, A. 2008, “"Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector", International Journal of Bank Marketing, Vol. 26, No. 4, pp. 212-236.
  • Pala, E., Kartal, B. 2010, “Banka Müşterilerinin İnternet Bankacılığı ile İlgili Tutumlarına Yönelik Bir Pilot Araştırma”, Yönetim ve Ekonomi, Vol.:17, No. 2, pp. 43-61.
  • Rotchanakitumnuai, S., Speece, M. 2003, “Barriers to Internet Banking Adoption: A Qualitative Study Among Corporate Customers in Thailand", International Journal of Bank Marketing, Vol. 21, No. 6, pp. 312-323.
  • Soba, M. 2014, “Banka Yeri Seçiminin Analitik Hiyerarşi Süreci ve Electre Metodu ile Belirlenmesi: Uşak İlçeleri Örneği”, Mustafa Kemal University Journal of Graduate School of Social Sciences, Vol:11, Issue: 25, pp. 459-473.
  • Thakur, R., Srivastava, M. 2014, "Adoption Readiness, Personal Innovativeness, Perceived Risk and Usage Intention Across Customer Groups for Mobile Payment Services in India", Internet Research, Vol. 24, No. 3, pp. 369-392.
  • Turkish Bankers Association, June 2016, “Bank Ranking by Asset Size”.
  • Turkish Bankers Association, December 2011, “Internet and Mobile Banking Statistics”.
  • Turkish Bankers Association, December 2016, “Internet and Mobile Banking Statistics”.
  • Usta, R. 2005, “Tüketicilerin İnternet Bankacılığını Kullanma Nedenleri Üzerine Bir Araştırma”, Dogus Üniversitesi Dergisi, vol. 6, no. 2, pp. 279-290.
  • Ustasüleyman, T., Eyüboğlu, K. 2010, “Bireylerin İnternet Bankacılığını Benimsemesini Etkileyen Faktörlerin Yapısal Eşitlik Modeli ile Belirlenmesi”, BDDK Bankac›l›k ve Finansal Piyasalar, Vol. 4, No. 2, pp. 11-38.
  • Venkatesh, V., Davis, F. 2000, “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies”, Management Science © 2000 INFORMS, Vol. 46, No. 2, pp. 186–204.
  • Weon, H. J., Eui, H. W., Sik, K. Y. 2010, “The Study of Location Strategy for Bank through the Analysis of Inter-regional Financial Transaction Network”, International Journal of u- and e- Service, Science and Technology, Vol. 3, No. 1, pp. 21-30.
  • Willer, D. 1990, “A Spatial Decision Support System For Bank Location: A Case Study”, National Center for Geographic Information and Analysis Department of Geography State University of New York at Buffalo, Technical Report 90-9.
  • Yap, K., Wong, H. W., Loh, C., Bak, R. 2009, “Offline and online banking –where to draw the line when building trust in e-banking?, International Journal of Bank Marketing Vol. 28 No. 1, 2010 pp. 27-46.
  • Yıldız, S., Karadirek, G. 2014, “Elektronik Hizmet Kalitesi Algılamaları: Bireysel İnternet Bankacılığı Kullanıcıları Üzerine Bir Uygulama”, Gümüşhane Üniversitesi Sosyal Bilimler Elektronik Dergisi, No. 10, pp. 303-329.
  • Yuen, Y. Y., Yeow, P. H. P., Lim, N. 2015, "Internet Banking Acceptance in the United States and Malaysia: A Cross-cultural Examination", Marketing Intelligence & Planning, Vol. 33, No. 3, pp. 292-308.

TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS

Year 2017, Volume: 4 Issue: 1, 199 - 212, 30.06.2017
https://doi.org/10.17261/Pressacademia.2017.535

Abstract

Despite the increasing trend in
online channels, small and medium-sized banks, whose physical coverage is still
low in Turkey, are still required to invest in physical channels. In that
sense, investments in technological branches could be an alternative for banks.
The technological branches, hybrid channels between the physical branch and the
internet/ mobile channels, are also presented as a different channel model in
order to increase the penetration of the bank's new geographical locations. In
this regard, XTM Branches of a medium scale Bank has been taken as a
technological branch example. The bank's XTM Branch investment and the physical
branch option have been compared to a cost-based approach. It has been
questioned how many additional potential locations in Turkey could be chosen in
accordance with this Bank’s Branch Location Decision Parameters if the Bank
decides to invest in XTM Branches rather than classic physical branches.  

