WorldWideScience

Sample records for mobile banking industry

  1. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  2. A Service Architecture Solution for Mobile Enterprise Resources: A Case Study in the Banking Industry

    Science.gov (United States)

    Garcia-Gonzalez, Juan P.; Gacitua-Decar, Geronica; Pahl, Claus

    Providing mobility to participants of business processes is an increasing trend in the banking sector. Independence of a physical place to interact with clients, while been able to use the information managed in the banking applications is one, of the benefits of mobile business processes. Challenges arising from this approach include to deal with a scenario of occasionally connected communication; security issues regarding the exposition of internal information on devices-that could be lost-; and restrictions on the capacity of mobile devices. This paper presents our experience in implementing a service-based architecture solution to extend centralised resources from a financial institution to a mobile platform.

  3. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  4. USE OF MOBILE TECHNOLOGY IN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    ALIN ISAC

    2013-12-01

    Full Text Available Technology and applications of mobile phones offer many opportunities for businesses, they also presenting a continuous development and new challenges. Although this service is currently viewed with reluctance by customers, banks need to overcome this drawback and understand how this service can be combined with other alternative channels such as social media, to create value for customers. In this paper I presented information about present and perspectives in mobile applications industry, what can a mobile application do in banking, banking mobile applications in Romania, mobile banking applications worldwide.

  5. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

    Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

  6. Internet versus Mobile Banking: A Study of Peshawar City (Pakistan)

    OpenAIRE

    MUHMMAD ZEESHAN AHMAD KHAN; SHAHZAD KHAN

    2012-01-01

    The aim of this research is to consider the market status for difference between mobile and internet banking. The worldwide improvement of information technology has affected the banking industry. In the banking segment the impact of information technology is the preface of internet banking and mobile banking. The internet has created an incredible market space, another technology is the mobile phone has emerged to take more important role in business and society. Users attitude and behaviora...

  7. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  8. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

    Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

  9. 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...

  10. Mobile Phone Penetration, Mobile Banking and Inclusive Development in Africa

    OpenAIRE

    Asongu, Simplice; Nwachukwu, Jacinta C.

    2016-01-01

    The study assesses the role of mobile phones and mobile banking in decreasing inequality in 52 African countries. The empirical procedure involves first, examining the income-redistributive effect of mobile phone penetration and then investigating the contribution of mobile banking services in this relationship. The findings suggest an equalizing income-redistributive effect of ‘mobile phone penetration’ and ‘mobile banking’, with a higher income-equalizing effect from mobile banking compared...

  11. Context-aware application for mobile banking

    OpenAIRE

    Polak, Marko

    2011-01-01

    The field of mobile applications is rapidly evolving. The reason for this lies in the development of smartphones and in the beginning of their wider usage. The development of mobile applications is therefore spreading into different fields. One of them is mobile banking. Mobile banking represents new possibilities in the banking sector. It enables banking services that are independent from time and location and, with transition to smartphones, it also enables the usage of advantages of mo...

  12. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

    Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

  13. Customer Perspective on Online Mobile Banking in India - An Empirical Study

    OpenAIRE

    Sreeramana Aithal; K. V. M. Varambally

    2015-01-01

    Advancement of technology has brought in radical changes in the banking industry. Computerization and networking, core banking, automatic teller machine connecting any customer of any bank in any branch with a customer in any other bank in the country has made banks customer friendly. One of the latest introduction is mobile banking. A country with the highest number of mobile users, it has enormous potential in changing the outlook of banking in India and reaching the remote v...

  14. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

    Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

  15. Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

    Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

  16. 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...

  17. Operational Strategy for Mobile Banking in India

    OpenAIRE

    Manjunath, Gowtham

    2010-01-01

    Mobile banking (m-banking) business concepts have become ‘talk of the town’ these days. There has been considerable development in this field and what m-banking concept can offer. M-Rupee has developed a business model and plan to establish a mobile banking business in India taking the opportunity of the new unexplored market. This report is constructed in conjunction with the business plan, which describes the formulation and broader aspects of M-Rupee operational strategy. To understand ...

  18. 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.

  19. 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 ...

  20. Applications of Parallel Processing in Mobile Banking

    Directory of Open Access Journals (Sweden)

    2007-01-01

    Full Text Available The future of mobile banking will be represented by such applications that support mobile, Internet banking and EFT (Electronic Funds Transfer transactions in a single user interface. In such a way, the mobile banking will be able to cover all the types of applications demanded at the market level. The parallel processing of credit card bank transactions could be performed with the help of a grid network. Excluding some limitations, the grid processing offers huge opportunities to exploit the parallelism. For this reason, a lot of applications of waiting queues in grid processing were developed in the last years. Grid networks represent a distinctive and very modern field of the parallel and distributed processing.

  1. 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...

  2. Governance of the impact of price satisfaction dimensions on mobile banking adoption

    Directory of Open Access Journals (Sweden)

    Pinigas Mbengo

    2017-12-01

    Full Text Available The Reserve Bank of Zimbabwe has encouraged the use of mobile banking services in a bid to promote financial inclusion and as an additive banking channel to compliment traditional banking model. The mobile phones have phenomenally changed the way the Zimbabwean banking industry is conducting business. The major purpose of this study is to critically examine the impact of influence of price satisfaction dimensions on behavioural intention to adopt mobile banking. The study used a descriptor-explanatory design whereby descriptive design was a precursor to explanation. Data was collected using a questionnaire and analysed using the Statistical Package for Social Sciences (SPSS. Findings show that relative prices had the strongest positive influence on behavioural intention to adopt mobile banking. However, price confidence did not indicate any significant relationship with dependent behavioural intention and the hypothesis so associated was therefore not supported. Price fairness and price transparency had negative significant relationships with the dependent variable behavioural intention to adopt mobile banking. Given these findings, the researchers made recommendations to various stakeholders in the banking industry. This study is important because it highlights the dimensions that are powerful predictors in attracting new customers in the mobile baking industry.

  3. 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

  4. 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

  5. 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…

  6. 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...

  7. Variability Handling for Mobile Banking Apps on iOS and Android

    DEFF Research Database (Denmark)

    Jørgensen, Jens Bæk; Knudsen, Bjarne; Sloth, Lennert

    2016-01-01

    During the last four years, Mjølner Informatics has developed mobile banking apps for 11 different Danish banks on the two major platforms iOS and Android, in total 22 apps. We make two contributions with this industrial practice paper. In the first place, we describe the development of these apps...

  8. 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

  9. 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 ,

  10. 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

  11. 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...

  12. 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

  13. 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.

  14. Mobile Phone Banking Usage Behaviour: An Australian Perspective

    Directory of Open Access Journals (Sweden)

    Majharul Talukder

    2014-12-01

    Full Text Available While the use of mobile phones in financial transactions is witnessing phenomenal growth at the international level, its growth has been relatively slow in Australia. Drawing on the theory of reasoned action and technology adoption framework, this paper reports the results concerning a survey of mobile phone users for banking transactions in Australia. The paper specifically identified the factors affecting usage behaviour when mobile phone banking services were engaged. The findings broaden and deepen our understanding of the usage of mobile-based banking in the information age. This paper contributes to the knowledge of this subject by including identification and testing of constructs of predictors regarding mobile phone banking, which are additional to those employed in the extant theories indicated above. The findings of this paper have important policy implications for banks in terms of understanding the underlying factors that drive customers’ mobile banking for financial transactions. Accordingly, design strategies have been developed to promote mobile phone banking – a cost effective channel for delivering financial services.

  15. The mobile rig industry

    International Nuclear Information System (INIS)

    Karlsen, J.K.

    1992-08-01

    This study is part of the project ''A competitive Norway'', based on the theories and methods presented in the book ''The competitive advantage of nations'', by Michael E. Porter. The rig market may be segmented according to the type of service, the geographical market and the type of equipment. The focus of the report is exploration and appraisal drilling using jackup rigs and semi-submersible rigs in the Northwestern European market. Market shares of Norwegian, other European and US suppliers in the jackup and semi-submerisible market segments on the Norwegian continental shelf and the entire Northwestern market are presented. The main driving force behind the rig demand is the price of oil, but technological trends and changes in relative importance of the various geographical markets are also important. The industry is fairly fragmented on the supplier side, while the oil companies as customers have substantial bargaining power. There are high exit barriers because of the high capital intensity of the business. Combined with a highly volatile demand, this forces the industry through cycles of low capacity utilization and depressed rig day rates. 8 refs., 19 figs., 2 tabs

  16. 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,...

