Factors Influencing Customer Trust in Mobile Banking: Case of Latvia

Directory of Open Access Journals (Sweden)

Skvarciany Viktorija

2017-12-01

Full Text Available The banking sector has developed and extended the use of its services in the past decade. In fact, nowadays mobile banking (M-banking is the most developing service offered by a bank. In order to encourage customers to use m-banking services, it is extremely important to get clients to trust the M-banking services provided by the bank. This article discusses private clients’ trust in mobile banking in Latvia. Hence, the goal of the research is to identify the key factors driving individual customer’s confidence in mobile banking. In order to determine the weight of each factor, expert evaluation method based on analytic hierarchy process (AHP was used. The results showed that the most vital factor affecting private clients’ trust in mobile banking is customer characteristics, especially customers’ computer literacy. However, after summarizing all the subfactors, it became clear that the most powerful in the trust-building process is convenience/practicality of using a mobile application. However, there is a limitation – the survey was conducted by interviewing experts, which means that the results may differ from the responses of the clients themselves.

Measuring the post-adoption customer perception of mobile banking services.

Science.gov (United States)

Yu, Tai-Kuei; Fang, Kwoting

2009-02-01

With liberalization and internalization in the financial market and progress in information technology, banks face dual competitive pressures to provide service quality and administrative efficiency. That these recent developments are fueled by technology might misleadingly suggest that the adoption of mobile banking is largely based on technological criteria. The purpose of this study is to establish a better measurement model for postadoption user perception of mobile banking services. Based on 458 valid responses of mobile banking users, the results show that the instrument, consisting of 21 items and 6 factors, is a reliable, valid, and useful measurement for assessing the postadoption perception of mobile banking.

Factors Affecting Mobile Banking Adoption in the United States

Science.gov (United States)

Engwanda, Michel Ndongola

2014-01-01

Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of…

Assessing the Introduction of Mobile Banking in Jordan Using Technology Acceptance Model

Directory of Open Access Journals (Sweden)

Mohammed-issa R Jaradat

2010-01-01

Full Text Available The continuously growing number of mobile users demonstrates that more and more users seek to benefit from the freedom afforded without the need for cables, time and place. The mobility is the driving force behind the new global economy, with mobile banking, banks offer a new revolutionize services and giving their consumers more options than ever before. This study aimed to: (1 Investigate consumers' expectations and attitudes towards mobile banking in Jordan. (2 Identify the problems that organizations and consumers encounter while adopting or using mobile banking. (3 Measure the level of consumers’ perceived usefulness (PU, perceived ease of use (PEOU, attitude towards using (ATU, behavioral intention to use (BI, and the actual use (AU of mobile banking. Data for this study have been collected using a questionnaire containing 44 questions. Out of 325 questionnaires that have been distributed, 275 are returned (84.6%. As a result of this study it appeared that if consumers have positive Attitudes towards mobile banking, they would rely on it to conduct their banking transactions. This study finds that Jordanian consumers rely on wireless devices (Mobile for their banking transactions, which leads to the actual use of this new technology, taking into consideration trust as a factor that could affect the success of using mobile banking in Jordan. This study gives quantified indicators about mobile banking and a model that might help in understanding the mobile banking environment in Jordan.

The transition from traditional banking to mobile internet finance: an organizational innovation perspective - a comparative study of Citibank and ICBC

OpenAIRE

Chen, Zhuming; Li, Yushan; Wu, Yawen; Luo, Junjun

2017-01-01

The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China (ICBC) and Citibank. It analyzes the strategies, organizations,...

Factors Affecting the Intention to Reuse Mobile Banking Service

Directory of Open Access Journals (Sweden)

Ceva Lavenja Arahita

2015-10-01

Full Text Available The accelerated advancement in technology resulted to the appearance of Self Service Technology. One form of self-service technology in the banking sector is the presence of mobile banking. This study aims to examine the influence of five factors toward the reusing of Mobile Bank Central Asia (BCA in Bandung. Those factors used in this study were the extension of Technology Acceptance Model (TAM constructs, i.e perceived usefulness, perceived ease of use, perceived credibility, customer awareness and social influence. Data was collected through distributed questionnaire to 100 respondents who used Mobile BCA by using judgment sampling. Multiple linear regression technique was employed to investigate the influence among variables. This study empirically concluded that consumer intention to reuse BCA mobile services was positively influenced by perceived ease of use, customer awareness and social influence. On the other hand, perceived usefulness and perceived credibility did not influence the intention of reusing Mobile BCA in Bandung. Further study is suggested to use probability sampling technique to cover the real voice of mobile banking user in Bandung and to explore the lack influence of perceived usefulness and perceived credibility toward reusing of Mobile BCA.

Factors Affecting the Intention to Reuse Mobile Banking Service

Directory of Open Access Journals (Sweden)

Ceva Lavenja Arahita

2015-12-01

Full Text Available The accelerated advancement in technology resulted to the appearance of Self Service Technology. One form of self-service technology in the banking sector is the presence of mobile banking. This study aims to examine the influence of five factors toward the reusing of Mobile Bank Central Asia (BCA in Bandung. Those factors used in this study were the extension of Technology Acceptance Model (TAM constructs, i.e perceived usefulness, perceived ease of use, perceived credibility, customer awareness and social influence. Data was collected through distributed questionnaire to 100 respondents who used Mobile BCA by using judgment sampling. Multiple linear regression technique was employed to investigate the influence among variables. This study empirically concluded that consumer intention to reuse BCA mobile services was positively influenced by social influence, customer awareness and perceived ease of use. On the other hand, perceived usefulness and perceived credibility did not influence the intention of reusing Mobile BCA in Bandung. Further study is suggested to use probability sampling technique to cover the real voice of mobile banking user in Bandung and to explore the lack influence of perceived usefulness and perceived credibility toward reusing of Mobile BCA.

Social Cognitive Theory in Mobile Banking Innovations

OpenAIRE

Vanessa Ratten

2011-01-01

This paper examines the behavior Australian youths have toward mobile banking. Social cognitive theory is the theoretical framework in which a conceptual model is empirically tested. The conceptual model includes five constructs (media, modeling, outcome expectancy, learning orientation and entrepreneurial orientation), which are proposed to influence an individual’s intention to adopt mobile banking. The conceptual model is tested in a sample of Australian youths and the analysis supports ...

Perceived Risk towards Mobile Banking: A case study of Malaysia Young Adulthood

Science.gov (United States)

Shuhidan, Shuhaida Mohamed; Rahah Hamidi, Saidatul; Syazwani Saleh, Intan

2017-08-01

The advancement of technology and the raise of smart devices ownership in Malaysia has eventually increase the exploration of mobile banking services. Mobile banking has been first commercialized in Malaysia on 2005 and expected to growth. Despite the exponential growth, the mobile banking penetration rate is slow compared to online banking. This study aims to highlight the issues and challenges of mobile banking and to have insight on young adulthood perceived risk towards mobile banking, specifically in Malaysia. In order to support the exploratory study, these risks are surveyed in quantitative study conducted among young adulthood in Malaysia. The self-administered questionnaire distributed through email with 384 respondents indicated that the most impacted facets perceiveed risks are performance risk, following by security risk. The results of this study can be used by the practitioner to address the customer challenges, customer interest and concern for mobile banking service improvement.

DroydSeuss: A Mobile Banking Trojan Tracker - Short Paper

NARCIS (Netherlands)

Coletta, A.; van der Veen, V.; Maggi, F.

2016-01-01

After analyzing several Android mobile banking trojans, weobserved the presence of repetitive artifacts that describe valuable informationabout the distribution of this class of malicious apps. Motivatedby the high threat level posed by mobile banking trojans and by thelack of publicly available

Industries and the bank lending effects of bank credit demand and monetary policy in Germany

NARCIS (Netherlands)

Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

2006-01-01

This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

Development of protected endorsement for online banking using mobile phones

Science.gov (United States)

Narayana, Galla; Venkateswarlu, Tammineni; Kumar, G. S. P.; Padmavathamma, Mokkala; Sreekanth, G.; Delhibabu, K.; Prasad, A. R.

2013-03-01

Securing Online Banking transactions for customer is the primary goal of financial institutions that provides Internet banking facility. Mobile phones play an important role in our society as more and more functions having been integrated within mobile phones, such as Internet browsing, mobile banking, and shopping. Mobiles phones can be used to secure ATM card pins by sending to the customer directly rather than in emails or by other means which has a possibility of hacking. In this paper we have proposed method of generating a Private Key Security Token by bank authentication servers which uses IMSI registers and IMEI number of client's mobile registered. The key is generated by implementing RIPE MD160 and Hex Encode Algorithm. Token received is valid only for that client mobile only and can be generated upon request by customer dynamically. The client is given a PIN and a Master Key when registered to the Online Banking Services. If in case a client's mobile is lost, authentication is done using Unique Master Key, else the Private Key Token is used there by making transactions secured and simple without the need of carrying any USB Tokens. The additional functionality provides the client more security on their transactions. Due to this Phishing attacks by the hackers is avoided.

Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements

OpenAIRE

Pousttchi, Key; Schurig, Martin

2004-01-01

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. This paper analyzes customer needs and expectations from the mobile applications’ view and from the banking view in order to derive a defined set of requirements. Based on these results, existing mobile banking applications are assessed. Their major shortcomings are explained, opportunities for their improvement are shown and th...

Mobile Banking: a Customer Relationship Management (Crm) Channel

OpenAIRE

Budiardjo, Eko K; Aprillovi, Dewi

2009-01-01

Meningkatnya pengguna handphone mendorong bank meluncurkan produk-produk layanan perbankan melalui handphone yang dikenal dengan sebutan Mobile Banking (M-Banking). Dalam konteks Customer Relationship Management (CRM), kehadiran M-Banking juga memberikan kontribusi dalam meningkatkan dan mempertahankan kesetiaan pelanggan. Strategi sukses membangun CRM sangat dipengaruhi oleh kepandaian tim pemasaran dalam memahami perilaku dan kebutuhan pelanggan, yang dapat diterjemahkan kedalam kelompok tr...

Productive efficiency in the banking industry

Directory of Open Access Journals (Sweden)

Martín Leandro Dutto Giolongo

2016-07-01

Full Text Available The goal of this paper is to estimate the productive efficiency of Argentine banks. For this purpose, panel data of the universe of banks under the supervision of the Central Bank of the Republic of Argentina (BCRA has been collected. In order to build the bank´s indicators, we used a database of 66 institutions, with annual information for the period 2009-2013. The sources of information were both the BCRA´s web site (www.bcra.gov.ar, and the Buenos Aires Stock Exchange´s web site (www.bolsar.com. It has been selected an efficiency indicator ranging between 0 and 1, meaning the lowest and highest level of efficiency, respectively. The concept of efficiency used here is a relative one, because it considers a Bank´s performance in relation to the behavior of the best players in the industry, being the latter the base of the industry benchmark or frontier. The results show that the mean efficiency of Argentine banks is 0,8277 in the specific period under consideration. The comparison with the results of other studies relating efficiency and competitive pressure, didn´t allow us to infer that the Argentine banking industry experienced in the period a high level of competition

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

Roman Šubić

2009-12-01

Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

Effective factors on bank resource mobilization

OpenAIRE

Saeid Ghorbannejad Maleki; Jafar Beikzad

2012-01-01

The main purpose of this paper is to detect effective factors on mobilization of East Azarbaijan Agricultural Bank resources in terms of deposits absorption. In order to reaching this goal, six hypotheses have been arranged and a questionnaire including 28 questions has been designed. So after justifiability and perpetuity evaluation, the questionnaires are distributed among managers of these banks. We have analyzed the data using multi variable regression analysis, Pearson's R and Variant an...

Mobile operators as banks or vice-versa? and: the challenges of Mobile channels for banks

NARCIS (Netherlands)

L-F. Pau (Louis-François)

2004-01-01

textabstractThis short paper addresses the strategic challenges of deposit banks, and payment clearinghouses, posed by the growing role of mobile operators as collectors and payment agents of flow of cash for themselves and third parties. Through analysis and data analysis from selected operators ,

Macroeconomic and industry-specific determinants of Greek bank profitability

Directory of Open Access Journals (Sweden)

Zampara, K.

2017-03-01

Full Text Available Purpose: The purpose of this paper is to investigate the external factors that influence the profitability of a typical Greek systemic bank over the period 2001 – 2014. Design/Methodology/Approach: A conceptual framework incorporating two fundamental groups of const ructs, namely, macroeconomic forces and industry related factors, was developed. Two constructs were examined in the former: GDP growth rate and unemployment rate, whilst two attributes were explored in the latter; the bank's market share, both in terms of deposits and in terms of assets, and the banking market growth, also both in terms of the market's total assets and total deposits. In order to isolate the effects of the ongoing financial crisis, the research was undertaken for two periods, firstly 2001 to 2014 and secondly, the period 2001 - 2011, which excluded the deep recession. Consequently, multiple regression analysis was conducted and linear models were specified by means of OLS. Findings: The empirical analysis revealed that both macroeconomic forces and industry-related factors affect bank profitability. As far as the macroeconomic factors are concerned, unemployment rate has a negative impact, whereas the GDP growth rate has a positive impact on bank profitability. The industry -related factors, rate of growth of the industry's deposits and bank's assets market share have a positive impact on the financial performance of the bank. Finally, the rate of growth of the industry's assets and the bank's deposits market share have a negative effect on bank profitability. Originality/Value: This study reveals the mechanism determining bank profitability over a recent period that includes the financial crisis. Moreover, understanding the impact of macroeconomic forces as well as industry related attributes on bank profitability may enable banks to focus on the most critical factors in their decision process.

Business culture and dishonesty in the banking industry.

Science.gov (United States)

Cohn, Alain; Fehr, Ernst; Maréchal, Michel André

2014-12-04

Trust in others' honesty is a key component of the long-term performance of firms, industries, and even whole countries. However, in recent years, numerous scandals involving fraud have undermined confidence in the financial industry. Contemporary commentators have attributed these scandals to the financial sector's business culture, but no scientific evidence supports this claim. Here we show that employees of a large, international bank behave, on average, honestly in a control condition. However, when their professional identity as bank employees is rendered salient, a significant proportion of them become dishonest. This effect is specific to bank employees because control experiments with employees from other industries and with students show that they do not become more dishonest when their professional identity or bank-related items are rendered salient. Our results thus suggest that the prevailing business culture in the banking industry weakens and undermines the honesty norm, implying that measures to re-establish an honest culture are very important.

Credit Risk Management in Chinese Banking Industry

OpenAIRE

Zhang, Lei

2006-01-01

Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

Strategic marketing planning and the Nigerian banking industry ...

African Journals Online (AJOL)

Strategic marketing planning and the Nigerian banking industry. ... However, banks often have problem of formulating good marketing strategy plan that will enhance the bank general performance. ... EMAIL FULL TEXT EMAIL FULL TEXT

Mobile Banking for Empowerment Muslim Women Entrepreneur: Evidence from Asia (Indonesia and Bangladesh

Directory of Open Access Journals (Sweden)

Lucky Nugroho

2015-04-01

Full Text Available Objective - Women entrepreneurs have positive contribution to the household economy in particular, and the sustainable economic development in general. Nevertheless, there are limitations in mobility for women entrepreneurs, especially in Muslim countries to conduct their business activities outside the home, which was due to concern, to take care of their children, and the values or customs, which is embraced by the local community, so that limited mobility of women entrepreneurs, not because of the Islamic religiosity. Therefore, is requires form of technology solutions for women entrepreneurs, which can reduce, the limitations.Methods - literature reviewResults - the role of mobile banking as well as branchless banking for women entrepreneurs has been shown to have a very important role to connect their access to financial services. The role of education for women, is also an important factor to improve the knowledge and ability to use technology, including mobile banking services. In addition to the phenomenon of the increasing number of women entrepreneurs and the growing literacy of women in developing countries such as Indonesia and Bangladesh, it will have an impact on increasing the professionalism of women entrepreneurs, and the demand for technology-based financial services such as mobile banking.Conclusions - Implementation of this program must have the support of all stakeholders, including the cooperation between the banks with microfinance institutions to expand the reach of the benefits of this technology. Keywords: Women Entrepreneur, mobile banking, branchless banking,

Achieving Payoffs from an Industry Cloud Ecosystem at BankID

DEFF Research Database (Denmark)

Eaton, Ben; Hallingby, Hanne Kristine; Nesse, Per-Jonny

2014-01-01

BankID is an industry cloud owned by Norwegian banks. It provides electronic identity, authentication and electronic signing capabilities for banking, merchant and government services. More than 60% of the population uses BankID services. As the broader ecosystem around BankID evolved, challenges......—arising from tensions between different parts of the ecosystem—had to be resolved. The four lessons learned from the BankID case will help others to build an industry cloud and establish a healthy ecosystem to service a broad user base....

Establishing Mobile Financial Services in Ethiopia

Science.gov (United States)

Kanagwa, James R.

2016-01-01

Mobile phone service is increasing among low income populations; however, with over 1 billion mobile service users worldwide, many people still lack banking services. Banks do not reach out to the poor because of the high operational costs involved. Scholars and industry practitioners have indicated that mobile phones could be an alternative…

Concentration and Competition in Turkish Banking Industry: The Evidence from 2000 to 2012

Directory of Open Access Journals (Sweden)

Serpil Kuzucu

2015-09-01

Full Text Available Banking industry worldwide has been transformed due to globalization, financial liberalization, technological developments, government policies, deregulation of financial services, financial crises and increase in mergers and acquisitions since 1980. With these changes, there is a trend towards decrease in the number of banks and increase in banking concentration. Increase in banking concentration might affect competition conditions in banking industry. The decrease in the number of banks and the increase in banking concentration dominate the Turkish banking industry after the banking crises in 2000 and 2001. This paper examines the relationship between concentration and competition in Turkish banking industry. I measure the size of banking concentration by concentration ratios and Herfindahl-Hirschman index with the data of commercial deposit banks in Turkey from 2000 to 2012. Competition degree is measured by using Panzar Rosse model. The results of the study suggest that there is no permanent relation between banking concentration and competition in Turkish banks.

RISK INTEGRATION MECHANISMS AND APPROACHES IN BANKING INDUSTRY

OpenAIRE

JIANPING LI; JICHUANG FENG; XIAOLEI SUN; MINGLU LI

2012-01-01

Recently, the number of consultative documents and research papers that discuss risk integration has grown considerably. This paper presents a comprehensive review of the work done on risk integration in the banking industry. This survey includes: (1) risk integration methods within regulatory frameworks and the banking industry; (2) challenges of risk integration; (3) risk interaction mechanisms; (4) development of risk integration approaches; (5) risk interaction results: diversification ve...

Market Structure, Financial Dependence and Industrial Growth: Evidence from the Banking Industry in Emerging Asian Economies.

Science.gov (United States)

Khan, Habib Hussain; Ahmad, Rubi Binit; Gee, Chan Sok

2016-01-01

In this study, we examine the role of market structure for growth in financially dependent industries from 10 emerging Asian economies over the period of 1995-2011. Our approach departs from existing studies in that we apply four alternative measures of market structure based on structural and non-structural approaches and compare their outcomes. Results indicate that higher bank concentration may slow down the growth of financially dependent industries. Bank competition on the other hand, allows financially dependent industries to grow faster. These findings are consistent across a number of sensitivity checks such as alternative measures of financial dependence, institutional factors (including property rights, quality of accounting standards and bank ownership), and endogeneity consideration. In sum, our study suggests that financially dependent industries grow more in more competitive/less concentrated banking systems. Therefore, regulatory authorities need to be careful while pursuing a consolidation policy for banking sector in emerging Asian economies.

PENGARUH KUALITAS LAYANAN, PERSEPSI NILAI DAN KEPERCAYAAN TERHADAP KEPUASAN DAN LOYALITAS PENGGUNA LAYANAN MOBILE BANKING

Directory of Open Access Journals (Sweden)

Heri Setiawan

2016-10-01

Full Text Available This study aims to determine the determinant of customer satisfaction and loyalty implications for users of mobile banking. This study used Structural Equation Modeling (SEM to test the hypotheses of the study and use the software AMOS 5.0 and SPSS 20.0. The population in this study are the mobile banking users in seven banks in  Palembang City; Bank Mandiri, Bank BNI, Bank BRI, Bank Danamon, BCA, and Bank Permata. The research sample consist of 250 respondents to the provisions of the election to the mobile banking users. The results showed that the service quality, perceived value, trust and customer satisfaction has a strong effect on customer loyalty. Service quality have significant effect on consumer satisfaction. Perceived of value have significant effect on customer satisfaction. Trust have significant effect on consumer satisfaction. Service quality have significant effect on customer loyalty. Trust  have significant effect on customer loyalty. Customer satisfaction have significant effect on customer loyalty. Banks should build strong relationships with customers and provide better service quality to reduce the behavior of customers to switch to another bank service.

Industrialization and Intergenerational Mobility in Sweden

NARCIS (Netherlands)

Maas, Ineke; Leeuwen, Marco H.D. van

2002-01-01

The relationship between industrialization and intergenerational mobility has been a topic of discussion for over forty years. In this article both total mobility and relative mobility chances are studied in the decades preceding industrialization and the decades during industrialization. A

Measuring brand equity in banking industry: A case study of Mellat Bank

Directory of Open Access Journals (Sweden)

Maryam Nadernezhad

2013-08-01

Full Text Available This study examines the influencing factors on brand equity in banking industry. The proposed study designs a questionnaire consists of 16 questions for measuring brand loyalty, brand awareness, brand compatibility and perceived quality in one of Iranian banks named Mellat Bank. Using a descriptive and non-experimental study, the proposed study gathers data and analyze them using t-student test. The results indicate that three components including brand loyalty, brand awareness and brand equity compatibility on brand equity of Mellat bank branches in Mazandaran province are in desirable level but the effect of perceived quality indicator on brand equity of Mellat Bank is not desirable. The study provides necessary suggestions to improve the quality of services for the proposed case study.

Mobile Application Monitoring Pengisian Uang Anjungan Tunai Mandiri PT Bank Mandiri Cabang Palembang

Directory of Open Access Journals (Sweden)

Usman Ependi

2017-05-01

Full Text Available Bank Mandiri Cabang Palembang merupakan bank yang mengedepankan kepuasan pelanggan. Salah satu pelayanan yang ada berupa pelayanan anjungan tunai mandiri (ATM yang menjadi ujung tombak dalam pendistribusian uang tunai kepada nasabah. Namun kendala yang saat ini muncul adanya proses yang kurang efisien dalam bidang penjadwalan dan monitoring pengisian uang pada ATM yang dimiliki. Kurang efisiennya proses tersebut meliputi proses pembuatan jadwal pengisian dan petugas pengisian yang masi menggunakan cara konvensional seperti perekapan melaui Microsoft exel dan dalam bentuk jadwal cetak. Sesuai kondisi tersebut maka dalam penelitian ini dibuat mobile application sebagai alat bantu dalam penjadwalan dan monitoring pengisian uang ATM. Mobile application yang dihasilkan telah dikembangkan secara sistematis dan terstruktur menggunakan metode pegnembangan mobile-D. selain  itu juga mobile applicatioan tersebut telah dilakukan pengujian sebagai langkah akhir pegnembangan dan dinyatakan layak (dapat diterima sehingga dapat dijadikan oleh Bank Mandiri Cabang Palembang sebagai alat bantu dalam proses penjadwalan dan monitoring pengisian uang ATM

Market Structure, Financial Dependence and Industrial Growth: Evidence from the Banking Industry in Emerging Asian Economies

Science.gov (United States)

Khan, Habib Hussain; Ahmad, Rubi Binit; Gee, Chan Sok

2016-01-01

In this study, we examine the role of market structure for growth in financially dependent industries from 10 emerging Asian economies over the period of 1995–2011. Our approach departs from existing studies in that we apply four alternative measures of market structure based on structural and non-structural approaches and compare their outcomes. Results indicate that higher bank concentration may slow down the growth of financially dependent industries. Bank competition on the other hand, allows financially dependent industries to grow faster. These findings are consistent across a number of sensitivity checks such as alternative measures of financial dependence, institutional factors (including property rights, quality of accounting standards and bank ownership), and endogeneity consideration. In sum, our study suggests that financially dependent industries grow more in more competitive/less concentrated banking systems. Therefore, regulatory authorities need to be careful while pursuing a consolidation policy for banking sector in emerging Asian economies. PMID:27490847

Market Structure, Financial Dependence and Industrial Growth: Evidence from the Banking Industry in Emerging Asian Economies.

Directory of Open Access Journals (Sweden)

Habib Hussain Khan

Full Text Available In this study, we examine the role of market structure for growth in financially dependent industries from 10 emerging Asian economies over the period of 1995-2011. Our approach departs from existing studies in that we apply four alternative measures of market structure based on structural and non-structural approaches and compare their outcomes. Results indicate that higher bank concentration may slow down the growth of financially dependent industries. Bank competition on the other hand, allows financially dependent industries to grow faster. These findings are consistent across a number of sensitivity checks such as alternative measures of financial dependence, institutional factors (including property rights, quality of accounting standards and bank ownership, and endogeneity consideration. In sum, our study suggests that financially dependent industries grow more in more competitive/less concentrated banking systems. Therefore, regulatory authorities need to be careful while pursuing a consolidation policy for banking sector in emerging Asian economies.

Mobile Payments : Comparison of Mobile Wallet Concepts

OpenAIRE

Narayan, Srikant

2013-01-01

Mobile payments are an emerging trend and an alternative to traditional payment methods. Mobile payments involve the usage of the mobile phone to handle credit transfers during purchase of goods and peer to peer money transfers referred to as mobile wallet service, instead of depending on bank cards and cash. In this scenario, while the mobile wallet industry still being in its infancy there exist a few drivers of mobile wallet solutions aiming to create a de-facto standard in the mobile mark...

The Changing Landscape Of The Indian Banking Industry: An Empirical Study

OpenAIRE

Sivakumar Venkataramany; Balbir B. Bhasin

2012-01-01

While global financial deregulation has led to liberalization of financial services and thus to modernization of commercial banking, industrialized economies are facing a financial meltdown. The health of the major global banking industry is under severe stress, but India continues to be strong. Despite cost prohibitive efforts in the introduction of a range of new products and services, banks in India are striving to emerge from an era of development banking into consumer-oriented supermarke...

Determinants of Customer Satisfaction of Banking Industry in Bangladesh

Directory of Open Access Journals (Sweden)

Mohammed Belal Uddin

2012-12-01

Full Text Available This study aims to investigate, through the development and operationalized constructs of service quality, service charge, perceived value, and customer satisfaction; customersatisfaction and its determinants of the banking industry in Bangladesh. An exploratory factor analysis and structural equation modeling was used to analyze data. Measurement model and structural model indicate that service quality and fair service charge both havepositive direct impact on customer satisfaction in a mass service industry (i.e., banking industry. It was further observed that they also have indirect influence on customer satisfaction through perceive value, i.e. perceived value has mediating role betweenquality, charge fairness and satisfaction. Bank managers are recommended to formulate operations and marketing strategies that focus on desires of customers to enhance level of satisfaction.

Much ado about nothing? Sustainability disclosure in the banking industry

OpenAIRE

Hummel, Katrin; Festl-Pell, Diana Brigitte

2015-01-01

This paper examines the sustainability disclosure in the banking industry with respect to potential greenwashing. We build a theoretical framework to assess the sustainability disclosure along materiali-ty criteria in the banking industry and apply this framework to the corporate sustainability reporting of two global systemically important banks. The results of our case study point toward the existence of greenwashing mainly in the most material area of the sustainability disclosure of our s...

Software-Based Visual Loan Calculator For Banking Industry

Science.gov (United States)

Isizoh, A. N.; Anazia, A. E.; Okide, S. O. 3; Onyeyili, T. I.; Okwaraoka, C. A. P.

2012-03-01

industry is very necessary in modern day banking system using many design techniques for security reasons. This paper thus presents the software-based design and implementation of a Visual Loan calculator for banking industry using Visual Basic .Net (VB.Net). The fundamental approach to this is to develop a Graphical User Interface (GUI) using VB.Net operating tools, and then developing a working program which calculates the interest of any loan obtained. The VB.Net programming was done, implemented and the software proved satisfactory.

The adoption of "transformational mobile banking" by the unbanked

DEFF Research Database (Denmark)

Tobbin, Peter Ebo

2012-01-01

Whereas the number of people using mobile phones grows tremendously across the developing world, the number of people having a bank account is still very low. A recent report shows that over half the population of the world is unbanked, a majority of which are rural dwellers in the developing world....... The primary aim of this exploratory study is to examine whether or not m-banking services can be transformational. During the study, an extensive review of the literature on the unbanked and the adoption of m-banking services was conducted. This was followed by a focus group discussion which was conducted...... among the unbanked rural dwellers in Ghana. The current study concludes that the transformational potential of m-banking could be realised if beyond access, the other barriers to having a bank account, which include affordability, trust, convenience and documentation are addressed effectively in its...

Validation of a mobility item bank for older patients in primary care.

Science.gov (United States)

Cabrero-García, Julio; Ramos-Pichardo, Juan Diego; Muñoz-Mendoza, Carmen Luz; Cabañero-Martínez, María José; González-Llopis, Lorena; Reig-Ferrer, Abilio

2012-12-05

To develop and validate an item bank to measure mobility in older people in primary care and to analyse differential item functioning (DIF) and differential bundle functioning (DBF) by sex. A pool of 48 mobility items was administered by interview to 593 older people attending primary health care practices. The pool contained four domains based on the International Classification of Functioning: changing and maintaining body position, carrying, lifting and pushing, walking and going up and down stairs. The Late Life Mobility item bank consisted of 35 items, and measured with a reliability of 0.90 or more across the full spectrum of mobility, except at the higher end of better functioning. No evidence was found of non-uniform DIF but uniform DIF was observed, mainly for items in the changing and maintaining body position and carrying, lifting and pushing domains. The walking domain did not display DBF, but the other three domains did, principally the carrying, lifting and pushing items. During the design and validation of an item bank to measure mobility in older people, we found that strength (carrying, lifting and pushing) items formed a secondary dimension that produced DBF. More research is needed to determine how best to include strength items in a mobility measure, or whether it would be more appropriate to design separate measures for each construct.

NetEnquiry--A Competitive Mobile Learning Approach for the Banking Sector

Science.gov (United States)

Beutner, Marc; Teine, Matthias; Gebbe, Marcel; Fortmann, Lara Melissa

2016-01-01

Initial and further education in the banking sector is becoming more and more important due to the fact that the regulations and the complexity in world of work and an international banking scene is increasing. In this article we provide the structures of and information on NetEnquiry, an innovative mobile learning environment in this field,…

Relationship between competition and efficiency in the Czech banking industry

Directory of Open Access Journals (Sweden)

Iveta Řepková

2013-01-01

Full Text Available The aim of the paper is to estimate the relationship between competition and efficiency in the Czech banking industry in the period 2001–2010. The theoretical definition and literature review of the relationship between banking competition and efficiency is included. Lerner index and Data Envelopment Analysis were used to estimate the degree of competition and efficiency in the Czech banking sector. The market structure of the Czech banking industry was estimated as a monopolistic competition and it was found a slight increase in the competition in the banking sector. The efficiency of the Czech banks increased in the analysed period. Using a Johansen cointegration test, the paper contributes to the empirical literature, testing not only the causality running from competition to efficiency, but also the reverse effect running from efficiency to competition. The positive relationship between competition and efficiency was estimated in the Czech banking sector. These findings are in line with the Quiet Life Hypothesis and the suggestions that the increase of the competition will contribute to efficiency.

An investigation on loyalty formation model in e-banking customers: A case study of banking industry

OpenAIRE

Mahmood Reza Esmaeili; Amir Hooshang Nazarpoori; Masumeh Najafi

2013-01-01

E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with...

Capital adequacy of the banking industry in Indonesia

Directory of Open Access Journals (Sweden)

Sri Murtiyanti

2015-10-01

Full Text Available This study analyzes the relationship between credit risk and profitability on the capital adequacy ratio (CAR of commercial banks in Indonesia. The empirical model result shows that credit risk and profitability performance altogether significantly influence the capital adequacy ratio (CAR. Partially, the variables that significantly influence the CAR are the characteristics and complexity of the bank group. This study also suggests that the pace towards the long-term balance is, in general, less than one year. Capital ratio in the banking industry is 8%, indicating the bank has set aside to anticipate the impact of external factors as well as to comply with Bank Indonesia Regulation Number 15/12/PBI/2013.

PREVIOUS DEVELOPMENTS AND THE CURRENT SITUATION IN THE TURKISH BANKING SECTOR, FOREIGN ENTRY AND ITS REFLECTIONS ON THE NATIONAL BANKING INDUSTRY

Directory of Open Access Journals (Sweden)

Aytac GOKMEN

2009-01-01

Full Text Available The banking industry possesses a unique property that is unlike to other sectors with respect to supplying liquidity and financial strength for the economy and transaction operations However, despite their significance, banking industries in the world are subject to various crises and foreign interventions that could affect the financial industry negatively. This study describes the background of the Turkish Banking Sector, explains the reasons for the three major crises it was subjected to in 1994, 2001 and 2002 that resulted from numerous factors such as insufficient implementation of regulations, inadequate depth of the capital markets, lack of assessment of risk, inadequate managerial applications and excessive lending to incorporated institutions. The study also dwells on the restructuring process that has been continuing for more than two decades, reasons of foreign entry to the Turkish Banking Industry, as well as explains the reflections of foreign entry on the national banking industry depending on various comprehensive and credible national and international publications.

Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines

Directory of Open Access Journals (Sweden)

Jason Lim Chiu

2017-08-01

Full Text Available Purpose - This paper aims to assess the direct effects of antecedents of initial trust, the mediating effect of trust and the moderating effect of demographic variables on non-adopters’ behavioral intention to use mobile banking. Design/methodology/approach - The study tested the models of theory of reasoned action and theory of planned behavior to evaluate potential antecedents of trust (diffusion of trust, infrastructure quality, perceived costs, privacy and security moderators (demographic variables and mediators (initial trust that will influence behavioral intention to use mobile banking. The Hayes’ Process Macro developed by Andrew F. Hayes (2013 was used as a statistical analysis in SPSS to estimates the path coefficients using multiple regression. The tool provides insights on the direct and indirect effect of the independent variable on the dependent variable through the existence of moderating variables and mediation variables. Findings - The results show that the non-adopters of mobile banking asserted that the antecedents of initial trust played a significant influence on behavioral intention to use online banking services. Originality/value - There is a dearth of literature addressing mobile banking in the Philippines. The first initial trust formation in internet banking using computer workstations and laptops in the Philippines was conducted by Chiu et al. (2016. This research fills in the gap by expanding and formulating a deeper understanding of the antecedents of initial trust that influence consumer behavioral intention that might be responsible for the slow diffusion of mobile banking services in the country. The results from this study will help financial institutions create a beneficial connection with consumers while alleviating the fears of non-adopters and enhancing their understanding of the benefits of mobile banking.