References

  • Akın, F., Karaboğa, K. 2011, “Bireysel Müşterilerin Şubesiz Bankacılık Hizmetlerini Kullanma Kararına Etki Eden Faktörlerin Belirlenmesi Üzerine Bir Araştırma: Bilecik Örneği”, Marmara Üniversitesi İ.İ.B.F. Dergisi, no. 1, pp. 301-320.
  • Angelakopoulos, G., Mihiotis, A. 2011, “E-banking: challenges and opportunities in the Greek banking sector”, Electron Commer Res, vol. 11, pp. 297–319. (Springer Science+Business Media, LLC 2011, published online: 3 March 2011).
  • Baker, E. W., Gahtani, S. S., Hubona, G. S. 2007, "The Effects of Gender and Age on New Technology Implementation in a Developing Country: Testing the Theory of Planned Behavior (TPB)", Information Technology & People, Vol. 20, No. 4, pp. 352-375.
  • Banking Regulation and Supervision Agency, December 2016, “Turkish Banking Sector Interactive Monthly Bulletin”.
  • Başar, A., Kabak, Ö., Topçu, İ. 2015, “Banka Şubeleri İçin Uygun Yer Seçiminin Belirlenmesine Yönelik Tabu Arama Yaklaşımı: Bir Türk Bankası Uygulaması”, Endüstri Mühendisliği Dergisi, Vol: 26, No: 3, pp. 2-22.
  • Cebeci, İ. 2015, “İnternet Bankacılığına Yönelik Öğrenci Tutumlarının İncelenmesi”, The Journal of International Social Research, Vol. 8, No. 39, pp. 793-803.
  • Cebi, F., Zeren, Z. 2008, “A Decision Support Model for Location Selection: Bank Branch Case”, PICMET 2008 Proceedings, 27-31 July, Cape Town, South Africa, pp. 1069-1074.
  • Chavan, J. 2013, “Internet Banking – Benefits and Challenges in an Emerging Economy”, International Journal of Research in Business Management (IJRBM), Vol. 1, Issue 1, pp. 19-26.
  • Cinar, N. 2009, “A Decision Support Model for Bank Branch Location Selection”, World Academy of Science, Engineering and Technology International Journal of Mathematical, Computational, Physical, Electrical and Computer Engineering Vol:3, No:12, pp. 1092-1097.
  • Çınar, N. T. 2011, “Fuzzy Topsis Methods in Group Decision Making and an Application for Bank Branch Location Selection”, Journal of Engineering and Natural Sciences, Vol. 29, pp. 11-24.
  • Durer, S., Çalışkan, A. Ö., Akbaş, H. E., Gündoğdu, C. E. 2009, “İnternet Bankacılığını Kullanma Kararını Etkileyen Faktörler: Türk Banka Müşterileri Üzerine Bir Araştırma”, Marmara Üniversitesi İ.İ.B.F. Dergisi, Vol. 26, No. 1, pp. 133-154.
  • Gerrard, P., Cunningham, J. B., Devlin, J. F. 2006, "Why Consumers Are Not Using Internet Banking: A Qualitative Study", Journal of Services Marketing, Vol. 20, No. 3, pp. 160-168.
  • Kaya, F., Arslan, T. R. 2016, “İnternet Bankacılığında Müşterilerin Banka Tercihlerine Etki Eden Faktörler: Bolu İlinde Kamu Çalışanları Üzerine Bir Araştırma”, Finansal Araştırmalar ve Çalışmalar Dergisi, Vol. 8, No. 15, pp. 423-449.
  • Khalilov, M. C. K., Gündebahar, M. 2012, “XTM: An Alternative Delivery Channel in Turkish Banking Sector”, Procedia - Social and Behavioral Sciences, vol. 57, pp. 373 – 380.
  • Koskosas, I. 2011, “The Pros and Cons of Internet Banking: A Short Review”, Business Excellence and Management, Vol. 1, Issue 1, pp. 4958.
  • Lee, J., Jaramillo, M. 2013, “Driving Adoption of Branchless Banking: insights from consumer education in India, the Philippines, and Zambia”, Enterprise Development and Microfinance, Vol. 24, No. 3, pp. 218-232.
  • Mermod, A. Y. “Customer's Perspectives and Risk Issues on E-Banking in Turkey; Should We Still be Online?”, http://www.icommercecentral.com/open-access/customers-perspectives-and-risk-issues-on-ebanking-in-turkey-should-we-still-be online.php?aid=38152, 05/03/2017.
  • Meuter, M. L., Bitner, M. J., Ostrom A. L., Brown, S. W. 2005, “Choosing Among Alternative Service Delivery Modes: An Investigation of Customer Trial of Self-Service Technologies”, Journal of Marketing, Vol. 69, pp. 61-83.
  • Oktay, E., Orçanlı, K. 2014, “Atatürk Üniversitesinde İnternet Bankacılığının Kullanımını Etkileyen Faktörlerin Belirlenmesi”, Uşak Üniversitesi Sosyal Bilimler Dergisi, Vol. 7, No. 2, pp. 57-91.
  • Okumus, A., Bozbay, Z., Dağlı, R. M. 2010, “Banka Müşterilerinin İnternet Bankacılığına İlişkin Tutumlarının İncelenmesi”, Erciyes Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, Vol: 36, pp. 89-111.
  • Ozdemir, S., Trott, P., Hoecht, A. 2008, “"Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector", International Journal of Bank Marketing, Vol. 26, No. 4, pp. 212-236.
  • Pala, E., Kartal, B. 2010, “Banka Müşterilerinin İnternet Bankacılığı ile İlgili Tutumlarına Yönelik Bir Pilot Araştırma”, Yönetim ve Ekonomi, Vol.:17, No. 2, pp. 43-61.
  • Rotchanakitumnuai, S., Speece, M. 2003, “Barriers to Internet Banking Adoption: A Qualitative Study Among Corporate Customers in Thailand", International Journal of Bank Marketing, Vol. 21, No. 6, pp. 312-323.
  • Soba, M. 2014, “Banka Yeri Seçiminin Analitik Hiyerarşi Süreci ve Electre Metodu ile Belirlenmesi: Uşak İlçeleri Örneği”, Mustafa Kemal University Journal of Graduate School of Social Sciences, Vol:11, Issue: 25, pp. 459-473.
  • Thakur, R., Srivastava, M. 2014, "Adoption Readiness, Personal Innovativeness, Perceived Risk and Usage Intention Across Customer Groups for Mobile Payment Services in India", Internet Research, Vol. 24, No. 3, pp. 369-392.
  • Turkish Bankers Association, June 2016, “Bank Ranking by Asset Size”.
  • Turkish Bankers Association, December 2011, “Internet and Mobile Banking Statistics”.
  • Turkish Bankers Association, December 2016, “Internet and Mobile Banking Statistics”.
  • Usta, R. 2005, “Tüketicilerin İnternet Bankacılığını Kullanma Nedenleri Üzerine Bir Araştırma”, Dogus Üniversitesi Dergisi, vol. 6, no. 2, pp. 279-290.
  • Ustasüleyman, T., Eyüboğlu, K. 2010, “Bireylerin İnternet Bankacılığını Benimsemesini Etkileyen Faktörlerin Yapısal Eşitlik Modeli ile Belirlenmesi”, BDDK Bankac›l›k ve Finansal Piyasalar, Vol. 4, No. 2, pp. 11-38.
  • Venkatesh, V., Davis, F. 2000, “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies”, Management Science © 2000 INFORMS, Vol. 46, No. 2, pp. 186–204.
  • Weon, H. J., Eui, H. W., Sik, K. Y. 2010, “The Study of Location Strategy for Bank through the Analysis of Inter-regional Financial Transaction Network”, International Journal of u- and e- Service, Science and Technology, Vol. 3, No. 1, pp. 21-30.
  • Willer, D. 1990, “A Spatial Decision Support System For Bank Location: A Case Study”, National Center for Geographic Information and Analysis Department of Geography State University of New York at Buffalo, Technical Report 90-9.
  • Yap, K., Wong, H. W., Loh, C., Bak, R. 2009, “Offline and online banking –where to draw the line when building trust in e-banking?, International Journal of Bank Marketing Vol. 28 No. 1, 2010 pp. 27-46.
  • Yıldız, S., Karadirek, G. 2014, “Elektronik Hizmet Kalitesi Algılamaları: Bireysel İnternet Bankacılığı Kullanıcıları Üzerine Bir Uygulama”, Gümüşhane Üniversitesi Sosyal Bilimler Elektronik Dergisi, No. 10, pp. 303-329.
  • Yuen, Y. Y., Yeow, P. H. P., Lim, N. 2015, "Internet Banking Acceptance in the United States and Malaysia: A Cross-cultural Examination", Marketing Intelligence & Planning, Vol. 33, No. 3, pp. 292-308.
There are 36 citations in total.