  17. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    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.

  18. 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.

  19. 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...

  20. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    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.

  1. 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.

  2. 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.

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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.

  8. 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.

  9. Risks and benefits from using mobile banking in an emerging country

    Directory of Open Access Journals (Sweden)

    Onneile Juliet Ntseme

    2016-11-01

    Full Text Available An emerging countries banking service providers are eager to implement new technologies and services in order to grasp, penetrate the market and gain competitive advantage. The banks made use of technology by introducing new products such as mobile banking, but customers are not really adopting this new banking model provided as a result some challenges. Then, the overall objective of this study is to explore the risks and benefits on acceptance and usage of mobile banking by users in emerging countries. Also, to identify whether the independent variables are statistically significant factors in the adoption of mobile banking. The research established the effect of independent variables, which include perceived usefulness, and perceived ease use on dependent variables, i.e. the adoption of mobile banking. In the findings it was found that participants would use mobile banking if it is easy to use because then it will be useful to them. Conclusions were made that perceived ease of use of mobile banking positively affect perceived usefulness of mobile banking, perceived ease of use of mobile banking positively affect the behavioral intention to use mobile banking while perceived usefulness of mobile banking has a positive impact on the behavioral intention to use mobile banking

  10. 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)

  11. 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...

  12. 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

  13. 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...

  14. 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 (...

  15. 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 ...

  16. 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.

  17. Factors influencing Sudanese microfinance intention to adopt mobile banking

    Directory of Open Access Journals (Sweden)

    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.

  18. 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

  19. 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.

  20. 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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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

  9. 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.

  10. 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.

  11. 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.

  12. 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

  13. Board Effectiveness in the European Banking Industry

    DEFF Research Database (Denmark)

    Busta, Ilduara; Hobdari, Bersant

    2015-01-01

    The existence of different optimal governance structures across industries is often cited as the reason for the lack of a significant relationship between firms' board of directors and financial performance. We provide evidence of the nature of the relationship between the size and independence...

  14. 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 ...

  15. 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

  16. 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

  17. 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 ...

  18. 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. ...

  19. 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.

  20. 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

  1. Knowledge management and organizational innovativeness in Iranian banking industry

    Directory of Open Access Journals (Sweden)

    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.

  2. 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...

  3. 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%

  4. PREDICTING CUSTOMER CHURN IN BANKING INDUSTRY USING NEURAL NETWORKS

    Directory of Open Access Journals (Sweden)

    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.

  5. IT Security Management Implementation Model in Iranian Bank Industry

    Directory of Open Access Journals (Sweden)

    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.

  6. 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…

  7. 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...

  8. 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...

  9. 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...

  10. Measurement of cost efficiency in the European banking industry

    Directory of Open Access Journals (Sweden)

    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.

  11. 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.

  12. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  14. 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.

  15. 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,

  16. 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...

  17. 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...

  18. 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....

  19. 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,…

  20. 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...

  1. 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.

  2. 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

  3. 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

  4. 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...

  5. 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...

  6. An Exploration of Customers’ Switching Behavior In Islamic Banking Industry

    Directory of Open Access Journals (Sweden)

    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.

  7. 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...

  8. 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 ...

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. Spatial dynamic of mobile dunes, soil crusting and Yobe's bank ...

    African Journals Online (AJOL)

    In the fluvio-deltaic area of Kadzell, the soil crusting and the Yobe River retreat remain the major damages. The crusting area has been multiplied by more than two while the lateral migration of the Yobe bank reached near of 3 m.yr-1. This study highlights the key role of man in the process of degradation related to climate ...

  14. 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.

  15. AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY

    Directory of Open Access Journals (Sweden)

    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

  16. 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

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

    Directory of Open Access Journals (Sweden)

    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.

  18. 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 ...

  19. 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

  20. 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...

  1. 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”,

  2. 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...

  3. 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.

  4. 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.

  5. 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...

  6. China Mobile Phone Industry CEO Annual Meeting Opening in November

    Institute of Scientific and Technical Information of China (English)

    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".

  7. 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’...

  8. 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 ...

  9. 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...

  10. 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.

  11. 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...

  12. Industri Mobil Nasional : Perspektif Berlian Porter

    OpenAIRE

    Manurung, Elvy Maria

    2012-01-01

    Our national industry today does not have a basis yet for competitive advantage. Since the beginning of the aircraft industry (IPTN) decades ago up to the present, our country has not had yet the competitive advantage in one particular industry that can compete in a global trade. “Kiat Esemka” seems to encourage the emergence of national automobile industry. This also prove that our nation in this Creative Era (an era that emphasize creativity as a primary source) has the potential to compete...

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

    Directory of Open Access Journals (Sweden)

    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.

  14. China's Burgeoning Mobile Phone Industry

    Institute of Scientific and Technical Information of China (English)

    LIWUZHOU

    2003-01-01

    WHEN the cell phone first appeared on the Chinese market in the late 1980s it cost 10,000-20,000 yuan,and was the size of a brick.Regarded as the ultimate status symbol,it was called the da ge da,meaning very influential person.At that time,sales of mobile phones were under state control,and stocks were limited.Purchasers were required to place an order and make an 80 percent down payment.How things have changed!Mobiles are now available in multiple choices of size,color and function,on request.

  15. 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.

  16. 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.

  17. 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

  18. Risk Reporting: An Analysis of the German Banking Industry

    NARCIS (Netherlands)

    L. van Oorschot (Laura)

    2010-01-01

    textabstractExecutive summary The recent financial crisis resulted in an increased attention on the risks of banks and their financial instruments. This article discusses the outcomes of a study on the quantity and quality of market, credit, and liquidity risk disclosures and the relationship 1)

  19. Corporate Governance in the Nigerian Banking Industry: Issues and ...

    African Journals Online (AJOL)

    DR Nneka

    Globalization and Information and Communication Technology (ICT) took the world by storm ... of directors and audit committees failed to constrain “creative” accounting to keep up ... the system of internal controls and procedures by which individual companies are ..... Banking Reforms and its Impact on Nigerian Economy.

  20. 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.

  1. 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.

  2. An Empirical Investigation on Mobile Banking Service Adoption in Rural Karnataka

    Directory of Open Access Journals (Sweden)

    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.

  3. 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.

  4. 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...

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

    Directory of Open Access Journals (Sweden)

    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.

  6. 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.

  7. Implementation of Business Intelligence on Banking, Retail, and Educational Industry

    OpenAIRE

    Sundjaja, Arta Moro

    2013-01-01

    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, retai...

  8. Measuring the value of internal audit in the banking industry

    Directory of Open Access Journals (Sweden)

    Clara-Iulia Zinca (Voiculescu

    2016-09-01

    The results of the study suggest that most organizations use methods that contain mainly quantitative and less qualitative elements. There are differences between banks and other types of organizations in terms of the methods and practices used, but also on the importance showed to measurement of internal audit value. In addition, the findings confirm that there is room for improving the methods and practices used, so that the audit function gains value and credibility.

  9. BUSINESS ETHICS AND ITS IMPORTANCE IN BANKING INDUSTRY

    OpenAIRE

    Amith Menezes

    2016-01-01

    Business ethics is defined as "the process of evaluating decisions, either before or after, with respect to the moral standards of society."Core ethical values include honesty, integrity, fairness, responsible citizenship and accountability. In short, business ethics means "choosing the good over the bad, the right over the wrong, the fair over the unfair, the truth over the lie". Observing the law is one basic professional requirement for banks. They must also pay close attention to moral co...

  10. Workplace spirituality and organizational citizenship behavior: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    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.

  11. 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...

  12. 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

  13. 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 ...

  14. 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...

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

    Directory of Open Access Journals (Sweden)

    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.

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

    Directory of Open Access Journals (Sweden)

    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.

  17. 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.

  18. 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....