Wetland mitigation banking for the oil and gas industry: Assessment, conclusions, and recommendations

Energy Technology Data Exchange (ETDEWEB)

Wilkey, P.L.; Sundell, R.C.; Bailey, K.A.; Hayes, D.C.

1994-01-01

Wetland mitigation banks are already in existence in the United States, and the number is increasing. To date, most of these banks have been created and operated for mitigation of impacts arising from highway or commercial development and have not been associated with the oil and gas industry. Argonne National Laboratory evaluated the positive and negative aspects of wetland mitigation banking for the oil and gas industry by examining banks already created for other uses by federal, state, and private entities. Specific issues addressed in this study include (1) the economic, ecological, and technical effectiveness of existing banks; (2) the changing nature of local, state, and federal jurisdiction; and (3) the unique regulatory and jurisdictional problems affecting bank developments associated with the oil and gas industry.

A Secure Mobile-Based Authentication System for e-Banking

Science.gov (United States)

Rifà-Pous, Helena

Financial information is extremely sensitive. Hence, electronic banking must provide a robust system to authenticate its customers and let them access their data remotely. On the other hand, such system must be usable, affordable, and portable. We propose a challenge-response based one-time password (OTP) scheme that uses symmetric cryptography in combination with a hardware security module. The proposed protocol safeguards passwords from keyloggers and phishing attacks. Besides, this solution provides convenient mobility for users who want to bank online anytime and anywhere, not just from their own trusted computers.

Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

Science.gov (United States)

Barsky, Carl

This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

The Development of a Mobile Application in a Collaborative Banking System

Directory of Open Access Journals (Sweden)

Cristian CIUREA

2010-01-01

Full Text Available This paper presents a taxonomy of mobile applications with accent on collaborative mobile applications. The development of mobile applications is described in comparison with the other types of informatics applications. Collaborative banking systems are presented in order to create the context in which the Collaborative Multicash Servicedesk (CMS application will be integrated. The mobile applications are analyzed as auto-adaptive applications in order to reveal their advantages. Some metrics are built for evaluating the security and quality of Collaborative Multicash Servicedesk application.

The application of holistic risk management in the banking industry

OpenAIRE

2008-01-01

The banking industry in South Africa is facing three main challenges, namely: continuous change, foreign competition, and increasing levels of risk. These problems flow mainly from cultural diversity, globalisation, and rapid technological development in systems and communication. Decreasing predictability stems to a great extent from a lack of foreknowledge of how globalisation will develop, and how it can influence the South African banking industry in general and holistic risk management (...

Pengaruh Current Industry Relative Performance, Future Industry Relative Performance Dan Leverage Terhadap Praktik Manajemen Laba (Studi Komparasi Tiga Bank Konvensional Dan Tiga Bank Syariah

Directory of Open Access Journals (Sweden)

Surya Wahyudi

2014-03-01

Full Text Available Penelitian ini merupakan penelitian deskriptif qualitative yang bertujuan untuk mengetahui ada tidaknya pengaruh dari Current Industry Relative Performance (CRP, Future Industry Relative Performance (FRP dan Leverage (DEBT terhadap praktik manajemen laba pada Perbankan Indonesia. CRP, FRP dan DEBT diukur dengan mengggunakan rasio keuangan. Manajemen laba diukur dengan menggunakan total akrual. Data yang digunakan adalah data sekunder dengan karakteristik data time series yang berupa laporan keuangan triwulan bank (BM, BRI, BSM, BMI, dan BSMI tahun 2004 sampai dengan 2008. Dengan menggunakan regresi berganda dengan taraf nyata 5%. Hasil penelitian menunjukkan bahwa pada bank konvensional berdasarkan Uji Simultan, peubah CRP, FRP dan DEBT mempengaruhi praktik manajemen laba (AD, sedangkan berdasarkan Uji Parsial, hanya peubah CRP dan DEBT yang mempengaruhi praktik manajemen laba. Pada bank syariah, berdasarkan uji Simultan, peubah CRP, FRP, dan DEBT tidak ada yang mempengaruhi praktik manajemen laba (AD, sedangkan berdasarkan Uji Parsial, peubah CRP, FRP dan DEBT tidak mempengaruhi praktik manajemen laba.JEL Classification : G21, M12, M40Kata kunci : Current Industry Relative Performance (CRP, Future Industry Relative Performance (FRP, Leverage (DEBT, Manajemen Laba (Accrual Discretionary

Identifikasi Pembayaran Bergerak (Mobile Payment) yang Mengganggu (Disruptive) di Indonesia

OpenAIRE

Mawarrini, Robertta Indira

2017-01-01

This research aims to identify disruptive mobile payment in Indonesia. Mobile payment as a sector of financial technology is enabling the lifestyle transformation of electronic banking. The future of retail banking is a smartphone experience that gladden and customers also aspire for a “bank in my pocket”. Mobile payment as the second sector most likely to be disrupted in the intersection of finance and technology industry. The promising approach of disruptive innovations is proposed by Profe...

Teoria do Comportamento Planejado Decomposto: Determinantes de Utilização do Serviço Mobile Banking Decomposed Theory of Planned Behavior: DETERMINANTS OF SERVICE MOBILE BANKING

Directory of Open Access Journals (Sweden)

Deborah Oliveira Santos

2011-03-01

Full Text Available Este trabalho buscou reconhecer os antecedentes que explicam a intenção dos clientes bancários em adotar o mobile banking e optou-se por testar a Teoria do Comportamento Planejado Decomposto (TAYLOR e TODD, 1995. A operacionalização deste estudo ocorreu em duas fases. Na fase exploratória, realizaram-se entrevistas e sessões de grupo de foco. Na fase descritiva, de natureza quantitativa, buscou-se a validação do modelo a partir de uma amostra de 515 clientes bancários. Nesta etapa, a técnica estatística multivariada de modelagem de equações estruturais foi usada no tratamento dos dados. As relações entre os construtos do modelo encontraram apoio na análise de dados. Os resultados apontaram para a validade do modelo, entretanto, sinalizaram a necessidade de algumas alterações. Verificou-se que variações na atitude e segurança explicam 74% da variação de intenção em utilizar o mobile banking por parte dos respondentes. Percebeu-se que alguns construtos da teoria original não tiveram significante impacto na intenção comportamental e uma nova variável foi incluída no teste do modelo. Por fim, este trabalho também buscou testar a intenção como antecedente do comportamento real, e os construtos controle percebido e intenção atingiram um R2 de 0,28 na explicação da variação no comportamento real.This work has brought about the understanding of background that explains the intention of the bank clients accepting mobile banking - the self-service banking that is done by using a mobile channel - as a new way of interaction with the banks. In achieving this objective, it has developed a conceptual mark in respect of the advances in the information technology's field in the banking sector. Furthermore, it has been showed some patterns that explain the behaviour of the consumers in the using of innovation. Beyond the showed patterns, it has been chosen to be tested the Decomposed Theory of Planned Behaviour (TAYLOR and

A Qualitative Analysis Into The Strategic Priorities of The Indonesian Bank Industry

Directory of Open Access Journals (Sweden)

Siti Ridloah

2016-04-01

Full Text Available This research paper investigates present day strategic priorities employed by large (foreign exchange banks in Indonesian banking industry. The research used ‘idea networking’ of the mission statements of banks as the means to identifying a handful of priorities. The population comprised commercial banks in Indonesia. Foreign exchange banks in Indonesia were chosen as a sample of this study .The study was conducted in 2014. The research method utilized in this study is qualitative clustering through idea networking. In this method, the idea statements were extracted and linked to each other to produce diagrams resulting in clusters of statements that were generalized into priorities. The finding from this study is that Indonesian banks have six main priorities of “service excellence”, “prudent corporate governance”, “innovative”, “customer segmentation focus”, “professionalism” and “social responsibility”. This, undoubtedly, provides some insight into the potential threats to the Indonesian bank industry as well as an agenda for change.Penelitian ini mengkaji mengenai prioritas strategik pada bank-bank besar (valuta asing dalam industri perbankan Indonesia. Penelitian ini menggunakan ‘idea networking’ dari pernyataan misi bank sebagai sarana untuk mengidentifikasi beberapa prioritas. Populasi terdiri atas bank komersial di Indonesia. Bank valuta asing di Indonesia dipilih sebagai sampel penelitian ini. Penelitian ini dilakukan pada tahun 2014. Metode penelitian yang digunakan dalam penelitian ini adalah qualitative clustering melalui ‘ide networking’. Dalam metode ini, pernyataan ide diekstraksi dan dihubungkan satu sama lain untuk menghasilkan diagram yang menghasilkan kelompok pernyataan yang digeneralisasikan ke dalam prioritas. Temuan dari studi ini adalah bahwa perbankan Indonesia memiliki enam prioritas utama “pelayanan prima”, “tata kelola perusahaan yang bijaksana”, “inovatif”, �

Autonomous Industrial Mobile Manipulation (AIMM)

DEFF Research Database (Denmark)

Hvilshøj, Mads; Bøgh, Simon; Nielsen, Oluf Skov

2012-01-01

Purpose - The purpose of this paper is to provide a review of the interdisciplinary research field Autonomous Industrial Mobile Manipulation (AIMM), with an emphasis on physical implementations and applications. Design/methodology/approach - Following an introduction to AIMM, this paper investiga......Purpose - The purpose of this paper is to provide a review of the interdisciplinary research field Autonomous Industrial Mobile Manipulation (AIMM), with an emphasis on physical implementations and applications. Design/methodology/approach - Following an introduction to AIMM, this paper......; sustainability, configuration, adaptation, autonomy, positioning, manipulation and grasping, robot-robot interaction, human-robot interaction, process quality, dependability, and physical properties. Findings - The concise yet comprehensive review provides both researchers (academia) and practitioners (industry......) with a quick and gentle overview of AIMM. Furthermore, the paper identifies key open issues and promising research directions to realize real-world integration and maturation of the AIMM technology. Originality/value - This paper reviews the interdisciplinary research field Autonomous Industrial Mobile...

An Empirical Investigation on Mobile Banking Service Adoption in Rural Karnataka

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S. V. Krishna Kishore

2016-03-01

Full Text Available Government of India (GOI initialized financial inclusion campaign to quell exclusion. The campaign did not gain expected progress. Government employed technologies to speed up the process. Among banking technologies, mobile banking appeared as a possible solution for financial exclusion with wide mobile phone coverage. Inputs on rural people’s intention toward technologies for effective financial inclusion were essential. Technology adoption factors, performance expectancy, effort expectancy, social influence, attitude, perceived risk, and behavioral intention (BI, were short listed after literature review. Factors were subjected to reliability, exploratory factor analysis (EFA, multiple regression, and interaction analysis. Rural provinces in Karnataka state were surveyed. We used mixed sampling technique to reach 959 samples. Multiple regression–interaction analysis revealed age and gender moderated attitude’s path toward BI.

Motivation and Psychological Contract in the Singapore Private Banking Industry

OpenAIRE

Poh, Din Kiat

2008-01-01

This management project seeks to understand the sources of motivation and the types of psychological contracts prevalent amongst employees in Singapore's private banking industry. Singapore's private banking industry had seen tremendous growth in the last few years with the Government's push to make it the Switzerland of Asia. This growth has resulted in high demand for talent and high turnover rates. It is often said that money is not the key reason why people stayed motivated. Part of this ...

How customer satisfaction changes behavior: A case study of banking industry

Directory of Open Access Journals (Sweden)

Hossein Vazifedoost

2013-06-01

Full Text Available An increase on competition industry from one side and the need for customer retention on the other side in banking industry create necessary motivation to learn more about customer behavior. This paper investigated the relationship between seven perspectives of banking services and customers’ attitude towards changing behavior. The seven perspectives included how bank employees’ treat customers, service prices, how to promote and market synergies, place and time to serve customers, products, equipment and process. The proposed study was implemented in two Iranian banks called Mellat and Tejarat in city of Tehran, Iran. The results indicated that all components except one case, which was “how to promote and market synergies” had meaningful and negative relationship with customer behavior.

Adoption of financial innovation in the Ghanaian banking industry

African Journals Online (AJOL)

financial instruments, and the massive growth in information technology have fueled the growing ... positive effect on consumers' adoption of those innovations. Perceived ... coupled with virtually absolute control over their banking. Mobile ..... et al., 2006). Thus, these values suggest good internal consistency of the factors.

Proceedings of the New Mobility Industry Forum : a ground-breaking conference about the emerging new mobility industry

Energy Technology Data Exchange (ETDEWEB)

NONE

2004-07-01

New Mobility refers to a world-wide cluster of industries that are addressing emerging sustainable transportation needs in urban regions. New Mobility provides real life solutions for moving goods and people in ways that are integrated, clean, smart, service-oriented, safe and user-focused. This conference provided an opportunity for professionals with an interest in next generation transportation products to learn about the latest service, product, and technology developments in the global New Mobility Market. It also provided an opportunity to exchange ideas with a wide range of industry players on telecommunications, information technology, supply chain management, intelligent transportation systems, and transportation equipment. Some of the solutions that New Mobility promotes is to show businesses how they can gain competitive advantages by reducing unnecessary travel through smart growth development, telework-ready intelligent buildings and electronic conferencing. The 5 industry working sessions at this conference were entitled: integrated mobility systems; traveller information; Toronto's waterfront; transportation management association; and, urban green tourism. refs., tabs., figs.

Measuring relative performance of banking industry using a DEA and TOPSIS

Directory of Open Access Journals (Sweden)

Mohammad Hemmati

2013-02-01

Full Text Available One of the primary concerns in banking industry is to measure the relative importance of banking industry using popular multi criteria decision making (MCDM techniques such as data envelopment analysis (DEA and Technique for Order Preference by Similarity to Ideal Solution (TOPSIS. In this paper, we use these two MCDM techniques to measure the relative efficiencies of 16 private and governmental banks in terms of electronic payment. There are three inputs with DEA methods including the number of issued cards, the number of ATM machines and the number of POSs and there are two outputs including the number of successful ATMs and the number of successful POSs transactions. The proposed study of this paper uses the necessary data of one of Iranian provinces and the results of the implementation of DEA and TOPSIS have indicated that 9 out of 16 banks were efficient. Our study also indicates that mean of relative efficiency for private banks was 82% while this number was 75% for governmental banks.

Product Diversification in the European Banking Industry: Risk and Loan Pricing Implications

OpenAIRE

Lepetit , Laetitia; Nys , Emmanuelle; Rous , Philippe; Tarazi , Amine

2005-01-01

The purpose of this paper is to investigate the relationship between bank risk and product diversification in the changing structure of the European banking industry. Based on a broad set of European banks for the period 1996-2002, our study shows that banks expanding into non-interest income activities present higher risk than banks which mainly supply loans. Whereas previous studies (mainly on U.S. banks) focused on portfolio diversification effects we explore risk implications of cross-sel...

Do professional norms in the banking industry favor risk-taking?

OpenAIRE

Cohn, Alain; Fehr, Ernst; Maréchal, Michel André

2017-01-01

In recent years, the banking industry has witnessed several cases of excessive risk-taking that frequently have been attributed to problematic professional norms. We conduct experiments with employees from several banks in which we manipulate the saliency of their professional identity and subsequently measure their risk aversion in a real stakes investment task. If bank employees are exposed to professional norms that favor risk-taking, they should become more willing to take risks when thei...

Potential exposures in mobile industrial radiography

International Nuclear Information System (INIS)

Tauhata, L.; Leocadio, J.C.; Crispim, V.R.

2000-01-01

The radiation protection conditions of the mobile or open industrial radiography facilities were analyzed in the period from 1992 to 1996 to estimate the value of the potential exposure risk, the mean annual dose and the dose distribution function of the workers. To estimate the potential exposure the concepts described in ICRP 64 and Safety Series 104 were used. The annual mean value of abnormal events occurred in the operations of to remove and to retract the radioactive source of exposure device recorded in data bank of National Commission of Nuclear Energy (CNEN), in a period of 5 years, were used to obtain the risk value. To evaluate the worker exposures, data obtained by accompaniment the radiographic testing in 5 installations, representative of all radiographic facilities in Brazil and the data bank of CNEN were used. To obtain the statistical dose distribution data from individual monitoring of the workers of these installations were used, data from additional individual monitoring and data bank of CNEN. The absorbed mean dose value in the period from 1992 to 1996 maintained about 0.2 mSv/year like as in the period from 1990 to 1994, with a maximum value of 0.55 mSv/year in 1988. The statistical distribution in a period from January to December 1996, behavior likes as long-normal type. The estimated risk value for potential exposure was 4x10 -6 per year, in the period from 1992 to 96. Using the data bank of CNEN, in a period from 1976 to 1992, the estimate value was 6.6x10 -6 per year, using the same methodology. The comparison of the failed operation probability value of operator/device/local system, in a period from 1976 to 1992 and in 1996, shows an increasing of 0.5x10 -11 to 1.1x10 -11 per year, due mainly to the radiographic device and accessories become oldest, in spite of maintenance care. However, due to the radiation procedure improvements, the potential risk value reduced about 40%, that is from 6.6x10 6 to 4x10 -6 per year. (author)

Relationship Marketing Stage of Development in Romanian Banking Industry

Directory of Open Access Journals (Sweden)

Alina Filip

2016-02-01

Full Text Available The paper emphasizes the relationship marketing stage of development within the banking industry in Romania, by identifying the extent to which business objectives and marketing strategies of companies are customer oriented. In order to achieve this aim a qualitative marketing research was conducted, by applying in-depth semi-structured interviews. The target group of the research consisted of nine banking companies, selected according to the market share, while the research participants were employees responsible for marketing, sales and customer relationship management activities. Due to respondents’ expertise, during the interviews could be applied mixed research methods in the process of data collection and subsequently, in data analysis. According to research objectives and results, although there is an increase in the importance of customer orientation within banking policies, the integration of relationship marketing optics at the institutional management level is facing a number of deficiencies, especially with regard to the concerns about employees’ satisfaction and loyalty or to the development of relationships with other stakeholders. The degree of satisfaction with the adoption of customer relationship management technology is relatively high among banks, being appreciated mainly those banking performance achieved in terms of retention rate, cross-selling and customer satisfaction. Most banks use the gross customer retention index as the main indicator of customer portfolio stability, although retention objectives tend to be set differently depending on customer value. Internal marketing strategies are developed around staff training processes, while performance evaluation criteria are rather specific to a transactional marketing approach. Results of the research provide clues on the relationship marketing processes and activities that need to be improved, in order to strengthen the current customer base and the competitive

Electronic fraud (cyber fraud risk in the banking industry, Zimbabwe

Directory of Open Access Journals (Sweden)

Shewangu Dzomira

2014-06-01

Full Text Available The paper explores forms of electronic fraud which are being perpetrated in the banking industry and the challenges being faced in an attempt to combat the risk. The paper is based on a descriptive study which studied the cyber fraud phenomenon using content analysis. To obtain the data questionnaires and interviews were administered to the selected informants from 22 banks. Convenience and judgemental sampling techniques were used. It was found out that most of the cited types of electronic fraud are perpetrated across the banking industry. Challenges like lack of resources (detection tools and technologies, inadequate cyber-crime laws and lack of knowledge through education and awareness were noted. It is recommended that the issue of cyber security should be addressed involving all the stakeholders so that technological systems are safeguarded from cyber-attacks

A Simple Stress Test on Indonesian Islamic Banking Industry

Directory of Open Access Journals (Sweden)

Dece Kurniadi

2018-02-01

Full Text Available The purpose of this study is to conduct a stress test on Indonesian Islamic Banking industry in order toassess the capability of the industry to absorb the extreme risks that may happen in the future. Using data from April 2008 to September 2014, the study employs balance sheet approach in performing the stress test on profitability and capital position and the value at risk technique for liquidity stress test. The results of this study show that in term of profitability, Islamic banks in Indonesia are immune from losses if the default rate (Non-Performing Loan is less than 8.5 %. If the industry can improve the profit margin, the resistance will be higher.In term of capital position, by assuming loss given default (LGD is constant at 40%, the industry will not go bankrupt if probability of default (PD is less than 9%. If the PD is more than 9%, total expected loss is more than available capital. Using the value at risk (VaR at 99% confidence, the study finds that possible deposit flight will not exceed IDR 26 trillion and the liquid asset available is IDR 28 trillion. The study concludes that there is no liquidity threat for Islamic banks in Indonesia. The findingsalso uncover the risky condition that even though the capital adequacy ratio (CAR is on average 14%, real capital measured by Equity to total asset (ETA is only 5.4%

Community Perception of the Security and Acceptance of Mobile Banking Services in Bahrain: An Empirical Study

OpenAIRE

Ahmad S. Mashhour; Zakarya Saleh

2015-01-01

Bahraini banks and financial organizations have applied remote enabled service using the internet and a mobile device to increase efficiency, reduce costs and improve quality of services. There is need for these organizations to identify factors that persuade customers and raise their attitudes towards adoption and usage of these services. This study identifies the most important factors affecting customer attitudes towards mobile banking acceptance in Bahrain. The model formulated in this re...

Mobile social money: an exploratory study of the views of managers of community banks

Directory of Open Access Journals (Sweden)

Eduardo Henrique Diniz

Full Text Available Abstract This article aims to evaluate the adoption potential of a digital social currency model using mobile phones. Despite the significant literature concerning both social currencies and mobile payments, there are few studies with a focus on social currencies being operationalized via mobile payments. An important aspect of the literature on mobile payments and social currencies is the role that both instruments may play in the financial inclusion. Despite the absence of lasting experiences for an empirical analysis in Brazil, we believe that there may be synergy between these two types of payment instruments. To evaluate the potential of a mobile digital social currency, we conducted interviews with community bank managers, focusing on their perceptions of acceptance of this innovative model in their communities. As a theoretical basis, we articulated the concept of transformational framing, originated from the perspective of interpretive frames of collective action. As a result, we identified a transformational discourse by which community bank managers create new meanings and understandings of this emerging payment system model.

Sustainable business model archetypes for the banking industry

NARCIS (Netherlands)

Yip, Angus W. H.; Bocken, N.M.P.

2018-01-01

Sustainable business model innovation is increasingly viewed as a lever for systems change for sustainability across businesses and industries. Banks hold a unique intermediary role in sustainable development, but also have a difficult position after the 2008 financial crisis. This paper aims to

Investment Appraisal Process in the Banking & Finance Industry

NARCIS (Netherlands)

M.M. Akalu; J.R. Turner (Rodney)

2002-01-01

textabstractWe have studied how the banking and finance industry performs investment appraisal, measures subsequent follow-up and designates project success or failure. Furthermore, the authors looked into the extent of use of the new generation value management models. The result shows that firms

An Industrial-Organization Approach to Money and Banking

OpenAIRE

Gunji, Hiroshi; Miyazaki, Kenji

2016-01-01

In this paper, we study the effect of conventional interest rate policy, quantitative easing and the reserve accounts’ interest rate on the money stock in an industrial-organization model of the banking industry with money creation. Our main findings are as follows. First, under a plausible setting of the parameters, the model with money creation supports the liquidity puzzle, in which tight monetary policy increases the money stock. Second, quantitative monetary easing has a similar effect. ...

Competitive Strategy of Banking Industry (Studies in Bengkulu Province

Directory of Open Access Journals (Sweden)

Syaiful Anwar AB

2015-12-01

Full Text Available The purpose of this study examines the competitive strategies tested the banking industry in the province of Bengkulu. Issues raised in this study is the extent the competitive strategy of banking and can ultimately increased customer. The aim to be achieved is to know what strategies can be applied. The analysis tool is to use qualitative paradigm mapping descriptive with banks in the province of Bengkulu with cluster analysis. Data collection method used in this study was secondary data collection and in-depth interviews. The results of this study conducted that the application of competitive strategy of Bank Rakyat Indonesia, Bank Mandiri, Bank Bengkulu and market penetration strategy was by opening a branch office network and cash office assistant sub-district area are yielded  positive results. From the aspect of services offered, the customer feels that the diversification of services has been able to meet customer needs. The aspect of competitive strategy, distribution aspects of a positive assessment, especially the ease of access, is felt more quickly. Customers feel that the branch offices is still lack, particularly for the Bank are classified as market followers. Customers feel that the promotion is still lacking, particularly those Bank whose branches or cash office in the area. The  strategy  that may be used is a segmentation strategy, developing target market, and positioning.

Risk Contagion in Chinese Banking Industry: A Transfer Entropy-Based Analysis

Directory of Open Access Journals (Sweden)

Jianping Li

2013-12-01

Full Text Available What is the impact of a bank failure on the whole banking industry? To resolve this issue, the paper develops a transfer entropy-based method to determine the interbank exposure matrix between banks. This method constructs the interbank market structure by calculating the transfer entropy matrix using bank stock price sequences. This paper also evaluates the stability of Chinese banking system by simulating the risk contagion process. This paper contributes to the literature on interbank contagion mainly in two ways: it establishes a convincing connection between interbank market and transfer entropy, and exploits the market information (stock price rather than presumptions to determine the interbank exposure matrix. Second, the empirical analysis provides an in depth understanding of the stability of the current Chinese banking system.

The effect of customer relationship management on customer loyalty: Evidence from banking industry

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Hadi Hajiyan

2015-11-01

Full Text Available Measuring customer satisfaction in banking industry plays essential role for increasing market share and profitability. In this paper, we present an empirical investigation to measure the effect of customer relationship management (CRM on customer loyalty in Iranian banking industry. The study aims to understand whether implementation of a good CRM could increase the quality of services. The study designs a questionnaire in Likert scale and distributes it among 65 selected customers who do their banking activities with Bank Melli Iran in city of Semnan, Iran. Cronbach alpha has been calculated as 0.939, which is well above desirable level. Using t-student test, the study has determined that implementation of CRM could increase customer loyalty and quality of services.

Fraud and Fraudulent Practices in Nigeria Banking Industry ...

African Journals Online (AJOL)

The paper reviews the various forms of fraudulent practice their impact and inducement for various reforms in banking industry. It also mentions various legislations targeted at reducing fraud and introducing some forms of control and reporting systems. Various theories of fraud are examined and detailed analysis of various ...

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

IT Security Management Implementation Model in Iranian Bank Industry

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Mona Vanaki

2017-06-01

Full Text Available According to the complexity and differences between Iranian banks and other developed countries the appropriate actions to implement effective security management of information technology have not been taken. The aim of this study was to create a powerful model by selecting the appropriate security controls to protect information assets in the bank. In this model, at first the principle set fort in ISO standard 27001, was extracted and then by further studies derived from best practices carried out in the world on the related subject from 2008 to 2016 using a qualitative descriptive method, points comply with information security management in the banking industry were added to it. With the study of Iranian banks in dealing with IT security management system and with help of action research tools, provisions which prevent the actual implementation of this standard was removed and finally a conceptual model with operating instructions and considering all the principles of information security management standard, as well as banking institutions focusing on the characteristics of Iran was proposed.

Factors influencing Sudanese microfinance intention to adopt mobile banking

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Anwar Ammar

2016-12-01

Full Text Available Access to financial service has become a key phenomenon for economic development and poverty alleviation .Microfinance is one way of fighting poverty in Sudan, where most citizens are in need of it. However, despite the initial results showing a positive impact of microfinance on the livelihood of low-income people in Sudan, around 8 million of the Sudanese poor people are excluded from microfinance services. One potential remedy for the limited outreach of microfinance in Sudan may lie within enhancing the capacity of microfinance services providers (MFPs in the utilization of modern technology. Recent innovation in providing financial services in a convenient and efficient way is the use of mobile banking (m-banking technology in microfinance. M-banking promises to increase the efficiency and outreach of microfinance services in developing countries. This paper tries to examine the factors that influence the adoption of m-banking by microfinance sector in Sudan. In this respect, hypotheses were developed guided by Unified Theory of Acceptance and Use of Technology (UTAUT and Technology-organization-Environment (TOE models. Primary data were collected from MFPs and microfinance customers in Sudan using questionnaires and interviews. The study contributes to knowledge in terms of methods used by extending aforementioned theories through adding new variables to both models by putting both models in one study to fill the gaps in past studies; via examination of the demand (customers and supply (institutions through modifying them to include new variables related to m-banking in microfinance.

Spin-off and market share in the Indonesian Islamic banking industry: a difference in difference analysis

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Al Arif M. Nur Rianto

2017-12-01

Full Text Available According to The Act No. 21 of 2008 concerning Islamic Banking in Indonesia, the conventional banks are obligated to spun-off their Islamic business units after achieving a certain set of requirements. The spin-off requirements are: (i reach 50% market share asset of its parents; or (ii 15 years after the implementation of the Islamic Banking Act. This study emphasizes the impact of Islamic banks' spin-off on market share. The method used in this study is a difference in difference analysis. This technique is a quasi-experiment separate into two groups, such as the treatment groups (four spin-offs' banks and control group (two fullfledged Islamic banks. This study used quarterly data from 2005 until 2016. The results show that, first, there is a difference in the Islamic banks' market share between pre- and post-spinoff. Second, there is a difference in the market share of spin-offs' banks between pre- and postspin- off. Third, there are there external factors that can affect the Islamic banks' market share, i.e., inflation rate, interest rate, and economic growth rate. The paper is a useful source of information that may provide relevant guidelines in helping the future development of spin-off activity in Islamic banking industry. The finding could be helpful for policymakers to create a supporting strategy to accelerate the development of Islamic banking industry. This result also could be of use for Islamic banking industries in other countries.

Supervision in banking industry

OpenAIRE

Šmída, David

2012-01-01

The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

A study on relationship between tail risk on earning management in Iranian banking industry

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Mohammad Khodaei Valahzaghard

2013-02-01

Full Text Available Risk management plays an important role in banking industry and there are literally many investigations to reduce any risk components in this industry. In this paper, we present a study on relationship between tail risk on earning management in Iranian banking industry. In this survey, we use two series of data. The first set is associated with yearly information of 19 different banks over the period 2005-2011 and it contains 114 observations. The second set of data includes weekly historical data of eight banks over the same period 2005-2011. In this survey, there are four objectives to be investigated. The first hypothesis considers the effects of seven independent variables on loan loss allowance as a fraction of total loans. The second model is associated with the effects of two independent variables on realized gains and losses on securities. The third objective is to study the effects of different independent variables with various interruptions on return of banking sectors. Finally, the last model investigates the effects of revenue management on tail risk. The result of this survey indicates that there is no relationship between tail risk and earning management.

The role of the Industrial Bank of Japan in financing gas projects

International Nuclear Information System (INIS)

Kajiwara, Yasushi

1991-01-01

This paper concerns liquefied natural gas projects, or LNG projects for short, and more specifically, how the Industrial Bank of Japan, IBJ, as a private bank has been involved in many projects, and how the bank has solved a range of problems encountered in the process of financing such projects. After that, the author's personal views are expressed on how to tackle the future development of LNG, an energy source that will become increasingly important in the future

Managing Customer Loyalty in the Digital Era of the Banking Industry

OpenAIRE

Ibegbulem, Anna; Andersson, Gabriella

2017-01-01

The Swedish banking industry is in the midst of digital disruption and face new EU directives, which may alter the financial market. It is believed that FinTech companies will play a significant role in shaping the future financial landscape and challenge traditional banking. The primary purpose of this thesis is to develop an understanding of how banks intend to manage customer loyalty given perceived market changes. The thesis seeks to answer the research question: What challenges related t...

Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

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Miranda Petronella VLAD

2012-11-01

Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

The Sources of Efficiency of the Nigerian Banking Industry: A Two- Stage Approach

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Frances Obafemi

2013-11-01

Full Text Available The paper employed a two-stage Data Envelopment Analysis (DEA approach to examine the sources oftechnical efficiency in the Nigerian banking sub-sector. Using a cross sectionof commercial and merchant banks, the study showed that the Nigerian bankingindustry was not efficient both in the pre-and-post-liberalization era. Thestudy further revealed that market share was the strongest determinant oftechnical efficiency in the Nigerian banking Industry. Thus, appropriatemacroeconomic policy, institutional development and structural reforms mustaccompany financial liberalization to create the stable environment requiredfor it to succeed. Hence, the present bank consolidation and reforms by theCentral Bank of Nigeria, which started with Soludo and continued with Sanusi,are considered necessary, especially in the areas of e banking and reorganizingthe management of banks.

P.C. disposal decisions: a banking industry case study

Science.gov (United States)

Shah, Sejal P.; Sarkis, Joseph

2002-02-01

The service industry and the manufacturing industry are interlinked in a supply chain situation. Part of the effectiveness of some manufacturing industry environmental performance based on remanufacturing and recycling is dependent on service industry decisions. In the information technology arena, personal computers (PCs) are the hard equipment of the service industry. The end-of-life decisions made by the service industry, and in this case the banking industry will have implications for the amount of systems within the waste or reverse logistics stream for manufacturers. Looking at some of the issues (and presenting a model for evaluation) related to decision making concerning end-of-life disposition for PCs is something this paper investigates. The analytical hierarchy process (AHP) is applied in this circumstance. The development of the model, its application, and results, provide the basis for much of the discussion in this paper.

Banking industry reform and consolidation in Nigeria: prospects and ...

African Journals Online (AJOL)

Banking industry reform and consolidation in Nigeria: prospects and challenges of adopting the Malaysian model. EJ Idolor, MG Ajao. Abstract. No Abstract. Nigeria Journal of Business Administration Vol. 6(1) 2004: 118-132. Full Text: EMAIL FULL TEXT EMAIL FULL TEXT · DOWNLOAD FULL TEXT DOWNLOAD FULL ...

An investigation on loyalty formation model in e-banking customers: A case study of banking industry

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Mahmood Reza Esmaeili

2013-03-01

Full Text Available E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with designing and explanation of loyalty formation model in e-banking. The preliminary results indicate that “satisfaction” is the most influential component affecting customer loyalty formation with an 87% diagnose coefficient. In addition, trust formation in customers may impact loyalty in an electronic environment with a 70% diagnose coefficient. Moreover, the most important factors impacting customer satisfaction include “reputation” “perceived value,” “service quality,” and “habit” with relative effects coefficients of 44%, 32%, 29%, and 26%, respectively. Finally, “reputation,” “service quality,” “habit” and “perceived value” have been the most important factors influencing customer trust with influence coefficients of 37%, 32%, 31%, and 24%, respectively.

