YENİ TRENDLERİN ETKİSİ: ONLINE VE MOBİL BANKACILIĞIN SWOT ANALİZİ: BİR CİBUTİ BANKASI ÖRNEĞİ

Öz

Dünyanın dört bir yanındaki bankalar, faaliyetlerini kolaylaştırmak ve müşterilerine daha iyi bir deneyim sunmak için yeni teknolojiler gibi yeni trendlerden yararlanmaktadır. Finansal hizmetlerin ve ürünlerin işbirliği ve birlikte oluşturulması sadece bir heves değil, aynı zamanda müşterinin ihtiyaçlarını ideal şekilde karşılamak için sürdürülebilir bir şekilde inovasyonu geliştirmek için güçlü modellerdir. Cibuti'nin finans sektörü, online ve mobil bankacılık tekliflerinin yayılmasıyla güçlendi aynı zamanda sektördeki bu yeni eğilimleri destekleyen yeni düzenlemeler. Bu çalışma, çevrimiçi ve mobil bankacılığın büyümesi ve geleceğini tespit etmek için bir TOWS matrisinin eşlik ettiği SWOT matrisini kullanarak yeni trendlerin stratejik yaklaşımına odaklanıyor. Bulgular derlenmiş ve yeni eğilimlerin güçlü ve fırsatlarının yanı sıra zayıflıkları ve tehditleri ortaya koymuştur. Sonuç olarak, TOWS matrisinin kullanımı dikkate alınması gereken önemli stratejilere işaret eder.

Anahtar Kelimeler

• Yeni Trendler
• Online ve Mobil Bankacılık
• SWOT Matris Analizi
• Cibuti Bankacılığı

IMPACT OF NEW TRENDS: SWOT ANALYSIS OF ONLINE AND MOBILE BANKING: CASE STUDY OF A DJIBOUTIAN BANK

Öz

Banks around the world are taking advantage of the new trends such as new technologies to streamline their operations and provide a better experience to their customers. The collaboration and co-creation of financial services and products are not just a fad, but strong models to develop innovation in a sustainable way to meet the customer’s needs ideally. The financial sector of Djibouti has been boosted by the spread out of online and mobile banking offerings but also of the new regulations that support these new trends in the sector. This study focuses on the strategic approach of the new trends by using the SWOT matrix accompanied by a TOWS matrix to ascertain the growth and the future of online and mobile banking. The findings had been compiled and revealed the strengths and opportunities of the new trends as well as the weaknesses and threats. In the end, the use of the TOWS matrix leads to point out the important strategies that should be taken into consideration.

Anahtar Kelimeler

• New Trends
• Online and Mobile Banking
• SWOT Matrix Analysis
• Djibouti’s Banking

Kaynakça

1. A modern approach: Regulatory reforms and digitalisation to boost penetration rates Journal of Oxford Business Group, The Report, 2018.
2. Ahmed Hameed Al Deib (in press), Best Banks in Africa 2019: Innovating for Profit. Journal of Global Finance Magazine, 2020.
3. Ahmed Hameed Al Deib, Djibouti's financial sector boosted by competition and improving regulations. Journal of Oxford Business Group, The Report, 2016.
4. Alex Hales (in press), Emerging Technology Trends for Banking Industry in 2020 & beyond. Journal of Medium, © 2019, A Medium Corporation, at https://towardsdatascience.com/emerging-technology-trends-for-banking-industry-in-2020-beyond-b6ec30f2c102.
5. Chian-Son Yu (2014), Consumer switching behaviour from online banking to mobile banking; International journal of cyber society and education 7(1), 1-28.
6. Djibouti's financial sector boosted by competition and improving regulations. Journal of Oxford Business Group, The Report, 2016.
7. Emet GÜREL (2017), SWOT ANALYSIS: A THEORETICAL REVIEW, The Journal of International Social Research Cilt: 10 Sayı: 51 Volume: 10 Issue: 51.
8. Ernst & Young (2011), the digitisation of everything, from https://www.academia.edu/23705650/The_digitisation_of_everything_How_organisations_must_adapt_to_changing_consumer_behaviour.

9. GORDON PLATT (in press), Best Banks in Africa 2019: Innovating for Profit, Journal of Global Finance Magazine, 2020.
10. Ismail Guyo and Jacky Kayiteshonga (2016), Djibouti's financial sector boosted by competition and improving regulations. Journal of Oxford Business Group, The Report.
11. Khalfan et al., (2006), Factors influencing the adoption of Internet banking in Oman: a descriptive case study analysis International Journal of Financial Services Management, 1 (2) (2006), pp. 155-172.
12. Kulondwa SAFARI, Lukogo CHANCELINE (2019), Financial Iinclusion in Africa through mobile money services: A SWOT Analysis of mobile money services: Evidence from Bukavu in DR Congo. International Journal of Commerce and Finance, Vol. 5, Issue 2, 22-30.
13. OCC (1999), Internet Banking, The Office of the Comptroller of the Currency Issues Examination Handbook On internet Banking, October 1999, Washington from https://www.occ.gov/news-issuances/news-releases/1999/nr-occ-1999-94.html. CAC int. Bank overview, retrieved March 18, 2020 from https://CACintbank.com/about-us/ CAC int. Bank awards, retrieved March 19, 2020 from https://CACintbank.com/awards/ CAC int. Bank services, retrieved March 19, 2020 from https://CACintbank.com/
14. Scott Evoy (2017) Digital transformation in financial services, PwC (PricewaterhouseCoopers), from https://www.pwc.com/us/en/industries/financial-services/research-institute/top-issues/digital-transformation.html
15. Shih, Y. Y., & Fang, K. (2006), Effects of network quality attributes on customer adoption intentions of Internet banking. Total Quality Management, 17(1), 61–77.
16. Singh N (2010). SWOT Analysis – A Useful Tool for Community Vision: A concept paper of central Himalayan village. Res., 2(9): 16-18.
17. Xavier Decoster, Gabriel Lara Ibarra, Vibhuti Mendiratta and Marco Santacroce (2019), Welfare effects of introducing competition in the telecom sector in Djibouti. Journal of World Bank Group, Poverty & Equity Global Practice Working Paper 203.
18. YU P.L., BALAJI M.S. and KHONG K.W. (2015), Building Trust in Internet Banking: A Trustworthiness Perspective, Industrial Management & Data Systems, Vol. 115, no 2,p. 235-252.