  19. Comparative economic value added on Southeast Asian banking industry

    Directory of Open Access Journals (Sweden)

    Lintang Dewanti

    2017-03-01

    Full Text Available This study analyses the bank's performance comparison across countries in some ASEAN members which are listed in the stock exchange, as well as to analyse the influence of Economic Value Added (EVA and some financial ratios on the company stock return. Analysis suggests some results. In Indonesia, Thailand and the Philippines, the movement of EVA follows the movement of Gross Domestic Product (GDP. This study also finds that Earning per Share (EPS, only in Singapore, and Return on Equity (ROE and Return on Assets (ROA, only in the Philippines, have an influence on stock return. Only in the Philippines where EVA together with ROA has an effect on stock return.

  20. 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...

  1. 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.

  2. 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 ...

  3. Securitization in the Brazilian Banking Industry: An Empirical Study

    Directory of Open Access Journals (Sweden)

    Umbelina Cravo Teixeira Lagioia

    2009-05-01

    Full Text Available Securitization is a modality of structured finance which allows a company to raise funds based on its receivables through capital markets. In Brazil, securitization was developed mostly in the form of mutual funds -- the FIDC, which raise money by issuing senior quotas for qualified investors, and subordinated cotes, usually bought by the company that originated the receivables. This paper evaluates the risk and return for both kinds of investors through a stochastic model with two main variables: interest rates and default rates. The model is still sensible to the characteristics of the fund, like the amount of subordinated cotes, the type of asset being securitized; and the amount of receivables in relation to the assets. Regarding the case of senior cotes, the risk of returns under the basic level of interest rates is highly improbable; and in the case of subordinated cotes, the risk of returns under the basic interest rate may be considered still low, due to the high spreads observed in the Brazilian financial market. The simulations indicated that under historically mean interest rate volatility the default rates are the main component of the total risk. Accordingly to the developed analysis of international standards of regulation, the Brazilian Central Bank imposes very strong capital requirements to banks that securitize their assets and purchase the corresponding subordinated cotes.

  4. Risk Management in the Nigerian Banking Industry: A Case Study of Guaranty Trust Bank

    OpenAIRE

    Usman, Fatima

    2014-01-01

    Every organisation exists to provide value of its stakeholders, as a result they have to take make decisions that involves risks and they also have to take on some risks in order to deliver returns. Also, all banking institutions in the process of providing services face financial risk and failure to manage these risks can result in loss in earnings, failure to meet business objectives, these factors in general may hinder a bank’s inability to conduct its on-going business and business surviv...

  5. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  7. 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

  8. Prediction of default probability in banking industry using CAMELS index: A case study of Iranian banks

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-04-01

    Full Text Available This study examines the relationship between CAMELS index and default probability among 20 Iranian banks. The proposed study gathers the necessary information from their financial statements over the period 2005-2011. The study uses logistic regression along with Pearson correlation analysis to consider the relationship between default probability and six independent variables including capital adequacy, asset quality, management quality, earning quality, liquidity quality and sensitivity of market risk. The results indicate that there were no meaningful relationship between default probability and three independent variables including capital adequacy, asset quality and sensitivity of market risk. However, the results of our statistical tests support such relationship between default probability and three other variables including management quality, earning quality and liquidity quality.

  9. 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.

  10. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  12. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  14. 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…

  15. 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

  16. 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.

  17. 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...

  18. 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.

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

    Directory of Open Access Journals (Sweden)

    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.

  20. The European industry reliability data bank EIReDA

    International Nuclear Information System (INIS)

    Procaccia, H.; Aufort, P.; Arsenis, S.

    1997-01-01

    EIReDA and the computerized version EIReDA.PC are living data bases aiming to satisfy the requirements of risk, safety, and availability studies on industrial systems for documented estimates of reliability parameters of mechanical, electrical, and instrumentation components. The data updating procedure is based on Bayesian techniques implemented in a specific software: FIABAYES. Estimates are mostly based on the operational experience of EDF components, but an effort has been made to bring together estimates of equivalent components published in the open literature, and so establish generic tables of reliability parameters. (author)

  1. 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.

  2. 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...

  3. 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.

  4. 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...

  5. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  6. 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...

  7. 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.

  8. "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.

  9. 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.

  10. 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.

  11. 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.

  12. 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…

  13. 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.

  14. 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...

  15. 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

  16. 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...

  17. 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...

  18. 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.

  19. 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...

  20. 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

  1. 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.

  2. 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

  3. 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

  4. 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.

  5. 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.

  6. 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.

  7. 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...

  8. 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...

  9. 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.

  10. 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.

  11. 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...

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

    Directory of Open Access Journals (Sweden)

    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.

  13. 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.

  14. ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    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.

  15. Autonomous Industrial Mobile Manipulation (AIMM) - Maturation, Exploitation and Implementation

    DEFF Research Database (Denmark)

    Bøgh, Simon

    ) "Little Helper" is introduced, a manufacturing assistant inspired by the Walt Disney character. The main rationale of the AIMM concept is a compromise between traditional automation (efficiency) and manual labor (flexibility), which contributes to realizing transformable manufacturing systems. From...... a state-of-the-art review, it is observed that implementations of mobile manipulators in industry have been limited although the needs for flexible automation are present. The second topic is “Identifying skills for AIMM robots” and is dedicated to defining a unifying terminology for task......-level programming by means of skills with focus on the identification of skills for AIMM robots. The terminology is built as a hierarchy similar to that of human action modeling (e.g. actions and activities) or human language (e.g. words and sentences). Two approaches are applied for identifying relevant skills...

  16. 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...

  17. Brand image, cultural events and loyalty in mobile industry

    Directory of Open Access Journals (Sweden)

    Thelma Valéria Rocha

    2013-05-01

    Full Text Available : This study analyses the effect of cultural events in brand image and customers’ loyalty in the mobile industry. The main relevance is to discuss the effectiveness’ of cultural events, those demanding high investments’ for the companies which have to explain the results in terms of loyalty and brand image. The subject is reviewed theoretical considering three topics: cultural events, brand image and loyalty, which lead to hypotheses to be tested. The field research of a quantitative nature uses the survey method, which was applied to 150 teenagers consumers of mobiles companies, classes A and B. The results of field research show that there is a positive relationship between cultural activities and brand image, and between the brand image and loyalty. However, there was significant correlation between cultural events and loyalty only to B Company. It may be related with B events wish were prepared to this target and may improve loyalty. To companies as A and C, brand image acts as moderator between cultural events and loyalty. These results indicated that cultural events may have impact in loyalty, since the company developed those actions to the target. As contribution, this study fills a gap which is the study that discusses effect of cultural activities on brand image and loyalty, in emerging economies, as Brazil, where few researches consider cultural events.

  18. 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.

  19. 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.

  20. 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.

  1. 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

  2. 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.

  3. 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...

  4. 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.

  5. 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

  6. 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...

  7. 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...

  8. 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...

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

    Directory of Open Access Journals (Sweden)

    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.

  10. 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

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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.

  16. 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.

  17. Organizational Culture, Absorptive Capacity, Innovation Performace and Competitive Advantage: An Integrated Assessment in Indonesian Banking Industry

    Directory of Open Access Journals (Sweden)

    Ahmad Adriansyah

    2015-06-01

    Full Text Available The positive impact of absorptive capacity (ACAP on innovation and the positive impact of innovation on competitive advantage have been proven in different research contexts. However, current knowledge on organizational culture that affects ACAP, innovation and competitive advantage as a whole, remains unclear. This article proposes a model to examine how organizational culture (developmental culture and rational culture affects ACAP, innovation and competitive advantage, directly and indirectly as well.  Surveyed data (in Indonesian Banking Industry shows that both of organizational culture have a direct impact on ACAP. Only developmental culture has a direct impact on innovation. There is no culture type affects competitive advantage directly. In this research, culture affects competitive advantage through ACAP and innovation.    

  18. 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

  19. 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.

  20. 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...

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

    Directory of Open Access Journals (Sweden)

    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

  2. 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…

  3. 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.

  4. 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

  5. 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

  6. 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...

  7. 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.

  8. 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...

  9. 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.

  10. 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.

  11. 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.