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

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IMOLA DRIGĂ

2014-12-01

Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

Impact of Technological Innovations on Customers in an Emerging Banking Industry in Ghana

DEFF Research Database (Denmark)

Kofi Wireko, Joseph; Ameme, Bright

2016-01-01

. Whilst banks derive efficiency from these innovations, customers are however impacted with convenience and transaction costs offered by these innovative services and electronic activities. This study sought to understand the impact of these electronic banking services on customer satisfaction and related....... Whilst the study concluded that there is a significant relationship between customer satisfaction and technological innovations in the Ghanaian banking industry, it was revealed that the costs associated with technological innovations in banking have also increased transactions costs to the disadvantages......Without continuous technological innovations in today’s highly digital world, it will be extremely difficult for banks to remain relevant within the competitive landscape. Bank customers are also becoming very sophisticated and their demands drive the direction of these technological innovations...

Measurement of cost efficiency in the European banking industry

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Branka Tuškan

2016-04-01

Full Text Available In this paper we analysed and compared efficiency results in the banking industry using two different approaches: financial indicators and the Data Envelopment Analysis (DEA methodology. In the indicator-based approach, we used chosen accounting ratios (Return on Assets - ROA, Return on Equity – ROE and Cost to Income Ratio - CIR and the descriptive statistics methodology to conduct analysis. In the case of DEA, a nonparametric linear programming methodology approach, expenses as input data and income as output data are used for measuring efficiency using the CCR DEA model, BCC DEA model and window analysis DEA technique. The objective of this research is ascertain whether a correlation exists between the results of the different ways of measuring efficiency. In that sense, the main purpose of this research is to draw a more precise conclusion about the efficiency of the banking industry, as tested for the period 2008–2012 on a sample of 28 European banking systems. The main difference in the obtained results is a lag of values of average accounting ratios in comparison to the results of the DEA methodology. Such a finding suggests that the DEA methodology can be useful in detecting early signs of inadequate business strategies, which can lead to the slowdown of business activity or poorer efficiency results. This can be especially important in times of an unstable financial or macroeconomic environment, as it can assist in detecting early signs of a crisis. In general, the results of both approaches suggest that banking systems in post-transition countries have a higher cost efficiency. Such systems continue to be dominantly financed through long-term deposits and are also exposed to a specific risk. They do business in a specific competitive, financial and macroeconomic environment that significantly influences the prices of financial services (i.e. higher margins, and as a consequence, leads to potentially higher banking sector earnings.

Research on Dongguan Mobile Phone Industry Development Status from the Patent Perspective

OpenAIRE

Qiu Yu

2017-01-01

[Purpose/significance] Through the analysis of the patent of five Dongguan mobile phone industries, this paper aims at providing information references for the development of Dongguan mobile phone industry. [Method/process] This paper first introduced the basic information of the mobile phone industry in our country, selected Dongguan mobile phone industry patents as the research object, and analyzed overall development trend--the general situation and the trend of applicants, inventors and I...

Integration of Mobile Manipulators in an Industrial Production

DEFF Research Database (Denmark)

Madsen, Ole; Bøgh, Simon; Schou, Casper

2015-01-01

Purpose – The purpose of this study has been to evaluate the technology of autonomous mobile manipulation in a real world industrial manufacturing environment. The objective has been to obtain experience in the integration with existing equipment and determine key challenges in maturing...... reports from such a real-world industrial experiment with two mobile manipulators. Design/methodology/approach – In the experiment, autonomous industrial mobile manipulators are integrated into the actual manufacturing environment of the pump manufacturer Grundfos. The two robots together solve the task...... of producing rotors; a task constituted by several sub-tasks ranging from logistics to complex assembly. With a total duration of 10 days, the experiment includes workspace adaptation, safety regulations, rapid robot instruction and running production. Findings – With a setup time of less than one day...

Knowledge management and organizational innovativeness in Iranian banking industry

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Maryam Bidmeshgipour

2012-12-01

Full Text Available Knowledge management has changed its nature from theoretical concept to an instrument that assists innovativeness. The originality of this study lies in its purpose to explore issues of knowledge management and its relation to the innovativeness of organizations. The study focuses on three selected Iranian banks (in public and private sector, an industry and a setting that has received less attention by researches so far. This paper studies the effectiveness of managers’ mindset in leading or misleading the organizations to achieve organizational innovativeness through KM. Based on a questionnaire survey, the authors argue that applying knowledge management makes it simpler to achieve the innovativeness in organizations. What we found significant in this study is that employees, provided with appropriate training and mentoring opportunities to generate novel ideas, would create new services in banking. The mindset of bank managers about their human resources absorbs diversity of opinions and provides equal opportunity for all employees to present ideas.

Integrating ethical values into fraud triangle theory in assessing employee fraud: Evidence from the Malaysian banking industry

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Jamaliah Said

2017-06-01

Full Text Available This study attempts to integrate ethical values into the fraud triangle theory in the context of Malaysian banking industry. Primary data were collected through the survey of 108 questionnaires administered to the employees of the top three largest banks in Malaysia. The findings revealed that ethical values were negatively related to employee fraud, and two elements of fraud triangle theory, namely, opportunity and rationalization, were positively related to employee fraud. This implies that high ethical value is crucial to mitigate employee fraud. To minimize employee fraud, the banking industry should reduce opportunities and employee negative rationalization through strong internal control. This study contributes to literature on the occurrences of employee fraud, which is not widely discussed, especially in the context of the banking industry in developing countries.

Impact of CRM practices on service quality in the banking industry

Directory of Open Access Journals (Sweden)

Sana Hafeez

2017-06-01

Full Text Available The present study investigates the impact of customer relationship management practices on the service quality in the banking sector. CRM practices have been found to greatly influence not only the customer satisfaction and loyalty but also the quality of services provided by organization. The study focuses on three CRM practices of Attitude towards clients, Efficiency of banking services and Knowledge ability and their impact on the service quality. As customers are more aware about the services so they ensure service quality. Employee’s knowledge ability helps customers to gain experience that actually leads towards service quality and efficiency in services provided by the banks also help in service quality. The study used survey design and the sample consisted of 230 respondents. These respondents were customers of different banks in the city of Rawalpindi, Pakistan. The results indicate that knowledge ability of employees and attitude towards clients is having significant influence on service quality. However, CRM practice of Efficiency of banking services was found to be insignificant. The study has managerial implications for the banking industry. The study also provides future directions.

Credit risk assessment: Evidence from banking industry

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Hassan Ghodrati

2014-08-01

Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

The Development of Strategic Bank Lending Industries in the Context of Globalization

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Oksana Markovna Kramarenko

2015-09-01

Full Text Available It is shown that, in the context of globalization, improved credit support for strategic sectors of the economy (for example, shipbuilding can be achieved through the creation of a banking consortium based around leasing. A dialectical method of resolution of system tasks is selected as the methodological approach. Methods used include: comparative cost analysis of the strategic lending industry supporting the formation and development of a banking consortium; integrated method at the condition modeling of making and implementation of a lease agreement, which allowed to accommodate the interests for both parties of such agreement; optimization method to select the conditions of a lease agreement; classification and analytical method to clarify the classification of lease. The study proved and developed a plan of creation a banking consortium, including options of interaction of such consortium with potential customers based on a lease agreement. The process of functioning of the lease agreement in order to optimize it for both a bank consortium-lessor and a lessee is modeled. The significant advantages of leasing compared to the traditional lending for both parties of leasing, especially when ensuring long-term projects are summarized. The results of the research can be applied in the strategic lending industries development and can reduce the level of banking risks. Applying the results of the research in the social aspect can maintain and increase the number of jobs including the banking sector. The value of the work leis in the fact that the author has developed a new approach to achive the credit support for strategic sectors of the economy through the creation of the banking consortium based around leasing, which allows to protect the interests of both parties.

The relationship between liquidity risk and credit risk in Islamic banking industry of Iran

Directory of Open Access Journals (Sweden)

Hashem Nikomaram

2013-04-01

Full Text Available An integrated risk management is a process, which enables banks to measure and manage all risks, simultaneously. The recent turbulent chaos on banking industry has increase the relative importance of risk management, more than before. This paper investigates the relationship between credit risk and liquidity risk among Iranian banks. The proposed study includes all private and governmental banks as population over the period 2005-2012. The results Pearson correlation has disclosed a positive and meaningful relationship between credit and liquidity risks. Bank size also impacts on two mentioned risk factors but we there seems to be no relationship between financial chaos and type of ownership with risk factors.

PREDICTING CUSTOMER CHURN IN BANKING INDUSTRY USING NEURAL NETWORKS

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Alisa Bilal Zorić

2016-03-01

Full Text Available The aim of this article is to present a case study of usage of one of the data mining methods, neural network, in knowledge discovery from databases in the banking industry. Data mining is automated process of analysing, organization or grouping a large set of data from different perspectives and summarizing it into useful information using special algorithms. Data mining can help to resolve banking problems by finding some regularity, causality and correlation to business information which are not visible at first sight because they are hidden in large amounts of data. In this paper, we used one of the data mining methods, neural network, within the software package Alyuda NeuroInteligence to predict customer churn in bank. The focus on customer churn is to determinate the customers who are at risk of leaving and analysing whether those customers are worth retaining. Neural network is statistical learning model inspired by biological neural and it is used to estimate or approximate functions that can depend on a large number of inputs which are generally unknown. Although the method itself is complicated, there are tools that enable the use of neural networks without much prior knowledge of how they operate. The results show that clients who use more bank services (products are more loyal, so bank should focus on those clients who use less than three products, and offer them products according to their needs. Similar results are obtained for different network topologies.

RCSB PDB Mobile: iOS and Android mobile apps to provide data access and visualization to the RCSB Protein Data Bank.

Science.gov (United States)

Quinn, Gregory B; Bi, Chunxiao; Christie, Cole H; Pang, Kyle; Prlić, Andreas; Nakane, Takanori; Zardecki, Christine; Voigt, Maria; Berman, Helen M; Bourne, Philip E; Rose, Peter W

2015-01-01

The Research Collaboratory for Structural Bioinformatics Protein Data Bank (RCSB PDB) resource provides tools for query, analysis and visualization of the 3D structures in the PDB archive. As the mobile Web is starting to surpass desktop and laptop usage, scientists and educators are beginning to integrate mobile devices into their research and teaching. In response, we have developed the RCSB PDB Mobile app for the iOS and Android mobile platforms to enable fast and convenient access to RCSB PDB data and services. Using the app, users from the general public to expert researchers can quickly search and visualize biomolecules, and add personal annotations via the RCSB PDB's integrated MyPDB service. RCSB PDB Mobile is freely available from the Apple App Store and Google Play (http://www.rcsb.org). © The Author 2014. Published by Oxford University Press.

Object-Orientation is Evil for Mobile Games: Experience from Industrial Mobile RPGs

DEFF Research Database (Denmark)

Zhang, Weishan; Han, Dong; Kunz, Thomas

2007-01-01

Mobile gaming is playing an important role in the entertainment industry. Good performance is a critical requirement for mobile games in order to achieve acceptable running speed although mobile devices are limited by scarce resources. Object-oriented programming is the prevalent programming....... Therefore if developers are aiming for mobile game performance, we conclude that they should use as few OO features as possible. Structural programming can be a very competitive alternative....... paradigm and this is true for mobile game development as well. As the origin of object-orientation (OO) is not targeting the embedded software domain, there is suspicion as to OO's usability for embedded software, especially with respect to mobile games. Questions arise like how OO and to what degree OO...

Mobile phones become pocket banks in developing countries%发展中国家的口袋银行——手机

Institute of Scientific and Technical Information of China (English)

2010-01-01

@@ An Afghan police officer gets his salary in a text message on his mobile phone.A Kenyan worker dials a few numbers to send money to his family.The rise of banking transactions through mobile phones is giving a whole new meaning to pocket money in parts of the developing world that lack banks or cash machines.

Deregulation of the European Banking Industry (1980-1991)

OpenAIRE

Gual, Jordi; Neven, Damien J

1992-01-01

In this paper the experience of deregulation in the banking sector of seven EC countries (Belgium, France, Germany, Italy, the Netherlands, Spain and the UK) is analysed. Lessons are drawn for assessment of how the EC directives affecting this sector could further affect the industry. Our findings broadly confirm intuition: there is some evidence that firms in protected markets earn large rents, which are partly dissipated in excessive costs and captured by workers. Conduct deregulation seems...

A Reliable Handoff Mechanism for Mobile Industrial Wireless Sensor Networks.

Science.gov (United States)

Ma, Jian; Yang, Dong; Zhang, Hongke; Gidlund, Mikael

2017-08-04

With the prevalence of low-power wireless devices in industrial applications, concerns about timeliness and reliability are bound to continue despite the best efforts of researchers to design Industrial Wireless Sensor Networks (IWSNs) to improve the performance of monitoring and control systems. As mobile devices have a major role to play in industrial production, IWSNs should support mobility. However, research on mobile IWSNs and practical tests have been limited due to the complicated resource scheduling and rescheduling compared with traditional wireless sensor networks. This paper proposes an effective mechanism to guarantee the performance of handoff, including a mobility-aware scheme, temporary connection and quick registration. The main contribution of this paper is that the proposed mechanism is implemented not only in our testbed but in a real industrial environment. The results indicate that our mechanism not only improves the accuracy of handoff triggering, but also solves the problem of ping-pong effect during handoff. Compared with the WirelessHART standard and the RSSI-based approach, our mechanism facilitates real-time communication while being more reliable, which can help end-to-end packet delivery remain an average of 98.5% in the scenario of mobile IWSNs.

Personality as predictor of customer service centre agent performance in the banking industry: An exploratory study

Directory of Open Access Journals (Sweden)

Linda Blignaut

2014-10-01

Research purpose: The aim of the study was to identify personality traits, as measured by the Occupational Personality Questionnaire 32r (item response theory scored version, including the more parsimonious Big Five personality traits, that may act as job performance predictors for customer service centre (CSC agents in the banking industry. Motivation for the study: This study provides an exploratory investigation of whether specific personality traits differ amongst CSC agents in the banking industry, based on their job performance. No published research in this field could be identified. Research design, approach and method: Purposive sampling was used to collect data from the entire CSC agent base of a particular banking group (N = 89. Responses were analysed by means of quantitative techniques. Main findings and practical/managerial implications: Results indicate that parsimonious traits of personality, expressed as the Big Five personality traits, predict job performance. The importance of carefully selecting suitable job performance criteria for a specific environment, however, emerged as a critical issue in performance prediction. Contribution: The study focuses attention on the importance of CSC agents’ performance as frontline staff in the banking industry and identifying valid criteria for selecting the most suitable agents. Providing a one-contact point of service such as a CSC is a fairly new approach in the South African banking industry and this study provides an initial investigation of personality traits that may serve as job performance predictors in this environment.

The Rise of Mobile Technology on the Financial Sector in Zimbabwe

OpenAIRE

Paul Mupfiga; Tafadzwa Padare

2017-01-01

The emergence of technology has revolted the way that the financial industry operates and the increasing use of mobile gadgets has changed the banking system from the traditional brick and mortar building to a virtual system. The sudden rise in use and innovation of smart mobile phones, mobile personal computers, tablets and various other mobile electronic gadgets has resulted in the rise of mobile financial products. Rapid quickening innovative headways are making completely new business sug...

A Review on Advanced Security Solutions in Online Banking Models

OpenAIRE

Sreeramana Aithal

2016-01-01

Online banking using mobile devices (mobile banking) is an effective and convenient way of providing electronic banking facility to customers from anywhere and at any time. The advent of mobile communication technology coupled with a boost in trade and commerce activity is increasingly driving the banking financial services to become ubiquitous, personalized, convenient, disseminative and secure. Realizing the advantages to be gained from mobile banking, financial institutions have begun to o...

AUSERA: Large-Scale Automated Security Risk Assessment of Global Mobile Banking Apps

OpenAIRE

Chen, Sen; Meng, Guozhu; Su, Ting; Fan, Lingling; Xue, Yinxing; Liu, Yang; Xu, Lihua; Xue, Minhui; Li, Bo; Hao, Shuang

2018-01-01

Contemporary financial technology (FinTech) that enables cashless mobile payment has been widely adopted by financial institutions, such as banks, due to its convenience and efficiency. However, FinTech has also made massive and dynamic transactions susceptible to security risks. Given large financial losses caused by such vulnerabilities, regulatory technology (RegTech) has been developed, but more comprehensive security risk assessment is specifically desired to develop robust, scalable, an...

Assessment of cyber risk in the banking industry

OpenAIRE

Spišiak, Michal

2017-01-01

There has never been more need to discuss cybersecurity related issues. We live in a world where criminals do not have to physically visit a bank to steal money from it, where elections results can be influenced by data breached from personal email accounts, where to win a war a country needs skilled cybersecurity specialists rather than powerful weapons and where patients do not get recommended treatment because a hospital is under a cyberattack. The financial industry as a backbone of any m...

[Grand Banks activity : updates and opportunities

International Nuclear Information System (INIS)

Bruce, G.

1998-01-01

An overview of the exploration and on-going activities by the petroleum industry on the Grand Banks of Newfoundland was presented. The two offshore oil developments underway are Hibernia and Terra Nova, both located in the Jeanne d'Arc Basin. Current production from Hibernia is 68,000 bopd, expected to rise to 130,000 bopd in 1999. The Terra Nova Field is still under development. Total recoverable reserves from the 17 discoveries made in the Jeanne d'Arc Basin are estimated at 1.6 billion barrels of oil and 4 trillion cubic feet of gas. Industry participants in the area include Amoco, Petro-Canada, Mobil, Chevron, Husky and Norsk Hydro. Petro-Canada believes the Grand Banks represent one of the best opportunities for oil anywhere in the world. There are currently 21 exploration licenses held on the Grand Banks. Major attractions of the area include the large reserve potential, the relatively low finding costs, the size of the pools being discovered, improvements in offshore technology that have substantially lowered development costs, and a profit-sensitive generic royalty regime that ensures reasonable rates of return for investors. figs

The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

The CSR Orientation in the Romanian Banking Industry

Directory of Open Access Journals (Sweden)

Georgiana-Loredana Frecea

2016-01-01

Full Text Available The banking industry in Romania is currently aware of the CSR involvement consequences and its importance for the national development, as a way to give back the welfare to the community and to legitimate the financial market. This paper establishes the CSR major fields in the Romanian banking system, identifying the key-elements in the sustainable disclosure data. The main idea of this paper focus on the dominant CSR area in this sector, highlighting the People-oriented insight, as a significant measure of the public satisfaction. Building on the assumption that the employees are key actors in the CSR construction, the paper will outline the main features of the employee’s volunteering. The research outcomes suggest a correlation between the bank’s financial performance, the internationalization process and the CSR multiplication effects for the public perceptions, generating an emotional form of CSR, as a way to strengthen the bank’s reputational value.

The World Bank's financial support to the petroleum sector in developing countries

International Nuclear Information System (INIS)

Mayorga-Alba, E.; Smith, S.

1996-01-01

This paper presents the World Bank Group's role in the petroleum sector of developing countries. It addresses separately the role of the International Bank for Reconstruction and Development (IBRD), the International Finance Corporation (IFC) and the Multilateral Investment Guarantee Agency (MIGA) in the upstream, downstream, and natural gas subsectors. Using specific examples, it describes the World Bank's role in promotion exercises, infrastructure projects, policy reform, mobilization of the private sector, and provision of political risk insurance. Considering that bank lending in the hydrocarbon sector meets only about 1 % of the industry's capital requirements, the paper argues that the World Bank Group is best suited to use its unique resources to catalyze private sector investment and to provide an environment conducive to market-driven development. 4 refs

IMPLEMENTATION OF BUSINESS INTELLIGENCE ON BANKING, RETAIL, AND EDUCATIONAL INDUSTRY

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Arta Moro Sundjaja

2013-10-01

Full Text Available Information technology is useful to automate business process involving considerable data transaction in the daily basis. Currently, companies have to tackle large data transaction which is difficult to be handled manually. It is very difficult for a person to manually extract useful information from a large data set despite of the fact that the information may be useful in decision-making process. This article studied and explored the implementation of business intelligence in banking, retail, and educational industries. The article begins with the exposition of business intelligence role in the industries; is followed by an illustration of business intelligence in the industries and finalized with the implication of business intelligence implementation.

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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El Mehdi Ferrouhi

2014-12-01

Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

M-PESA: A Case Study of the Critical Early Adopters' Role in the Rapid Adoption of Mobile Money Banking in Kenya

DEFF Research Database (Denmark)

Ngugi, Benjamin; Pelowski, Matthew John; Ogembo, JG

2010-01-01

This study reviews key factors that led to the phenomenal growth of mobile money banking services in Kenya using M-PESA, “mobile cash money”, the leading mobile money service provider as a case study. The study considers the outstanding challenges experienced by users, possible solutions and future...

HUMAN RESOURCE MANAGEMENT AND EMPLOYEE JOB SATISFACTION: EVIDENCE FROM THE NIGERIAN BANKING INDUSTRY

OpenAIRE

Omotayo Adewale OSIBANJO; Oladele Joseph KEHIDE; Abolaji Joachim ABIODUN

2011-01-01

The paper examines the effect of human resources management (factors) on employees’ job satisfaction using data collected from two banks in the Nigerian banking industry. The study attempts to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction; and to determine the impact of human resources factors on employee job satisfaction. The survey instrument used in the collection of data was t...

The application of holistic risk management in the banking industry

Directory of Open Access Journals (Sweden)

J. Chibayambuya

2007-12-01

Full Text Available Purpose: The application of holistic risk management is fast becoming a standard measure of good governance in the business arena. What role can holistic risk management play in the management of risk in the financial services industry? The aim of this paper is to propose a holistic risk management framework for the management of risk. Design/Methodology/Approach: A comprehensive framework that covers the holistic view risk management is proposed/developed out of an extensive literature review. Findings: Given the deliberations of various frameworks, a holistic risk management is proposed. The proposed framework ensures that all components of risk management are taken into account when strategizing for risk management in general and holistic risk management in particular; thereby improving the management of risk in the banking industry. Implications: The article proposes a holistic approach to risk management which takes into account all the facets of risk management, e.g. analyzing, planning, strategy, communication, implementation, motivation, systems review and plan modification. This holistic approach, when implemented in the banking industry, can have a significant impact on the improved management of risk. Originality/Value: The new proposed holistic risk management framework offers a fresh perspective of strategizing for risk management in terms of risk analysis, risk planning, risk strategy, risk communication, risk implementation, risk motivation, risk review and risk plan modification.

Intensity of Competition and Market Structure in the Italian Banking Industry

NARCIS (Netherlands)

Giannetti, C.

2008-01-01

This work tests the predictions of Sutton’s model of independent submarkets for the Italian retail banking industry. In the first part of this paper, I develop a model of endogenous mergers to evidence the relationship between firms’ conduct, market entry and market structure. In the second part, I

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

Massive Growth Of Banking Technology with the Aid of 5G Technologies

OpenAIRE

Sreeramana Aithal; K. Krishna Prasad

2015-01-01

The advancement in information technology has resulted in explosive growth in banking technology like ATMs, internet banking, and mobile banking. Banks which emphasize more on existing customer satisfaction and in attracting new customer have implemented online banking and mobile technology to make banking more convenient, attractive and simple. Computerization, wireless network, ATMS, internet banking and mobile banking can connect any customer of any bank in any branch with a...

Merger and Industrial Acceleration: Study at Indonesian Islamic Banking Industry

Directory of Open Access Journals (Sweden)

Kindy Miftah

2017-02-01

Full Text Available The purpose of this research tries to feed the alternatives of merger between Islamic banks which becomes a form of recommendation to optimize the merger result, so it will contribute to the development of Indonesia’s banking sector in particular. Methodolgy of this study is using comparison technique utilize result of calculation valuation based on valuation theory in general with method discounted cash flaw (DCF. Valuation data processing using data past performance sharia banks is to plan future financial performance. Results of valuation will be conducted both with individual banks that will be merged and alternative merger determined. These findings implied from various possibility alternative mergers between sharia banks, there are 5 alternatives that are feasible considering the internal aspect such as tendency shareholder and condition sharia bank to be merged related to internal interest and external aspect namely scale of assets from merger banks and probability success from merger process.DOI:  10.15408/sjie.v6i1.4728

An Empirical Analysis of Impact of E-commerce on Banking Industry in China

OpenAIRE

Jiang, Bo

2010-01-01

In recent years, e-commerce grows rapidly in the whole world. In the United State and European countries, e-commerce has become a significant financial service channel and played an irreplaceable role comparing with traditional banking. In these ten years, the banking industry in China has begun to implement e-commerce in order to serve their customers better. The implementation of e-commerce has changed people’s understanding of financial issues. Meanwhile, e-commerce brings new profit point...

China Mobile Phone Industry CEO Annual Meeting Opening in November

Institute of Scientific and Technical Information of China (English)

无

2006-01-01

@@ 2006 China Mobile Phone Industry CEO Annual Meeting (www.cmqc.org.cn) will open at Beijing State Guest Hotel On November 1. By that time, over 300 CEO will gather there to contend about the theme of this annual meeting "The World Competitiveness of China Mobile Industry Right Territory", view the unforgettable evening of "2006 Wisdom Sharing Brainstorming, 2007 Perspective Plan Hand in Hand".

"Little Helper" - An Autonomous Industrial Mobile Manipulator Concept

Directory of Open Access Journals (Sweden)

Mads Hvilshoj

2011-06-01

Full Text Available This paper presents the concept "autonomous industrial mobile manipulation" (AIMM based on the mobile manipulator "Little Helper" - an ongoing research project at Aalborg University, Denmark, concerning the development of an autonomous and flexible manufacturing assistant. The paper focuses on the contextual aspects and the working principles of AIMM. Furthermore, the paper deals with the design principles and overall hardware and software architectures of "Little Helper" from a functional and modular mechatronics point of view, in order to create a generic AIMM platform. The design challenges faced in the project is to integrate commercial off‐the‐shelf (COTS and dedicated highly integrated systems into an autonomous mobile manipulator system with the ability to perform diverse tasks in industrial environments. We propose an action based domain specific communication language for AIMM for routine and task definition, in order to lower the entry barriers for the users of the technology. To demonstrate the "Little Helper" concept a full‐scale prototype has been built and different application examples carried out. Experiences and knowledge gained from this show promising results regarding industrial integration, exploitation and maturation of the AIMM technology.

Modelling IT risk in banking industry : A study on how to calculate the aggregate loss distribution of IT risk

OpenAIRE

Isaksson, Didrik

2017-01-01

Background: Lack of internal data makes some operational risks hard to calculate with quantitative models. This is true for the IT risk or the risk that a bank will experience losses caused by IT System and Infrastructure failure. IT systems and infrastructure are getting more predominant and important in the banking industry which makes the IT risk even more important to quantify.  Purpose: The aim of this thesis is to find an appropriate way of modelling IT risk for the banking industry. Th...

Board Characteristics and Accounting Performance in Banking Industry: The Indonesian Experience

Directory of Open Access Journals (Sweden)

Muhammad Agung Prabowo

2018-02-01

Full Text Available This paper examines the effect of board characteristics on accounting return in Indonesian banking industry. The conceptual framework borrows from agency theory claiming that board is held liable for monitoring responsibilities and that monitoring effectiveness will lead to higher corporate achievement. Yet the theory predicts that board characteristics matter in constituting firm performance. It is hypothesized that leadership structure, representation of independent directors, board size, and the rank of college board chairperson attended are necessary attributes enable the board to deliver better performance. The investigation is based on a dataset consisting of 83 banks during 2009-2015. Panel data analysis reveal that the proportion of independent directors, board leadership structure, and board size shows insignificant influence. The rank of universities the board chairperson graduated is found to have an impact on accounting earnings. The impact is robust after the type of controlling owners is taken into account. Yet the association between university rank and performance is more pronounced in the listed-banks.

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

GUARANTEEING THE TROUBLE-FREE OPERATION OF CAPACITOR BANKS IN POWER-SUPPLY SYSTEMS OF INDUSTRIAL ENTERPRISES

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D.A. Gapon

2016-03-01

Full Text Available Purpose. The problem of resonance phenomena in power systems of industrial enterprises using capacitor banks for reactive power compensation was detected. Circuit of the capacitor banks tier to downshift main substation tires is present. But there is no common algorithm to calculate and avoid such trouble. The main goal of this article is to introduce some basics for power supply systems with possible resonant circuits engineering. Methodology. At the first step the data on the change of the current in the chemical company network when changing capacitor banks value are received. For these purposes the oscilloscope function of digital protection relay was used. Current data samples were analyzed by spectrum detection software. Most significant levels of the 3rd and 5th harmonics were achieved. Comparison of harmonic distortion levels with and without capacitor bank is given. Results. Achieved data allow making conclusion about overloading reasons of capacitor banks while higher harmonics currents presence. A voltage and current harmonious composition measuring in the absence of power quality analyzers using digital protection relay terminals or emergencies registers are proposed. The necessity of power quality monitoring near capacitor banks connections to avoid resonance phenomena (current and voltage resonance in industrial power supply systems is proven. The control algorithm of capacitor banks to provide electromagnetic compatibility, while various modes of nonlinear load operation is given. Originality. Using of digital protection relay oscilloscoping for current resonant detection can allow to significally reduce time and cost of solution. Replacement parallel circuit comprising a branch and one active-inductive load to another branch network in the presence of higher harmonics source are proposed. Practical value. A sequence for measuring the levels of harmonic components at the connections of capacitor banks in the absence of specialized

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

An empirical investigation on factors influencing on work stress: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Alireza Davoudzadeh Moghaddam

2015-08-01

Full Text Available An individual with a career faced with various career challenges may experience work-related stress. Work related stress is a factor that threatens employees’ health. The most common negative consequences of stress are particularly the deterioration of performance and efficiency, decrease in productivity and quality of customer’s services, which results in health problems. Work-related stress is a global issue, and banks are no exception. This paper presents a survey to investigate the influencing factors on work stress in banking industry. The study designs a questionnaire and distributes it among 200 randomly selected bank department managers in city of Tehran, Iran. Using principle component analysis, the study has detected five factors including organizational characteristics, external environment, work content, personal characteristics and top management.

Loyalty programs challenges in retail banking industry

OpenAIRE

Ivanauskienė, Neringa; Auruškevičienė, Viltė

2009-01-01

The purpose of this paper is to examine the challenges of loyalty programs in retail banks in Lithuania. Case study methodology was chosen to analyze the loyalty programs launched by various banks to show how banks are building the loyalty of individual customers and what challenges these banks face. The findings suggest that the majority of analyzed loyalty programs reward a repeat purchasing. Lithuanian retail banks launching loyalty programs for two customer segments - the potentially prof...

Effects Of Rotation On Auditor Independence And Quality Of Audit Service In Malaysian Banking Industry

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Kabiru Isa Dandago

2012-12-01

means for ensuring auditor independence and high audit quality in the Malaysian banking industry. In the absence of statutory/mandatory requirement for auditor rotation, it is recommended that the Malaysian banking institutions should be carefully evaluating the impact auditor rotation would have on the quality of audit work on their current and future financial statements, as they decide whether to rotate their auditors or not.

Perceptions of mobile network operators regarding the cost drivers of the South African mobile phone industry

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Musenga F. Mpwanya

2016-11-01

Implications: The findings of this study should assist MNOs in their monitoring of cost drivers and in the identification of cost reduction opportunities, in order to remain effective and efficient in the industry. This study’s findings should help regulating authorities (such as the Department of Communications and the Independent Communication Authority of South Africa [ICASA] to gain insights into the cost drivers of the South African mobile phone industry from the perspective of a network operator, and thus to develop appropriate mobile phone policies.

Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

Analysis And Mathematical Modeling Of Consumer Behavior In Mobile Telecommunications Industry

Directory of Open Access Journals (Sweden)

Saranga Gunasekara

2015-06-01

Full Text Available Abstract The mobile telecommunications industry is capital intensive by nature. With the rapid advancement of technology and changing consumer behaviors mobile network operators has had to adapt their product and service portfolio in quick succession. The main implication of the need for high capital investments is the risk associated with the investment. Therefore it is essential that mobile telcos follow up technological investments with the correct service provisioning to the customers. This requires a thorough understanding of the behavior of the consumers. Through this paper the author attempts to identify evaluate and quantify the effects of a number of traits of consumers that determine the consumer preference to a particular mobile network brand. The author also provides recommendations on strategy formulation. The evaluation has been carried out in the context of the Sri Lankan Mobile Telecommunications Industry.

The Compare of Concentration and Efficiency in Banking Industry: Evidence from the OPEC Countries

Directory of Open Access Journals (Sweden)

Mehdi BEHNAME

2012-11-01

Full Text Available The purpose of this paper is studying that whether the profitability from banking industry comes from the market power or it is a result of their high efficiency level. For this act, we have exerted structuralism and Chicago models versus X-and scale efficiency. Our sample covers the banks in the OPEC countries in the period 1995- 2009. The results for all countries in our sample show that X-and scale efficiency have the positive and significant effect on profitability but, concentration variable decreases profitability. Overall the results above support that the market power hypotheses are rejected for the OPEC countries, while efficiency gains appear to have a positive and significant impact on banking profitability.

A study on relationship between audit quality and earnings management in Iranian banking industry

Directory of Open Access Journals (Sweden)

Mohammad Masihi

2013-12-01

Full Text Available This paper presents an empirical investigation to study the relationship between audit quality and earnings management in Iranian banking industry. The proposed study gathers the necessary information from 18 different Iranian banks over the period 2005-2012. The study considers the effects of three independent variables including type of auditing, tenure of auditing and size of bank on earning managements. The result of our survey has indicated that there was a meaningful and reverse relationship between type of accounting and earnings management. In addition, the longer an auditing firm perform auditing program, the better the firm reports earnings management. Finally, as the size of firm increases, there is a better earnings management.

Brand Experience in Banking Industry: Direct and Indirect Relationship to Loyalty

Directory of Open Access Journals (Sweden)

Nuri WULANDARI

2016-02-01

Full Text Available In marketing, the meaning of value is rapidly shifting from service and relationships to experiences. It is believed that the traditional value proposition is no longer effective to compete in the market and to gain customer loyalty. By adapting the brand experience model, this study tries to validate the model in the banking industry, which is currently facing intense competition to retain customers. The brand experience construct is tested for its direct and indirect relationship toward loyalty. It is postulated that satisfaction and brand authenticity might be instrumental in mediating brand experience to loyalty. Research was conducted via in-depth interview and quantitative survey, targeting bank customers in Jakarta. The result confirmed that brand experience has direct and indirect contribution to loyalty in significant and positive manner. The research contributes in validating previous studies with a rare emphasis in banking sector. The result implies that brand experience is an important value to lead to customer loyalty in this area and subject to growing research on experience marketing.

