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The objective of this study is to examine the factors affecting consumers intention towards adoption of mobile banking services in Malaysia. By adopting Technology Acceptance Model (TAM), this study examined the relationship between the consumers’ intention to use mobile banking (INT) and four variables i.e., perceived ease of use (PEOU), perceived usefulness (PU), social influence (SI), and security concerns (SC). Data were collected by using online survey questionnaires, and analysed. The findings indicate that the PEOU, PU, and SI have a significant positive effect on the consumers intention to use mobile banking services in Malaysia. However, there is no sufficient evidence to support security concern to have an effect on the intention to adopt mobile banking services. Practically, this study further highlights the importance of the banking industry players to leverage the “ease of use” and usefulness as points in their marketing activities to promote mobile banking services.

Keywords: mobile banking, technology acceptance model (TAM), partial least squares of structural equation modelling (PLS-SEM), Malaysia

This study examined the effect of international liquidity channels on the profitability of quoted commercial banks in Nigeria. The objective was to examine the direction which international liquidity channel affects commercial banks profitability. Return on equity was used as dependent variable while Monetary policy channels proxy by percentage of net foreign assets, financial market channel proxy by percentage of net foreign portfolio investment, international trade channel proxy by percentage of Nigeria terms of trade, capital mobility channel proxy by net foreign direct investment and currency channel proxy by variation of Nigeria naira to US dollar. Panel data of return on equity were sourced from financial reports of the commercial banks while international liquidity variables were sourced from Central banks of Nigeria statistical bulletin. Ordinary least square methods were used as data analysis methods. The study found that 50.3 percent of the variation in return on equity of the commercial banks is explained by the variables in the equation.

Monetary policy channel, international trade channel and currency have negative effect on return on equity while financial market channel and capital mobility channel has positive and no significant effect on return on equity of the commercial banks. The study recommends that Central Bank of Nigeria should adopt an appropriate macro prudential framework to enable Nigeria banks become internationally active in terms of liquidity and solvency. The depreciating naira exchange rate should be integrated to the monetary and the macroeconomic policies to avert its negative effect on the economy and the banking industry. The regulatory authorities and the bank management should formulate policies to manage international monetary shocks, the international financial environment and global financial crises to enhance Nigerian banking system soundness.

Keywords: International Liquidity Channel, Performance, Commercial Banks, Nigeria

Practice of Banking (POB) as a core course of banking and finance programme in the Universities, Polytechnics, and bankers’ professional examination, exposes students to the fundamentals of banking practices, bank customer relationships, bank accounts of customers, services of various types of banks, and securities being accepted for loans and advances and sundry issues relating to credit administration. POB, because of its nature, scope and dynamism, has proved very difficult for many students to pass in various examinations especially that of the Chartered Institute of Bankers of Nigeria (CIBN). This problem is not unconnected with several factors, but most significantly due to lack proper techniques in tackling examination problems in POB which are mostly in the form of case studies. This paper via content analysis method, attempts to expose students to techniques of tackling POB examination problems as well suggesting some pragmatic approaches to teaching and learning the course. Accordingly, the study proposes the following three models/approaches to tackling POB problems in examinations-the Introduction-Relevant case- Application- Conclusion (IRAC) model, Principles-Exemption- Relevant case- Conclusion (PERC) model, and the Flowing Model in their POB examinations.

Keywords: Practice of Banking, Teaching, Examination, PERC, IRAC model.

JEL Classification Codes: A20, G21, I20.

The main objective of this study was to investigate the impact of budget evaluation on economic development in Nigeria. The motivation was series of imbalances in budget formulation and implementation faced by Nigerian economy. The design adopted for this study was ex-post-facto; data used for analysis were elicited from Central Bank Statistical Bulletin and Federal Ministry of Finance. To achieve this broad objective, a model was formulated based on empirical and theoretical reviews. The model used Human Development Index (HDI) as the dependent variable while government’s capital budget, recurrent budget and the rate of implementation of annual budgets were the independent variables in the model. This study employed Ordinary Least Squares (OLS) Model to analyze data. The inferential results suggested that budget evaluation had positive and significant impact on economic development in Nigeria. The study recommended that government of Nigeria should endeavor to increase her capital and recurrent expenditure in her annual budget, since both had significant impact on economic development. Finally, the government should also try to put in place effective budget monitoring and evaluation machinery that will enhance high budget implementation rate and also ensure the strict adherence to due process.

Keywords: Budget evaluation, economic development, human development index, capital budget, recurrent budget and auto regressive distributed lag model.

Based on a simultaneous-equation model, this paper shows that if the New Zealand dollar depreciates 1% versus the U.S. dollar, the consumer price in New Zealand would decrease by 0.0276%. In addition, more government borrowing as a percent of GDP, more money supply, a higher U.S. price level, a higher crude oil price, and a higher expected price level would raise New Zealand’s consumer price level. Therefore, exchange rate pass-through to consumer prices is not confirmed for New Zealand.

Keywords: Exchange Rate Pass-Through, Exchange Rates, Consumer Prices, Money Supply, Crude Oil Prices

JEL Classification: E31, E52