  12. 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

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. Mobile Sensor Networks for Inspection Tasks in Harsh Industrial Environments

    NARCIS (Netherlands)

    Mulder, Jacob; Wang, Xinyu; Ferwerda, Franke; Cao, Ming

    Recent advances in sensor technology have enabled the fast development of mobile sensor networks operating in various unknown and sometimes hazardous environments. In this paper, we introduce one integrative approach to design, analyze and test distributed control algorithms to coordinate a network

  18. Unraveling the Role of Public Researcher Mobility for Industrial Innovation

    DEFF Research Database (Denmark)

    Kongsted, Hans Christian; Kaiser, Ulrich; Ejsing, Ann-Kathrine

    We estimate the relative contribution of mobile scientists who leave academia for the private sector on the subsequent innovative performance of the firms they join. We use data on the population of Danish firms and their R&D workers for the period 1999-2004 and measure innovation performance...

  19. The Role of University Scientist Mobility for Industrial Innovation

    DEFF Research Database (Denmark)

    Ejsing, Ann-Kathrine; Kaiser, Ulrich; Kongsted, H.C.

    . Combining patent data and matched employer-employee data for Danish firms, we can track the labor mobility of R&D workers from 1999 to 2004. We find that new joiners contribute more than long-term employees to innovative activity in the focal firm. Among new firm recruits, we observe that newly hired former...

  20. Innovation in the European and Japanese mobile telecommunications industry

    NARCIS (Netherlands)

    Tee, R.

    2007-01-01

    When we compare the development of mobile data services in Japan and Europe, we observe a number of important differences. These differences can be found along the lines of usage behavior - both quantitatively and qualitatively - as well as the role and structure of the various actors found in the

  1. 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.

  2. 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.

  3. Technology Provisioning in the Mobile Industry: a Strategic Clustering

    Directory of Open Access Journals (Sweden)

    Antonio Ghezzi

    2012-07-01

    Full Text Available This article develops a strategic clustering for Mobile Middleware Technology Providers (MMTPs, shedding light on the business models and the strategic positioning currently adopted by this actor typology. The paper combines a literature review and a multiple case study approach – 24 in‐depth cases based on 72 semi‐ structured interviews were performed – to deal with a significant and relatively new issue, i.e., the role of technology providers in the mobile value network. Through the creation of a system of strategic clustering matrices, four key business models currently adopted by MMTPs – “Pure Play”, “Full Asset”, “Third Parties Relationship‐focused” and “Platform and Content Management” – are identified, and insightful conclusions on the impact of this actor’s newly emerging influence on the market’s competitive dynamics are drawn. The framework created supports a wide set of mobile communications stakeholders – both incumbent and new entrants – in their decision making and strategy analysis process.

  4. The validation of a workplace incivility scale within the South African banking industry

    Directory of Open Access Journals (Sweden)

    Olivia Smidt

    2016-05-01

    Full Text Available Orientation: Workplace incivility holds consequences for both individuals and organisations. Managers are becoming increasingly aware of this phenomenon. Currently, there is no workplace incivility scale validated for use within the South African context. Research purpose: To investigate the reliability and validity of the adapted workplace incivility scale by Leiter and colleagues for use within South Africa. Motivation for the study: As it is currently difficult to measure workplace incivility within the South African context because of the lack of a valid and reliable scale, it is necessary to validate such a scale. Research design, approach and method: A cross-sectional research approach was used for the study. Convenience sampling (N = 345 was used within the South African banking industry. Specifically, the factor structure, convergent validity, discriminant validity and predictive validity were investigated in order to establish the overall validity of the scale. Main findings: The results confirmed that the scale showed a three-factor structure as bestfitting with acceptable reliability coefficients. Furthermore, discriminant validity could be shown between workplace incivility and workplace bullying, that is, supporting that these two constructs are not the same phenomenon. In terms of relationships, colleague incivility did not significantly predict any of the outcome variables and instigated incivility only being a negative predictor of job satisfaction and a borderline statistically significant negative predictor of work engagement. However, supervisor incivility predicted all the outcomes negatively. Practical/Managerial implications: Based on the results, workplace incivility should be addressed because of the harmful effects it can have, not only on employees but also on organisations. It is therefore necessary for managers to create awareness of workplace incivility in order to ensure that it does not integrate within the

  5. 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.

  6. 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 ...

  7. 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

  8. 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.

  9. 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...

  10. 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

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

    Directory of Open Access Journals (Sweden)

    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.

  12. 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.

  13. A study on the effects of human resource management on making change within organization: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Mahdi Eyvazi

    2013-10-01

    Full Text Available This paper presents a study to find the effects of human resource management on empowering employees in banking industry. The proposed study designs a questionnaire and distributes it among 243 randomly selected employees of the first Iranian private banks called Saman. There are four hypotheses in this survey. The first hypothesis investigates whether employment type influences customer satisfaction or not. The second hypothesis of the survey studies whether training as well as empowering employees could increase organizational commitment or not. The third hypothesis of the survey investigates whether there is a positive relationship between creating motivation as well as job security and profitability. Finally, the last hypothesis of this survey tries to find out whether there is a positive and meaningful relationship between leadership style and supplier satisfaction. The implementation of some statistical tests confirms all four hypotheses of the survey.

  14. Skill Structure and Labour Mobility in Outsourcing Industries

    DEFF Research Database (Denmark)

    Timmermans, Bram; Østergaard, Christian Richter

    difference on a set of employment characteristics, i.e. employment growth, growth in high skilled employees, and growth in employees with a background in science and engineering by using a partial propensity score matching approach. The findings of the analyses show that there are clear differences between......In this paper, we investigate, by merging the Danish linked employer-employee database with a Danish offshoring survey, the difference in employment between offshoring and non-offshoring firms that are active in manufacturing industries and business services in Denmark. We measure the mean...

  15. 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....

  16. Determinants of corporate dividend payment policies: A case of the banking industry in South Africa

    Directory of Open Access Journals (Sweden)

    Jason Kasozi

    2015-10-01

    Full Text Available Dividends are of strategic importance to organisations because they form the nexus of organisations’ capital structures and have an important bearing on firm value. Consequently, this study sought to investigate factors affecting dividend policy formulations and practices of South African banks by assessing the application of ex ante dividend theory literature on these firms. Our approach followed a mixed-methods design of analysis with a behavioural stand point of eliciting responses from banking experts through a survey. Findings indicate that factors relating to financial performance, investor needs and preferences and regulatory considerations are crucial for dividend decisions among banks. Overall, findings cast doubt on signalling, clientele and catering hypotheses, yet find favourable support for agency and lifecycle theories

  17. An empirical study for measuring the success index of banking industry

    Directory of Open Access Journals (Sweden)

    Mohsen Mardani

    2012-08-01

    Full Text Available Measuring organization performance plays an important role for developing better strategic plans. In today's competitive environment, organizations attempt for the product quality or offering the service, delivery, reliability capability and the customer satisfaction. These properties are not measurable only by traditional financial criteria and we need a method, which could consider non-financial factors as well. The present study of this paper proposed a hybrid of balanced score card (BSC and data envelopment analysis (DEA method for an empirical study of banking sector. The study proposes a model for assessing the Tose`eTa`avon bank performance, which is an example of governmental credit and financial services institutes. The study determines different important factors associated with each four components of BSC and uses analytical hierarchy process to rank the measures. In each part of BSC implementation, we use DEA for ranking different units of bank and efficient and inefficient units are determined.

  18. Board Size and Board Independence: A Quantitative Study on Banking Industry in Pakistan

    Directory of Open Access Journals (Sweden)

    Kashif Rashid

    2014-12-01

    Full Text Available This paper aims to investigate the relationship of board independence and board size with productivity and efficiency of the listed banks on the Karachi Stock Exchange, Pakistan. There is a lack of consensus regarding impact of corporate governance practices in correspondence to number of board members and board independence in banking sector. The derived results of the study show that there is a positive relationship between board independence and bank profitability and efficiency. Independent directors play a crucial role in providing genuine advice during executive decision making process which is an important source for improving overall corporate governance. Moreover, results regarding the role of control variables suggest a positive relationship of the total assets and deposits of the firm with the firm’s performance supporting stewardship theory in the market.

  19. 76 FR 43689 - Draft Guidance for Industry and Food and Drug Administration Staff; Mobile Medical Applications...

    Science.gov (United States)

    2011-07-21

    ... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2011-D-0530] Draft Guidance for Industry and Food and Drug Administration Staff; Mobile Medical Applications; Availability AGENCY: Food and Drug Administration, HHS. ACTION: Notice. SUMMARY: The Food and Drug...

  20. 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...