Application of Blue Ocean Strategy to Chinese 3G Mobile Telecom Industry

OpenAIRE

Wang, Zang; Yang, Jin Wei

2010-01-01

The purpose of this study was to apply “Blue Ocean” strategy to Chinese 3G mobile telecom industry. Chinese 3G mobile telecom industry is a rapidly growing multiple industry which served a lot of services to customers. The thesis tries to find whether all services are important to Chinese 3G operators’ competiveness and how to create a blue ocean for Chinese 3G operators, help Chinese 3G operators to find their core service from the customers’ opinion and create a new blue ocean industry of m...

Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

OpenAIRE

Makosana, Musa

2014-01-01

The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

Credit Risk Management in Banking Institutions: Comparison between Chinese Banks and UK Banks

OpenAIRE

YU, LIN

2009-01-01

The recent international financial market turmoil has a great effect on the banking industry; accordingly it is very necessary to investigate the topic of the credit risk management. This paper mainly discusses the importance, current situation, ways and guidelines of the credit risk management for the banking industry. A large number of literatures are integrated in order to illustrate and explain recent developments in both methods and principles of credit risk management. Meanwhile, some e...

Wireless ATM: A Technologi cal Framework to m-banking

OpenAIRE

Susmi Routray; A. M. Sherry; B. V. R. Reddy

2008-01-01

Mobile and Wireless communication devices are becoming enablers for organizations to conduct business more effectively and efficiently. One of the most effective applications is mobile banking (m-banking). For any application to gain recognition technological advancements play a vital role. To make m-banking application a success bandwidth management is an important issue. The incr eased flexibility and mobility feature of wireless ATM and its bandwidth on demand fu...

A supply chain cost reduction framework for the South African mobile phone industry

Directory of Open Access Journals (Sweden)

Musenga F. Mpwanya

2017-03-01

Aim: The purpose of this study is to explore supply chain costs in the South African mobile phone industry, and to develop a supply chain cost-reduction framework for the South African mobile phone industry. Setting: This study explores supply chain costs in four mobile phone companies operating in the South African mobile phone industry, of which three mobile network operators and one mobile retailing group. It uses semi-structured interview data collected in 2011. Method: This study adopted a qualitative case study design to understand supply chain costs and develop a supply chain cost-reduction framework for the South African mobile phone industry. Eight semi-structured interviews with managers of mobile phone companies were conducted. The data were analysed with the help of Atlas.ti, using an adapted three-phased analytical framework as suggested by Miles and Huberman (1994 and O’ Dwyer (2004. Results: The study found that consolidation of strategic relationships through collaboration and strategic alliances between MNOs and other supply chain players is one of the ways to drive costs down across the supply chain. Outsourcing of some of the support activities and retailers’ direct purchasing transactions from device manufacturers were also found to be other avenues for reducing supply chain costs in the industry. Conclusion: The study suggests that mobile network operators (MNOs need to consolidate their strategic relationships by increasing the share of the network infrastructure, and emphasising the need to strive for operational efficiencies. This combined effort should result in significant cost reductions across the supply chain. The findings of this study provided some avenues that managers of mobile-phone companies could consider to drive costs down supply chain-wide and service end-users at lower rates. The findings of this study could also help regulating authorities to get insights into supply chain cost reduction and develop appropriate

ARRANGEMENT OF LAW BY STATE FINANCIAL AUTHORITY IN REALIZING NATIONAL BANKING INDUSTRY THAT’S HEALTHY AND DYNAMIC

Directory of Open Access Journals (Sweden)

Muammar Arafat Yusmad

2015-12-01

Full Text Available he development of national banking nowadays are growing fast, competitive and integrative. One problem of Indonesian banking system related with practicing law arrangement which is a harmonization process toward legislations. The focus problems are: law arrangement in banking governance, the procedure of the law arrangement in achieving national bank industry which are healthy and dynamic. As intermediary institutions, bank should be in a healthy condition in order to gain public confidence and deserve to increase national economic growth. Based on the conceptual discussion, obtained arguments are: (1 The law arrangement of national banking should be done coodinately between Otoritas Jasa Keuangan (OJK and Bank Indonesia (BI; (2 Procedure of law arrangement according to the function and authority of OJK and BI which the urgent subjects are to avoid conflict of norm, overlapping policies and limited validity of norm of the law case which happen and will be happen; (3 banking law arrangement include bank arrangement and supervision system, strengthening internal condition of the bank, empowering and protecting consumer with complaints mechanism and follow-up which are clear and measurable.

Performance Implications of Outsourcing in the Mobile Telecommunications Industry

DEFF Research Database (Denmark)

Claussen, Jörg; Kretschmer, Tobias; Oehling, Daniel

We examine how outsourcing of a core service affects firm performance in the context of the mobile telephony industry. We develop hypotheses based on economies of scale, transaction costs, quality advantages from specialization, and bargaining power and test these using a ten-year panel with 50...... mobile network operators outsourcing their network operations. We find that operators can decrease costs, increase revenues and improve their profitability in the long run by outsourcing mobile network operation services. This effect is stronger for small than for big operators....

Mobile technologies and supply chain management - lessons for the hospitality industry

OpenAIRE

Car, Tomislav; Pilepić, Ljubica; Šimunić, Mislav

2014-01-01

Purpose – The purpose of this paper is to define preconditions and integration capabilities of the mobile business in supply chain management (SCM) in the hospitality industry via mobile devices and mobile applications. The aims of this paper are to reflect on what mobile technology has to offer and to draw attention to the role of mobile applications and their use in the SCM. Although mobile technologies are present in almost all areas, they are not used to their full potential. Design – The...

Competitive Intelligence Practices And Their Effect on Profitability of Firms In The Kenyan Banking Industry

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JOHN KARANJA NGUGI

2013-07-01

Full Text Available The rapidly changing business climate created by advances in technologies, economic and social changes as well as fast-shortening product life cycles, which lead to hyper-competition, demands that firms embrace competitive intelligence as a strategy. This study sought to fill the existing knowledge gap by carrying out an investigation of competitive intelligence practices for greater profitability in the commercial banking industry in Kenya. The management staffs who directly deal with the day to day management of the banks were selected to collect primary data. The study concludes that adoption of competitive intelligence practices affect the profitability of the banking sector.

48 CFR 206.302-3 - Industrial mobilization; or engineering, development, or research capability.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Industrial mobilization; or engineering, development, or research capability. 206.302-3 Section 206.302-3 Federal Acquisition... COMPETITION REQUIREMENTS Other Than Full and Open Competition 206.302-3 Industrial mobilization; or...

Impact of Foreign Banks´ Profitability on Domestic Banks´ Earnings in BRIC

OpenAIRE

Arshad, Rizwan

2012-01-01

The current study aimed at investigating the impact of foreign banks on domestic banks in (Brazil, Russia, India and China) BRIC group of countries during 2001-2011. The importance of this topic is due to instability of financial industry and continuously changing financial markets. Financial liberalization did not only give boom to banking industry but also made it more competitive and unstable. To stay in competition, banks follow risky practices that do not only create problems within fina...

From CSR to Customer Loyalty: An Empirical Investigation in the Retail Banking Industry of a Developing Country

Directory of Open Access Journals (Sweden)

Moisescu Ovidiu-Ioan

2017-10-01

Full Text Available The objective of the current paper is to investigate the impact of customers’ perceptions of their service providers’ corporate social responsibility (CSR on customer loyalty, bringing relevant and useful insights regarding the nature of this relationship in the retail banking industry, and in the particular context of a developing country. The objective was accomplished by planning and implementing a consumer survey among a sample of 1449 Romanian retail banking customers, using an item-pool drawn up from the literature. The observed variables were grouped into several reflective latent variables, and afterwards included into a multiple regression model. The results indicate that customers’ loyalty towards retail banking companies is significantly and positively impacted by how customers perceive their providers’ CSR. Moreover, analyzing each category of responsibilities individually, banks’ responsibility towards their customers can be emphasized as being the most important dimension in our research context. The results convey practical implications for customer loyalty enhancement in a European developing country’s retail banking industry, by identifying those CSR dimensions on which organizations should focus on within their CSR policies implementation and communication.

Effects of self-service technology on customer value and customer readiness: The case of banking industry

Directory of Open Access Journals (Sweden)

Parviz Khadem

2013-07-01

Full Text Available The recent development on internet banking has contributed to this industry, significantly. People could do their banking transactions by clicking a bottom and transfer funds, pay bills, etc. In this paper, we present an empirical investigation to find out the effects of different factors on continuous internet banking. The proposed study of this paper has adopted a questionnaire, which was originally developed by Ho and Ko (2008 [Ho, S. H., & Ko, Y. Y. (2008. Effects of self-service technology on customer value and customer readiness: The case of Internet banking. Internet Research, 18(4, 427-446.]. We have used Pearson correlation test as well as stepwise regression techniques to verify the effect of different factors and the results of our survey show that four variables of easy implementation, usefulness, cost reduction and self-control positively influence continuous internet banking.

Book Review: J. Kelly. Rethinking Industrial Relations: Mobilization ...

African Journals Online (AJOL)

Book Review: J. Kelly. Rethinking Industrial Relations: Mobilization, Collectivism and Long Waves. K. Moody. Workers in a Lean World: Unions in the International Economy. B. Nissen. Which Direction for Organized Labour? Essays on Organizing, Outreach and Internal Transformation.

Efficient Deployment of Key Nodes for Optimal Coverage of Industrial Mobile Wireless Networks.

Science.gov (United States)

Li, Xiaomin; Li, Di; Dong, Zhijie; Hu, Yage; Liu, Chengliang

2018-02-10

In recent years, industrial wireless networks (IWNs) have been transformed by the introduction of mobile nodes, and they now offer increased extensibility, mobility, and flexibility. Nevertheless, mobile nodes pose efficiency and reliability challenges. Efficient node deployment and management of channel interference directly affect network system performance, particularly for key node placement in clustered wireless networks. This study analyzes this system model, considering both industrial properties of wireless networks and their mobility. Then, static and mobile node coverage problems are unified and simplified to target coverage problems. We propose a novel strategy for the deployment of clustered heads in grouped industrial mobile wireless networks (IMWNs) based on the improved maximal clique model and the iterative computation of new candidate cluster head positions. The maximal cliques are obtained via a double-layer Tabu search. Each cluster head updates its new position via an improved virtual force while moving with full coverage to find the minimal inter-cluster interference. Finally, we develop a simulation environment. The simulation results, based on a performance comparison, show the efficacy of the proposed strategies and their superiority over current approaches.

A Scoping Study of the Mobile Telecommunications Industry in Uganda

OpenAIRE

Shinyekwa, Isaac

2012-01-01

The paper aims at mapping out the Mobile Telecommunications Industry in Uganda with a view to identify areas for further research in a systematic and more detailed way. The economic and social upgrading/downgrading conceptual framework to guide the Capturing the Gains research agenda was used in this process. The paper briefly presents the mobile phone domains, emphasising the relevant parts for Uganda, which include; software development, sales and marketing, mobile service provision and end...

Emotional intelligence and successful change management in the Nigerian banking industry

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2017-06-01

Full Text Available Successful organizational change requires a supportive culture and competence development driven by exceptional leadership that can influence business strategy in allocating financial, human and material resources, processes and systems that focus on collaborative imperatives. Change management is the lubricant that oils the wheels of organizations in the race for competitive advantage. Many organizational change efforts face resistance mainly because of the method of implementation. Change Management involves the ability to communicate, influence, collaborate and work in harmony with colleagues. Emotional intelligence competencies allow organizational members to acknowledge the need for change, remove barriers, and enlist others in pursuit of new initiatives aimed at organizational success. Beginning in the late 1990s, banks in Nigeria embarked on change management through BPR that involved emotional intelligence competencies which saw the banking industry’s shareholders’ funds rising from minus N792m in 1996 to N1,935bn in 2011. The survey research design was used for the study, and data were analyzed to demonstrate the relationship between emotional intelligence and successful change management. It was found that EI has strong positive relationship with successful change management in the Nigerian banking industry.

Satisfaction Mayhem in the Danish Banking Industry

DEFF Research Database (Denmark)

Grünbaum, Niels Nolsøe

2015-01-01

Larger Danish banks score lower on customer satisfaction than minor Danish banks. The purpose of this empirical qualitative study is to enlighten this satisfaction paradox. The findings revealed that different satisfactions models are in play. More specifically, the larger banks in Denmark have...... undergone a transformation from a physical realm to a virtual realm. Hence, the personal relationship between the customer and bank employee has also changed. The customer perception of this is rather problematic. More specifically, the changes have diminished customers possibilities to form satisfaction...... judgments. Moreover, the larger banks also loose valuable insights in what the customers value. Without this knowledge a string of strategic business decisions will not be made based on ideal information. The originality of this study is examining and emphasizing coherence in satisfaction models in a buyer...

Consumers Intention to Use a Single Platform E-Payment System: A Study Among Malaysian Internet and Mobile Banking Users

OpenAIRE

LAI POEY CHIN; ZAINAL ARFFIN AHMAD

2015-01-01

This study seeks to explore Malaysian Internet and Mobile banking consumers’ in adopting a single platform E-payment system using TAM model. This research seeks to investigate whether convenience and design influence perceived ease of use and perceived usefulness. We also investigated the relationship between perceived ease of use, perceived usefulness and perceived risk with consumers’ intention to use one single platform that integrates card, internet and mobile. Respondents who used both t...

Banking Competition Measurement and Banking Sector Performance: Analysis of 4 ASEAN Countries

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2017-02-01

Full Text Available Many believe concentrated  banking industry which is dominated by few  big banks creates lower  competition, high profitability, and low efficiency. The main issue in empirical testing of this hypothesis is how to measure banking competition level. Traditional measures of competition are  concentration ratio and Herfindahl-Hirschman Index. This study uses three measures of banking level competition which are widely used in recent  financial literature: Boone Indicator, Lerner Index and H-Panzar-Rosse  statistics.  Lerner Index and H-Panzar-Rosse statistics resulted a similar competition level conclusion, while Boone Indicator produced slightly different output. Industry concentration produced opposing results with those three level of industry competition measurement methods. The results show  banking competition tend to be a monopolistic competition in ASEAN countries, especially in Indonesia which banks’ strategy basically were non-pricing strategy. Competition significantly caused lower profitability, while banking efficiency was not significantly affected by level of competition.DOI:  10.15408/sjie.v6i1.4547

ONLINE BANKING SECURITY INDUSTRY IN EMERGING CHINA MARKET

OpenAIRE

Liu, Rui

2009-01-01

In China, although traditional banks are still taking a wait-and-see approach in terms of offering their customers authentication tokens, online security technology is gaining momentum among Internet banks. During the last 15 years, technology for online banking security has undergone remarkable progress. The number of online banking users and the volume of transactions are increasing daily. Moreover, Chinese customers are paying more attention to online banking security issues, and are gradu...

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

Mobile bank conditions for laminar microrivers

OpenAIRE

Devauchelle , Olivier; Josserand , Christophe; Lagrée , Pierre-Yves; Zaleski , Stéphane

2008-01-01

International audience; The present study aims to establish a simple mechanistic model for river bank erosion. Recent experiments demonstrate that small-scale laminar flumes can develop erosion structures similar to those encountered in Nature. From the Saint-Venant Equations, a classical sediment transport law and a simple avalanche model, it is shown that bank failure caused by flow erosion can be represented through simple boundary conditions. These conditions are able to deal with the wat...

The Influence of Size on Corporate Culture and Organizational Effectiveness in the Nigerian Banking Industry

OpenAIRE

Edwinah Amah; C. A. Nwuche

2013-01-01

The paper examined the effect of size on corporate culture and organizational effectiveness in the Nigerian banking industry. A total of 388 managers were randomly drawn from a population of 13,339 managers of all the 24 banks in Nigeria. The instruments used for data collection were questionnaire and oral interview. A total of 320 copies of the questionnaire were retrieved and analyzed. Spearman¡¯s Rank Correlation Statistical tool was used to test the hypotheses. The findings revealed that ...

75 FR 56651 - ITS Joint Program Office; Trucking Industry Mobility & Technology Coalition Annual Meeting

Science.gov (United States)

2010-09-16

... DEPARTMENT OF TRANSPORTATION ITS Joint Program Office; Trucking Industry Mobility & Technology... Transportation. ACTION: Notice. The Trucking Industry Mobility & Technology Coalition (TIMTC) Annual [[Page 56652...: Beating Gridlock with a Smart Grid; U.S. DOT Truck Technology Initiatives; and State and Federal...

Integration and Assessment of Multiple Mobile Manipulators in a Real-World Industrial Production Facility

DEFF Research Database (Denmark)

Bøgh, Simon; Schou, Casper; Rühr, Thomas

2014-01-01

This paper presents a large-scale research experiment carried out within the TAPAS project, where multiple mobile manipulators were integrated and assessed in an industrial context. We consider an industrial scenario in which mobile manipulators naturally extend automation of logistic tasks towar...

THE GROWTH OF ISLAMIC BANKING IN INDONESIA

OpenAIRE

Fika Fitriasari

2012-01-01

This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

A study on relationship between electronic banking and liquidity management on Iranian banks

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-06-01

Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

The Impact of Information and Communication Technology on Intermediation, Outreach, and Decision Rights in the Microfinance Industry

Science.gov (United States)

Weber, David Michael

2012-01-01

The microfinance industry provides financial services to the world's poor in hopes of moving individuals and families out of poverty. This dissertation document suggests that information and communication technologies (ICTs) are changing the microfinance industry, especially given recent advancements in mobile banking, Internet usage and…

Efficient Deployment of Key Nodes for Optimal Coverage of Industrial Mobile Wireless Networks

Science.gov (United States)

Li, Xiaomin; Li, Di; Dong, Zhijie; Hu, Yage; Liu, Chengliang

2018-01-01

In recent years, industrial wireless networks (IWNs) have been transformed by the introduction of mobile nodes, and they now offer increased extensibility, mobility, and flexibility. Nevertheless, mobile nodes pose efficiency and reliability challenges. Efficient node deployment and management of channel interference directly affect network system performance, particularly for key node placement in clustered wireless networks. This study analyzes this system model, considering both industrial properties of wireless networks and their mobility. Then, static and mobile node coverage problems are unified and simplified to target coverage problems. We propose a novel strategy for the deployment of clustered heads in grouped industrial mobile wireless networks (IMWNs) based on the improved maximal clique model and the iterative computation of new candidate cluster head positions. The maximal cliques are obtained via a double-layer Tabu search. Each cluster head updates its new position via an improved virtual force while moving with full coverage to find the minimal inter-cluster interference. Finally, we develop a simulation environment. The simulation results, based on a performance comparison, show the efficacy of the proposed strategies and their superiority over current approaches. PMID:29439439

“Little Helper” — An Autonomous Industrial Mobile Manipulator Concept

Directory of Open Access Journals (Sweden)

Mads Hvilshøj

2011-06-01

Full Text Available This paper presents the concept “autonomous industrial mobile manipulation” (AIMM based on the mobile manipulator “Little Helper” – an ongoing research project at Aalborg University, Denmark, concerning the development of an autonomous and flexible manufacturing assistant. The paper focuses on the contextual aspects and the working principles of AIMM. Furthermore, the paper deals with the design principles and overall hardware and software architectures of “Little Helper” from a functional and modular mechatronics point of view, in order to create a generic AIMM platform. The design challenges faced in the project is to integrate commercial off-the-shelf (COTS and dedicated highly integrated systems into an autonomous mobile manipulator system with the ability to perform diverse tasks in industrial environments. We propose an action based domain specific communication language for AIMM for routine and task definition, in order to lower the entry barriers for the users of the technology. To demonstrate the “Little Helper” concept a full-scale prototype has been built and different application examples carried out. Experiences and knowledge gained from this show promising results regarding industrial integration, exploitation and maturation of the AIMM technology.

A study on relationship between information technology facilities and performance of banking industry

Directory of Open Access Journals (Sweden)

M. Khodaei Valahzaghard

2013-03-01

Full Text Available The recent advances on information technology have made tremendous change on traditional banking. These days, people do not carry cash and prefer to use electronic devices such as point of sale system (POS or PIN entry devices (PinPad to do desirable transactions. These technologies could facilitate e-business and increase profitability in various industries including banking sector. The purpose of this paper is to investigate the effect of five new products namely ATM, POS Machines, PinPad machines, online and swift branches on banking performance indicators including return on assets (ROA, return on equities (ROE and operating investment return (OIR. We use the information of 19 private and governmental banks, which were active in Iran over the period of 2005-2010. The study uses linear regression analysis as well as VAR technique to study the effects of the independent variables on bank performance indicators. The results indicate that while there are some weak and positive relationships between three technology indicators including POS, PinPad and online businesses and ROA as well as ROE, there is relatively strong and positive relationship between these three independent variables and OIR. In addition, while the results of VAR analysis have shown that any reduction on PinPad will reduce OIR but this reduction will disappear after approximately four periods.

Merger and Acquisition Activity as Driver of Spatial Clustering : The Spatial Evolution of the Dutch Banking Industry, 1850-1993

NARCIS (Netherlands)

Boschma, Ron; Hartog, Matté

2014-01-01

This article investigates the extent to which merger and acquisition (M&A) activity contributed to the spatial clustering of the Dutch banking industry in Amsterdam. This analysis is based on a unique database of all banks in the Netherlands that existed in the period 1850-1993. We found that

Human Reliability Data Bank: evaluation results

International Nuclear Information System (INIS)

Comer, M.K.; Donovan, M.D.; Gaddy, C.D.

1985-01-01

The US Nuclear Regulatory Commission (NRC), Sandia National Laboratories (SNL), and General Physics Corporation are conducting a research program to determine the practicality, acceptability, and usefulness of a Human Reliability Data Bank for nuclear power industry probabilistic risk assessment (PRA). As part of this program, a survey was conducted of existing human reliability data banks from other industries, and a detailed concept of a Data Bank for the nuclear industry was developed. Subsequently, a detailed specification for implementing the Data Bank was developed. An evaluation of this specification was conducted and is described in this report. The evaluation tested data treatment, storage, and retrieval using the Data Bank structure, as modified from NUREG/CR-2744, and detailed procedures for data processing and retrieval, developed prior to this evaluation and documented in the test specification. The evaluation consisted of an Operability Demonstration and Evaluation of the data processing procedures, a Data Retrieval Demonstration and Evaluation, a Retrospective Analysis that included a survey of organizations currently operating data banks for the nuclear power industry, and an Internal Analysis of the current Data Bank System

Flexible Wi-Fi Communication among Mobile Robots in Indoor Industrial Environments

Directory of Open Access Journals (Sweden)

Jetmir Haxhibeqiri

2018-01-01

Full Text Available In order to speed up industrial processes and to improve logistics, mobile robots are getting important in industry. In this paper, we propose a flexible and configurable architecture for the mobile node that is able to operate in different network topology scenarios. The proposed solution is able to operate in presence of network infrastructure, in ad hoc mode only, or to use both possibilities. In case of mixed architecture, mesh capabilities will enable coverage problem detection and overcoming. The solution is based on real requirements from an automated guided vehicle producer. First, we evaluate the overhead introduced by our solution. Since the mobile robot communication relies in broadcast traffic, the broadcast scalability in mesh network is evaluated too. Finally, through experiments on a wireless testbed for a variety of scenarios, we analyze the impact of roaming, mobility and traffic separation, and demonstrate the advantage of our approach in handling coverage problems.

The effect of marketing knowledge management on sustainable competitive advantage: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Fatemeh Rezaee

2017-11-01

Full Text Available Nowadays, the importance of achieving sustainable organization with competitive advantage in complex environments has many researchers’ interest. So, in this study, we evaluate different views of MKM and its role to reach SCA within banking industry. This research is relatively the scarce empirical study and adds to its originality. The findings offer valuable insights on the generalizability of MKM in a research setting. In fact, the purpose of this study is to empirically test the effect of the marketing knowledge management (MKM on sustainable competitive advantage (SCA within banking industry of Iran. A valid research instrument was utilized to conduct a survey of 150 top- and middle-level managers from Mellat bank of Iran (MBI. With a response rate of 81.3 percent, 122 questionnaires were returned; the number of valid and usable questionnaires was 101. Using exploratory and confirmatory factor analyses, MKM were classified into organizational strategies, culture and performance of senior manager, information technology (IT, research and development (R & D, internal customer (personnel, and external customer (client. Moreover, MBI’ SCA was classified into three dimensions: market, customer, finance. Structural equation modelling was utilized to test the stated hypotheses and model. Statistical support was found for the hypothesized relationships. Moreover it has been shown that MKM maintained the greatest effect on the market centered SCA, while it had the least influence on the customer centered.

Role of development banks in promoting industrial energy efficiency: India case studies

International Nuclear Information System (INIS)

Sathaye, J.; Gadgil, A.; Mukhopadhyay, M.

1999-01-01

The Industrial Development Bank of India (IDBI) is the premier institution in India purveying financial assistance to the industrial-sector projects. Its annual lending amounts to $6 billion. Recognizing the need to increase lending for energy efficiency and environmental management (ee/em) projects, the Asian Development Bank (ADB) provided a $150 million line of credit to IDBI. These funds were lent to cement, steel, paper, sugar and other industries. Accompanying the line of credit, ADB also provided funds for technical assistance to strengthen IDBI's capability for the assessment of projects related to energy efficiency and environmental management (ee/em). The technical assistance (TA) focused on IDBI's institutional capability, the procedures it follows for lending in this area, studies of ten energy-intensive sectors, and training and data needs to improve its lending. The findings of the TA reveal a need to (1) use ee/em indicators during IDBI's appraisal, approval, and monitoring of projects, (2) increase the ee/em information resource base - in-house and out-house ee/em experts, handbooks, computerized data bases - that IDBI staff can access, and (3) increase awareness of ee/em components among industrial borrowers. The sector studies show that there is at least a 20% lag compared to best practice for energy use, and that a significant potential, $1.0 billion, exists for investment in ee/em activities. These activities include (a) housekeeping measures such as improved lighting, variable-speed motors/drives, improving power factor, etc., (b) installing co-generation and captive power generation units, and (c) changing manufacturing processes to more efficient and less polluting ones. Training and data needs were also identified which would improve IDBI's lending for energy efficiency and environmental management

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

Banking supervision must keep pace with technical innovations in the banking industry. The international Basel Committee on Banking Supervision currently is reviewing public comments on its proposed new method for judging whether a bank maintains enough capital to absorb unexpected losses. This Economic Commentary explains how existing standards became obsolete and describes the new plan.

Seabird data collected by the Grand Banks offshore hydrocarbon industry 1999-2002 : results, limitations and suggestions for improvement

International Nuclear Information System (INIS)

Baillie, S.M.; Robertson, G.J.; Wiese, F.K.

2005-01-01

Offshore oil operations attract and concentrate migratory seabirds through an artificially enhanced food supply and lights. In order to understand the vulnerability of seabirds near offshore oil facilities, the degree of association of seabirds with these sites must be determined. Offshore oil and gas exploration on Newfoundland's Grand Banks began in the early 1980s, with first oil produced in 1997 at the Hibernia fixed platform. Additional production followed in 2002 from the Terra Nova Floating Production Storage and Offloading Vessel. As the Grand Banks oil industry grows, seismic surveys continue to be conducted and an estimated 30,000 litres of crude oil and synthetic based drilling fluids have been spilled from exploration drilling, development drilling and production oil operations between 1997 and 2002. Most of the spills occurred in winter when the number of seabirds on the Grand Banks are highest and most vulnerable to oil pollution. This report presents an evaluation of the current Grand Banks offshore oil and gas development seabird monitoring programs. It focuses mostly on seabird monitoring on fixed platforms. The objective was to assess the scientific quality of seabird-related industry programs by compiling and summarizing all available spatial and temporal seabird abundance data and deck stranded birds associated with Grand Banks offshore oil platforms from 1997 to 2002. Data on seabird distributions at sea and stranded bird encounters was collected from 8 offshore hydrocarbon sites on the northeastern Grand Banks. It was recommended that a standardized seabird monitoring and observer training program for the offshore operations in the Grand Banks region be implemented. 43 refs., 5 tabs., 16 figs., 3 appendices

Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.

Digital forensic technologies as e-fraud risk mitigation tools in the banking industry: Evidence from Zimbabwe

Directory of Open Access Journals (Sweden)

Shewangu Dzomira

2014-07-01

Full Text Available The paper investigates digital analytical tools and technologies used in electronic fraud prevention and detection, used in the banking industry. The paper is based on a descriptive study which studied digital forensics and cyber fraud phenomenon using content analysis. To obtain the data questionnaires and interviews were administered to the selected informants from 22 banks. Convenience and judgemental sampling techniques were used. It was found out that fraud detection and prevention tools and technologies would be most effective way of combating e-fraud if they can be utilized. It is concluded that banking institutions should reshape their anti-fraud strategies to be effective by considering fraud detection efforts using advanced analytics and related tools, software and application to get more efficient oversight

Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

OpenAIRE

Uddin, Md Akther

2015-01-01

Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

Student Recruitment for the Mobile Generation : An Exploratory Study of Mobile Marketing Practices in the International Higher Education Industry

OpenAIRE

Zinn, Marian; Johansson, Helen

2015-01-01

Background: In an increasingly market-driven and global higher education industry, characterized by growing international competition and the emergence of disruptive mobile technologies, higher education institutions (HEIs) are challenged to adopt innovative ways of marketing for student recruitment to sustain student enrollment numbers. Within this new landscape the concept of mobile marketing for student recruitment has become an important issue for HEIs. Mobile devices are playing an incre...

An application of data envelopment analysis for measuring the relative efficiency in banking industry

Directory of Open Access Journals (Sweden)

Mehdi Soltanifar

2014-05-01

Full Text Available Measuring the relative efficiency of banking industry has been a popular subject among both practitioners and academicians. Data envelopment analysis (DEA has been widely applied for different purposes. This paper presents an empirical investigation to measure the relative efficiency of various banks located in province of Semnan, Iran. The proposed study uses DEA method to rank all units and using Anderson and Peterson method (1993 [Andersen, P., & Petersen, N. C. (1993. A procedure for ranking efficient units in data envelopment analysis. Management Science, 39, 1261-1264], we provide some super efficiency for inefficient units. The study also provides reference numbers for inefficient units and gives some target values for all inefficient units.

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

DETERMINAN PROFITABILITAS BANK MELALUI Z-SCORE, STRUKTUR MODAL, SIZE, RISIKO KREDIT DAN PERMODALAN PADA INDUSTRI PERBANKAN NASIONAL

Directory of Open Access Journals (Sweden)

Anton Ferry Ananda

2016-02-01

Full Text Available This study aimed to analyze the influence of the value of the Z-Score, capital structure, size, credit risk and capital as measured by CAR on bank profitability. The object of this study is on the national banking industry. The sampling technique used in this research is purposive sampling. The sample in this study is a bank which went public on the Stock Exchange prior to the year 2013 and to publish financial statements in 2013 and 2014. The samples were 27 banks. Period study in 2013 and 2014. The analysis technique used multiple linear regression. The results showed that simultaneous Z-Score, capital structure, size, credit risk and capital effect on profitability. Partially value of the Z-Score, size, risk and CAR effect on profitability, while the capital structure policy has no effect on profitability.

Mobile Bank Conditions for Laminar Micro-Rivers

OpenAIRE

Devauchelle, Olivier; Josserand, Christophe; Lagrée, Pierre-Yves; Zaleski, Stéphane

2008-01-01

International audience; The present study aims to establish a simple mechanistic model for river bank erosion. Recent experiments demonstrate that small-scale laminar flumes can develop erosion structures similar to those encountered in Nature. From Saint-Venant's Equations, a classical sediment transport law and a simple avalanche model, it is shown that bank failure caused by flow erosion can be represented through simple boundary conditions. These conditions are able to deal with the water...

Physical protection of mobile radioactive sources commonly used in the well logging and industrial radiography industries

International Nuclear Information System (INIS)

Barlow, Maegon E.

2016-01-01

The mission of the U.S. Department of Energy/National Nuclear Security Administration's (NNSA) Office of Radiological Security (ORS) is to protect high-activity radiological materials around the globe. ORS works domestically within the United States and collaborates with over 80 countries to protect medical, industrial, research and other radiological sources from being used by malicious actors in a radiological dispersal device (RDD) or radiation exposure device (RED). One area of specific concern is mobile radioactive sources, such as those used in radiography to inspect welds or metal integrity, and those in the oil and gas industry to characterize exploration and production wells in pursuit of oil caches. These mobile radiological sources are of sufficient Curie quantities to be categorized as desirable sources for malicious actors. This presentation will provide an overview of a mobile source tracking system developed by ORS in conjunction with Pacific Northwest National Laboratory (PNNL), and will discuss how the system can contribute to source security, as well as next steps to pilot this technology

Organizational e-readiness web: a model for evaluating e-readiness of Iranian commercial banks in order to develop e-banking

OpenAIRE

Chitsazan, Hasti; Keimasi, Masoud

2015-01-01

E-banking through mutual benefits for customers and banks has become a necessity in the banking industry nowadays. In spite of this, e-banking has not spread in Iran as it is appropriate.In a general categorization it can be said that E-readiness of banks and environmental e-readiness are two effective factors on development of e-banking which have been referred in different studies some models have been proposed in this regard in macro industries and others. However, no specific model has be...

Factors influencing customer retention, satisfaction and loyalty in the South African banking industry

OpenAIRE

Craucamp, Frederik Willem

2012-01-01

Customer retention, loyalty and satisfaction are extremely important elements in any company’s strategy, especially in the highly competitive South African banking industry. Understanding the various factors that could influence these constructs is therefore critical to organizational success. Several studies showed the impact of these measures on profitability and shareholder value, but there has been little effort to access the factors that might lead to higher levels of retention, loyal...

Does Technology Acceptance Change the Way from CRM to Customer Loyalty?: An Empirical Study on the Banking Industry

OpenAIRE

Yi-Yuan Liu

2010-01-01

This study explores the moderating effect of technology acceptance on the relationship between customer relationship management (CRM) in terms of distribution and tailor-made functions and customer loyalty in the banking industry. The author uses LISREL two-group path analysis to find the variances between high and low technology acceptance. Data collected from the customers of nine retail banks show that commitments have a mediating effect on the relationship between the tailor-made function...

