Information Quality of Web Services: Payment Account Online Comparison Tools Survey in The Czech Republic and Slovakia

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F62690094%3A18450%2F19%3A50014917" target="_blank" >RIV/62690094:18450/19:50014917 - isvavai.cz</a>

Výsledek na webu

<a href="http://dx.doi.org/10.1007/978-3-030-11395-7_21" target="_blank" >http://dx.doi.org/10.1007/978-3-030-11395-7_21</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.1007/978-3-030-11395-7_21" target="_blank" >10.1007/978-3-030-11395-7_21</a>

Jazyk výsledku

angličtina

Název v původním jazyce

Information Quality of Web Services: Payment Account Online Comparison Tools Survey in The Czech Republic and Slovakia

Popis výsledku v původním jazyce

The paper is focused on the comparison and calculation of retail payment accounts costs. The latest development of digital services within the frame of a FinTech leaves out the product comparison so far and therefore a consumer has to rely on these online tools. Six comparison tools were found and ana-lyzed in two selected countries. The information quality test was performed based on the EU methodology regarding accuracy and full price, relevance, language and concision, detail, uniformity, comparability, and verifiability. The user test profile is a retail mainstream client with e-banking preference. All comparison tools but one failed in the information quality test. Some of them provided a correct result for only 33% of compared offers. Most of the misguiding and incorrect results came from a miscalculation of specific con-ditional sales issues and ATM withdrawal from other bank’s network service. Only one comparison tool passed with the share of correct and plausible re-sults above 90%. Unsatisfactory results can be explained by the incomplete-ness of CTs, not being up-to-date issues and by a specific pricing policy dif-ferent from e.g. United Kingdom or Germany. The last part suggests possible ways how to improve current unsatisfactory situation by creating a test framework that would complement the Directive 2014/92/EU.

Název v anglickém jazyce

Information Quality of Web Services: Payment Account Online Comparison Tools Survey in The Czech Republic and Slovakia

Popis výsledku anglicky

The paper is focused on the comparison and calculation of retail payment accounts costs. The latest development of digital services within the frame of a FinTech leaves out the product comparison so far and therefore a consumer has to rely on these online tools. Six comparison tools were found and ana-lyzed in two selected countries. The information quality test was performed based on the EU methodology regarding accuracy and full price, relevance, language and concision, detail, uniformity, comparability, and verifiability. The user test profile is a retail mainstream client with e-banking preference. All comparison tools but one failed in the information quality test. Some of them provided a correct result for only 33% of compared offers. Most of the misguiding and incorrect results came from a miscalculation of specific con-ditional sales issues and ATM withdrawal from other bank’s network service. Only one comparison tool passed with the share of correct and plausible re-sults above 90%. Unsatisfactory results can be explained by the incomplete-ness of CTs, not being up-to-date issues and by a specific pricing policy dif-ferent from e.g. United Kingdom or Germany. The last part suggests possible ways how to improve current unsatisfactory situation by creating a test framework that would complement the Directive 2014/92/EU.

Druh

D - Stať ve sborníku

CEP obor

—

OECD FORD obor

50206 - Finance

Projekt

—

Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2019

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název statě ve sborníku

Lecture Notes in Business Information Processing

ISBN

978-3-030-11394-0

ISSN

1865-1348

e-ISSN

—

Počet stran výsledku

14

Strana od-do

244-257

Název nakladatele

Springer Verlag

Místo vydání

Cham, Switzerland

Místo konání akce

Limassol, Cyprus

Datum konání akce

4. 10. 2018

Typ akce podle státní příslušnosti

WRD - Celosvětová akce

Kód UT WoS článku

—