  1. 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

  2. The Relationship between Organizational Culture and Performance: Merger in the Nigerian Banking Industry

    Science.gov (United States)

    Okoro, Henrietta Mbamalu

    2010-01-01

    Recent merger waves in most organizations fail to increase organizational performance and sustain competitive advantage. Several U.S. organizational mergers failed to sustain market competition and retain employees. Most consolidated and merged banks in Nigeria are in distress and have failed to increase organizational performance. Currently,…

  3. Understanding Market Concentration: Internet-Based Applications from the Banking Industry

    Science.gov (United States)

    Hays, Fred H.; Ward, Sidne Gail

    2011-01-01

    Market structure is an essential topic in economics and finance courses, including bank management as well as many other business school courses, for example marketing, human resources and strategic management. Instructors explain the virtues of perfect competition and the evils of monopoly along with alternative market models. Often conversations…

  4. 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.

  5. 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.

  6. Radium contamination of the Laak river banks as a consequence of phosphate industry in Belgium

    International Nuclear Information System (INIS)

    Paridaens, J.; Vanmarcke, H.

    2002-01-01

    For over half a century, phosphate ores of marine origin, containing 226 Ra have been processed in Belgium to produce calcium phosphate for use in cattle food. As a result, the wastewaters contained 226 Ra, which was discharged into two little rivers, one of which is the Laak. The purpose of this study was to chart the radium contamination of the river banks, and of some areas that are regularly flooded by the river. It was seen that enhanced concentration of 226 Ra do occur along the river banks, but that the contaminated area is mostly confined to a 10 m strip on both sides of the river, even in the flooding zones. At present, no dwellings are present on top of the contamination, and no crops for direct human consumption are grown there, so there is no immediate threat to the population. (author)

  7. Blockchain database; technical background and a reconnaissance on an implementation within the banking industry

    OpenAIRE

    Johansson, Tom; Charpentier, Viktor

    2017-01-01

    All human interaction can be depicted as exchanges. We exchange trivial information, feelings, assets and more. Valuable exchanges have one thing in common; they all require some degree of trust. In today’s society we rely on institutionalized trust when commencing an exchange of value. Typically, this role is filled by a vast ecosystem consisting of commercial banks, clearinghouses and other third parties. The recent rise of Bitcoin, Ethereum and consequent attention on the underlying techno...

  8. CUSTOMERS’ PERCEPTIONS OF SERVICE QUALITY DIMENSIONS IN THE INDONESIAN BANKING INDUSTRY: AN EMPIRICAL STUDY

    Directory of Open Access Journals (Sweden)

    Ananda Sabil Hussein

    2015-01-01

    Full Text Available This study aims to investigate the dimensions of hierarchical service quality in the area of the banking sector as well as to determine its relationships with other constructs, namely corpo-rate image and customer loyalty. One hundred and eleven respondents participated in this study. Partial Least Squares were employed to analyse the data. The inner and outer model evaluations showed that the proposed model was robust. This study found that the interaction quality, outcome quality and physical quality were the dimensions of service quality which were formed in the hierarchical model. In addition, this study indicated that service quality was a robust determinant of corporate image and customer loyalty in the banking sector. Similar to service quality, corporate image was also found to be an essential predictor of customer loyalty as well as the mediator between service quality and customer loyalty. To enhance the under-standing of service quality in the banking sector, further studies might add additional constructs such as brand engagement, perceived value, and customer experience.

  9. The effect of knowledge management on organizational innovation: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Ali Valipour

    2017-11-01

    Full Text Available Knowledge management is frequently identified as an important antecedent of innovation. However, few empirical studies have specifically addressed antecedents and consequences of effective knowledge management. Today, domestic organizations are compelled, as well as other international organizations and have to compete to stay in business environment. Hence, they must be innovative. The purpose of this study is to evaluate the effect of knowledge management on employee's innovation in organizations through empowerment as a mediator for a case study of the Agricultural Bank of Qazvin province of Iran. Required information was gathered by a self-made questionnaire adapted and based on conceptual model adapted from previous studies. The population of this study consists of 369 employees of the Agricultural Bank of Qazvin. A total of 200 questionnaires were distributed, in which 188 valid questionnaires were collected. These questionnaires were distributed randomly among the male and female employees in branches of Agricultural Bank. The questionnaire is conducted by factor analysis and the reliability is measured by Cronbach's alpha. The structural equation modeling is used for data analysis. The results reveal the fact that empowerment will lead to employee's innovation. However, other variables did not have any significant and direct or indirect effect on employee's innovation.

  10. 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.

  11. 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 ...

  12. Audit Fees and IAS/IFRS Adoption: Evidence from the Banking Industry

    OpenAIRE

    Perotti, Pietro; Cameran, Mara

    2014-01-01

    The adoption of International Accounting Standards/International Financial Reporting Standards (IAS/IFRS) has two opposite effects on audit fees: on the one hand, greater effort is required from auditors, which is likely to be reflected by higher fees; on the other hand, if IAS/IFRS improve the quality of financial reporting, expected liability costs could decrease and lower fees may be demanded. We consider a large sample of Italian banks and we examine the effect of IAS/IFRS adoption on aud...

  13. 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.

  14. 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.

  15. 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...

  16. “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.

  17. 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.

  18. 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...

  19. The Effect of Work Stress and Coping on Organizational Justice: An Empirical Investigation of Turkish Telecommunications and Banking Industries

    Directory of Open Access Journals (Sweden)

    Tutku Seckin-Celik

    2016-12-01

    Full Text Available The aim of this paper is to investigate the role of coping mechanisms and work stress on employees’ perceptions of organizational justice. A survey of 211 white-collar employees in the banking and telecommunications industries was taken. Multiple regression analyses were performed in order to understand the effect of coping mechanisms and work stress on organizational justice. The results showed that overall perception of justice is affected negatively by work stress and positively by coping mechanisms, except emotion-focused coping. However, sub-dimensions of organizational justice showed distinctive relationship patterns. Thus, it was concluded both individual and organizational determinants play a role in employees’ perceptions of organizational justice.

  20. The relationship between operating risk and accounting conservatism: Evidence from Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Mehdi Taghavi

    2014-04-01

    Full Text Available The purpose of this study is to analyze the relationship between operational risk and accounting conservatism. The criterion used for operational risk in this study is asset volatility and for accounting conservatism, we use Ball and Shivakumar (2005 model [Ball, R., & Shivakumar, L. (2005. Earnings quality in UK private firms: comparative loss recognition timeliness. Journal of Accounting and Economics, 39(1, 83-128.], which analyzes accounting from balance sheet sight. The statistical society used in this study is taken from 15 banks in Tehran Stock Exchange over the period 2006-2012. The research result demonstrates that there was a negative relationship between operational risk and accounting conservatism. In other words, there is a significant negative relationship between operational risk and accounting conservatism. Hence, the results suggest that with an increase (decrease in operational risk, accounting conservatism decreases (increases.

  1. Analyzing effects of service encounter quality on customer satisfaction in banking industry

    Directory of Open Access Journals (Sweden)

    Hossein Gazor

    2012-04-01

    Full Text Available Service quality represents a modern approach for quality in enterprises and organizations and serves the development of a truly customer-focused management and culture. Measuring service quality offers an immediate, meaningful and objective feedback about clients' preferences and expectations. In this paper, we study the relationship between customer perceptions from service encounter quality and loyalty of customer to organization and employees. The proposed study is implemented for banking sector in Iran using SERVQUAL factors and considers various factors influencing the quality of service. The results of the survey indicate that service quality systems, customer satisfaction are the most desirable factors based on the feedback we received from the customers. In addition, response to customers and loyalty to employees, service encounter quality, service and loyalty to organization, arrangements are in the next levels, respectively.

  2. A survey on relationship between intellectual capital and organizational innovation: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Gholam Panahandeh

    2014-04-01

    Full Text Available This paper presents an empirical investigation to study the relationship between intellectual capital and organizational innovation in an Iranian bank named Ghavamin located in city of Zanjan, Iran. The proposed study uses a questionnaire introduced by Bontis [Bontis, N. (1999. Managing organisational knowledge by diagnosing intellectual capital: framing and advancing the state of the field. International Journal of technology management, 18(5, 433-462.] for measuring the effect of intellectual capital and designs a questionnaire to measure organizational innovation. The questionnaires are distributed among 40 randomly selected managers and regular employees and using Pearson correlation as well as stepwise regression model, the study has detected positive and meaningful relationship between intellectual capital and organizational innovation.