Improved Security Models & Protocols in Online Mobile Business Financial Transactions

OpenAIRE

Sreeramana Aithal

2017-01-01

Chapter I : Introduction to Mobile Business and Mobile Banking Chapter II : Review of Literature on Mobile Business Technology, Mobile Banking Services & Security Chapter III : Research Objectives and Methodology Chapter IV : Results and Discussion Chapter V : Summary and Conclusions Bibliography

ANALISIS KOMPARATIF DAN EKSPLORATIF TERHADAP KUALITAS PELAYANAN BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA PEKALONGAN

Directory of Open Access Journals (Sweden)

Nalim Nalim

2015-12-01

Full Text Available Abstract: For the last ten years, the focus for sharia trading industry has shifted from emphasising on price to service quality. Some of the reasons for this are: the rise of banking industry rivalry, stable business environment, more challenges faces, modern technology and the increasing number of service provider systems. Additionally, within the global market, the service quality has become more prominent in surviving the banking industry. Furthermore, the service quality also influences customers' satisfactory level. For these reasons, I am interested in researching further about service quality in banking industry. This study aims at (1 finding out factors that influence customers' banking choice (sharia and conventional banks, finding out service index comparison between sharia and conventional banks, and finding out the service quality difference between sharia and conventional banks. The instrument used to compare the service quality was SERVQUAL. The data was descriptively analysed and comparatively analysed using T-test. Descriptive analysis was employed to find out the emerging patterns within the data while the T-test was utilised to analyse the correlation among variables in the questionnaire. The result of the study indicated that there were four components (tangibleness, assurance, reliability and empathy of the service quality which ranked the highest, scoring 3.69. The similar result of highest score of tangibleness, scoring 3.65, was also indicated for conventional bank. Additionally, the result of the study also indicated that sharia bank scored higher in terms of its quality on the point of 3.53, while conventional bank was on the point of 3.50. Abstrak: Sejak sepuluh tahun terakhir, fokus strategis layanan industri ritel perbankan telah mengalami pergeseran dari harga (price menuju kepada kualitas pelayanan (service quality. Alasannya adalah karena munculnya persaingan, tantangan yang berat, lingkungan bisnis yang stabil

Competition between bank regulators

OpenAIRE

Schindler, Dirk; Eggert, Wolfgang

2004-01-01

This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

Directory of Open Access Journals (Sweden)

Farhan Ahmed

2018-01-01

Full Text Available This paper investigates the difference between the dividend payout policy of Islamic banks and conventional banks in Pakistan for a period from 2012 to 2016 analyzing the data through regression using Least Square Method (OLS. Specifically, the study aims to study the impact of the profitability, liquidity, revenue growth and financial leverage on the dividend payout policy of the Islamic Banks and conventional banks of Pakistan and how Islamic banks dividend policy differs from conventional banks. This study concludes that the factors like liquidity and financial leverage should be considered and addressed accordingly, because these are key indicators to help policymakers and investors in assessing the performance of the Islamic Banking Industry. DOI: 10.15408/aiq.v10i1.6103

Perceptions of managers regarding supply chain cost reduction in the South African mobile phone industry

Directory of Open Access Journals (Sweden)

Musenga F. Mpwanya

2015-06-01

Full Text Available Background: Many industries, including the mobile phone industry, experience a surge in supply chain (SC costs in the provision of products and services to their customers. Despite this, only a few studies have been conducted on SC cost reduction in South Africa and globally. Objective: This study seeks to understand the perceptions of managers regarding cost reduction in the South African mobile phone SC. Method: A qualitative case study was conducted, involving eight willing managers and using semi-structured interviews, observation and documents. Interviews transcripts were analysed thematically with the help of Atlas.ti and a threefold process was followed, comprising data reduction, data display and data interpretation and conclusion drawing. Results: The findings suggest that mobile phone companies should consolidate their strategic relationships and be efficient, in order to effectively reduce costs in the South African mobile phone SC. To achieve this, whilst South African mobile network operators have to share more and more infrastructure and outsource their operations, other mobile phone companies should re-engineer their operational processes and their reduce costs across the SC. Conclusion: The knowledge generated from this study should assist South African mobile phone companies to reduce their SC costs and address high-priced mobile services. On the other hand, this study should assist regulating authorities (the Department of Communications and the Independent Communication Authority of South Africa to gain insights into the challenges faced by the mobile phone industry in South Africa and, therefore, to make appropriate and adequate mobile telecommunication policies.

Retail banking service quality: A client perception study

Directory of Open Access Journals (Sweden)

Mbablemhle Bhengu

2016-11-01

Full Text Available The retail banking sector in South Africa is predominantly characterised by a high face to face interaction and constant product and pricing differentiation. In order for a bank to distinguish itself from other banks in the banking industry, it uses excellence in its service quality to stand out against its competitors. In the study, the researchers adapted the SERVQUAL model to the banking industry. A probability sampling technique was employed for the study. Simple random sampling was employed to test MBA students’ perceptions towards service quality in the banking industry. The findings in the empirical study revealed that MBA students at the university were dissatisfied with the quality of service offerings provided by the retail banks in South Africa. There were quality gaps revealed in tangibles, reliability, empathy, responsiveness and reliability aspects of the service encounters

An Exploration of Customers’ Switching Behavior In Islamic Banking Industry

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Ali Rama

2017-02-01

Full Text Available The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.

Banking towards development: Evidence from the Spanish banking expansion plan

OpenAIRE

Pere Arqué-Castells; Elisabet Viladecans-Marsal

2013-01-01

During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

Reliability data banks

International Nuclear Information System (INIS)

Cannon, A.G.; Bendell, A.

1991-01-01

Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

The relevance of customer relationship management in the nigerian banking industry (A case study of intercontinental Bank Plc

Directory of Open Access Journals (Sweden)

Babatunde B. O.

2010-12-01

Full Text Available Customers relation management (CRM is an emerging customer innovation focused on growing customers profitably by knowing, caring and delivering value to the customers in a bid to enhance customer intimacy, increase quality service levels and enhance business penetration supported by technological capabilities.The objectives of the study is to find out the relevance of CRM in the industry and the extent of the concepts adopted. Also to determine the extent to which the CRM concept assist to build up competitive advantage overtime. In order to ascertain the fact in this research work secondary data were collected and regression model technique were adopted to analyze result both in quantitatively and descriptively format. Also, the finding revealed that more resources should be invested in technology and personnel training in order to get the best out of the customer relationship management (CRM. Recommendation were equally offered for banks aiming towards crafting a niche for themselves in the turbulent industry.

3DS-colorimeter based on a mobile phone camera for industrial applications

Science.gov (United States)

Miettinen, Jari; Martinkauppi, J. Birgitta; Suopajärvi, Pekka

2013-02-01

Colour gives an essential finishing touch to many products. Consumers find it as an important factor, for example, when selecting doors, furniture, parquet and coated metal products. Currently, colour evaluation is often carried out by looking at the product. Since people's memory for an exact colour is poor, this method often produces unsatisfactory results in industrial quality control. In this paper, we discuss how to solve this problem by the use of a colour measurement technology for mobile phones equipped with a suitable accessory. Mobile phones provide a suitable monitor platform even for laymen as people are increasingly using their mobile devices for purposes of entertainment, communication and business, thus making them a familiar device to use. Our 3DS-colorimeter is a new, handheld, low-cost consumer/industrial-level prototype combining both a colorimeter feature and 3D surface measurement feature. In this paper, we describe its colorimeter features shortly and demonstrate its performance in measurement repeatability and colorimetric accuracy. As an application example, we show its usefulness for monitoring the colour appearance of painted doors. This study indicates that the 3DS-colorimeter is applicable to industrial quality control.

Studying the impact of industry type validation criteria to Legal customers of Bank Saderat Iran using data envelopment analysis

Directory of Open Access Journals (Sweden)

Alireza Rajabipour Meybodi

2013-08-01

Full Text Available One of the problems of today's banking system is overdue loans. The basic strategy for solving this problem is creating a credit rating system of customers. Financial ratios extracted from financial statements of companies have long been considered as one of the useful tools used for evaluating companies by individuals to predict future conditions. Therefore, in this study, ranking of companies in each industry has been discussed using Data Envelopment Analysis (DEA and a number of inputs and outputs such as financial ratios and other important characteristics from the viewpoint of professors and credit experts. Then, ratings of the inputs and outputs (credit criteria have been identified to distinguish and compare the types of industries using sensitivity analysis. Finally, the values of inputs and outputs have been studied for different industries. The research approach can be used by banks in credit risk management for customers.

AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY

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Ali Rama

2017-02-01

Full Text Available The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.     Keywords: Switching behavior, Customer satisfaction, Service quality, Shariah compliance, Prices JEL Classification: G14, G20, G21, M30, D10

The Revolution in Banking and the Financial Services Industry. Series on Public Issues No. 11.

Science.gov (United States)

Fraser, Donald R.

It is the premise of this booklet, one of a series intended to apply economic principles to major social and political issues of the day, that a revolution in the banking and financial services industry is altering not only the fundamental nature of the services offered but the character of the organizations themselves. The purpose of the essay is…

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

78 FR 59038 - Mobile Medical Applications; Guidance for Industry and Food and Drug Administration Staff...

Science.gov (United States)

2013-09-25

... FDA intends to apply its regulatory oversight to only those mobile apps that are medical devices and...] Mobile Medical Applications; Guidance for Industry and Food and Drug Administration Staff; Availability...) is announcing the availability of the guidance entitled ``Mobile Medical Applications.'' The FDA is...

Countermeasures for Commercial Banks to Develop Mobile Financial services in the Environment of Mobile Internet%移动互联环境下商业银行发展移动金融服务对策

Institute of Scientific and Technical Information of China (English)

徐虹

2016-01-01

当前，移动互联网技术与金融业深度融合形成的移动金融，已成为金融行业创新最活跃、成长最迅速的新兴业态，分析当前移动互联背景下商业银行的移动金融服务发展策略显得尤为紧迫。文章从移动金融市场的发展态势入手，分析移动金融市场的泛在化、即时化、社交化等特征，提出五点建议：理顺移动金融发展战略，加快差异化发展模式，推进数据仓库技术支持，筑牢移动金融安全防线，弥补移动金融消费者教育与信息的不足等。%Mobile finance, as an integration of mobile internet technology and the financial industry, has become a new type of business with the most active innovation and the most rapid development, so that it has a great significance to study the countermeasures for commercial banks to develop mobile financial services in the environment of mobile internet. Based on the development tendency of mobile financial market, the paper presents its characteristics of being ubiquitous, immediate and social and puts forward five proposals: to work out the strategies for the development of mobile finance, to accelerate the differentiation of development mode, to promote the support of data warehouse technology, to build a powerful mobile financial security, and to make up for the insufficiency of education and information for mobile financial consumers.

THE USE OF INFORMATION COMMUNICATION TECHNOLOGY (ICT AS THE TECHNOLOGY ACCEPTANCE MODEL (TAM OF MOBILE BANKING

Directory of Open Access Journals (Sweden)

Paulus Yokie Radnan

2018-01-01

Full Text Available Information Technology services in banking business which is very dynamic and advanced makes the bankers must adjust to the presence of this technology. In this paper, the authors will explain the role of Mobile banking technology which is provided by CIMB Niaga in servicing its customers for banking transactions. The methodology used in this paper is quantitative with the purposive sampling one. Instrument used the Technology Acceptance Model (TAM as developed by Parasuraman and Davis by modifying them to fit the state of the research object. This research was conducted in Jakarta and several other places. Research and data collection took 6 months from November 2015 to April 2016. The variables included trust, perceived use (PU, perceived ease of use (PEU, attitude toward use (ATU, Intent to use (ITU, and actual use (AU. After the data were collected, the regression analysis was performed. From the analysis result it was found that trust and perceived use (PU variables did not positively and significantly influence the intent to use (ITU variable, as well as the perceived use variables (PU and perceived ease of use (PEU which have no significant and positive effect on attitude variable on usage (ATU. For that case, the authors propose an improvement strategy to maintain and grow this business forward.

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

OpenAIRE

Teodora Barbu; Georgeta Vintila

2007-01-01

The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must...

A STUDY OF BANK CUSTOMERS’ PERCEIVED USEFULNESS OF ADOPTING ONLINE BANKING

OpenAIRE

Hsueh-Ying Wu; Chun-Chun Lin; Cheng-Lung Li; Hsing-Hui Lin

2010-01-01

As information technology rapidly changes the fabrics of industries in recent years, the trade of online banking has become more diversified. Specializing in unlimited, speedy and convenient services, online banking has transformed traditional banking in many countries. The managements’ ability to anticipate and respond to such changes in the financial marketplace, thus, has a decisive influence on the success or failure of many retail banks. The present study, exploratory in nature, was in...

Strategic Interactions in Mobile Services of The Malaysian Telecommunication Industry

OpenAIRE

Chen, Khar Ye

2005-01-01

The mobile telecommunication landscape in Malaysia has gone through some rapid changes in recent years due to the infusion of new technologies and industry deregulation, forcing local players to change the rules of the game. Although only two service providers were currently allowed to operate 3G licenses followed with the consolidation of five players into three in the industry, the conditions did not seem to result in higher entry barrier. The reason is because MCMC has allowed a new group ...

The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

Directory of Open Access Journals (Sweden)

Pooja MALHOTRA

2009-11-01

Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank

Electronic Banking in Nigeria: Concepts, Challenges and Prospects ...

African Journals Online (AJOL)

Electronic Banking in Nigeria: Concepts, Challenges and Prospects. ... examined its prospects for Nigerian banks and discussed associated risks. ... E banking, it also observed, holds enormous potentials for the banking industry in Nigeria.

Mobile robots for the nuclear industry - A 1990 status report

International Nuclear Information System (INIS)

Meieran, H.B.

1990-01-01

Mobile robots with and without manipulating arms have been available for use in radioactive environments for almost 30 yr. Their use commenced in the early 1960s with a family of mobile robots manufactured by the PAR Corporation (now the PAR division of CIMCORP). It was a tethered, two-tracked teleoperator-controlled vehicle that supported one master-slave manipulating arm. The durability of this device is continuing to be demonstrated by HERMAN, which is currently on standby availability at the Oak Ridge National Laboratory (ORNL) to respond to emergency situations by supporting mitigating actions at scenes of incidents that involve the release of radioactive material. Mobile robots are being employed in a spectrum of locations in many reactors and other nuclear installations. This paper presents the current status of the use of mobile robots in the nuclear industry and describes currently contemplated missions, with examples, that are being or will be conducted on terrestrial surfaces, underwater, in pipeline locations, and through the air

Comparison of the Performance of SOEs Banks and Private Banks and its Influece to the Stock Prices

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Husnul Insan

2017-09-01

Full Text Available Banking industry is one of the industries which show the presence of tight competition. The competition itself can be seen from the number of banks which operates in Indonesia in 2014, that is 119 banks. The aim of doing this research is to analyze the different financial performances between Significant effect on the level of 5% and Private banks, and also to analyze the variable influence of bank finance performances to the stock price. The analyzing method which will be used on this research is radar and regression analyzing graphic illustration techniques. The result of this research shows that financial performances of SEOs Banks is better than Private Banks according to the profitability, productivity, and growth potential aspect, while on the aspect of liquidity, private banks has a better performance than SOEs banks. In terms of solvability, both banks have the same financial performances. According to the regression analysis, it is known that the bank financial performance on CAS and NIM variable has a positive and significant influence to the stock prices, while on LDR, CRR, CAR, DRR, and ROA variables they have a negative and significant influence to the stock prices. This shows that the investors have made those variables as a benchmark in their investing policies and they tend to pursue the stocks from SOEs banks rather than private banks, because generally SOEs banks have a better financial performance than private banks.Keywords: regression analysis, bank, stock prices, financial performances, radar method

Industrious but Redundant: Gender and Labor Market Mobility in Brazil in the 1990s

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Nadya Araújo Guimarães

2001-01-01

Full Text Available This article focuses on the inter-sectorial mobility of industrial workers in Brazil based on longitudinal data from the Brazilian Ministry of Labor on the number of hired and dismissed workers during the 1990s. Comparing two industries in two regional labor markets, the author argues that gender differences are important for understanding patterns of mobility in formal labor markets independent of the degree of their formality, the different patterns of women’s work permeability, and the nature of their restructuring process.

Relevant Drivers for Customers` Churn and Retention Decision in the Nigerian Mobile Telecommunication Industry

Directory of Open Access Journals (Sweden)

Sulaimon Olanrewaju Adebiyi

2016-09-01

Full Text Available The need for better support marketing decision on customers who are likely to leave a service provider for a competitor is very essential to the survival of most telecommunication firms. The application of logistic regression to the study of customer churn and retention decision in the Nigerian telecommunication industry falls into proactive methods, which helps in a better understanding of the needs of subscribers, to be able to predict their churn and retention decision in the industry and enhance better marketing strategies with a research driven policy guide for the operators in the industry. The purpose of this study is to ascertain the relevant drivers of customers` churn and retention in the growing Nigerian mobile telecommunication industry. Considering this issue, the logistic regression models have been used as the evaluating method. Four hundred and eight questionnaires have been used in this study. The population of this questionnaire consists of subscribers of mobile telecommunication in the six selected campuses of higher institution of learning in Lagos-state, Nigeria. The data collected was analysed by STATA 12 software. The results showed that the coefficients of mobile number portability (MNP services and dubious promotions are positive and significant. Furthermore, low coverage and unwanted calls and SMS are positive and significant. This implies that the better the availability of MNP services, the greater the likelihood of customers’ churn. More so, an increase in quality of calls provided by mobile telecom firms will increase the likelihood of customers’ loyalty by retention. The study recommends strong institutional measures for the overhaul of mobile services provision towards an improved service delivery in Nigeria.

Knowledge Banking in Global Education Policy: A Bibliometric Analysis of World Bank Publications on Public-Private Partnerships

Science.gov (United States)

Menashy, Francine; Read, Robyn

2016-01-01

As a leading mobilizer of international development and educational knowledge, the World Bank has been critiqued in two key areas: (1) the dominance of economic thinking in its policies, and (2) its Northern-generated knowledge which informs its work in the Global South. In this paper, we investigate the disciplinary foundation of Bank knowledge,…

Sustainable individual mobility - critical choices for government and industry. Proceedings

Energy Technology Data Exchange (ETDEWEB)

Anon,

1996-11-01

The Alliance for Global Sustainability, a partnership between the Massachusetts Institute of Technology, the Tokyo University and the Swiss Federal Institute of Technology, planned the International Conference on `Sustainable Individual Mobility - Critical Choices for Government and Industry` to be held in November, 1996. The conference had to be cancelled. However, nearly all authors delivered their papers which are now published in this volume. The five planned sections dealt with the following topics: sustainable individual mobility, long term worldwide demand scenarios to the year 2020, how to satisfy demand, assessment of impact `supply-demand`, and policies. (author) figs., tabs., refs.

Macroeconomy and Banks' Profitability in Nigeria

African Journals Online (AJOL)

Nneka Umera-Okeke

Bank regulators in Nigeria increased the minimum share capital of banks more than five times between ... the beginning of a new era of banking industry consolidation in Nigeria. Prior to this ...... IMF Staff Papers, 51(1), 96–122. Demirgüç-Kunt ...

The efficiency of bank branches

OpenAIRE

Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

2015-01-01

Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

Adoption and Business Value of Mobile Retail Channel: A Dependency Perspective on Mobile Commerce

Science.gov (United States)

Chou, Yen-Chun

2013-01-01

Forrest Research estimated that revenues derived from mobile devices will grow at an annual rate of 39% to reach $31 billion by 2016. With the tremendous market growth, mobile banking, mobile marketing, and mobile retailing have been recently introduced to satisfy customer needs. Academic and practical articles have widely discussed unique…

Mobile robotics application in the nuclear industry

Energy Technology Data Exchange (ETDEWEB)

Jones, S.L.; White, J.R. [REMOTEC, Inc., Oak Ridge, TN (United States)

1995-03-01

Mobile robots have been developed to perform hazardous operations in place of human workers. Applications include nuclear plant inspection/maintenance, decontamination and decommissioning police/military explosive ordinance disposal (EOD), hostage/terrorist negotiations and fire fighting. Nuclear facilities have proven that robotic applications can be cost-effective solutions to reducing personnel exposure and plant downtime. The first applications of mobile robots in the nuclear industry began in the early 1980`s, with the first vehicles being one of a kind machines or adaptations of commercial EOD robots. These activities included efforts by numerous commercial companies, the U.S. Nuclear Regulatory Commission, EPRI, and several national laboratories. Some of these efforts were driven by the recovery and cleanup activities at TMI which demonstrated the potential and need for a remote means of performing surveillance and maintenance tasks in nuclear plants. The use of these machines is now becoming commonplace in nuclear facilities throughout the world. The hardware maturity and the confidence of the users has progressed to the point where the applications of mobile robots is not longer considered a novelty. These machines are being used in applications where the result is to help achieve more aggressive goals for personnel radiation exposure and plant availability, perform tasks more efficiently, and allow plant operators to retrieve information from areas previously considered inaccessible. Typical examples include surveillance in high radiation areas (during operation and outage activities), radiation surveys, waste handling, and decontamination evolutions. This paper will discuss this evolution including specific applications experiences, examples of currently available technology, and the benefits derived from the use of mobile robotic vehicles in commercial nuclear power facilities.

Mobile robotics application in the nuclear industry

International Nuclear Information System (INIS)

Jones, S.L.; White, J.R.

1995-01-01

Mobile robots have been developed to perform hazardous operations in place of human workers. Applications include nuclear plant inspection/maintenance, decontamination and decommissioning police/military explosive ordinance disposal (EOD), hostage/terrorist negotiations and fire fighting. Nuclear facilities have proven that robotic applications can be cost-effective solutions to reducing personnel exposure and plant downtime. The first applications of mobile robots in the nuclear industry began in the early 1980's, with the first vehicles being one of a kind machines or adaptations of commercial EOD robots. These activities included efforts by numerous commercial companies, the U.S. Nuclear Regulatory Commission, EPRI, and several national laboratories. Some of these efforts were driven by the recovery and cleanup activities at TMI which demonstrated the potential and need for a remote means of performing surveillance and maintenance tasks in nuclear plants. The use of these machines is now becoming commonplace in nuclear facilities throughout the world. The hardware maturity and the confidence of the users has progressed to the point where the applications of mobile robots is not longer considered a novelty. These machines are being used in applications where the result is to help achieve more aggressive goals for personnel radiation exposure and plant availability, perform tasks more efficiently, and allow plant operators to retrieve information from areas previously considered inaccessible. Typical examples include surveillance in high radiation areas (during operation and outage activities), radiation surveys, waste handling, and decontamination evolutions. This paper will discuss this evolution including specific applications experiences, examples of currently available technology, and the benefits derived from the use of mobile robotic vehicles in commercial nuclear power facilities

How do mobile technologies affect work and private lives? The case of Turkish banking professionals

OpenAIRE

Yıldırım, Nihan; Ansal, Hacer

2014-01-01

Mobile technologies (MTs) became important part of infrastructure in service industries. The impacts of MT usage in work are shown to be significant; improving the productivity, responsiveness, effectiveness and flexibility of companies, while reshaping the work place organization and making employees accessible on a 7/24 basis. However, there are great differences in terms of the types and levels of these impacts on organizations and individuals as the industry, region/country changes. Moreo...

Development of a mobile solution for delivering price quotes in the construction industry

OpenAIRE

Andersson, Filip; Pantzar, Anders

2013-01-01

The rapid growth of the mobile consumer market has influenced companies to make their workplace digital and mobile, with the goal to remove ties to a physical workplace, increase productivity, and trivialize tedious tasks. The construction industry is in need of modernization; it is a competitive market and to get a contract it is vital to provide a reasonable price quote fast.This bachelor thesis was performed together with Byggwalle AB in Västerås with the objective to create a mobile solut...

ANTESEDEN ATTITUDE TOWARDS M-BANKING DAN DAMPAKNYA TERHADAP BEHAVIORAL INTENTION TO ADOPT M-BANKING

Directory of Open Access Journals (Sweden)

Titon Adrinanto

2016-02-01

Full Text Available The background of this research was m­banking users in Indonesia is still low despite the mobile phone users in developed and developing countries in the world has increased rapidly since 21st century. Some bank companies in Indonesia has been offering m­banking service but the use of m­banking for financial transaction is still low and limited. The objectives of this research was to analyze the antecedents of attitude towards m­banking and its impact on behavioral intention to adopt m­banking. The design of this research applies hypothesis testing. 200 samples selected from prospective user of 3 government bank. The sampling technique was purposive sampling with cross­sectional study. Data analysis used in this research was collected by questionnaire technique with item of statements for each variable. In order to obtain valid and reliable instrument tool, validity and reliability test has been done. The result of this research conclude that there is positive effect perceived usefulness, perceived ease of use, perceived competence, perceived communication, perceived privacy and security, society influence, and facilitating condition on attitude towards m­banking. This study supports that there is positive influence on attitude towards m­banking on behavioral intention to adopt m­banking.

Electronic Payment Adoption in the Banking Sector of Low-Income Countries

OpenAIRE

Teshome Alemu; Tridib Bandyopadhyay; Solomon Negash

2015-01-01

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low...

Modelling and Scheduling Autonomous Mobile Robot for a Real-World Industrial Application

DEFF Research Database (Denmark)

Dang, Vinh Quang; Nielsen, Izabela Ewa; Bøgh, Simon

2013-01-01

proposes an approach composing of: a mobile robot system design (“Little Helper”), an appropriate and comprehensive industrial application (multiple-part feeding tasks), an implementation concept for industrial environments (the bartender concept), and a real-time heuristics integrated into Mission...... from the real-time heuristics. The results also demonstrated that the proposed real-time heuristics has capability of finding the best schedule in online production mode....

New Factors Inducing Changes in the Retail Banking Customer Relationship Management (CRM and Their Exploration by the Fintech Industry

Directory of Open Access Journals (Sweden)

Kotarba Marcin

2016-01-01

Full Text Available Growing levels of regulation force financial institutions to change their business models toward lower risk levels, higher capital adequacy, service quality, and more stable revenue pools. In parallel with the regulatory changes, the banks are subject to pressure from accelerated technology development and social changes. These two factors influence the behavior of customers and induce changes in the customer relationship management (CRM. Taking the example of retail banking, the factors and their impacts are explained. Additionally, a view on the FinTech industry is presented, highlighting areas where traditional financial institutions are losing market share to technology-savvy and socially oriented new ventures with exceptional CRM capabilities. The conclusion contains proposed strategic actions that need to be undertaken in order to prepare the financial services industry for managing customer relationships in the increasingly technosocial environment.

Factors Affecting Customer Satisfaction in Mobile Telecommunication Industry in Bangladesh

Directory of Open Access Journals (Sweden)

Md. Rahman

2014-06-01

Full Text Available Identification of factors responsible for customer satisfaction is a key concern of marketing scholars and marketers in now a days and it will remain in the future. There is considerable evidence that quality factors affecting customer satisfaction in numerous ways. However, this empirical study is initiated to find out what particular factors responsible for customer satisfaction in the mobile tel- ecommunication industry in Bangladesh. 282 samples have been collected through structured questionnaire; study reveals that service innovativeness, service reli- ability, service competitiveness and service consistency have significant influence on making customer satisfied and the operator’s network/signal coverage, pricing, offering, fulfillment of customer demand, value added service, brand value and op - erators contribution for society have insignificant influences on making customer satisfied at five percent level of significant at multiple regression analysis. On the basis of these findings; study concludes that in promoting customer satisfaction mobile service providers should be concerned for factors responsible for insignifi- cant influence on customer satisfaction and care of those factors have significant influence on promoting customer satisfaction in telecommunication industry in Bangladesh.

MODEL KEBUTUHAN PARKIR MOBIL GEDUNG PERKANTORAN BANK DI KOTA MALANG

Directory of Open Access Journals (Sweden)

Pranoto Pranoto

2012-09-01

Full Text Available Abstract: The Model of Parking Lot Demand for Cars in Bank Office Building in Malang. This research is aimed  to know (l characteristic of car parking lot at bank  office, (2 mathematics model of the demand of parking lot for cars at bank office, and (3 Level of required standard for parking lot at bank office in  Malang. This research is divided into phases, which are: identifying phase, planning phase, acquiring data, analyses and conclusion. The result shows that (l the maximum accumulation of  car parked at  bank office reach at the daytime with duration between 15 -- 30 minutes. Maximum accumulation occurred between 09.30 -- 11.45 WIB, predominated by short-term parking, mostly occurred in 15 minutes; (2 the mathematics model for the parking demand is functioned as Y = 12.7712 + 0.0128 LLE, with R2 = 0.963, and (3 the required standard of car parking lot is one parking lot per 63 sqm total floor area  (minimum and one parking lot per 46 sqm effective floor area.

E-Banking in Pakistan: Issues and Challenges

OpenAIRE

Syed Sheheryar Ali Kazmi; Muhammad Hashim

2015-01-01

Banking sectors are now moving to online banking services, which enable customers to get access to their accounts form their web enable computers to banking online system. The main purpose of this article is to describe the major issue and challenges in the development in online banking industry and also to show the application of electronic banking in Pakistan, through e-banking the banking sectors can reduce the operating cost and provide fast and more better services to their customers and...

Banking Crises and Bank Resolution; Experiences in Some Transition Economies

OpenAIRE

International Monetary Fund

2002-01-01

Like most transition economies, Bulgaria, Lithuania, and Mongolia suffered severe banking crises, which had to be resolved before growth could resume. The macroeconomic and institutional failings that led to these crises are described, and parallels are drawn with the causes of banking crises in industrial and developing countries. Resolving the crises proved technically and politically difficult, and setbacks occurred. Successful resolution required the implementation of a comprehensive and ...

Effects of interest rate, exchange rate and their volatilities on stock prices: evidence from banking industry of Pakistan

Directory of Open Access Journals (Sweden)

Syed Tehseen JAWAID

2012-08-01

Full Text Available This study investigates the effects of exchange rate, interest rates, and their volatilities on stock prices of banking industry of Pakistan. Cointegration results suggests the existance of significant negative long run relationship between exchange rate and short term interest rate with stock prices. On the other hand, positive and significant relationship exists between volatilities of exchange rate and interest rate with stock prices. Causality analysis confirms bidirectional causality between exchange rate and stock prices. Whereas, unidirectional causality runs from short term interest rate to stock prices. Sensitivity analysis confirms that the results are robust. It is suggested that investors should invest in banking sector stocks when exchange rate and interest rates are highly volatile. The result also supports the view that exchange rate and interest rate can be used as an indicator for investment decision making in banking sector stocks.

Mobile banking como novo canal de disseminação de informações e disponibilização de serviços: um teste da teoria do comportamento planejado decomposto

Directory of Open Access Journals (Sweden)

Deborah Oliveira Santos

Full Text Available Investigou-se os antecedentes atitudinais da intenção de uso do mobile banking por clientes bancários, adotando-se a teoria do Comportamento Planejado Decomposto como referencial teórico. Na fase conclusiva da pesquisa, com 515 respondentes, aplicou-se a modelagem de equações estruturais. O modelo teórico foi sustentado empiricamente, porém necessita de aperfeiçoamentos. Cerca de 74% da variação na intenção de uso do mobile banking foi explicada pelo modelo, em que o construto segurança foi acrescentado.

Application of Business Intelligence in the Banking Industry

OpenAIRE

Bogdan Ubiparipović; Emina Đurković

2011-01-01

A highly dynamic market, changing client demands, fierce competition, the necessity of strict control and risk management are only some of the characteristics of the business environment where modern banks conduct their operations. Better management and better decision-making process make the difference between the successful and the unsuccessful on the market with these characteristics.Business intelligence solutions for banks should provide the decision makers from all business segments of ...

Urban Cooperative Banks :At CrossRoads

OpenAIRE

Nagarajapillai, Ramu

2008-01-01

Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from the competition from large commercial banks. Recently, Indian banking industry has witnessed failure of a large number of Urban Cooperative banks. What are the reasons for these failures and what lays a...

isk governance: Experience of Islamic banks

OpenAIRE

Siti Rohaya Mat Rahim; Fauziah Mahat

2015-01-01

Risk governance has evolved tremendously in the banking industry. Risk governance recommends the imperative roles of Chief Risk Officer (CRO) to oversee risk. This study explores risk governance influence over the Islamic banks performances. Multivariate analysis techniques measure simultaneously via Structural Equation Modelling (SEM). This study employed cross-sectional sample of 200 Islamic banks across 21 countries for the year 2014. To examine risk governance and Islamic banks performanc...

Bank service quality in private sector: Evidence from Iran

Directory of Open Access Journals (Sweden)

Niloufar Asgarian

2013-02-01

Full Text Available Service quality plays an important role in service industries such as banks, insurance firms, etc. The purpose of this paper is to investigate level of service quality in private banking industry in Iran. The proposed model of this paper uses SERVQUAL tool for measuring service quality and population of this study includes customers of three private banks in Tehran. Results show that except efficiency, other variables of SERVQUAL obtained suitable level mean in this study. As a result, with the development of electronic commerce, internet banking has become an alternative for developing, operating and offering bank services.

Penerapan Business Continuity Pada Bank Central Asia

OpenAIRE

Chandra, Keefe Darius

2017-01-01

Banks are financial institutions that have a major impact on the economic system and can affect people's lives. Hence, regulators concerned in organizing business continuity of the banking industries. PT. Bank Central Asia, Tbk. (BCA) represents businesses in the banking sector that can not escape from the natural and man threats which can interfere the bank's business. This case study presents a glimpse of how the business continuity run in BCA. Moreover, business continuity in banking can n...

Mapping of unknown industrial plant using ROS-based navigation mobile robot

Science.gov (United States)

Priyandoko, G.; Ming, T. Y.; Achmad, M. S. H.

2017-10-01

This research examines how humans work with teleoperated unmanned mobile robot inspection in industrial plant area resulting 2D/3D map for further critical evaluation. This experiment focuses on two parts, the way human-robot doing remote interactions using robust method and the way robot perceives the environment surround as a 2D/3D perspective map. ROS (robot operating system) as a tool was utilized in the development and implementation during the research which comes up with robust data communication method in the form of messages and topics. RGBD SLAM performs the visual mapping function to construct 2D/3D map using Kinect sensor. The results showed that the mobile robot-based teleoperated system are successful to extend human perspective in term of remote surveillance in large area of industrial plant. It was concluded that the proposed work is robust solution for large mapping within an unknown construction building.

Managing Disruptive Innovation through Service Systems – The Case of Crowdlending in the Banking Industry

OpenAIRE

Blohm, Ivo; Haas, Philipp; Peters, Christoph; Jakob, Thomas; Leimeister, Jan Marco

2016-01-01

The Internet has affected and partially radically changed the business models of traditional industries. Crowdfunding as a new concept of funding over the Internet by a large crowd has especially gained maturity. Crowdfunding offerings range from funding charitable projects or innovative gadgets to a funding alternative for start-ups or small businesses. Therefore, crowdfunding represents an innovative way to provide liquidity for illiquid markets. With regard to the banking crisis and the gr...

