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Green banking : an exploration from the perspectives of banks, and retail bank customers : a thesis presented in partial fulfilment of the requirements for the degree of Doctor of Philosophy in Banking at Massey University, Manawatu Campus, School of Economics and Finance, New Zealand. EMBARGOED UNTIL JULY 2027.
(Massey University, 2024-11-11) Kalu Kapuge Dona, Lilani Randika Kapuge
This study explores green banking adoption from the perspectives of banks, and retail bank customers. Our aim is to contribute to banks’ adoption of green banking. This is achieved by examining banks’ green practices and proposing a constructivist framework for banks to transform from conventional banking into green banking. As banks are driven by a profit motive, if banks’ environmental performance positively connects with attaining their profitability objectives, there may be a motivation to apply green banking practices. In Essay One, we examine the impact of banks’ green performance and disclosures on their financial, market, and risk performance. We employ Bloomberg’s environmental disclosure scores and Refinitiv’s environmental performance scores as proxies to measure banks’ green performance and disclosures. As an addition to ESG literature, we use Yale’s Environmental Performance Index (EPI) to examine the extent to which the home country’s environmental performance moderates the links between the impact of banks’ environmental performance and disclosures on their financial, market and risk performance. Data was drawn from 189 of the world’s largest banks for the period 2009 to 2019, and the analysis incorporates two-step system GMM models. To check the robustness of our results, we removed banks that are major financiers of fossil fuels and EU banks from the main sample. We find no evidence to support Bloomberg’s environmental disclosure scores or Refinitiv’s environmental performance scores impacting banks’ financial, market and risk performance. In addition, EPI does not moderate the links between the impact of banks’ environmental performance and disclosures on their financial, market and risk performance. The findings confirm that environmental performance and environmental disclosures do not matter to big banking players’ prosperity. Overall, this study establishes the need for a commonly agreed banking-industry-oriented environmental rating scale to measure banks’ green performance correctly to avoid misleading green-conscious stakeholders and identify banks’ true green efforts. In Essay Two, in response to the absence of an agreed or standard performance measurement mechanism for green banking, we develop a green banking scorecard (GBS) from a new perspective. First, we use the updated version of the Planetary Boundaries Theory (PBT) to broaden the green banking measurement scale. Second, we employ a Fossil Fuel Index (FI) to assess banks’ true commitments towards green banking, because banks are often criticised as major financiers of fossil fuels. Third, as a new addition to banks’ green performance measurement, we use Yale’s Environmental Performance Index (EPI) which brings international differences in measuring banks’ green performance into a common platform. We apply the GBS to 37 of the world's largest banks to measure their green performance. We find that European banks achieve higher green banking scores compared to Asian and American banks. In Essay Three, following Stakeholders' Theory, stakeholders’ positive behavioural change towards green banking is essential for banks to adopt green banking. Employing Behavioural Response Theory (BRT), we examined retail bank customers’ intention to adopt green banking in New Zealand using 254 online survey responses. To extend this study, we examine whether retail bank customers’ environmental knowledge moderates the association between attitude towards green banking and intention to adopt green banking. The study finds retail bank customers prefer green banking although some of them do not yet intend to adopt green banking. The findings confirm that environmental knowledge has a weak negative moderating effect on the association between attitude towards green banking and intention to adopt green banking. The responses from this study indicate there are specific factors that affect and limit retail bank customers’ intentions to adopt green banking. In summary, this study concludes environmental disclosure scores, or environmental performance scores do not impact banks’ financial, market and risk performance. We proposed a green banking scorecard (GBS) from a new perspective to measure banks’ green performance and we find that European banks achieve higher green banking scores compared to Asian and American banks. Finally, the study finds retail bank customers also prefer green banking and intend to adopt green banking.
Customer behaviours and online banking in New Zealand : a thesis presented in partial fulfilment of the requirements for the degree of Doctor of Philosophy in Banking at Massey University, Manawatū campus, New Zealand
(Massey University, 2020) Azeem, Saba
Recent technological developments in the financial sector have led to renewed interest in studying bank-customer relationships. The present study examined the effects of six demographic characteristics (i.e. age, gender, household income, education, employment and marital status) on the use of online banking in New Zealand. Three research questions were addressed: How do different personal characteristics affect customers’ use of online banking? How do these characteristics interact with each other in affecting customers’ use of online banking? and How do different characteristics affect the key factors that form users’ perceptions of online banking usefulness? We used a three-pronged data collection methodology including four focus group discussions an online survey and twenty-six qualitative interviews. The survey was taken by 758 respondents and the completion rate was 76%. A range of descriptive and empirical analytics were used and strong effects of customer demographics on online banking use were found. The explanatory power of the six characteristics was examined using stepwise backward regression modelling while ANOVA tests confirmed interactive effects between combinations of characteristics. Through Principal component analysis, we identified a subset of four key constructs to represent the major areas of themes where customer perceptions differ regarding the use of online banking. Ordinal logit regression determined how perceptions differ on the basis of the differences in demographics. Academically, this research examines the predictive utility of demographic characteristics in explaining New Zealanders’ use of online banking technologies from both banking and marketing perspectives. Expanding on demographic relationships as proxies for deeper drivers of behaviours, this study offers practical lessons for effective segmentation and engagement strategies. It reminds banks that understanding customer personas is the first step to effective targeting or personalization. This is critical in developing customer-centric banking in New Zealand and other regions.
Factors affecting the adoption of mobile banking in New Zealand : a thesis presented in partial fulfilment of the requirements for the degree of Masters in Information Technology in Information Systems at Massey University, Albany campus, New Zealand
(Massey University, 2012) Malhotra, Renima
Mobile banking is a new banking medium by which customers can check their account balances and do transactions on-the-go. All a customer needs is a mobile device along with 3G connectivity. In most studies it has been observed that mobile banking is in the nascent stage and has yet to reach its potential of becoming the primary channel of contact for addressing the banking needs of customers. The aim of this study was to determine the factors that influence the adoption of mobile banking in New Zealand. The research model was based on the Technology Acceptance model and tests the constructs identified through the focus group discussion. A survey was developed to obtain responses from various segments of the society who may or may not have heard of mobile banking. The findings showed that some factors pertaining to trust, usefulness and risk drive the usage of mobile banking in New Zealand. Perceived risk was identified as a major inhibitor in the adoption of mobile banking amongst the users.

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