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

    Directory of Open Access Journals (Sweden)

    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.

  4. 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.

  5. 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.

  6. 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...

  7. The strategy of the banking industry in Indonesia: following institutional theory or resource-based view?

    Directory of Open Access Journals (Sweden)

    Amin Wibowo

    2017-09-01

    Full Text Available Studi ini membahas perdebatan yang terus dialami oleh perusahaan – apakah perusahaan lebih baik menggunakan strategi yang berbeda atau strategi serupa dibandingkan dengan perusahaan lain untuk mencapai kinerja yang baik. Dengan menggunakan teori institusional dan pandangan berbasis sumberdaya sebagai kerangka kerja, penelitian ini menjawab pertanyaan dan membuktikan strategi mana yang benar-benar mempengaruhi kinerja perusahaan. Dengan menggunakan data dari industry perbankan Indonesia, hasil analisis menunjukkan bahwa menggunakan strategi yang berbeda meningkatkan kinerja perusahaan (ROA. Kata Kunci:      Teori Institutional, Resource-based View, Isomorphisma, Strategi, Kinerja Perusahaan, IndustriPerbankan, Indonesia.

  8. 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…

  9. A program to develop the domestic natural gas industry in Indonesia: Case history of two World Bank projects

    International Nuclear Information System (INIS)

    Klass, D.L.; Khwaja, S.

    1992-01-01

    Indonesia depends heavily on revenues from the export of LNG and oil, the availability of which appears to be decreasing. It is therefore making a strong effort to accelerate development of a domestic natural gas industry. A high priority has been given to the conversion of power plants and city gas systems, including local industries and commercial facilities, from liquid fuels to natural gas. This will release more oil for export, help to meet the objectives of Repelita V, and provide substantial environmental benefits. The World Bank recently provided loans to the Indonesian Government for two projects that are aimed at substituting natural gas for oil and manufactured gas in domestic markets. One project involves expansion of the gas distribution systems of Indonesia's natural gas utility (PGN) in three cities: Jakarta and Bogor in Java, and Medan in Sumatra. Approximately 350 new industrial, 800 new commercial, and 12,700 new residential natural gas customers are expected from this project. Incremental gas sales are projected to be about 48.1 million CF/d when the project is completed in 1992. The project also includes training programs for PGN staff and an energy pricing policy study to be carried out by Indonesia's Ministry of Mines and Energy. The second project involves expansion of the supply of natural gas for Surabaya and twelve other towns in its vicinity in East Java, and further expansion of Medan's supply system. The gas for Surabaya will be used for about 400 industrial and 150 commercial customers, and 3,600 households. The additional gas supply for Medan will be used for two power plants operated by the state electric utility, PLN. Incremental natural gas sales from this project are projected to be 68 million CF/d when it is

  10. An investigation on how TQM influences employee performance: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Saeed Hakami Nasab

    2014-01-01

    Full Text Available This paper presents an empirical investigation to study the relationship between employee performance and TQM. The proposed study of this paper designs two questionnaires for TQM and performance measurement and distributes them among some employees who worked for one of Iranian banks in city of Semnan, Iran. The result of Kolmogorov–Smirnov test confirms that all data are normally distributed and the study uses Pearson correlation to investigate the relationship between various components of the survey. The result of the implementation of Pearson correlation ratio indicates that there was a positive and meaningful relationship between employee performance and TQM components (r=4.6223, P-value=0.000. In addition, there are some positive and meaningful relationships between TQM components and employee performance. The highest correlation belongs to relationship between employee performance and feedback (r=4.6223, P-value=0.000 followed by training and development (r = 0.441, P-value = 0.000 and communication (r = 4.2861, P-value = 0.000.

  11. The effect of occupational stress, psychological stress and burnout on employee performance: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Shahram Hashemnia

    2014-09-01

    Full Text Available This paper presents an empirical investigation on the effects of occupational stress, psychological stress as well as job burnout on women’s employee performance in city of Karaj, Iran. The proposed study designs a questionnaire in Likert scale and distributes it among all female employees who worked for Bank Maskan in this city. In our survey, employee performance consists of three parts of interpersonal performance, job performance as well as organizational performance. Cronbach alpha has been used to verify the overall questionnaire, all components were within acceptable levels, and the implementation of Kolmogorov-Smirnov test has indicated that the data were not normally distributed. Using Spearman correlation ratio as well as regression techniques, the study has determined that while psychological stress influenced significantly on all three components of employee performance including interpersonal performance, job performance as well as organizational performance, the effect on job performance was greater than the other components. In addition, occupational stress only influences on organizational as well as interpersonal performance. Finally, employee burnout has no impact on any components of employee performance.

  12. A program to develop the domestic natural gas industry in Indonesia: Case history of two World Bank projects

    International Nuclear Information System (INIS)

    Klass, D.L.; Khwaja, S.

    1991-01-01

    Indonesia depends heavily on revenues from the export of LNG and oil, the availability of which appears to be decreasing. It is therefore making a strong effort to accelerate development of a domestic natural gas industry. A high priority has been given to the conversion of power plants and city gas systems, including local industries and commercial facilities, from liquid fuels to natural gas. This will release more oil for export, help to meet the objectives of Repelita V, and provide substantial environmental benefits. The World Bank recently provided loans to the Indonesian Government for two projects that are aimed at substituting natural gas for oil and manufactured gas in domestic markets. One project involves expansion of the gas distribution systems of Indonesia's natural gas utility (PGN) in three cities: Jakarta and Bogor in Java, and Medan in Sumatra. The project also includes training programs for PGN staff and an energy pricing policy study to be carried out by Indonesia's Ministry of Mines and Energy. The second project involves expansion of the supply of natural gas for Surabaya and twelve other towns in its vicinity in East Java, and further expansion of Medan's supply system. Technical assistance will be provided to enhance the skills ofPGN and the Ministry of Mines and Energy, and a Gas Technology Unit similar to the Institute of Gas Technology will be established at Indonesia's Research and Development Center for Oil and Gas (LEMIGAS) in Jakarta. 14 refs., 3 figs., 11 tabs

  13. The Role of Mobility and Employee-Driven Relations for University-Industry Collaboration on Innovation

    DEFF Research Database (Denmark)

    Østergaard, Christian Richter; Drejer, Ina

    This paper analyzes the role of mobility and employee-driven relations for firms' collaboration on innovation with specific universities. It is argued that personal employee-driven relations and geographical proximity are important determinants for which universities firms decide to collaborate...... with. Therefore, hiring and mobility of employees can help explain why firms collaborate with specific universities or discontinue collaboration. It is argued that the university of graduation and the field of study of a firm's employees help explain why it collaborate with a specific university....... Furthermore, the paper also addresses the importance of developing relations and collaborative experience over time for university-industry collaboration by studying employee-driven relations and collaboration patterns for a large sample of firms over two consecutive Community Innovation Surveys covering...

  14. 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...

  15. 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)

  16. CORPORATE REPUTATION MEASUREMENT FOR THE PRIVATELY RUN BANKING INDUSTRY IN TAIWAN

    OpenAIRE

    Jui-Kuei Chen; I-Shuo Chen

    2009-01-01

    A corporation’s reputation can impact customer loyalty and behavior (Barich & Kotler, 1991; Nha & Gaston, 2001). It can also increase a firm’s competitive advantage (Hoopes et al., 2003), especially for firms in the service industry (Cretu & Brodie, 2007). More than ever before, people in Taiwan seek to receive high levels of quality service. That is, firms with better corporate reputations have more opportunities to earn a profit from customers. A previous review indicated there is an in...

  17. 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...

  18. 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)

  19. 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

  20. 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...

  1. 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...

  2. 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 ...