Analisis Penerapan Akuntansi Musyarakah terhadap PSAK 106 pada Bank Syariah X

OpenAIRE

Muhammad Yusuf

2012-01-01

Islamic accounting standard is necessary in order to support the development of Islamic banking since it becomes the key to success standard Islamic bank in serving the community. Information provided by Islamic banks can be either financial reports or information of Islamic banking products. Broadly speaking, these products funding and lending of Islamic banks mobilize funds are grouped in a scheme consisting of the principles of Islamic banks are wadi'ah financing and mudarabah financing. T...

The Future of Banking: From Scale & Scope Economies to Fintech

OpenAIRE

Boot, A.W.A.

2017-01-01

Information technology plays a leading role in the transformation of banking. The deepening of financial markets has profoundly affected the business of banking. The recent focus on fintech – basically, new technology-driven players entering the financial services industry – is the latest manifestation of the impact of information technology on the industry. This paper will focus on the structure of the banking industry going forward. We will try to draw lessons from the (older) literature on...

Applying Technology Management concepts in analyzing e Waste, sustainability and technology development in Mobile Industry: A conceptual perspective

OpenAIRE

Lasrado, Lester Allan; Agnihothri, Subodh; Lugmayr, Artur

2013-01-01

In the highly globalized, competitive and technocrat world, mobile industry is heavily focused on making itself sustainable. In order to achieve this focus should be on improving the e waste management in the industry. Currently the industry is advanced beyond market demand in delivery services to customers in terms of ICT and smart phones. This research paper is trying to conceptualize the aspect of technology management by comparing technology advancement of mobile phone technology and the ...

A model of customer loyalty in the retail banking market

Directory of Open Access Journals (Sweden)

Hadi Hajiyan

2016-04-01

Full Text Available During the past two decades, there has been growing trend in Iranian banking industry due to change in banking regulations. Private sector has grown rapidly and there have been several new banks on the market, which has created very competitive market. Therefore, customer loyalty is the key factor for running a successful banking business and customer relationship management (CRM appears to be important for the success in this industry. The primary objective of this paper is to investigate the relationship between CRM and customer loyalty in one of the oldest Iranian banks named Bank Melli Iran. The proposed study prepares a questionnaire in Likert scale and distributes it among some regular customers of this bank. The preliminary results of this survey have indicated that consumer’s gender, age and educational background had no meaningful impact on quality of services. In other words, people with different personal characteristics expect the same quality of services from banking industry and there is a positive and meaningful relationship between quality of services and customer loyalty.

A Survey Study on Customer Experience in Banking Cash Management Products and, Participation Banking Example

Directory of Open Access Journals (Sweden)

Cüneyt DİRİCAN

2016-04-01

Full Text Available Banking as a safe bridge of risk management balances relation between deposit and loan. In the growing trend of interest-free banking Turkey practice, Participation Banking is working to fix the expectations of customers with reasonable solutions. For corporate customers with comprehensive cash management expectations, producing appropriate and fast solutions are important for a positive and sustainable customer experience. Cash Management covers collection of trade receivables and short -term debt payments. In this study, in the light of the financial ratios of participation banking within the banking industry, a participation bank customers' experiences and expectations in cash management products and services were evaluated with the survey methodology and its importance were also examined.

Banking on industry: the impact of financial services on regional industrial structure and development

NARCIS (Netherlands)

Bos, Jaap W.B.; Degl'Innocenti, Marta

2017-01-01

We investigate the extent to which local banking market characteristics can explain where small enterprises (SEs) are located and how they thrive. We start from a simple theory that explains the channels along which local banking market structure can affect the growth of SEs. Subsequently, we make

Evaluating the Effect of Lead Time on Quality Service Delivery in the Banking Industry in Kumasi Metropolis of Ghana

Directory of Open Access Journals (Sweden)

Stephen Okyere

2015-07-01

Full Text Available Customers are becoming more attracted to quality service delivery and are being impatience and unsatisfied when they had to be delayed or wait for longer times before they are served.  Hence, Quality Service Delivery is of utmost importance to every service organisation especially financial industry. Most financial institutions focus attention on product innovation at the expense of lead time management which is a major factor in ensuring service quality and customer satisfaction. Consequently, this research looks at evaluating the effect of lead time on quality service delivery in the Banking Industry in Kumasi Metropolis of Ghana. The study relied on Primary data collected through questionnaires, observation and interview instruments, administered to staff and customers of some selected branches of a commercial bank in the study area. The data was analysed qualitatively. The researchers realised that despite the immense importance of lead time on quality service delivery, little attention is given to the concept. It was revealed that, customers were dissatisfied with the commercial bank’s services as a result of the unnecessary delays and queuing at the bank premises. The long lead time was found to be attributable to plant/system failure, skill gap on the part of employees, ATM underutilization and frequent breakdowns, among others. This has consequently resulted into long lead time, waiting, queuing and unnecessary delay at the banking hall. It is recommended that Tellers should be provided with electronic card readers for verification of customer’s data and processing to be faster.

The Rise of Mobile Technology on the Financial Sector in Zimbabwe

Directory of Open Access Journals (Sweden)

Paul Mupfiga

2017-07-01

Full Text Available The emergence of technology has revolted the way that the financial industry operates and the increasing use of mobile gadgets has changed the banking system from the traditional brick and mortar building to a virtual system. The sudden rise in use and innovation of smart mobile phones, mobile personal computers, tablets and various other mobile electronic gadgets has resulted in the rise of mobile financial products. Rapid quickening innovative headways are making completely new business suggestions, for example, crowd financing, shared loaning, advanced monetary forms, versatile managing an account, online speculation and new instalment frameworks. Zimbabwe's mobile technology use is currently on the rise too as mobile service providers like Econet are enabling the connection between consumers and financial related products. Despite the fact that innovation without a doubt brings benefits, prominent specialized disappointments in the money related part lately are disturbing and several negative factors are to some extent affecting production. Drawbacks like cybercrime, resistance to change, and compatibility of mobile gadgets are affecting the information technology environment. This paper highlights the rise of mobile technology in the financial sector in Zimbabwe.

A REVIEW ON DATA MINING IN BANKING SECTOR

OpenAIRE

Vikas Jayasree; Rethnamoney Vijayalakshmi Siva Balan

2013-01-01

The banking industry has undergone various changes in the way they conduct the business and focus on modern technologies to compete the market. The banking industry has started realizing the importance of creating the knowledge base and its utilization for the benefits of the bank in the area of strategic planning to survive in the competitive market. In the modern era, the technologies are advanced and it facilitates to generate, capture and store data are increased enormously. Data is the m...

Determinants of Bank Acquisitions in ASEAN

OpenAIRE

Ng, Seok Lee

2013-01-01

A considerable number of acquisitions have taken place in the ASEAN banking industry from the 1997 Asian financial crisis onwards. The trend raises the question as to what ex-ante factors motivate the involvement of banks in acquisitions, as existing literature indicates inconclusive benefits from M&As. As such, the study examines the determinants of acquisitions for 47 acquired banks and 33 acquiring banks in ASEAN from 2003 to 2011. Three logistic regressions are employed to identify the ba...

Essays in Banking and Corporate Finance

NARCIS (Netherlands)

T. Wang (Teng)

2015-01-01

markdownabstract__Abstract__ This dissertation bundles three empirical studies in the area of corporate finance and banking. These studies investigate corporates’ financing activity with a special focus on the interaction between the banking industry and corporate borrowers. By showing how

Liberalisation of the Banking Industry in Tanzania: Issues and ...

African Journals Online (AJOL)

In Tanzania, as in many other developing countries, banks play a predominant role in the financial sector of the country as far as mobilisation and allocation of financial resources is concerned. The question that deserves attention however, is whether and to what extent foreign banks have been playing a positive role in the ...

Digital disruption of the banking industry: Threat or opportunity?

Directory of Open Access Journals (Sweden)

Krstić Nataša

2016-01-01

Full Text Available If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector analyses are showing that future profits will be redirected towards those financial organizations which successfully deploy digital technologies for process automation and as analytical tools, create new services and values for their clients who want their bank to be accessible at all places and all times, and which transform their organizational culture to an agile and innovation-oriented one. Successful banking strategies will be based on understanding how digital business transformation can create new value - on market changes brought by fin-tech innovators, on comprehensive understanding of customer habits and expectations, and setting up investments into digital business as the key priority.

Excellency in banking services - A new road map for banks in the emerging new competition

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

Internet Banking in Romania at a Glance

Directory of Open Access Journals (Sweden)

Silvia Ghita-Mitrescu

2016-01-01

Full Text Available The development of the information and communication technologies and the changes brought to the business models by introducing the use of internet services in the recent decades could not be ignored by the banking industry. The emergence and the development of the internet banking have raised many questions to both academia and industry representatives, both in terms of the benefits of the new organizational models based on providing financial services online and the degree of penetration of these services at the national economy level. This paper aims to make an analysis of the extent to which the internet banking services are used in Romania. The analysis took into account various criteria for the classification of internet banking users (age, residence, occupational status. The study showed that the use of the internet banking services in Romania is still below the European average but has an upward trend.

Impact of Disruptive Innovations on Mobile Telecom Industry in Lebanon

Directory of Open Access Journals (Sweden)

Wael Bakhit

2016-04-01

Full Text Available The telecommunication industry is different from other industries in the basis of innovation rate. This industry continuously provides end users with new technological generations and disruptive technologies. Due to the complexity of the nature of the product served, telecommunication industry is an important case to study in order to explain the real reasons for the challenges facing telecom companies. Researching in this area will explain why some companies survive while others fail. The wide range served technology innovations is most likely to result in rapid mutation of consumers’ spending habits thus directly influencing the mobile phone companies. The aim of this is to test the reliability of innovations and its impact on companies’ profitability. For that purpose, a survey with 200 end users and 20 employees from two telecom providers (“Alfa, and “Touch” was conducted to investigate various disruptive and conventional means and their impact on the financial performance of telecom industry. The results show that most of the revenue of telecom industry comes from usage of data while the industry is lacking for competition, and quality services while charging high tariffs for customers. Currently customers are migrating to data, therefore performing a pressure on the industry to improve its services. To conclude, network operators need to decide what to they want to sacrifice and how far they want to go to reach targeted results.

Dilemma of deposit insurance policy in ASEAN countries: Does it promote banking industry stability or moral hazard?

Directory of Open Access Journals (Sweden)

Suhal Kusairi

2018-03-01

Full Text Available The goal of this article is to investigate the influence of deposit insurance policy on the stability of the banking industry. Stability is measured by the ratio of retail deposits to total assets and the ratio of loans to total assets to cover both positive and negative impacts, and deposit insurance policy is assessed in various stages. The survey uses a data panel of 127 commercial banks from 2000 to 2013 in six member countries of the Association of Southeast Asian Nations (ASEAN. Using a dynamic panel data investigation, we obtain results showing that the implementation of deposit insurance policy negatively affects the ratio of retail deposits to total assets while positively influencing the ratio of loans to total assets. This is an important finding, as it implies that deposit insurance policy causes bank managers to take greater risks to increase their returns, rather than increasing the confidence level of depositors and ultimately increasing total deposits. This result is important for regulators as they evaluate deposit insurance policy and anticipate any negative outcomes that might follow.

Human Resource Management and Employee Job Satisfaction: Evidence from the Nigerian Banking Industry

Directory of Open Access Journals (Sweden)

Osibanjo, Omotayo Adewale

2012-06-01

Full Text Available The paper examines the effect of human resources management (factors on employees’ job satisfaction using data collected from two banks in the Nigerian banking industry. The study attempts to determine the effect of training and development on employee job satisfaction; to determine the influence of working conditions on employee job satisfaction and to determine the impact of human resources factors on employee job satisfaction. The survey instrument used in the collection of data was the questionnaire. The population of the study covered the entire staff of Intercontinental and Ecobank and the sample size of 200 employees were selected, using the simple random sampling techniques. Correlation and Regression analysis was adopted and the data generated was in line with the objectives of the study. The hypotheses were tested, and valid result was achieved i.e. Human Resources Management has an effect on employee job satisfaction. This suggests that for organization to develop, it must invest more in the human capital. The business environment is dynamic and there is need for organizations to adopt strategies to motivate and equip their staff, so as to ensure their loyalty and be source of competitive advantage.

World bank's role in the electric power sector: Policies for effective institutional, regulatory, and financial reform. World Bank policy paper

International Nuclear Information System (INIS)

1993-01-01

The policy paper is based on the World Bank Industry and Energy Department's ongoing policy and research work, which (1) examines experiences of industrial countries and the Bank's borrowers in developing their power sectors, (2) analyzes issues facing these sectors, and (3) describes options for dealing with these issues in developing countries. The paper is supported by a large body of research

Financial Integration Through Benchmarks: The European Banking Sector

NARCIS (Netherlands)

G.A. Moerman (Gerard); R.J. Mahieu (Ronald); C.G. Koedijk (Kees)

2004-01-01

textabstractEuropean banking regulation has been harmonized to a high degree over the last few decades. Nevertheless, the European banking industry remains fragmented as shown by the relatively high market shares of banks in their home countries. In this paper we concentrate on the integration

A survey on important factors influencing brand equity: A case study of banking industry

Directory of Open Access Journals (Sweden)

Saeed Sehhat

2013-01-01

Full Text Available One of the most important issues in increasing customers' needs is to increase the quality of services through providing better quality services. Customer satisfaction is one of the primary requirements to meet people's needs and to have an efficient customer relationship management (CRM we need to detect the most important factors influencing efficiency and effectiveness in banking industry. In this paper, we present an empirical study to detect these factors in one of private banks in Iran. The proposed study of this paper tries to reach three objectives. We first detect important factors, which build customers' perception towards CRM, then we detect all influencing factors, which impact CRM, and finally, we evaluate the impact of CRM towards brand equity. The proposed study first designs a questionnaire and distributes it among 386 customers. Using structural equation modeling and certified factor analysis, we analyze the results. The results indicate that three factors including information, employee job behavior and suggestions and other factor have meaningful impact on customer brand equity. However, the impact of equipment on customer brand equity was not meaningful.

Mobile marketing for mobile games

OpenAIRE

Vu, Giang

2016-01-01

Highly developed mobile technology and devices enable the rise of mobile game industry and mobile marketing. Hence mobile marketing for mobile game is an essential key for a mobile game success. Even though there are many articles on marketing for mobile games, there is a need of highly understanding mobile marketing strategies, how to launch a mobile campaign for a mobile game. Besides that, it is essential to understand the relationship between mobile advertising and users behaviours. There...

Factors Determining Bank Competitive Strategy: An Empirical Study on Local Development Banks (LDBS in Indonesia

Directory of Open Access Journals (Sweden)

Ahmad IRFAN

2017-12-01

Full Text Available Many studies have been investigating determinants of the company's competitive strategy. Nevertheless, there have insufficient studies conducted to investigate the determinants of competitive strategy on banking industry, particularly on Local development banks (LDBS. This study is aimed at filling in the literature. This study surveyed top executives of twenty-six local development banks in Indonesia and employed PLS approach to answer the research questions. The result shows that three groups of variables, i.e., innovation management, company resource management, and adoption of technology influence the development of competitive strategy in local development banks.

Interest and gharar in Islamic banking

Directory of Open Access Journals (Sweden)

Milenković Ivan

2016-01-01

Full Text Available Islamic banking is relatively unknown to us. Although Islamic banking is only a segment or a 'niche' of the overall banking industry and banking market, its significance is rising steadily, and it will play an important role in the near future. Islamic banks, especially in light of the latest economic and political developments in Serbia (Etihad's acquisition of JAT, the project 'Belgrade Waterfront', etc. are not so far away from the Serbian banking system, so it is necessary to understand the basic forbidden categories in it, which is the main topic of this paper. Interest and gharar, which is a category in Islamic banking that is much broader, more comprehensive and more ambiguous than risk or speculation, are discussed in details.

The prioritization of open innovation determinants in banking

Directory of Open Access Journals (Sweden)

Tornjanski Vesna

2015-01-01

Full Text Available The research scope of the paper is prioritization of open innovation determinants in banking industry using an integrated application of qualitative and quantitative methods in the evaluation process. The research methods were implemented to compound the depth of experts' knowledge and experience on the one hand, and the precise mathematical reasoning, on the other, thus creating the objective and accurate basis for effective decision making. The overview of determinants of open innovations in banking industry has been obtained from the literature overview and the Delphi study conducted among 51 experts from banks in Serbia. Fifteen significant determinants within five dimensions were further evaluated through AHP decision-making method to prioritize them toward the development of the open innovation in banking. The research results show that effective application of open innovation in banking lies in formal reinforcement by management to integrate innovation into organizational policies and in designing dual structures that facilitate the initiation and implementation of an innovation, i.e. building an ambidextrous organization. The research findings and results introduced in this paper can be usefully applied and widely used by both academics and practitioners who are interested in applying the open innovation concept in banking industry.

Court upholds $405,000 award against blood banking industry.

Science.gov (United States)

1995-06-30

The New Jersey Superior Court has ruled that the American Association of Blood Banks (AABB), the nation's largest blood bank trade group, was negligent during the early 1980s when it recommended that blood banks not screen and test donors to reduce the chance of HIV contamination of the nation's blood supply. [Name removed], who received HIV-contaminated blood in 1984 as a result of a transfusion at St. Joseph's Hospital in Paterson, sued and reached out-of-court settlements with his doctors and the Bergen Community Blood Center, which provided the blood. Only the AABB suit proceeded to trial, with the jury finding that one-third of the damages were attributable to the AABB's actions. In 1983, the Centers for Disease Control and Prevention (CDC) suggested that blood banks might reduce the risk of AIDS entering the blood supply by using the surrogate hepatitis B test. The AABB, the American Red Cross, and the Council of Community Blood Centers recommended against testing, saying that evidence of transmission by blood was inconclusive and unproven. In March 1985, the AABB adopted the ELISA test. This is the first time the AABB has been held responsible; the AABB said it may appeal the decision. The court disagreed with AABB's claim that it was immune from liability because it was a charity, saying it also performs a critical governance function in respect of the operation of blood banks. The decision puts considerable liability for the U.S. cases of HIV contracted through tainted blood transfusions on the AABB.

Bank Bailouts and Moral Hazard : Evidence from Germany

NARCIS (Netherlands)

Dam, L.; Koetter, M.

We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout expectations on bank risk, we exploit the fact that regional political factors explain bank bailouts but not

Pengembangan Dana Zakat, Infak, Shadaqah dan Wakaf Terhadap Pertumbuhan Industri Keuangan Non Bank Syariah

Directory of Open Access Journals (Sweden)

Makhrus Ahmadi

2017-12-01

Full Text Available Penelitian ini bertujuan untuk mengetahui dan mempelajari upaya pengembangan zakat, infak, shadaqah dan wakaf (Ziswaf kedalam program yang lebih bersifat jangka panjang, bentuk akad yang tepat dalam melakukan sindikasi program lintas lembaga Ziswaf dan keuangan syariah, serta bentuk integrasi program lembaga ziswaf dengan Industri Keuangan Non Bank yang berbasis syariah. Penelitian ini merupakan penelitian deskriptif kualitatif dengan menggunakan metode analisis isi (contens analysis, sedangkan teknik pengumpulan datanya menggunakan dokumentasi dan kecukupan referensi. Analisis data yang digunakan dalam penelitian ini adalah data yang diperoleh dan disajikan secara diskriptif. Selain itu, kecukupan data-data perpustakaan yang dipelajari telah dikumpulkan sebelumnya serta data yang sudah terkumpul dianalisis secara kualitatif dengan metode deduktif dan induktif.   Hasil penenelitian ini menunjukkan bahwa upaya pengembangan zakat, infak, shadaqah dan wakaf (Ziswaf kedalam program yang lebih bersifat jangka panjang dilakukan dengan memperkuat program dalam berbagai sektor. Oleh sebab itu, diperlukan pola dan bentuk program yang lebih kreatif dalam penyediaan program pemberdayaan masyarakat, sehingga dana yang terkumpul sebagai tidak terlalu banyak terserap dalam kegiatan charity, melainkan dapat dioptimalkan dengan menyediakan program yang lebih memberdayakan mustahik/dhuafa dalam jangka panjang. Bentuk akad yang tepat dalam melakukan sindikasi program lintas lembaga Ziswaf dan keuangan syariah dapat dilakukan dengan akad percampuran dalam hukum islam sebenarnya lebih dikenal dengan istilah syirkah atau musyarakah. Sementara bentuk integrasi program lembaga ziswaf dengan Industri Keuangan Non Bank yang berbasis syariah dapat dilakukan bila terjalin kerjasama dalam pelaksanaan pilot project yang memungkinkan lembaga yang terlibat aktif sesuai dengan kapasitas dan kemampuan yang telah ditentukan sebelumnya. Kata-kata kunci : zakat, wakaf, keuangan

Penerapan Dan Pengelolaan Manajemen Resiko (Risk Dalam Industri Perbankan Syariah: Studi Pada Bank BUMN dan Bank Non BUMN

Directory of Open Access Journals (Sweden)

tasriani tasriani

2016-08-01

Full Text Available This study used a qualitative research method that is research that aims to build a preposition and explain the meaning behind the social reality that happened. This research is digging deeper into the application of Islamic banking risk management at the Bank of SOEs and non-SOEs Bank. The focus of the studies in this research are: Practice implementation and governance of risk management, risk management practices carried out by Islamic banking has been able to reduce the risk of loss, and compliance with Islamic law (principle / principle of Islamic transactions.The results showed that banks in Indonesia have entered into the era of integrated risk management (integrated management and risk-based supervision (risk based supervision. All products are issued by Bank Sharia SOEs and non-SOEs supervised by the Financial Services Authority (FSA and Sharia Supervisory Board (DPS in accordance with the functions and authority of each institution. The application of risk mitigation is happening in Islamic banking there is a risk that originated from internal employees or company caused by itself and external customers. The most highest risk of murabahah financing. The principle in Islamic transactions to the principles of fraternity, justice, welfare, balance and universality has been applied. Risk mitigation financing is done on fiduciary risk as the risk that is legally responsible for breach of contract investments of incompatibility with the provisions of sharia or mismanagement (mismanagement to the investor funds.

A study on influencing factors on brand loyalty: A case study of Mobile industry

Directory of Open Access Journals (Sweden)

Bahman Dehestani

2013-07-01

Full Text Available Brand loyalty plays essential role on product development especially in mobile industry. In this paper, we present an empirical survey to study the effects of different factors including brand associate, brand awareness, distribution intensity and quality perception on brand loyalty. The proposed model of this paper is examined by designing a questionnaire consists of 16 questions in Likert scale and distributing it among 200 people who use a particular brand in mobile industry called Nokia. The results are analyzed using structural equation modeling where Cronbach alpha is calculated as 0.84. The results indicate that there is a positive relationship between perception quality as well as brand awareness and brand loyalty. In addition, there is a positive relationship between brand awareness and perception quality.

The harmonization of banking legislation in the EU

Directory of Open Access Journals (Sweden)

Shkëlqesa Çitaku

2016-03-01

Full Text Available This paper attempts to assess the current legislation of banking in the European Union. The process of unification in Europe is also followed by efforts to harmonize and unify the laws of the member states. In the field of banking industry the precondition for harmonization of laws is the integration of internal market with the free movement of capital. The regulation and supervision of banks in EU still remains fragmented. European member states still have diverse regulations concerning the role of the state. The European Commission has the important function of proposing EU legislation on financial services including banks and ensuring that EU law is properly applied throughout the EU. Banks are considered as a key industry enabling all the economic activities via depositing, crediting and arranging of payments. A number of secondary legislation has been adopted by the EU institutions to harmonize the national banking law of Member States. The principles and objectives set by the European Commission Treaty depend on four EU freedoms with the aim of effective and open market including banks. Therefore it was a continuous process of harmonization of national banking regulation via secondary law since the 70’s.

Commercial Activity or Banking Competition?

Directory of Open Access Journals (Sweden)

Rose-Marie Pușcaciu

2015-12-01

Full Text Available The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

Liberalization, Bank Governance, and Risk Taking

NARCIS (Netherlands)

M. Illueca (Manuel); L. Norden (Lars); G.F. Udell (Gregory)

2011-01-01

textabstractWe study the effects of the interplay between deregulation and governance on risk taking in the financial industry. We consider a large natural experiment in Spain where the removal of regulatory geographic constraints for savings banks led to a nationwide expansion of these banks during

BENCHMARKING INCIDENCE OF DISTRESS IN THE NIGERIAN BANKING INDUSTRY ON ALTMAN SCALE

Directory of Open Access Journals (Sweden)

Oforegbunam Thaddeus Ebiringa

2011-11-01

Full Text Available This paper applied the Altman’s model in the prediction of distress in the Nigerian bankingindustry. Three banks (Union bank, Bank PHB and Intercontinental Bank declared distress duringthe period of the study were used as case studies. Four years financial statistics prior to distress wasused to compute the most discriminating financial ratios that were substituted into the Altman’smodel. The result of the analysis shows that Altman’s model significantly predicted the distress stateof each of the bank at 0.001level. The implication being that Altman’s model can be validly appliedin the prediction of the health state of banks in Nigeria. The paper recommends for further researchon the domestication and adaptation of the model in order to improve its predictive ability.

Trajectory planning and optimal tracking for an industrial mobile robot

Science.gov (United States)

Hu, Huosheng; Brady, J. Michael; Probert, Penelope J.

1994-02-01

This paper introduces a unified approach to trajectory planning and tracking for an industrial mobile robot subject to non-holonomic constraints. We show (1) how a smooth trajectory is generated that takes into account the constraints from the dynamic environment and the robot kinematics; and (2) how a general predictive controller works to provide optimal tracking capability for nonlinear systems. The tracking performance of the proposed guidance system is analyzed by simulation.

Factors Affecting Customer Satisfaction in Mobile Telecommunication Industry in Bangladesh

OpenAIRE

Md. Rahman

2014-01-01

Identification of factors responsible for customer satisfaction is a key concern of marketing scholars and marketers in now a days and it will remain in the future. There is considerable evidence that quality factors affecting customer satisfaction in numerous ways. However, this empirical study is initiated to find out what particular factors responsible for customer satisfaction in the mobile tel- ecommunication industry in Bangladesh. 282 samples have been collected through structured ques...

A study of STP strategies of Chinese retail banking industry for competitive advantage

OpenAIRE

Wen, Manqing

2006-01-01

This dissertation reports on the research in how Chinese domestic banks use Segmentation, Targeting and Positioning (STP) strategy for retail banking in the context of anticipated competition after 2006 when the banking business will be fully open to foreign banks. With the full liberalization of China's banking sector due under China's WTO commitments, Chinese domestic banks are faced with the need to increase their competitiveness. This research will start with a literature review conce...

Bank Entry Mode, Labor Market Flexibility and Economic Activity

OpenAIRE

Wang, Teng

2015-01-01

In this paper, I investigate whether information accessibility in the target market influences the mode in which out-of-state banks enter the new market following the U.S. interstate banking deregulation and consequently affects local economic activity. I exploit heterogeneity in legal enforcement of non-compete covenants across states and over time as exogenous variations in the key channel through which an out-of-state bank could gain access to local information: the mobility of local incum...

Structures of mobilization and resistance: Confronting the oil and gas industries in Russia

NARCIS (Netherlands)

Pierk, Simone; Tysyachnyouk, M.

2016-01-01

Drawing on recent developments in the problematic relationship between the oil industry and local communities in the Republic of Komi, we develop a case study of environmental grassroots mobilization in northwest Russia. Using a qualitative methodology comprising semi-structured interviews and

Digital disruption of the banking industry: Threat or opportunity?

OpenAIRE

Krstić Nataša; Tešić Dejan

2016-01-01

If the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector...

The Asymmetric Effects of Monetary Policy and Bank Credits in Taiwan Banking Industry - A Dynamic Panel Data Analysis

OpenAIRE

Jui-Chuan Chang; Ching-Chuan Tsong; Chieh-Tsung Wu

2010-01-01

This paper investigates whether distributional effect arising from the impact of monetary policy on bank credits will be different when monetary policy is asymmetric. Methodologically, we use a set of high frequency panel data for Taiwan commercial banks and adopt Arellano and Bond's (1991) generalized method of moments approach to conduct our empirical analysis. First of all, we investigate whether there exist the distributional effects of monetary policy on bank lending behavior which is as...

E-Banking of Economical Prospects in Bangladesh

OpenAIRE

Mohammad Azizul Baten; Anton Abdulbasah Kamil,

2010-01-01

Now a day’s due to emerging global economy, e-commerce and e-business have increasingly become a necessary component of business strategy and a strong catalyst for economic development. The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. As a third-world developing country, Bangladesh is far behind to reach the expected level in global banking system. So it is our urgent n...

A mobile-device based applications software for industrial gamma radiography

International Nuclear Information System (INIS)

Acharya, Rajesh V.; Mitra, Anant; Kumar, Saroj; Lakshminarayana, Y.; Walinjkar, Parag; Kumar, Umesh

2013-12-01

The paper discusses a mobile device based application software for performing calculations required in industrial film radiography using radioisotope sources. The application enables the user to find residual life of a radioactive source, saving multiple source details in the phone memory, exposure time calculation required in gamma radiography and running multiple countdown clocks for accurate and convenient counting of exposure time. The application is also able to provide vibrating and audio alarms when the countdown finishes, automatic SMS facility to multiple users informing details of low activity sources in custody and cordon-off distances for open-source radiography. The application has been developed to work under Android, I-phone (Apple), Blackberry (RIM), Windows, Symbian operating systems and J2ME enabled feature phones. A simplified version of this application with limited features runs on java enabled low-cost mobile phones and tablets. (author)

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

Relevance of Corporate Governance in Nigerian Banks | Akinyomi ...

African Journals Online (AJOL)

Relevance of Corporate Governance in Nigerian Banks. ... PROMOTING ACCESS TO AFRICAN RESEARCH ... Although corporate governance is of general interests to the Nigerian public, that of the banking industry is of particular interest ...

Why Customers Use or Do Not Use Internet Banking: A Case Study of a Community Bank

Science.gov (United States)

Beadnell, Stephen Allen

2014-01-01

The banking industry is being challenged by shareholders and consumers to provide its products in the most efficient manner, provide good customer service, and earn a fair profit. Although the infrastructure is in place to serve most customers through Internet banking, the number of customers using this channel is less than expected. The purpose…

Assessing efficiency and effectiveness of Malaysian Islamic banks: A two stage DEA analysis

Science.gov (United States)

Kamarudin, Norbaizura; Ismail, Wan Rosmanira; Mohd, Muhammad Azri

2014-06-01

Islamic banks in Malaysia are indispensable players in the financial industry with the growing needs for syariah compliance system. In the banking industry, most recent studies concerned only on operational efficiency. However rarely on the operational effectiveness. Since the production process of banking industry can be described as a two-stage process, two-stage Data Envelopment Analysis (DEA) can be applied to measure the bank performance. This study was designed to measure the overall performance in terms of efficiency and effectiveness of Islamic banks in Malaysia using Two-Stage DEA approach. This paper presents analysis of a DEA model which split the efficiency and effectiveness in order to evaluate the performance of ten selected Islamic Banks in Malaysia for the financial year period ended 2011. The analysis shows average efficient score is more than average effectiveness score thus we can say that Malaysian Islamic banks were more efficient rather than effective. Furthermore, none of the bank exhibit best practice in both stages as we can say that a bank with better efficiency does not always mean having better effectiveness at the same time.

Workforce Optimization for Bank Operation Centers: A Machine Learning Approach

OpenAIRE

Sefik Ilkin Serengil; Alper Ozpinar

2017-01-01

Online Banking Systems evolved and improved in recent years with the use of mobile and online technologies, performing money transfer transactions on these channels can be done without delay and human interaction, however commercial customers still tend to transfer money on bank branches due to several concerns. Bank Operation Centers serve to reduce the operational workload of branches. Centralized management also offers personalized service by appointed expert employees in these centers. In...

Critical Financial Analysis of Islamic Bank in the Philippines: Case Study of Amanah Islamic Bank

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Hasmiene Diocolano Ibrahim

2018-01-01

Full Text Available The inspiration to delve into the contemporary status of Islamic banking and finance in the Philippines has led this study to analyze the financial condition of Amanah Islamic Bank (AIB and recommend improvements in its financial performance. This secondary databased study utilizes library research and content analysis, particularly using the capital, asset, management, earnings, and liquidity parameters. AIB is the rebranded version of Al-Amanah Islamic Investment Bank of the Philippines. At present, AIB has nine branches and is the only authorized bank in the Philippines to offer Islamic banking products and services. Presidential Decree No. 542, which was signed in 1974, directed the AIB to implement an Islamic model of banking and financing, particularly following the “no interest principle” and partnership mechanisms. However, this order was not completely implemented because “conventional banking” dominated the AIB’s operation. This study contributes to the continuing effort to convert AIB into a full-fledged Islamic bank and simultaneously contend with the emerging growth of the banking industry.

A study on effective factors influencing on equity risk in banking industry

Directory of Open Access Journals (Sweden)

Mohammad Khodaei Valahzaghard

2014-10-01

Full Text Available Measuring the effects of various factors influencing on risk of return in banking system plays essential role on making managerial decisions. This paper investigates the effects of seven factors including equities, leverage, dividend, size, growth domestic products, bank concentration and market return on risk of return in selected banks listed on Tehran Stock Exchange. The study selects the necessary data through financial statements announced on exchange as well as macro-economic figures reported by central bank of Iran to examine the hypotheses of the survey. Using some regression technique, the study has determined that only bank size and growth domestic product influence significantly on risk of return on Tehran Stock Exchange.

