Transformimi digjital - Vlerësimi i aplikacioneve mobile banking në Shqipëri
Abstrakti
Rritja aplikacioneve të “mobile banking” ka revolucionarizuar peizazhin financiar, duke i ofruar komoditet dhe liri përdorimi përdoruesve shqiptarë. Në Shqipëri, të 11 bankat tregtare, u ofrojnë klientëve mundësinë për “mobile banking” dhe “online banking”.Duke qenë se në ditët e sotme telefonat inteligjentë janë metoda e parapëlqyer e përvojës sonë digjitale, “mobile banking”është mënyra e parapëlqyer e ndërveprimit me bankën. Në Shqipëri, kjo metodë është qasja e mbi 73% të përdoruesve të shërbimit online të bankave. Besohet se tiparet miqësore në përdorim, lehtësia e navigimit, gjuha e thjeshtë dhe përditësimi dhe ndërveprimi i vazhdueshëm me komentuesit dhe veprimet përmirësuese, luajnë një rol të rëndësishëm në shkarkimin e përdorimin e aplikacionit, tërheqjen mbajtjen dhe rritjen e kënaqësisë e klientit, si edhe rrjedhimisht në rritjen e efikasitetit të operacioneve bankare. Ky punim shqyrton vlerësimin e këtyre aplikacioneve në platformën “Googleplay”, duke shfrytëzuar vlerësimet e përdoruesve të aplikacioneve që shkojnë nga 2.9 në 4.4, për të dalluar prirjet dhe modelet që rrisin kënaqësinë e përdoruesit shqiptar dhe rrjedhimisht efikasitetin operacional të bankave tregtare.
Fjalët kyçe:
aplikacion “mobile banking”, bankë, klient, koment, vlerësimShkarkimet
References
-
Ahmadi, T & Narci, M & Obrenovic, B. (2022). The Impact of “Mobile Banking” Services on Customer Satisfaction and Retention: A Study on Turkey Banks. International Journal of Innovation and Economic Development. 8. 10.18775/ijied.1849-7551-7020.2015.83.2001.
-
Alhejji, S.; Albesher, A.;Wahsheh, H.; Albarrak, A. (2022). Evaluating and Comparing the Us-ability of Mobile Banking Applications in Saudi Arabia, https://doi.org/10.3390/info13120559
-
Alrizq, M., Alghamdi, A. (2024) Customer satisfaction analysis with Saudi Arabia mobile banking apps: a hybrid approach using text mining and predictive learning techniques. Neural Comput & Applic 36, 6005–6023.
-
Alismail, M.A.; Albesher, A.S. Evaluating Developer Responses to App Reviews: The Case of Mobile Banking Apps in Saudi Arabia and the United States. Sustainability 2023,15, 6701. https://doi.org/10.3390/su15086701
-
Che, M., Say, S.Y.A., Yu, H. et al. (2023). Investigating customers’ continuous trust towards mobile banking apps. Humanit Soc Sci Commun 10, 960 https://doi.org/10.1057/s41599-023-02483-3
-
Gupta, M (2023). An empirical study to measure a multidimensional scale for the success of mobile banking applications The Online Journal of Distance Education and e-Learning, April 2023
-
Ghobakhloo, M., Fathi, M. (2019 Modeling the Success of Application-Based Mobile Banking. Economies 2019, 7(4), 114; https://doi.org/10.3390/economies7040114
-
Hsu, C. L., & Lin, J. C. C. (2018). Exploring the factors influencing the continuance intention to use mobile banking services: A comparative study. Information Systems and e-Business Management, 16(4), 853-871.
-
Kim, H. W., Chan, H. C., & Gupta, S. (2020). Examining the effects of trust and perceived risk on mobile banking adoption: A case of South Korea. International Journal of Bank Marketing, 38(3), 738-758.
-
Wang, Y. S., & Lin, H. H. (2019). Exploring the role of trust in the adoption of mobile banking: A social cognitive perspective. International Journal of Information Management, 49, 13-20.
-
https://aab.al/wp-content/uploads/2023/12/Studimi-Final-shqip.pdf
-
https://asoworld.com/blog/how-do-app-reviews-and-ratings-affect-users-decisions/ -
-
https://www.bai.org/banking-strategies/new-insights-into-banking-apps-from-billions-of-installs/ -
-
Sia Partners 2022 International “mobile banking” Benchmark (sia-partners.com)
-
https://www.magnifymoney.com/banking/best/mobile-banking-apps/
-
https://medium.com/@iliakuh/ratings-and-reviews-part-1-9f0a7045356f
References
Ahmadi, T & Narci, M & Obrenovic, B. (2022). The Impact of “Mobile Banking” Services on Customer Satisfaction and Retention: A Study on Turkey Banks. International Journal of Innovation and Economic Development. 8. 10.18775/ijied.1849-7551-7020.2015.83.2001.
Alhejji, S.; Albesher, A.;Wahsheh, H.; Albarrak, A. (2022). Evaluating and Comparing the Us-ability of Mobile Banking Applications in Saudi Arabia, https://doi.org/10.3390/info13120559
Alrizq, M., Alghamdi, A. (2024) Customer satisfaction analysis with Saudi Arabia mobile banking apps: a hybrid approach using text mining and predictive learning techniques. Neural Comput & Applic 36, 6005–6023.
Alismail, M.A.; Albesher, A.S. Evaluating Developer Responses to App Reviews: The Case of Mobile Banking Apps in Saudi Arabia and the United States. Sustainability 2023,15, 6701. https://doi.org/10.3390/su15086701
Che, M., Say, S.Y.A., Yu, H. et al. (2023). Investigating customers’ continuous trust towards mobile banking apps. Humanit Soc Sci Commun 10, 960 https://doi.org/10.1057/s41599-023-02483-3
Gupta, M (2023). An empirical study to measure a multidimensional scale for the success of mobile banking applications The Online Journal of Distance Education and e-Learning, April 2023
Ghobakhloo, M., Fathi, M. (2019 Modeling the Success of Application-Based Mobile Banking. Economies 2019, 7(4), 114; https://doi.org/10.3390/economies7040114
Hsu, C. L., & Lin, J. C. C. (2018). Exploring the factors influencing the continuance intention to use mobile banking services: A comparative study. Information Systems and e-Business Management, 16(4), 853-871.
Kim, H. W., Chan, H. C., & Gupta, S. (2020). Examining the effects of trust and perceived risk on mobile banking adoption: A case of South Korea. International Journal of Bank Marketing, 38(3), 738-758.
Wang, Y. S., & Lin, H. H. (2019). Exploring the role of trust in the adoption of mobile banking: A social cognitive perspective. International Journal of Information Management, 49, 13-20.
https://play.google.com/store/games?hl=en&gl=US
https://aab.al/wp-content/uploads/2023/12/Studimi-Final-shqip.pdf
https://asoworld.com/blog/how-do-app-reviews-and-ratings-affect-users-decisions/ -
https://backlinko.com/iphone-vs-android-statistics
https://www.bai.org/banking-strategies/new-insights-into-banking-apps-from-billions-of-installs/ -
Sia Partners 2022 International “mobile banking” Benchmark (sia-partners.com)
https://www.magnifymoney.com/banking/best/mobile-banking-apps/
https://medium.com/@iliakuh/ratings-and-reviews-part-1-9f0a7045356f
English
Albanian