  3. A study on relationship between CAMELS Index's and Risk taking: A case study of Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Mohammad Khodaei Valahzaghard

    2013-04-01

    Full Text Available Among the activists of the money market, banks as the most important financial institutions undertake an important role in optimal appropriation of financial short-term resources. Furthermore, they allocate the short-term surplus funds to enterprises, which have a short-term need. Holding a main part of the funds in economy circulation, banks have a critical role in adjustment of economic relations. Banks are facing different types of risks in their daily operations. In the banking system, the CAMELS indictors are used to evaluate and rate of the performance of banks. The CAMELS rating model is one of the most effective systems of financial assessment in banks. Therefore, in this research, the effects of CAMELS indicators of banks on risk taking of Iranian banks are studied. The statistical population of the national banking system includes all governmental and private banks. The whole statistical population is studied as a research sample during 2006-2011. Taking into consideration the fact that the research data or section-bounded and time-bounded, a combinational regression analysis has been used. The results of the combinational regression analysis have supported the presence of a reverse and meaningful effect of the indicators of assets quality and sensitivity of market risk on risk taking in national banks. In addition, the results have supported the direct and meaningful effects of capital sufficiency and quality of profit-making on risk taking, however, the effects of the indicators of management quality and liquidity quality on risk taking have been rejected.

  4. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    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

  5. Mobilities

    DEFF Research Database (Denmark)

    to social networks, personal identities, and our relationship to the built environment. The omnipresence of mobilities within everyday life, high politics, technology, and tourism (to mention but a few) all point to a key insight harnessed by the ‘mobilities turn’. Namely that mobilities is much more than......The world is on the move. This is a widespread understanding by many inhabitants of contemporary society across the Globe. But what does it actually mean? During over one decade the ‘mobilities turn’ within the social sciences have provided a new set of insights into the repercussions of mobilities...... and environmental degradation. The spaces and territories marked by mobilities as well as the sites marked by the bypassing of such are explored. Moreover, the architectural and technological dimensions to infrastructures and sites of mobilities will be included as well as the issues of power, social exclusion...

  6. Earnings Management in the Banking Industry : The consequences of IFRS implementation on discretionary use of loan loss provisions

    NARCIS (Netherlands)

    R.J.J. van Oosterbosch (Renick)

    2010-01-01

    textabstractExecutive summary Prior research suggests that banks have an incentive to smooth income through loan loss provisions (LLPs), but there has been no research on the effects of IFRS implementation on this. Using a sample of European banks and a single-stage regression that models the

  7. 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.

  8. Brand Switching – A Case of Mobile Telecom Industry in India

    Directory of Open Access Journals (Sweden)

    Srivastava SHAILA

    2017-04-01

    Full Text Available Telecom is one of the fastest-growing and highly competitive industries in India. Due to number of factors such as customers’ low switching cost, price sensitivity, and availability of Mobile Number Portability (MNP, choices available to customers and there is increase in the brand switching by them across mobile networks. This increased competition among players set pressure on them to find ways and means to retain their customers. Hence it is important to explore the factors that make the consumer switch towards other cellular network brands. This research aims to explore the factors which lead to brand switching behaviour of consumer in telecom sector. The data for this research was gathered through use of a structured questionnaire which was duly filled by the users of various service providers in Mumbai area. The chi-square test is used to test research hypothesis and which was further supported by factor analysis. The findings reveal that price, network quality, loyalty, value added services and satisfaction directly influence switching behaviour among customers. The practical implication of the outcomes of the present study would be useful for the telecom companies in their marketing strategies aiming to keep customers loyalty and to discourage brand switching.

  9. Micro modules for mobile shape, color and spectral imaging with smartpads in industry, biology and medicine

    Science.gov (United States)

    Hofmann, Dietrich; Dittrich, Paul-Gerald; Düntsch, Eric; Kraus, Daniel

    2014-02-01

    Aim of the paper is the demonstration of a paradigm shift in shape, color and spectral measurements in industry, biology and medicine as well as in measurement education and training. Innovative hardware apps (hwapps) and software apps (swapps) with smartpads are fundamental enablers for the transformation from conventional stationary working places towards innovative mobile working places with in-field measurements and point-of-care (POC) diagnostics. Mobile open online courses (MOOCs) are transforming the study habits. Practical examples for the application of innovative photonic micro shapemeters, colormeters and spectrometers will be given. The innovative approach opens so far untapped enormous markets for measurement science, engineering and training. These innovative working conditions will be fast accepted due to their convenience, reliability and affordability. A highly visible advantage of smartpads is the huge number of their distribution, their worldwide connectivity via Internet and cloud services, the standardized interfaces like USB and HDMI and the experienced capabilities of their users for practical operations, learned with their private smartpads.

  10. Determining the Impact of Selected Success Factors on the Adoption of EBanking in the Zimbabwean Banking Industry

    Directory of Open Access Journals (Sweden)

    Maxwell Sandada

    2016-11-01

    Full Text Available Technological advances have altered business systems and processes paving way for more efficient cost saving banking processes such as electronic banking (e-banking. The aim of this study was to address the growing concern of the low adoption of electronic banking in Zimbabwe. This has been achieved by investigating the significant impact of five pre-determined critical success factors on the adoption of electronic banking services in Zimbabwe namely customer trust, cost, resistance to change, awareness and perceived usefulness. The research provides great insight on models utilized in previous studies drawing arguments which allowed a thorough construction of the research process and increased the validity of the research. The research is quantitative in nature. 150 respondents participated in the survey. The results revealed that of the five factors, only awareness and perceived usefulness exhibited a significant impact on the adoption of electronic banking in Zimbabwe. Therefore such understanding allowed for the establishment of crucial strategic managerial and legislative recommendations aimed at increasing the level of awareness and perceived usefulness and subsequently increase the level of adoption of electronic banking in Zimbabwe.

  11. A framework for evaluating the performance of automated teller machine in banking industries: A queuing model-cum-TOPSIS approach

    Directory of Open Access Journals (Sweden)

    Christopher Osita Anyaeche

    2018-04-01

    Full Text Available The improvement in the provision of banking services to customers enhances bank’s performance (profitability and productivity and the amounts of dividend declared to shareholders as well as bank’s competitiveness. One means of fast tracking the service time for bank customers is through the use of self-servicing machines, such as automated teller machine (ATM. Total service cost, expected waiting time in queue, ATM utilization and percentage of customer loss are some of the performance indices that are used to evaluate the service rendered by a bank’s ATM. This study proposes a framework for evaluating the performance of ATM by integrating queuing model and Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS methodology. Applicability of the framework was tested using practical data obtained from four banks in Nigeria. It was observed that the average ATM usage in the study area was less than 50%. The TOPSIS results identified Bank A as the best ranked bank. In addition, the results obtained revealed that banks with two ATM were ranked higher than banks with more than two ATM

  12. Assessing the Equivalence of Paper, Mobile Phone, and Tablet Survey Responses at a Community Mental Health Center Using Equivalent Halves of a 'Gold-Standard' Depression Item Bank.

    Science.gov (United States)

    Brodey, Benjamin B; Gonzalez, Nicole L; Elkin, Kathryn Ann; Sasiela, W Jordan; Brodey, Inger S

    2017-09-06

    The computerized administration of self-report psychiatric diagnostic and outcomes assessments has risen in popularity. If results are similar enough across different administration modalities, then new administration technologies can be used interchangeably and the choice of technology can be based on other factors, such as convenience in the study design. An assessment based on item response theory (IRT), such as the Patient-Reported Outcomes Measurement Information System (PROMIS) depression item bank, offers new possibilities for assessing the effect of technology choice upon results. To create equivalent halves of the PROMIS depression item bank and to use these halves to compare survey responses and user satisfaction among administration modalities-paper, mobile phone, or tablet-with a community mental health care population. The 28 PROMIS depression items were divided into 2 halves based on content and simulations with an established PROMIS response data set. A total of 129 participants were recruited from an outpatient public sector mental health clinic based in Memphis. All participants took both nonoverlapping halves of the PROMIS IRT-based depression items (Part A and Part B): once using paper and pencil, and once using either a mobile phone or tablet. An 8-cell randomization was done on technology used, order of technologies used, and order of PROMIS Parts A and B. Both Parts A and B were administered as fixed-length assessments and both were scored using published PROMIS IRT parameters and algorithms. All 129 participants received either Part A or B via paper assessment. Participants were also administered the opposite assessment, 63 using a mobile phone and 66 using a tablet. There was no significant difference in item response scores for Part A versus B. All 3 of the technologies yielded essentially identical assessment results and equivalent satisfaction levels. Our findings show that the PROMIS depression assessment can be divided into 2 equivalent

  13. 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...