Financial performance after the Spanish banking reforms: A comparative study of 19 commercial banks

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

Full Text Available A diagnostic review of the Spanish financial system during the 2008 financial crisis reveals the emergency need for banking reform in the sector. In an attempt to evaluate the impact of the Spanish reform, the present study examines the bank´s performance before/after the reform was adopted, using data of 19 Spanish commercial banks extracted from the Global Vantage research database (Standard and Poor’s over the period 2006 to 2013. This study uses multivariable regression method to investigate the impact of the CAMELS rating system: capital adequacy, asset quality, management quality, liquidity and sensitivity to market risks on the bank´s performance such as earnings efficiency. The time-line of the study is essential because it helps us to determine the financial performance of Spanish commercial banks before the banking reforms during the financial crisis and an important set in terms of mergers and acquisition in the banking industry. The empirical results have found strong and positive evidence that Capital Adequacy, Management Capacity, Liquidity and Sensitivity to Market Risk are useful predictors of banks performance (earnings efficiency, thus, any reform pilot toward this banking indicators will eventually have a positive impact on banking performance. Base on the present study, the Spanish reform was so vital for better banking performance. Therefore, this study serves not only to academics but also to policy makers

Simulation and Performance Analysis of Lithium Battery Bank Mounted on the Hybrid Power System for Mobile Public Health Center

Science.gov (United States)

Busono, Pratondo; Kartini, Evvy

2013-07-01

Mobile medical clinic has been proposed to serve homeless people, people in the disaster area or in the remote area where no health service exist. At that site, a number of essential services such as primary health care, general health screening, medical treatment and emergency/rescue operations are required. Such services usually requires on board electrical equipments such as refrigerators, komputer, power tools and medical equipments. To supply such electrical equipments, it needs extra auxiliary power sources, in addition of standard automotive power supply. The auxiliary power source specifically design to supply non automotive load which may have similar configuration, but usually uses high power alternator rated and larger deep cycle on board battery bank. This study covers the modeling and dynamic simulation of auxiliary power source/battery to supply the medical equipment and other electrical equipments on board. It consists a variable speed diesel generator set, photovoltaic (PV) generator mounted on the roof of the car, a rechargable battery bank. As an initial step in the system design, a simulation study was performed. The simulation is conducted in the system level. Simulation results shows that dynamical behaviour by means of current density, voltage and power plot over a chosen time range, and functional behaviour such as charging and discharging characteristic of the battery bank can be obtained.

Characterization of Early and Late Adopters of ATM Card in Indian Banking Industry

Directory of Open Access Journals (Sweden)

Kamalpreet Kaur

2012-10-01

Full Text Available The present study deals with affect of adoption pattern of the ATMs by banks on its characteristics. With the exploration of various characteristics of the banks like Size, Profi tability, Efficiency, Cost of Operations, Asset quality and Credit risk, Financing Pattern, Diversifi cation and Age etc.; the study has tried to differentiate between the early and late adopter category of the banks regarding ATM cards. The banks have been categorized into early and late adopters on the basis of their adoption period. For this purpose, 50 scheduled commercial banks consisting of 27 Public Sector Banks and 23 Private Sector Banks have been taken as sample to investigate the various aspects of and early adopter banks in comparison to late adopter banks. The time period of the study is 20 years i.e. from 1991 to 2010. It can be concluded that the initiators and fi rst movers take advantage over the late adopters and laggards. They have found to perform better in terms of various parameters. Overall, the early adopter banks are larger in size, more diversifi ed, having lesser branches, more market share and wide ATM network as compared to late adopter ones. Thus, the empirical results evidently reveal that the both the groups have their own different characteristics.

A Study of Philippine Monetary and Banking Policies

OpenAIRE

Bautista, Ernesto D.

1992-01-01

This study assesses the Philippine monetary and banking policies with the view of identifying preferred policy options and features of a monetary and banking policy program supportive of overall economic growth and agro-industrial development. It describes the following: the impact of existing monetary and banking policy on short- and long-term economic development and the legislative and administrative measures required to adopt and implement such a monetary and banking policy. It also ident...

The Relationship of Corporate and Brand Images, Quality of Services, Customer Satisfaction with Customers Loyalty in Banking Industry

Directory of Open Access Journals (Sweden)

*L. Borhani

2014-12-01

Full Text Available This study aimed at investigating the relationship of corporate and brand images, quality of services, and customer satisfaction with customer’s loyalty in banking industry in Meybod. Data was collected through questionnaires from 180 customers of six banks. Measurement tools were Loyalty Scale, Corporate Image Scale, Brand Image Scale, Customer Satisfaction Scale and Service Quality Scale. The results of correlation and regression analysis indicated that positive relationships exist between loyalty and the following variables: corporate and brand images, quality of services and customer satisfaction (p≤0.008. Also satisfaction was the most powerful predictor of loyalty and addition of corporate image and service quality significantly increased prediction of loyalty (p<0.01. Brand image and age could not predict loyalty and were not entered into analysis.

An empirical study on empowering private bank workers using EFQM

Directory of Open Access Journals (Sweden)

Jafar Beikzad

2012-01-01

Full Text Available Empowering workers play an essential role on increasing productivity in any organization. The service industries such as insurance companies or banks mostly rely on their own people to retain their customers and incomes. The recent increasing trend on the number of private banks in Iran has increased competition among existing banks. The banking industry strives to empower its employees as much as possible in an attempt to maintain market share by not losing its customers. In this paper, we present an empirical study to detect the most important factors empowering bank employees. The study is implemented for a recently established private bank with 228 people with 32 questions where 15 questions are focused on empowering employees. The results are analyzed using statistical tests and descriptive methods. The results indicate that leadership, academic qualification, appropriate policy and strategy, cooperation and processes play important role on empowering and enabling bank's employee.

Determinants of Commercial banks' interest rate spreads in Botswana

African Journals Online (AJOL)

The paper investigated the determinants of commercial banks' interest rate spreads in Botswana using time series cross-sectional analysis for the period of 2004Q1 to 2014Q4. Factors empirically tested are bank-specific, industry-specific and macroeconomic data. Results indicate that bank intermediation, GDP, inflation ...

Was the 2007 crisis really a global banking crisis?

NARCIS (Netherlands)

Shehzad, Choudhry Tanveer; De Haan, Jakob

We argue that the 2007 crisis was not a global banking crisis. Stock prices of banks in emerging countries faced a temporary shock but quickly recovered, while stock prices of banks located in industrial countries remained much lower than before the 2007 crisis. Our results also suggest that stock

Protein Circular Dichroism Data Bank (PCDDB): data bank and website design.

Science.gov (United States)

Whitmore, Lee; Janes, Robert W; Wallace, B A

2006-06-01

The Protein Circular Dichroism Data Bank (PCDDB) is a new deposition data bank for validated circular dichroism spectra of biomacromolecules. Its aim is to be a resource for the structural biology and bioinformatics communities, providing open access and archiving facilities for circular dichroism and synchrotron radiation circular dichroism spectra. It is named in parallel with the Protein Data Bank (PDB), a long-existing valuable reference data bank for protein crystal and NMR structures. In this article, we discuss the design of the data bank structure and the deposition website located at http://pcddb.cryst.bbk.ac.uk. Our aim is to produce a flexible and comprehensive archive, which enables user-friendly spectral deposition and searching. In the case of a protein whose crystal structure and sequence are known, the PCDDB entry will be linked to the appropriate PDB and sequence data bank files, respectively. It is anticipated that the PCDDB will provide a readily accessible biophysical catalogue of information on folded proteins that may be of value in structural genomics programs, for quality control and archiving in industrial and academic labs, as a resource for programs developing spectroscopic structural analysis methods, and in bioinformatics studies. Copyright 2006 Wiley-Liss, Inc.

Financial Efficacy of Selected Public and Private Sector Banks in India

OpenAIRE

M.Sakthi Vadivel; S.Ayyappan,M.Com,MPhil

2013-01-01

The  banks in India have over 67,000 branches located across the country. All these are classified  into two major categories, non-scheduled banks and scheduled banks. Scheduled banks includes   commercial banks and the co-operative banks. The public sector banks are  accountable  for more than 78 percent of total banking industry in India. Even though private sector banks came later into the market, due to their customer servicing and easy banking features they are also competing equally wit...

Concentration and Competition in the Banking Sector of Turkey

Directory of Open Access Journals (Sweden)

Iveta Řepková

2014-05-01

Full Text Available The paper estimates the competitive conditions and concentration in the Turkish banking industry during the period 2002-2010. The period starts after implementation of the comprehensive reform in the banking sector and lasts until culmination of the global financial crisis. The concentration ratio and the Herfindahl-Hirschman index are applied to measure level of concentration. We found the banking sector to be almost non-concentrated with exemption of deposit market where we revealed a slight concentration. However, there is a clear trend of increasing concentration at all segments of the Turkish banking sector over the analysed period. The Panzar-Rosse model is used for estimation of competitive conditions in the banking market. Specifically, we use a panel with data for most of the Turkish banks to estimate the H statistics. We concluded that the Turkish banking sector can be characterized as an industry with monopolistic competition that closely approaches monopoly. The results imply that banks in Turkey do not operate in a competitive environment and enjoy monopoly rents. Moreover, we revealed decreasing level of competition during the entire period of estimation. Such a market structure can pose a threat for efficient intermediation of funds through the banking sector and promoting of economic growth.

ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

Directory of Open Access Journals (Sweden)

Paun Dragos

2010-12-01

Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

The Impact of New Technology on Skills and Skill Formation in the Banking and Textile Industries. NCEE Brief Number 1.

Science.gov (United States)

Bailey, Thomas; Noyelle, Thierry

The subject of this report is the impact of microelectronic technology on the process of skill formation with particular reference to two industries: banking and textiles. A recent research effort sought to identify and understand how changes in the structure and nature of skills were affecting the process of skill formation and the balance of…

Estimation of the competitive conditions in the Czech banking sector

Directory of Open Access Journals (Sweden)

Daniel Stavárek

2011-01-01

Full Text Available The paper uses New Empirical Industrial Organization approach, especially Panzar-Rosse model to estimates the level of competition of the banking industry in the Czech Republic during the period 2001–2009. We apply Panzar-Rosse model to estimate H statistic for a panel of 15 banks, which represent almost 90 % of the market. This paper also measures and compares the degree of banking competition in two sub-periods, 2001–2005 and 2005–2009, in order to investigate development of the competitive structure of the Czech banking industry. We found that the market was in equilibrium during most of the estimation period, which is a necessary condition for sound evaluation of the competition level. While the market can be described as perfectly competitive in 2001–2005, the intensity of competition decreased after joining the EU in 2004 and the market can be characterized as one of monopolistic competition in 2005–2009. The monopolistic competition in the Czech banking market was also revealed if the full sample 2001–2009 is considered.

RMB Business Boost for Foreign Banks

Institute of Scientific and Technical Information of China (English)

WANG PEI

2006-01-01

@@ With the competition over foreign currency loans becoming intensified among foreign and Chinese banks, rivalry on loans made in RMB are seeing a similar trend. Specifically, the local banks' "comfort zone" has been challenged as the country's financial industry opens according to the timetable of WTO agreement, with full opening arriving at the end of this year.

Courts, Clans and Companies: Mobile Money and Dispute Resolution in Somaliland

Directory of Open Access Journals (Sweden)

Nicole Stremlau

2015-08-01

Full Text Available One of the world’s most ambitious experiments in mobile money is underway in the Somali territories. In the absence of a strong central government and internationally recognized banking institutions, remittance companies and the telecoms industry have been innovating to provide services unique to the Somali context, which is making the economy increasingly ‘cashless’. Mobile money has posed new regulatory and legal challenges, particularly when disputes involving consumers are involved. This article focuses on a case study from Somaliland (the northern, self-declared independent region of Somalia and examines Zaad, the dominant mobile money platform. Given the weak state institutions, there are a variety of actors, including private companies, government police and courts, sharia courts and traditional elders that play an active role in resolving conflicts that result from mobile money transactions, forging a hybrid judicial approach. We examine how these different actors intervene and create an enabling environment to allow innovation and foster trust in a region of the world that is frequently characterized as violent and lawless.

Banking sector globalization and bank performance: A comparative analysis of low income countries with emerging markets and advanced economies

Directory of Open Access Journals (Sweden)

Amit Ghosh

2016-06-01

Full Text Available A key feature of financial services liberalization is the increasing presence of foreign banks in a nation. This study examines the impact of banking sector globalization on bank profits and cost efficiency by using a panel of 169 nations spanning 1998–2013. Employing both fixed-effects and GMM estimations, and including banking-industry and macroeconomic controls, I find greater banking-sector globalization to reduce both profits and cost inefficiency, thereby reflecting increased competitiveness and informational asymmetries in host markets, as well as assimilation of better technology, managerial practices by domestic banks. The results are further examined for nations across different levels of economic development and with different degrees of foreign bank presence. Only in emerging markets and in nations with more than 50% foreign banks, greater banking sector globalization positively affects profits. From a policy perspective, the findings call for banking regulatory authorities to implement polices to reduce informational asymmetries in host markets.

Effective mitigation efforts to reduce road dust near industrial sites: assessment by mobile pollution surveys.

Science.gov (United States)

DeLuca, Patrick F; Corr, Denis; Wallace, Julie; Kanaroglou, Pavlos

2012-05-15

Assessment of spatial variation of fugitive dust sources, particularly road dust track-out from industrial sites and its subsequent re-suspension is difficult with fixed air quality monitoring stations given their sparse distribution and the highly localized nature of road dust. Mobile monitoring was employed to measure levels of road dust in the industrial area of the City of Hamilton, Ontario, Canada. Results of this monitoring were used in a Fugitive Dust Control workshop held for local stakeholders, where fugitive dust control solutions were presented. After the workshop, the City of Hamilton and cooperative industrial groups executed enhanced street cleaning and individual industries and facilities performed on-site control activities. Post-workshop mobile air monitoring was performed for comparison to the initial values to determine effectiveness of these approaches. A regression model testing the difference pre- and post-workshop yielded a statistically significant difference in PM(10) measurements demonstrating improvement. The average value of PM(10) prior to the workshop was 114 μg/m(3). Post-workshop the average value dropped to 73 μg/m(3). Copyright © 2012 Elsevier Ltd. All rights reserved.

DAMPAK RISIKO DEFAULT BANK TERHADAP RISIKO SISTEMIK PERBANKAN DAN RISIKO SISTEMATIK BURSA SAHAM DI LIMA NEGARA ASEAN

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-05-01

Full Text Available Abstract Global financial crisis in 2008 has driven special attention to systemic banking sector risk that cause byindividual bank default. Though, banking crisis significantly affect economic growth and national macroeco-nomic condition. Individual bank default non only affect banking industry but also has serious injured theeconomy. Bank default risk not only affect systemic risk but also systematic risk.ASEAN financial integrationplan raise a need to understand characteristics of ASEAN banking industry. Close relationship and intercon-nection between ASEAN economies will make individual bank default a serious issue that its effect will spreadto all ASEAN economy. This research aimed to investigate the effect of bank default risk on systemic andsystematic risk in 5 ASEAN countries. We find that bank default risk significantlyraised systemic risk, esspeciallyin country with high concentration in its banking industry structure. Big banks tend to more serious effect onsystemic risk. Systematic risk tend to be affected by macroeconomy condition, rather than default risk ofindividual bank.

JASA PRIVATE BANKING PADA LEMBAGA PERBANKAN SEBAGAI SASARAN DAN SARANA PENCUCIAN UANG

Directory of Open Access Journals (Sweden)

Ari Purwadi

2012-01-01

Full Text Available Bank can experience the risk used by criminal as purposes to do money laundry for their crime. The technique of money laundry is often used by bank industry. It is occurred because bank offer lots of services in flowing the money which can conceal the history of fund. One of them is private service of bank offered by bank in which it gives advantages for criminal to hide their crime. The role of private banker as advisors must be loyal to their customers, either for professionally or personally. It gives impact to customers that they do not response towards the criminality of the customers’ activities. The culture of secret ness has spread and inserted to banking private industry. With the tight bank secret ness, it provides potential for money laundry purposes.

A Survey on Distributed Mobile Database and Data Mining

Science.gov (United States)

Goel, Ajay Mohan; Mangla, Neeraj; Patel, R. B.

2010-11-01

The anticipated increase in popular use of the Internet has created more opportunity in information dissemination, Ecommerce, and multimedia communication. It has also created more challenges in organizing information and facilitating its efficient retrieval. In response to this, new techniques have evolved which facilitate the creation of such applications. Certainly the most promising among the new paradigms is the use of mobile agents. In this paper, mobile agent and distributed database technologies are applied in the banking system. Many approaches have been proposed to schedule data items for broadcasting in a mobile environment. In this paper, an efficient strategy for accessing multiple data items in mobile environments and the bottleneck of current banking will be proposed.

Analisa Pengaruh Mobile Advertising pada Industri Telekomunikasi

OpenAIRE

Iskandar, Didik

2014-01-01

Layanan mobile advertising terus mengalami perkembangan seiring dengan perkembangan sarana telekomunikasi mobile. Peluang mobile advertising ini sangat besar, akan tetapi peluang tersebut belum dimanfaatkan dengan maksimal. Mobil advertising terdiri dari beragam tipe, seperti SMS, MMS, E-mail, Search, Banner Display, Content Sponsorship dan Video. Sementara itu model Mobile advertising terdiri dari pull advertising dan push advertising. Di penelitian ini diteliti tentang pengaruh mobile adver...

isk governance: Experience of Islamic banks

Directory of Open Access Journals (Sweden)

Siti Rohaya Mat Rahim

2015-05-01

Full Text Available Risk governance has evolved tremendously in the banking industry. Risk governance recommends the imperative roles of Chief Risk Officer (CRO to oversee risk. This study explores risk governance influence over the Islamic banks performances. Multivariate analysis techniques measure simultaneously via Structural Equation Modelling (SEM. This study employed cross-sectional sample of 200 Islamic banks across 21 countries for the year 2014. To examine risk governance and Islamic banks performance, the study captures seventeen variables developed from risk management and corporate governance (ROA, ROE, Profit Margin, CRO, Shariah committee member, CEO, board size, remuneration meeting, credit rating, external audit, accounting standard, loan loss provision, capital adequacy ratio, total deposit ratio, GDP, central bank lending rate and inflation. The simulation result reveals, risk governance act as mediating variables towards Islamic banks performance. This study has practical and significance contribution for Islamic banks to understand risk governance, aligning with the fundamental risk management and corporate governance

Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria

Directory of Open Access Journals (Sweden)

Edirin Jeroh

2015-10-01

Full Text Available This study focuses on an impact assessment of the consolidation exercise on the performance of commercial banks in Nigeria. While prior studies focused on the financial performance of banks (with emphasis on profitability, the main thrust of this study was on how the consolidation exercise had affected different areas of commercial banks in Nigeria other than profitability. Secondary data were sourced from the annual accounts and statistical bulletins of the CBN and SEC respectively for the relevant years. The data obtained were analysed by means of sensitivity analysis, in addition to the correlation and regression analyses. The results obtained show that the consolidation exercise had positive impact on the selected variables (Non Performing Loans, Liquidity Ratio, Bank Credit to Private Sector and Bank Capital To Asset Ratio for this study. Based on the above findings, we recommend among others that while efforts are made by the CBN to sustain the increased capital base of banks, a very sound corporate governance framework and effective risk management systems must be put in place to check the level of non-performing loans which seem to be predominant in the industry. The quality of bank credit to private sector and their recovery procedures should also be improved upon.

THE EVOLVING COMPETITIVE DYNAMICS IN THE RETAIL BANKING SECTOR IN INDIA: A CASE STUDY OF KARNATAKA BANK

Directory of Open Access Journals (Sweden)

Krishnakumar RAMANATHAN

2016-08-01

Full Text Available The banking industry in India is going through a unique competitive situation: on the one hand, the proliferation of new banks has increased competition multi-fold; on the other hand, given the rigid regulatory environment, banks have very little liberty to innovate products. The entry of multinational banking giants with superior service operations has further amplified the competition for customers. This paper examines the business performance of Karnataka bank during the period between 2006 and 2014 in order to bring home some of these challenges. Based on feedback from the branch managers, savings and current accounts - two classic banking products – suffered the most in the onslaught. Practicing managers as well as customers that we interviewed held that banking services in terms of customer experience ought to be improved and that various value added services could be introduced. Customers also expected reduced penalty for minimum balance and enhanced insurance cover for their accounts.

Component event data bank fast breeder reactors

International Nuclear Information System (INIS)

Cambi, G.; Righini, R.; Sola, P.G.; Zappellini, G.

1986-01-01

ENEA, the Italian Committee for Research and Development of Nuclear Energy, has created a data bank expressly concerning FBRs. The structure of the bank is similar to previous CEDB for LWR, but has been fitted to the new requirements typical of FBRs and to the different conditions of the industry. (DG)

Population and the World Bank.

Science.gov (United States)

Sankaran, S

1973-12-01

The World Bank Group regards excessive population growth as the single greatest obstacle to economic and social advance in the underdeveloped world. Since 1969 the Bank and the International Development Agency have provided countries with technical assistance through education, fact-finding, and analysis and given 65.7 million dollars for population projects. These projects, in India, Indonesia, Iran, Jamaica, and Malaysia provide training centers, population education, research, and evaluation as well as actual construction of clinics and mobile units. Because population planning touches sensitive areas of religion, caste, race, morality, and politics, the involved nation's political commitment to plan population growth is critical to the success of any program.

PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

Directory of Open Access Journals (Sweden)

Dragan (Santamarian Oana Raluca

2012-12-01

Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

Cyber risk in banking

OpenAIRE

Linert, Jan

2015-01-01

The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

Competition and market contestability of banks: Evidence from emerging financial market

Directory of Open Access Journals (Sweden)

Muntazir Hussain

2014-05-01

Full Text Available The study is an attempt to investigate the nature of competition and market contestability of 35 Pakistani banks for the period of 2007-2011 by employing Panzar and Rosse (PR-model. The test of competition overall sample (2007-2011 suggest that banks in Pakistan in state of monopolistic competition and market is in equilibrium. The sub sample (2007-2009 result of competition and equilibrium are similar as for sample period (2007-2011 suggesting that revenue produced during this period is state of monopolistic competition. Finally the results of sample period (2010-2011 suggest that banks in Pakistan are instate of perfect competition however, the market in not in long-run equilibrium. The results have interesting policy implications; it is suggested to encourage the foreign banks presence to improve the competitive condition of banking industry so that to ensure the exit and entrance of banks in the industry to increase the competition and produce the variety of product to improve banks performance and customer satisfaction.

Multinational banks and development finance

OpenAIRE

Weller, Christian E.; Scher, Mark J.

1999-01-01

Financial market recommendations for less industrialized economies, particularly in the wake of the recent financial crises, have included a push for more international financial competition. The entry of multinational banks (MNBs) into developing economies is supposed to create more market discipline for domestic banks, thus making them more efficient, and enhancing financial stability. Using data from the BIS and the IMF, we look at the determinants of MNB presence, at MNB activities, and t...

Outline of a Hardware Reconfiguration Framework for Modular Industrial Mobile Manipulators

DEFF Research Database (Denmark)

Schou, Casper; Bøgh, Simon; Madsen, Ole

2014-01-01

This paper presents concepts and ideas of a hard- ware reconfiguration framework for modular industrial mobile manipulators. Mobile manipulators pose a highly flexible pro- duction resource due to their ability to autonomously navigate between workstations. However, due to this high flexibility new...... approaches to the operation of the robots are needed. Reconfig- uring the robot to a new task should be carried out by shop floor operators and, thus, be both quick and intuitive. Late research has already proposed a method for intuitive robot programming. However, this relies on a predetermined hardware...... configuration. Finding a single multi-purpose hardware configuration suited to all tasks is considered unrealistic. As a result, the need for reconfiguration of the hardware is inevitable. In this paper an outline of a framework for making hardware reconfiguration quick and intuitive is presented. Two main...

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members.

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members..

An Investigation of Benefits Affecting SOA Adoption in e-Banking

OpenAIRE

Basias, Nikolaos; Marinos, Themistocleous; Morabito, Vincenzo

2014-01-01

Banking is a leading industry in the development of e-business and e-banking grows rapidly due to the numerous potential benefits associated with it. E-banking brings up unique types of challenges and requires innovative integration solutions as Service Oriented Architecture (SOA). Integration is one of the most important challenges for e-banking success and many issues related to this area remain unexplored. In addressing integration issues, SOA has emerged and adopted by many banks. Neverth...

Service Recovery Paradox In Indian Banking Industry: An Empirical Investigation

Directory of Open Access Journals (Sweden)

Arunesh Garg

2013-10-01

Full Text Available The present study examines existence of service recovery paradox in Indian banking industry. The study is taken up in the tri-city of Chandigarh, Panchkula and Mohali. The respondents are catego- rized into failure and no-failure groups on the basis of their service experience. Failure group consti- tutes those respondents who have experienced service recovery, and has been further divided into five sub-groups ranging from service recovery++ (service recovery better than expected to service recovery- - (service recovery worse than expected. Service recovery paradox is examined by com- paring service recovery++ group with no-failure group. The study shows evidence for existence of service recovery paradox in relation to satisfaction. It has been concluded that for service recovery paradox to exist, recovery effort has to be exceptionally good and much better than expectation level of the customer. The study suggests that service managers should take service failure as an opportunity to appease customers by providing a much better than expected recovery experience. However, organizations should not plan to create service failure situations because if they falter on imparting the recovery, customer satisfaction may be influenced negatively.

Service Recovery Paradox In Indian Banking Industry: An Empirical Investigation

Directory of Open Access Journals (Sweden)

Arunesh Garg

2013-11-01

Full Text Available Normal 0 false false false IN X-NONE X-NONE MicrosoftInternetExplorer4 The present study examines existence of service recovery paradox in Indian banking industry. The study is taken up in the tri-city of Chandigarh, Panchkula and Mohali. The respondents are categorized into failure and no-failure groups on the basis of their service experience. Failure group constitutes those respondents who have experienced service recovery, and has been further divided into five sub-groups ranging from service recovery++ (service recovery better than expected to service recovery- - (service recovery worse than expected. Service recovery paradox is examined by comparing service recovery++ group with no-failure group. The study shows evidence for existence of service recovery paradox in relation to satisfaction. It has been concluded that for service recovery paradox to exist, recovery effort has to be exceptionally good and much better than expectation level of the customer. The study suggests that service managers should take service failure as an opportunity to appease customers by providing a much better than expected recovery experience. However, organizations should not plan to create service failure situations because if they falter on imparting the recovery, customer satisfaction may be influenced negatively. Keywords: Banking, service failure, customer satisfaction, recommendation intention, service recovery, recovery paradox. /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso

Efficiency versus Maqashid Sharia Index: an Application on Indonesian Islamic Bank

Directory of Open Access Journals (Sweden)

Aam S. Rusydiana

2017-09-01

Full Text Available The Development of Islamic Banking Industry in Indonesia relatively shows a good tendency. In the market, inefficiency would be the great obstacles in head to head to conventional bank. Despite of efficiency performance in Islamic Bank, Islamic Bank also must have sharia compliance performance. So it needed to identified the efficiency of Islamic Bank in Indonesia and the achievement of Maslahah in term of three aspects, there are education, the creating of justice, and the attainment of welfare. This study would try to measure the efficiency of Islamic Banking Industry with Data Envelopment Analysis (DEA method and also to evaluate the performance by using Maqasid Sharia Index (MSI. Banxia Frontier Analyst 3.1 used in the data calculation. The calculation of the level of Islamic Bank efficiency in this study are relative, not absolute. Result of this study indicate four main findings, first, Islamic bank involve in quadran 1 is Islamic bank who reached the highest efficiency and the best performance; there are BMI and Bank Panin Sharia. Islamic bank involve in quadran 2 is Islamic bank who reached the highest efficiency and the lowest performance, there are BSM, Maybank Sharia, and Bank Sharia Bukopin. Islamic bank involve in quadran 3 is Islamic bank who reached the lowest efficiency and have a good performance, there are BRI sharia, and BCA sharia. Islamic bank involve in quadran 4 is Islamic bank who reached the lowest efficiency and the lowest performance, there are Bank Mega Sharia, Victoria Sharia, BNI Sharia, and BJB Sharia.

Data bank for combined hygienic studies of environmental state and population health in the region of large industrial and power plants

International Nuclear Information System (INIS)

Vorob'ev, E.I.; Lyarskij, V.A.; Minchenko, V.A.; Prusakov, V.M.; Rumyantsev, A.K.; Tatarkin, A.I.

1986-01-01

One of the variants of solution of the problem of creation of the data bank on environmental state and population health developed according to a special program is considered. The bank is a part of the created sample of automatic information system (AIS) - the main program - technical and organization mean which permit to solve complicated problems of complex hygienic investigations, realize dynamic observations, analysis and estimation, forecasting of environmental state and population health in connection with the effect of effluents of industrial and power combined plant. In the AIS structure 4 functionally completed components are singled out: data acquisition unit, data bank unit, analysis and estimation unit, simulation unit. Use of combination of control systems of data bases of information of economic systems of hierarchic type and supply line type of adaptive information system allowed one to solve the problems of accumulation and data trasmission for multidimensional statistic analysis for the solution of numerous hygienic problems

Relationship Management in the Banking Industry : The Use of Facebook

OpenAIRE

Dobosz, Sandra

2012-01-01

The economic situation and the improved technology weaken the bond be-tween banks and their customers. To adapt to the changing behavior of customers banks engage in Social Media with the aim to strengthen their relationship. However, Social Media may not have the expected effect on the banks’ customers. The purpose of this thesis is to answer whether interaction through Facebook can improve the relationship between Handelsbanken and its customers and whether the employees’ and the customers’...

Ethics Management in Banking and Finance

NARCIS (Netherlands)

de Bruin, Boudewijn; Morris, Nicholas; Vines, David

2014-01-01

This chapter discusses how the values which individuals hold will help to frame choices and so influence the choices that are made. If ethical issues in finance have limited ‘moral intensity’ in comparison to other industries, banks will more often than in other industries fail to recognise an

Capital requirement, bank competition and stability in Africa

Directory of Open Access Journals (Sweden)

Jacob Oduor

2017-06-01

Full Text Available Monetary authorities around the world are implementing enhanced banking capital adequacy requirements under Basel III meant to improve financial stability. Critics however argue that increased capital requirements concentrate the banking industry reducing competition while not guaranteeing financial sector stability. Using data from 167 banks in 37 African countries, we find that increased capital beef-up significantly increases financial instability in Africa (except in big banks implying that higher capital requirements did not make African banks safer. We also find that increased regulatory capital improves competitive pricing for foreign banks while it makes domestic banks less competitive mainly attributed to the high cost of sourcing and holding extra capital for domestic banks compared to foreign banks who can source cheaper capital from parent companies. The results put to question the effectiveness of enhanced regulatory capital on stability and competitiveness of the African financial system.

75 FR 13129 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2010-03-18

... acquiring 100 percent of Circle Bank upon conversion of the bank from an industrial bank to a commercial... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The companies listed in this notice have applied to the Board for approval, pursuant to the Bank Holding Company...

Barriers to Banking - Towards an Inclusive Banking Environment in South Africa.

Science.gov (United States)

Martinson, Estelle; Martinson, Johannes

2016-01-01

A recent study in South Africa on the barriers to banking which involved customers in three disability groups namely mobility, hearing and vision has highlighted that currently banking in South Africa is not accessible. Customers with a disability are unable to independently use banking services across a wide range of channels. Exclusion from something as fundamental as managing their own financial affairs raise serious human rights concerns and requires committed action from decision-makers to address this. The fact that solutions to all of the identified barriers have been successfully implemented in banks in other parts of the world for many years emphasize that this is not a technical challenge. While some solutions require complex or expensive changes such as removing physical access barriers and ensuring that digital channels meet internationally accepted standards of accessibility, there are many simple and low-cost solutions which can be implemented immediately and would make a world of difference to these customers and their experience of banking. One key barrier which emerged in all the focus groups and surveys is attitudinal barriers - staff who are unwilling to assist, impatient, interact with the customer's assistant instead of directly with them and lack basic skills on how to interact with someone who has a disability. A comprehensive framework of banking was used to identify a wide range of barriers. The barriers were classified as attitudinal, barriers to physical access, digital access barriers, barriers to information, communication barriers and some generic concerns such as safe evacuation during emergencies and alternative authentication. Both the barriers and the solutions where ranked by participants. From a theoretical perspective, the benefit of a customer-centric approach to understanding these barriers and the innovation potential of a Universal Design approach is affirmed by this study.

Performing Work: Locality, Embodied Practice and Career Mobility of Chinese Women Bankers in Hong Kong

Directory of Open Access Journals (Sweden)

Wai-wan Chan

2016-03-01

Full Text Available Women are emerging as significant actors in international financial industries concentrated in metropolitan cities which function as national and international business hubs. Based on 17 in-depth interviews with Chinese women bankers in Hong Kong, where one finds the highest concentration of banking institutions in the world, this paper examines the interplay between locality, gender performance and the career mobility of women bankers. The author argues that branch location is embedded within hierarchical fields of power and leads to different client groups, and ultimately, to different opportunities for upward mobility. Women bankers in Hong Kong are skilled in displaying multiple identities by using differentiated styles of language and different tongues, or languages, when interacting with different client groups in different branches. This strategy involves evaluative interpretation of perception because clients themselves make class distinctions according to different service settings. Although mid-level management teams in the banking industry have recently been rapidly feminised, this paper demonstrates that the glass ceiling is still real and continues to exert its invisible, negative impact. The upward mobility of Chinese women bankers is often blocked by informal barriers deeply embedded in the social structure and culture of both local society and international companies. These structural barriers and their resultant structured disadvantages for women are the consequence of the intersection, and sometimes the collusion, of ethnic politics, business or capitalist interests and social norms. Factors and structural forces such as race, ethnicity and gender are intertwined with and compounded to produce deep and far-reaching effects that are often beyond the control of the individual actor.

Corporate social responsibility in the international banking industry

NARCIS (Netherlands)

Scholtens, B.

This article aims at providing a framework to assess corporate social responsibility with international banks. Currently, it is mainly rating institutions like EIRIS and KLD that provide information about firms' social conduct and performance. However, this is costly information and it is not clear

Development of mobile application in game industry

OpenAIRE

Horňák, Miroslav

2016-01-01

This thesis describes process of design and development of multiplayer online mobile game. Including ways of monetisation, setting a game goals and design of user interface and game environment. It also shows potential problems which can occur while developing this kind of a game. All this is demonstrated on real mobile game project targeting all major mobile operating systems. Inseparable part of this thesis is also summary of mobile operating systems and tools currently used in mobile game ...

Trends in Mobile Marketing

OpenAIRE

Chocholová, Petra

2010-01-01

The principal aim of this thesis is to assess the state of the mobile marketing as of the first quarter of 2011 and to discuss various scenarios of the future development. This thesis defines the terms "mobile marketing" and "mobile advertising" and identifies the main players in the industry. It explores the main categories of mobile advertising such as mobile messaging, in-content and mobile internet advertising. Later, it analyzes the latest trends in the industry and describes in detail t...

FINANCING PRACTICES OF BANKS AND FINANCIAL INSTITUTIONS IN NEPAL

OpenAIRE

GAUTAM, BISHNU PRASAD

2009-01-01

Proposal analysis and credit appraisal includes the examination of business and financial aspects with respective importance to measure economic, financial and technical feasibility of the project and repayment capacity of the borrowing firm. Such analysis has far reaching implication on the mobilization of resources as well as on the earning and soundness of the banks and financial institutions (BFIs). We examine this process in the context of bank lending to tourism business enterprises thr...