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Selman Ortakoy This is me

Publication Date June 30, 2017
Published in Issue Year 2017 Volume: 4 Issue: 1

Cite

APA Ortakoy, S. (2017). TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS. PressAcademia Procedia, 4(1), 199-212. https://doi.org/10.17261/Pressacademia.2017.535
AMA Ortakoy S. TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS. PAP. June 2017;4(1):199-212. doi:10.17261/Pressacademia.2017.535
Chicago Ortakoy, Selman. “TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS”. PressAcademia Procedia 4, no. 1 (June 2017): 199-212. https://doi.org/10.17261/Pressacademia.2017.535.
EndNote Ortakoy S (June 1, 2017) TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS. PressAcademia Procedia 4 1 199–212.
IEEE S. Ortakoy, “TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS”, PAP, vol. 4, no. 1, pp. 199–212, 2017, doi: 10.17261/Pressacademia.2017.535.
ISNAD Ortakoy, Selman. “TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS”. PressAcademia Procedia 4/1 (June 2017), 199-212. https://doi.org/10.17261/Pressacademia.2017.535.
JAMA Ortakoy S. TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS. PAP. 2017;4:199–212.
MLA Ortakoy, Selman. “TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS”. PressAcademia Procedia, vol. 4, no. 1, 2017, pp. 199-12, doi:10.17261/Pressacademia.2017.535.
Vancouver Ortakoy S. TECHNOLOGICAL BRANCH INVESTMENTS IN PHYSICAL BRANCHING STRATEGIES OF SMALL AND MEDIUM SCALE BANKS. PAP. 2017;4(1):199-212.

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