CORPORATE SOCIAL RESPONSIBILITY IN JAPANESE BANKING SECTOR

OpenAIRE

Murawski, Tomasz

2017-01-01

The concept of CSR is developed in the theory of economics and management from the 50s of the last century. In practice, the banking industry uses it for many years. The evolution of the banking sector caused the emergence of new services and products that are integrated with the philosophy of CSR. In Japan, each of the bank you can see the relationship between business, society and the environment. This activity follows the tradition and adopted a philosophy that is both fostered and develop...

A new approach to standardize multicenter studies: mobile lab technology for the German Environmental Specimen Bank.

Science.gov (United States)

Lermen, Dominik; Schmitt, Daniel; Bartel-Steinbach, Martina; Schröter-Kermani, Christa; Kolossa-Gehring, Marike; von Briesen, Hagen; Zimmermann, Heiko

2014-01-01

Technical progress has simplified tasks in lab diagnosis and improved quality of test results. Errors occurring during the pre-analytical phase have more negative impact on the quality of test results than errors encountered during the total analytical process. Different infrastructures of sampling sites can highly influence the quality of samples and therewith of analytical results. Annually the German Environmental Specimen Bank (ESB) collects, characterizes, and stores blood, plasma, and urine samples of 120-150 volunteers each on four different sampling sites in Germany. Overarching goal is to investigate the exposure to environmental pollutants of non-occupational exposed young adults combining human biomonitoring with questionnaire data. We investigated the requirements of the study and the possibility to realize a highly standardized sampling procedure on a mobile platform in order to increase the required quality of the pre-analytical phase. The results lead to the development of a mobile epidemiologic laboratory (epiLab) in the project "Labor der Zukunft" (future's lab technology). This laboratory includes a 14.7 m(2) reception area to record medical history and exposure-relevant behavior, a 21.1 m(2) examination room to record dental fillings and for blood withdrawal, a 15.5 m(2) biological safety level 2 laboratory to process and analyze samples on site including a 2.8 m(2) personnel lock and a 3.6 m2 cryofacility to immediately freeze samples. Frozen samples can be transferred to their final destination within the vehicle without breaking the cold chain. To our knowledge, we herewith describe for the first time the implementation of a biological safety laboratory (BSL) 2 lab and an epidemiologic unit on a single mobile platform. Since 2013 we have been collecting up to 15.000 individual human samples annually under highly standardized conditions using the mobile laboratory. Characterized and free of alterations they are kept ready for retrospective

A new approach to standardize multicenter studies: mobile lab technology for the German Environmental Specimen Bank.

Directory of Open Access Journals (Sweden)

Dominik Lermen

Full Text Available Technical progress has simplified tasks in lab diagnosis and improved quality of test results. Errors occurring during the pre-analytical phase have more negative impact on the quality of test results than errors encountered during the total analytical process. Different infrastructures of sampling sites can highly influence the quality of samples and therewith of analytical results. Annually the German Environmental Specimen Bank (ESB collects, characterizes, and stores blood, plasma, and urine samples of 120-150 volunteers each on four different sampling sites in Germany. Overarching goal is to investigate the exposure to environmental pollutants of non-occupational exposed young adults combining human biomonitoring with questionnaire data. We investigated the requirements of the study and the possibility to realize a highly standardized sampling procedure on a mobile platform in order to increase the required quality of the pre-analytical phase. The results lead to the development of a mobile epidemiologic laboratory (epiLab in the project "Labor der Zukunft" (future's lab technology. This laboratory includes a 14.7 m(2 reception area to record medical history and exposure-relevant behavior, a 21.1 m(2 examination room to record dental fillings and for blood withdrawal, a 15.5 m(2 biological safety level 2 laboratory to process and analyze samples on site including a 2.8 m(2 personnel lock and a 3.6 m2 cryofacility to immediately freeze samples. Frozen samples can be transferred to their final destination within the vehicle without breaking the cold chain. To our knowledge, we herewith describe for the first time the implementation of a biological safety laboratory (BSL 2 lab and an epidemiologic unit on a single mobile platform. Since 2013 we have been collecting up to 15.000 individual human samples annually under highly standardized conditions using the mobile laboratory. Characterized and free of alterations they are kept ready for

Mobilizing private finance to drive an energy industrial revolution

International Nuclear Information System (INIS)

Mathews, John A.; Kidney, Sean; Mallon, Karl; Hughes, Mark

2010-01-01

While uptake of renewable energies as a solution to climate change is widely discussed, the issue of public vs. private financing is not yet adequately explored. The debates over the Kyoto Protocol and its successor, culminating in the COP15 Climate Change Conference in Copenhagen in December 2009, maintained a strong preference for public over private financing. Yet it is also clear to most observers that the energy revolution will never happen without the involvement of private finance to drive private investment. In this Viewpoint, we discuss the ways in which private financing could be mobilized to drive the energy industrial revolution that is needed if climate change mitigation is to succeed.

Product diversification and bank performance: does ownership structure matter?

OpenAIRE

Saghi-Zedek , Nadia

2016-01-01

International audience; Using detailed data on control chains of 710 European commercial banks, we test whether the presence of some categories of controlling shareholders affects product diversification performance. We find that when banks have no controlling shareholder or have only family and state shareholders activity diversification yields diseconomies. However, as long as the control chain involves banking institutions, institutional investors, industrial companies or any other combina...

The risk level of Vietnam non-banking investment and financial services industry under financial leverage during and after the global crisis 2007-2011

Directory of Open Access Journals (Sweden)

Dinh Tran Ngoc Huy

2013-09-01

Full Text Available This paper estimates the impacts of external financing on market risk for the listed firms in the Viet nam non-banking financial services industry, esp. after the financial crisis 2007-2009. First, by using quantitative and analytical methods to estimate asset and equity beta of total 10 listed companies in Vietnam non-banking financial services industry with a proper traditional model, we found out that the beta values, in general, for many institutions are acceptable. Second, under 3 different scenarios of changing leverage (in 2011 financial reports, 30% up and 20% down, we recognized that the risk level, measured by equity and asset beta mean, decreases when leverage increases to 30% and vice versa. Third, by changing leverage in 3 scenarios, we recognized the dispersion of risk level increases (measured by equity beta var if the leverage decreases down to 20%. Finally, this paper provides some outcomes that could provide companies and government more evidence in establishing their policies in governance.

Data Analysis Trumps Specialist Advice: How Direct Banks Function

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Skiera Bernd

2016-11-01

Full Text Available Low interest rates and sluggish economic growth are not exactly ideal conditions for the financial services industry. Almost daily we are confronted with reports of inadequate capital bases, declining earnings, and layoffs at banks. But while many traditional retail banks are struggling with a business downturn, the direct bank market is enjoying steady and respectable growth despite a challenging environment. Dr. Schmidberger, Fully Authorized Representative at ING-DiBa Germany, offers us a glimpse behind the curtains of this direct bank. We will learn how data technology is used so that bank customers are (more satisfied.

Efficiency measurement of the banking sector in the presence of non-performing loan

Science.gov (United States)

Hamid, Nurhayati; Ramli, Noor Asiah; Hussin, Siti Aida Sheikh

2017-01-01

Bank industry plays a vital role in a country's economic development. In the banking industry, the non-performing loans which are acknowledged as being undesirable outputs and usually ignored in most of the analysis should be taken into account since they are undesirable by-products of producing loans and may lead to the bank inefficiency. Modelling the efficiency measurement without undesirable outputs can provide misleading results and unfair assessment. The Directional Distance Function (DDF) approach which extended from the Data Envelopment Analysis (DEA) framework is one of the enhancement efficiency approaches to handle a situation when there is a joint production of the desirable and undesirable outputs. The comparison of both results between the domestic and foreign banks shows that the DEA technical efficiency score for domestic banks is marginally higher than the Malaysian foreign banks. However, when incorporating the undesirable output, the DDF technical efficiency for foreign banks is slightly higher than domestic banks.

The effect of corporate social responsibility disclosures on financial performance in the banking industry: empirical study on Egyptian banking sector

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Racha El Moslemany

2017-03-01

Full Text Available The aim of this paper to establish the relationship between corporate social responsibility disclosure and financial performance in the Egyptian banking sector. Only three banks were included in the study because Corporate Social Responsibility is a new concept that has not yet been fully established in the banking sector in Egypt. Secondary data were obtained from the annual financial reports of the banks for the period from 2008 to 2011. Corporate social responsibility score was obtained using content analysis of reports of the companies on various components of corporate social responsibility as reported in their annual financial reports. The present study identified four dimensions in the pilot study: Environment, Community, Customer, and Employee. Descriptive analysis was used to describe data collected such as Pearson correlation method. The authors used regression analysis to study the relationship between the dependent variables and the independent variables and the bank age and bank size were used as control variables in the analysis. The results indicated an insignificant relationship between the independent variables (corporate social responsibility toward environment, community, customer, and employee used in the model and the dependent variables Corporate Financial Performance as measured by (ROA, ROE, NPM, and EPS. The results of the study proved the absence of a significant relationship between the dependent and the independent variables as a whole. Yet, some relationships were found concerning individual measures. The major limitation of this paper is the sample size. In addition, failure of corporations to disclose CSR in the annual reports will have a material effect on these findings. The findings of this paper have practical implications on the management of Banks in Egypt to re-think and re-strategize their CSR policies that incorporate social and economic performance to improve their CFP.

Assessing the competitive conditions in the Italian banking system: some empirical evidence

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P. COCCORESE

1998-06-01

Full Text Available The European banking industry is currently facing the effects arising from the increasing integration of national financial markets. In adapting to this new scenario, the Italian banking system has undergone a considerable transformation. The degree of competition in the Italian banking system is evaluated using a sample of banks during the period 1988-96.

Competition and entry in banking: implications for capital regulation

NARCIS (Netherlands)

Boot, A.W.A.; Marinč, M.

2006-01-01

We assess how capital regulation interacts with the degree of competitiveness of the banking industry. We particularly ask two questions: i) how does capital regulation affect (endogenous) entry; and ii) how do (exogenous) changes in the competitive environment affect bank monitoring choices and the

German financial media's responsiveness to Deutsche Bank's cultural change

NARCIS (Netherlands)

Strauß, N.

2015-01-01

Based on first-order and second-order agenda building theory, this study analyzes the responsiveness of German financial media to frames of the "cultural change" proclaimed in the banking industry, exemplified by Deutsche Bank. Findings suggest a difference between the two major German financial

The Determinants of Bank Profitability: The Case of Tunisia

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Olfa Nessibi

2016-01-01

Full Text Available Using bank level data this paper examines how bank’s specific characteristics and macroeconomic indicators affect the profitability in the Tunisian banking industry over the period 1990–2008. The results indicate that the more profitable banks are those higher amount of capital and lower operating costs. Furthermore, it appears that private banks tend to perform better than state owned ones.  Despite the great importance given to the board of directors, it doesn't have a dominant role in the Tunisian commercial banks. Finally, turning to macroeconomic conditions and its impact on banks’ profitability, we find that the real interest rate has a positive effect on bank profitability.

Determinan Permodalan Bank Melalui Profitabilitas, Risiko, Ukuran Perusahaan, Efisiensi Dan Struktur Aktiva

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Sugeng Haryanto

2016-08-01

  Penelitian ini menganalisis kausalitas antara CAR, profitabilitas, risiko, ukuran perusahaan, efisiensi dan struktur aset industri perbankan. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan kriteria bank telah go public sebelum 2008 dan menerbitkan laporan keuangan 2008-2013. Total sampel adalah 23 bank. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh profitabilitas, risiko, ukuran perusahaan, efisiensi dan struktur modal dari aset bank. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil penelitian menunjukkan bahwa profitabilitas, ukuran dan struktur aktiva memiliki dampak positif terhadap CAR. Sementara itu, risiko bank memiliki dampak negatif terhadap CAR. Efisiensi tidak berdampak pada CAR. Kontribusi penelitian ini untuk pengelolaan industri perbankan, peneliti dan regulator (Bank Indonesia adalah bahwa ada suatu keharusan untuk meningkatkan rasio kecukupan modal dalam rangka meningkatkan daya saing perbankan nasional.

Characterization of Early and Late Adopters of ATM Card in Indian Banking Industry

Directory of Open Access Journals (Sweden)

Kamalpreet Kaur

2012-11-01

Full Text Available Normal 0 false false false IN X-NONE AR-SA MicrosoftInternetExplorer4 The present study deals with affect of adoption pattern of the ATMs by banks on its characteristics. With the exploration of various characteristics of the banks like Size, Profi tability, Efficiency, Cost of Operations, Asset quality and Credit risk, Financing Pattern, Diversifi cation and Age etc.; the study has tried to differentiate between the early and late adopter category of the banks regarding ATM cards. The banks have been categorized into early and late adopters on the basis of their adoption period. For this purpose, 50 scheduled commercial banks consisting of 27 Public Sector Banks and 23 Private Sector Banks have been taken as sample to investigate the various aspects of and early adopter banks in comparison to late adopter banks. The time period of the study is 20 years i.e. from 1991 to 2010. It can be concluded that the initiators and fi rst movers take advantage over the late adopters and laggards. They have found to perform better in terms of various parameters. Overall, the early adopter banks are larger in size, more diversifi ed, having lesser branches, more market share and wide ATM network as compared to late adopter ones. Thus, the empirical results evidently reveal that the both the groups have their own different characteristics. /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso

A reasoned use of the notion of concernment: mobilizations about the nuclear industry

International Nuclear Information System (INIS)

Brunet, Ph.

2008-01-01

Discussing the mobilization of environmental associations from the sole sociological viewpoint of interest and calculations is no longer workable. Similarly, although the processual analysis of commitment has obvious heuristic virtues, it could be usefully completed to understand how it emerges and gets structured. This is why, in order to further develop this kind of analysis, we shall explore the processes leading to forms of organized commitment. To do so, Canguilhem's research about the epistemology of living organisms will be used. It shows that, when the resolution of problems between individuals and their milieu is attempted, it is always initiated by the former. By using the notion of 'concernment' and articulating it with those of environment and orientated behaviour, we intend to emphasize the singularity of the social dynamics that aim to solve the tensions inherent in environmental issues. Furthermore, through sociological analysis, one may get a glimpse of forms of similarity between 'concernment', commitment and cognitive mobilization. Our research is based on comparative data drawn from two surveys on the nuclear industry in France: one in Limousin concerning the uranium industry and another in La Hague, North Cotentin, dealing with radioactive waste. (author)

Banking Business Models Monitor 2014: Europe

OpenAIRE

Ayadi, Rym; De Groen, Willem Pieter

2014-01-01

CEPS and the International Observatory on Financial Services Cooperatives (IOFSC) at HEC Montreal have initiated an annual monitoring exercise on banking business models in the EU. Based on their balance sheet structures, 147 European banks that account for more than 80% of the industry assets were categorised in four business models. The Monitor emphasises the ownership structures and assesses the financial and economic performance, resilience and robustness, before, during and after the fin...

Workplace spirituality and organizational citizenship behavior: Evidence from banking industry

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Mohammad Ghorbanifar

2014-08-01

Full Text Available This paper studies the relationship between workplace Spirituality and Organization Citizenship behavior (OCB in banks located in province of Sari, Iran. The statistical population of research includes the employees of Sari's Banks including Melli, Ghavamin, Saderat, Keshavarzi, Mellat,Tejarat, Saman, Parsian, Sarmaye, Pasargad and Karafarin. We used a questionnaire with 45 questions as an instrument for collecting research data. The questionnaire was designed based on workplace spirituality (Milliman et al., 2003 [Milliman, J., Czaplewski, A., & Ferguson, J. (2003. Workplace spirituality and employee work attitudes, an exploratory empirical assessment. Journal of Organizational Change Management, 16(4, 426-447.] and organizational citizenship behavior (Podsakoff et al., 1990 [Podsakoff, P., MacKenzie, S., Paine, J., & Bachrach, D. (2000. Organizational citizenship behaviors: A critical review of the theoretical and empirical literature and suggestions for future research. Journal of Management, 26(3, 513–563.]. Findings show that there was a meaningful relationship between workplace Spirituality and Organization Citizenship behavior. The results also indicated that there was a positive relationship between work spirituality and Organization Citizenship behavior in Sari's Bank.

Socioeconomic mobility and tobacco consumption patterns in fish industry workers in Udupi District of coastal Karnataka.

Science.gov (United States)

Acharya, Shashidhar; Pentapati, Kalyana Chakravarthy; Acharya, Shruthi

2014-01-01

The aim of this study was to understand the tobacco consumption patterns and their relationship with life course socioeconomic mobility among fish industry workers as this could provide important information in dealing with the tobacco problem in this very vulnerable population. Socioeconomic life course data and information about tobacco habits was collected from 102 fish industry workers. A subject was considered to be upwardly mobile if the family head's educational attainment and the number of earning members increased and the number of children and dependents decreased since childhood in his or her household. Oral examination was also done for malignant/premalignant lesions. Of the 102 subjects, 64 regularly consumed tobacco either in smoking or smokeless forms and the common reasons for the habit were the co-workers' influence and to keep awake at work. Fourteen subjects had premalignant lesions in the oral cavity and all them were in the buccal mucosa. The prevalence of the tobacco habit was much lesser (25%) among the upwardly mobile group when compared to the minimal or no improvement group (75%). A majority of those free from the habit (73.7%) were belonging to the group, which showed improved educational attainment. Among those with good social mobility, the percentage of workers with high frequency of tobacco consumption and those with a longer duration of the tobacco habit was low when compared to the minimal social mobility group. A holistic approach consisting of efforts to improve the overall socioeconomic conditions can be more effective than piecemeal solutions in dealing with the tobacco menace.

A conceptual framework for detecting financial crime in mobile money transactions

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Cross Gombiro

2015-12-01

Full Text Available Mobile money has made it possible for the unbanked to access financial service to areas previous not accessibly to traditional banking systems. Africa in particular, has indeed seen a growth in use of such services owing to the high penetration of mobile phones. While traditional banking services have been well regulated and secured, mobile money services are still new and vulnerable. Also, attacks and crimes targeting the internet, new technologies and new methods of payments have become sophisticated. This scenario requires novel proactive, real time techniques and solutions to detect financial crimes in mobile money transactions (MMT. The Financial Action Task Force (FATF 2012 requires mobile money to be subject for monitoring and for compliance. Payment systems have evolved from hard cash, to credit cards, debit cards and now to the M-money, there are several approaches that have been used to detect financial crime in platforms such as credit cards and in the traditional banking system. However, most of these approaches are not suitable for m-money methods. A conceptual framework for detection of mobile money financial crime is proposed. The framework incorporates data mining techniques, big data analytics, Know Your Customers, historical databases and a knowledge base among other things.

Specification of a Human Reliability Data Bank for conducting HRA segments of PRAs for nuclear power plants

International Nuclear Information System (INIS)

Comer, M.K.; Donovan, M.D.

1985-02-01

The US Nuclear Regulatory Commission (NRC), Sandia National Laboratories (SNL), and General Physics Corporation have conducted a research program to develop a Human Reliability Data Bank for nuclear power industry probabilistic risk assessment (PRA). As part of this program, a survey of existing human reliability data banks from other industries was conducted and a concept of a Data Bank for the nuclear industry was developed. The results of these efforts were published in the two volumes of NUREG/CR-2744: ''Human Reliability Data Bank for Nuclear Power Plant Operations: Volume 1, A Review of Existing Human Reliability Data Banks, and Volume 2, A Data Bank Concept and System Description.'' This document, NUREG/CR-4010, is the revised technical specification for the Human Reliability Data Bank. The organization of the Data Bank and a description of a data publication, the Human Reliability Data Manual, are provided. Details of the administration and operation of the Data Bank are discussed. Appendices present the detailed procedures for processing data, revising the Data Manual, operating the Data Bank, and reviewing data for the Data Bank. The final appendix is a skeleton version (structure only) of the Data Manual

A hybrid nested partitions algorithm for banking facility location problems

KAUST Repository

Xia, Li; Yin, Wenjun; Dong, Jin; Wu, Teresa; Xie, Ming; Zhao, Yanjia

2010-01-01

The facility location problem has been studied in many industries including banking network, chain stores, and wireless network. Maximal covering location problem (MCLP) is a general model for this type of problems. Motivated by a real-world banking

THE IMPACT OF THE FOREIGN CAPITAL BANKS ON ENSURING FINANCIAL STABILITY ON LONG TERM

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Isac\tBORS

2015-06-01

Full Text Available The present study is focusing on analysing the role played by the foreign banks within the national and international banking system as well the impact the foreign banks have on the autochthon banking system, on the financial activity, on the real economy and on the financial stability on long terms. The research conducted highlights the fact that along the positive impact on the banking system and on the economy of the host country, generated by their quality as vectors of mobilizing and directioning the international financial flows towards the host country, there can also be considered a negative impact. The study shows that the impact of the negative effects, that have as main cause the reversibility of the international financial flows, depends, on a great extent, on the specific conditions of the host country, on the characteristics of the foreign banks, but mostly, by the share held by the foreign countries within the framework of the host banking system. Starting from the role played by the capitalization of the banking system to ensure financial stability, the research made on Romania’s case shows both, the positive effects generated by the presence of the foreign banks and also, their vulnerability in front of this excessive dependence on the foreign capital induced by this presence. The solution to reduce this dependence can only come from the autochthon capital direction whose mobilization may countervail the gap made by the foreign banks and, by surceasing the process of financial disintermediation, to ensure the maintenance of the financial stability on long term.

Service quality in Islamic banks: The role of PAKSERV model, customer satisfaction and customer loyalty

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Feras M.I. Alnaser

2018-04-01

Full Text Available In service oriented industry, it is very difficult to set a standard rule to satisfy customers. As customer awareness increases on the service offered by banks, expectation from services quality increases too. Quality of a service in banking industry plays an essential role in measuring the performance of banks. Thus, the present study examines the PAKSERV model to measure customer satisfaction and customer loyalty of Islamic Banks in Palestine. A survey method was adopted where data was collected from 482 respondents through structured questionnaire. Structural equation model (SEM was applied to check the hypothesis relationship between proposed constructs. Statistical finding revealed that PAKSERV model had significant impact on customer satisfaction and customer loyalty in Islamic banks of Palestine. Results also revealed that in cultural context PAKSERV model was the most appropriate scale and had predictive power of service quality in banking industry of Palestine. The findings of this study will be helpful for managers and policy makers to improve the service quality in Islamic banks of Palestine.

The determinant of equity financing in sharia banking and sharia business units

OpenAIRE

Effendi, Jaenal

2018-01-01

Equity financing plays an important role in mobilizing financing in the real sector. The core business of sharia banking is based on the real sector, but the financing portion in sharia banking is still dominated by debt financing. This study aims to analyze the factors that affect equity financing in General Sharia Bank (BUS) and Sharia Business Unit (SBU) in Indonesia. This study uses Error Correction Model. The results show that in the long-term model of Third Party Fund (DPK), Finance to ...

Penerapan Metode SERVQUAL pada Bank X

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Nilda Tri Putri

2016-04-01

Full Text Available The banking sector had become industrial which keeps growing. Competition requires each bank competing to attract many customers in many ways both in terms of products, technologies, and services. Marketing Research Indonesia (MRI performs measurements of the services quality of the banking. X Bank occupies the fifth position in terms of service quality. X Bank need to do repair service constantly to improve customer loyalty. The method used was servqual consisting of five dimensions. Based on gap between perception and expectations known priority on X Bank. Repair service with the main priority is customer service quickly. A long customer service cause long queue at customer service and teller. Typically, most clients come at the beginning of the month. However, a large number of customer that are not anticipated by the number of teller and customer service. Customer satisfaction level of this attribute only 68,09%. That means the banks need to make improvements such as by adding the number of teller and customer service at a particular time and organizing shift work teller and customer service more effectively. Keywords : service quality, gap, Marketing Research Indonesia.

Kenya – world leader in mobile payments

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Eugeniusz Gostomski

2013-12-01

Full Text Available In the last decade, there has been a real revolution in the Kenyan banking associated with the development of mobile telephony and mobile payments in the reporting country. In 2007, the largest mobile operator in Kenya launched M-Pesa system which is an innovative solution that enables its users to make mobile payments. M-Pesa system has become a big success. Nowadays, the Kenya’s inhabitants have access to other basic financial services while using their mobile phones. In particular, they can make savings and access loan products.

Competition and Concentration in Bangladeshi Banking Sector: An Application of Panzar-Rosse Model

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Md. Anwar Hossain Repon

2016-01-01

Full Text Available The purpose of this paper is to investigate the market structure and degree of concentration of Bangladeshi banking industry. The study measured market concentration by using widely recognized measures like k-bank concentration ratio and Herfindahl-Hirchman Index (HHI. It evaluates market structure by applying Panzar-Rosse Model over 8 years period from 2006 to 2013. The result of concentration measures indicates a decreasing trend and low level of market concentration in Bangladeshi banking industry over the sample period. The panzer-Rosse “H-Statistic” suggests that banks in Bangladesh are operating under monopolistic competition. Present paper contributes to a burgeoning literature on banking competition that has evolved significantly over the past periods on a developing country perspective like Bangladesh.

Mobile video with mobile IPv6

CERN Document Server

Minoli, Daniel

2012-01-01

Increased reliance on mobile devices and streaming of video content are two of the most recent changes that have led those in the video distribution industry to be concerned about the shifting or erosion of traditional advertising revenues. Infrastructure providers also need to position themselves to take advantage of these trends. Mobile Video with Mobile IPv6provides an overview of the current mobile landscape, then delves specifically into the capabilities and operational details of IPv6. The book also addresses 3G and 4G services, the application of Mobile IPv6 to streaming and other mobil

The evolving landscape of banking

NARCIS (Netherlands)

Boot, A.W.A.; Marinč, M.

2008-01-01

The structure of the financial services industry is in flux. Liberalization, deregulation, and advances in information technology have changed the financial landscape dramatically. Interbank competition has heated up and banks face increasing competition from nonbanking financial institutions and

MERGER AND ACQUISITION IN THE FINANCIAL SERVICES INDUSTRY

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Éva PINTÉR

2011-01-01

Full Text Available The paper analyses the driving forces of the convergence in the financial sector, focused on banking and insurance companies, in terms of strategic cross-sector and cross-border mergers and acquisitions (M As. New tendencies such globalization, integration, disintermediation and deregulation give the basis for new dimensions in the financial services industry. Based on the data, the banking industry has experienced an enormous level of consolidation as M As. We find that the penetration process, so the entry into insurance services industry is mostly driven by banks. We analyse whether this risky strategic process is beneficial or necessary in the financial services industry.

The Effects of Nonperforming Loans on Dynamic Network Bank Performance

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Day-Yang Liu

2017-01-01

Full Text Available This paper is to explore the relationship between banks’ performance and their nonperforming loans (NPLs. The banks’ performance through a network production process structure with NPLs is developed. With increasing NPLs in recent years, the quality of lending assets is a key significant and influencing factor for banks’ operational risk. The research methodology is to integrate the radial and nonradial measures of efficiency into the network production process framework with NPLs; this study utilizes network epsilon-based measure model to evaluate the banking industry performance. In addition, the key characteristics of the bank industry including those of financial holding companies and privatized government banks are needed to be figured out and to provide insight into what causes imperfectly competitive conditions for some banks. The results demonstrate that the banking sector grew consistently in three aspects of operation: operating performance, profitability performance, and risk management in the last five years of the subject period. These results showed that the overall banking sector was capable of pursuing growth in both operations and profits while accounting for risk management. The potential applications and strengths of network data envelopment analysis in assessing financial organizations are also highlighted.

The (R) evolution and future of banking system and commerce

OpenAIRE

Neusa Pinto, Daniel Andrés

2017-01-01

Treball Final de Grau. Grau en Finances i Comptabilitat. Codi: FC1049. Curs acadèmic 2016-2017 The aim of this paper is providing information giving an overview about a new age in the financial field. Financial Technology (Fintech) industry is growing faster than other industries and it is changing the way we know the financial markets, customer’s behavior, banking system, payments and, in general, the interaction between financial clients and the financial system. Banks are on...

Mergers and Acquisitions in the Spanish Banking Industry: some Empirical Evidence.

OpenAIRE

Ignacio Fuentes; Teresa Sastre

1999-01-01

Since the late eighties, the Spanish banking system has been undergoing major changes that have affected both its structure and the nature of strategic interaction among banking institutions. Various different strategies have been adopted to tackle the demands of this new operating environment, one such strategy having been consolidation via mergers and acquisitions. This paper attempts to provide some empirical evidence on the impact of the consolidation process on the monetary transmission ...

Customers Demographics Influence on Usage of Retail Banking Channels

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Neha GUPTA

2016-09-01

Full Text Available The study presents the usage of retail banking influenced by customers’ demographics of selected Public Sector Banks (PSBs of India. The study was based on primary data collected through structured questionnaire. The simple random sampling technique used for data collection for sample size 692. The study finds that public sector banks need to understand the usage pattern of an individual customer using delivery channel to add greater value to customers. Respondent age groups influence ATMs usage. Internet banking is majorly influenced by the customers’ demographics. Respondents’ age group and qualification influence mobile banking. Branch lobby kiosk is not influenced by any demographics. The identification of most influential demographic variable will help to build strong and effective cross-selling and up-selling of financial products and services. Our study was limited to the customers of PSBs of India. This study may be helpful to PSBs for enhancing effective usage of delivery channels.

An efficient process for producing economical and eco-friendly cotton textile composites for mobile industry

Science.gov (United States)

The mobile industry comprised of airplanes, automotives, and ships uses enormous quantities of various types of textiles. Just a few decades ago, most of these textile products and composites were made with woven or knitted fabrics that were mostly made with the then only available natural fibers, i...

Factors influencing accounting conservatism in banks: the UAE case

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Magdi El-Bannany

2017-06-01

Full Text Available The purpose of this study is to determine the factors influencing the accounting conservatism for banks in the UAE over the period 2006-2013. Design/methodology/approach – Multiple regression analysis is used to test the relationship between accounting conservatism as a dependent variable and the independent variables intellectual capital performance, market structure, level of protection against risk, bank size, and bank profitability. The results indicate that intellectual capital performance, market structure, bank size, the level of protection against risk and bank profitability have significant impact on the accounting conservatism for banks in the UAE. These results might help the banking and accounting regulators to address the factors affecting accounting conservatism. This study adds to the literature on the determinants of accounting conservatism in banks. In particular, it tests whether the new theories of intellectual capital performance, market structure and level of protection against risk have an impact on accounting conservatism in the banking industry in the UAE.

ESSENCE OF ACTIVE OPERATIONS OF COMMERCIAL BANKS

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Malinovskaya Irina

2018-01-01

Full Text Available Introduction. Constant changes in the economic situation in the country and in the world give rise to new problems in asset management of commercial banks. This, in turn, requires the timely development and introduction of new and improved mechanisms for active operations of banking institutions. Only the implementation of such adequate mechanisms will allow, on the one hand, to satisfy the needs of consumers of banking services, and on the other – for banking institutions, to obtain the necessary level of profit for the acceptable risk to them. Purpose. Substantiation of theoretical foundations of organization and management of assets of banking institutions and determination of perspective directions of development of active operations in commercial banks. Results. The article provides a list of operations carried out by commercial banks of Ukraine. The essence of the concept of active operations of a banking institution as an important element of its activity for profit is considered. Possible variants of classification of active operations are analyzed, depending on the criterion underlying (risk level, liquidity and term of putting. The definition of a bank loan and its basic principles are given. The purposes and advantages of investment activity of banking institutions are specified, the classification of such activity is carried out. Proposed directions of development of active operations of banking institutions through the use of intermediary operations and unconventional banking services are offered. Conclusions. Currently, banking institutions carry out a large number of different banking operations. Mobilized by carrying out passive operations cash funds of the banking institution are placed through active operations in different directions. The basis of active operations of a commercial bank is its credit and investment operations. A commercial bank’s profits in the future are dependent on their effective conduct. The conduct of

Crossflow and water banks in viscous dominant regimes of waterflooding

DEFF Research Database (Denmark)

Yuan, Hao; Zhang, Xuan; Shapiro, Alexander

2014-01-01

Understanding the crossflow in multilayered reservoirs is of great importance for designing mobility control methods for enhanced oil recovery. The authors reveal saturation profiles in stratified reservoirs to study the interlayer communication in the viscous dominant regime. The displacement...... profiles are more even and smoother in a communicating layer-cake reservoir than in a noncommunicating one. Water banks and transition zones may be observed. Analysis indicates that the phenomena are attributed to the enhanced crossflow due to large mobility ratios (water-oil). The mobility control...

An Exploratory Study of Advancing Mobilization in the Life Insurance Industry: The Case of Taiwan's Nan Shan Life Insurance Corporation.

Science.gov (United States)

Luarn, Pin; Lin, Tom M. Y.; Lo, Peter K. Y.

2003-01-01

Employs a case study method, using in-depth interviews of 29 corporate managers and experts, to understand the current state of mobilization in the life insurance industry. Suggests a conceptual framework and formulates possible research propositions incorporating several variables. Suggests 10 key success factors for implementing mobilization in…

The Future of Banking: From Scale & Scope Economies to Fintech

NARCIS (Netherlands)

Boot, A.W.A.

2017-01-01

Information technology plays a leading role in the transformation of banking. The deepening of financial markets has profoundly affected the business of banking. The recent focus on fintech – basically, new technology-driven players entering the financial services industry – is the latest

Declining cost efficiency as a signal of increasing bank vulnerability: an entropy-based approach

NARCIS (Netherlands)

Balasubramanyan, L.; Stefanou, S.E.; Stokes, J.R.

2010-01-01

The mortgage crisis of 2007/08 has impacted the health of both small and large commercial banks in the financial services industry. The pressing question is how do regulators and bank monitors identify the warning signals of bank vulnerability and bank risk because of weakening credit and asset

Asset growth strategy and bank performance in Nigeria | Toby ...

African Journals Online (AJOL)

This study examines the nature of the relationship between asset growth rate and growth in such output variables as total cost, total income and net profit In the Nigerian banking industry. Based on the data of 25 quoted Nigerian banks, three linear regression models were estimated complemented by descriptive data ...

Indonesia`s Palm Oil Industrialization: the Resistance of Tanjung Pusaka Villagers, Central Kalimantan Against Palm Oil Industry

OpenAIRE

Wulansari, Ica

2017-01-01

Indonesia`s Palm oil industry is the greatest export commodity in the world. Palm oil industry has been developed since Soeharto`s administration with World Bank`s initiative. Indonesia`s development pattern is modernization which is fully supported by global capitalist agent. Furthermore, the government of Indonesia has issued policies to support this industry and the ease of accessibilty for investor to build in Indonesia. Most of the policies focus on economic interest with lack of attenti...