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

    OpenAIRE

    Kotarba Marcin

    2016-01-01

    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...

  15. Mobile telecommunication standardization in Japan, China, the United States, and Europe: a comparison of regulatory and industrial regimes

    NARCIS (Netherlands)

    van de Kaa, G.; Greeven, MJ

    2016-01-01

    The process that leads to standardization in the mobile telecommunication industry has changed considerably over time. Where it was first a national process, it has gradually changed into a more global process, and the role of the government in the standardization process has changed from very

  16. 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.

  17. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

    Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

  18. 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

  19. Cyber Physical Autonomous Mobile Robot (CPAMR Framework in the Context of Industry 4.0

    Directory of Open Access Journals (Sweden)

    Lee Yoon Ket

    2018-01-01

    Full Text Available Industry 4.0 or Smart Manufacturing creates intelligent object networking and independent process management through Internet of thing and data services. Cyber-Physical System (CPS communicates among humans, machines and products through Internet of Things (IoT. In this paper a cyber physical autonomous mobile robot (CPAMR IoT infrastructure system has been proposed. It is capable of performing human-machine interact by allowing users to place and manage orders using cloud platform. The Enterprise Resource Planning (ERP system processes the data and send the product's data to Radio-frequency identification (RFID tag system for storage and printout. Through Remote Telemetry Unit (RTU, the status of the product, CPAMR system and workstations or machineries are linked to the cloud platform. Initially, system identify the locations of CPAMR, product and the desired workstation. After gathering all the required information, Artificial Intelligence Algorithms (AIA performs real time route map planning according to the shortest distance between CPAMR and the destination. This route map planning will then be sent to the CPAMR’s micro-controller for operation. While the CPAMR is moving, it moves according to the planned route map with the assistance of the Obstacle Avoidance System until it reaches the destination and notifies cloud platform. Three individual projects representing three main functions of the proposed CPAMR have been carried out. Results show that the framework of the project is viable.

  20. An investigation on marketing mix efforts on brand equity: An empirical investigation in mobile phone industry

    Directory of Open Access Journals (Sweden)

    Maryam Safaei

    2012-08-01

    Full Text Available In this paper, we present an empirical study to investigate the effects of different marketing efforts on brand equity in mobile industry. The proposed study of this paper distributes a questionnaire consists of 26 questions including loyalty, quality perception, awareness, exclusiveness, word of mouth advertisement, brand name image, advertisement, price, distribution and guarantee. A sample 428 people are selected in a city of Tehran/Iran and they are asked to reply questions on Likert based. The results show that there is a positive and meaningful relationship between marketing mix efforts and brand equity. In other words, more advertisements could help better market exposure, which means customers will have more awareness on market characteristics. Among all mixed efforts, guarantee influences more on brand equity, which means consumers care more on product services than other features. Finally, among different characteristics of brand equity, product exclusiveness plays an important role. In other words, people are interested in having exclusive product, which is different from others.

  1. NCTA v. FCC - Do Commercial Free Speech Justifications Trump Consumers' Personal Data Protection Rights? Answer To Shape Mobile Advertising Industry

    DEFF Research Database (Denmark)

    Cleff, Evelyne Beatrix; King, Nancy J.

    2010-01-01

    's right to communicate with their customers. Considering privacy risks associated with advances in computer technology, the complexities of modern information processing and evolving mobile advertising (m-advertising) practices, privacy regulations should not be equated with unwarranted speech regulations...... balance between protecting consumers' information privacy in an era of pervasive data processing and protecting the rights of marketers to engage in protected commercial free speech that involves using customers' personal information. A ruling against the FCC would have limited the use of government...... to support the growth of the global mobile advertising (m-advertising) industry....

  2. 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...

  3. Contextual Mobile Learning Strongly Related to Industrial Activities: Principles and Case Study

    OpenAIRE

    David, Bertrand; Yin, Chuantao; Chalon, René

    2010-01-01

    M-learning (mobile learning) can take various forms. We are interested in contextualized M-learning, i.e. the training related to the situation physically or logically localized. Contextualization and pervasivity are important aspects of our approach. We propose in particular MOCOCO principles (Mobility - COntextualisation - COoperation) using IMERA platform (Mobile Interaction in the Augmented Real Environment) covering our university campus in which we prototype and test our approach. We ar...

  4. The influence of mobile internet on advertising to consumers in the short–term insurance industry / by Shandukani A. Davhana

    OpenAIRE

    Davhana, Shandukani Albert

    2009-01-01

    Marketing and advertisement activities are transforming as new digital media streams emerge. It is believed that the first major digital transition took place when broadcast media such as television and cinema, also called first screen, to the PC Internet, referred to as the second screen, entered the media industry. The last couple of years saw an expanding transition into the third screen, which is the mobile handset, commonly known as cellphones in South Africa. The rapid explosion of m...

  5. INVESTIGATING ``MARKETING ORIENTATION `` INFLUENCES ON ACHIEVING COMPETITIVE ADVANTAGE –WITHIN JORDANIAN MOBILE TELECOMMUNICATION INDUSTRY (BEHAVIOURAL- ATTITUDINAL PERSPECTIVE)

    OpenAIRE

    Ashour, Mohammed

    2011-01-01

    Several previous studies emphasised the importance of marketing orientation in achieving firms` competitive position, and many efforts have been focused on investigating Marketing Orientation-organizational performance relationship. However, the majority of previous researches have been conducted in Western cultures and within industrial contexts. This research is an attempt to achieve a comprehensive understanding of the adopted levels of Marketing Orientation (MO) for each mobile telecommun...

  6. 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.

  7. The effects of globalisation of financial services on banking industry and stock market: an Algerian case study

    OpenAIRE

    Benamraoui, Abdelhafid

    2003-01-01

    Since the mid-1980s, Algeria has embarked on a programme of comprehensive financial liberalisation to establish a market-oriented financial system, and to develop the role of the Algiers Stock Exchange in the mobilisation of financial resources. The transition from a centrally planned to a market-oriented economy meant fewer regulatory barriers towards local and foreign banks. This study demonstrates that financial liberalisation is the main force that drives the globalisation of financial se...

  8. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

    The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

  9. 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.

  10. 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...

  11. 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...

  12. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

    Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

  13. 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.

  14. A BSC-DEA approach to measure the relative efficiency of service industry: A case study of banking sector

    Directory of Open Access Journals (Sweden)

    M. B. Aryanezhad

    2011-04-01

    Full Text Available Performance evaluation plays an important role in determining faults and difficulties of any organization as well as attempting to increase capabilities and improve activities. Data envelopment analysis (DEA, as a non-parametric method, has been one of the most important and significant management tools for measuring output or efficiency. In this paper, we propose a method to utilize balanced score card (BSC as a tool for designing performance evaluation indices of an organization. The integrated BSC-DEA has been applied as an empirical case for a major private bank organization and the results are analyzed.

  15. Predicting Customer Churn and Retention Rates in Nigeria’s Mobile Telecommunication Industry Using Markov Chain Modelling

    Directory of Open Access Journals (Sweden)

    Adebiyi Sulaimon Olanrewaju

    2015-12-01

    Full Text Available The telecommunication industry is one of the service industries that is most affected by the problem of subscribers’ churn. Although several techniques have been used to predict customer churn in developed countries, many of those studies used secondary data which are not readily available in Nigeria for researchers. This study investigates how Markov chains help in modelling and predicting the customer churn and retention rate in the Nigerian mobile telecommunication industry. The data generated through the survey were input in the Windows-based Quantitative System for Business (WinQSB for analysis. The results reveal that in the study area MTN has the highest retention rate (86.11%, followed by GLO (70.51%, Airtel (67%, and Etisalat (67.5%. This result has implications for telecom firms’ strategies for competitive advantage in particular and survival in general.

  16. Fair value hierarchy in financial instrument disclosure. Is there transparency for investors? Evidence from the banking industry

    Directory of Open Access Journals (Sweden)

    Enrico Laghi

    2012-11-01

    Full Text Available The debate on fair value accounting is still open although the last 20 years have been spent in looking for solutions by academics, practitioners and institutions. After long and continuous discussion both on the basic concepts and the information level contained in fair value measurements and on the different solutions that are possible to adopt in mark to market measurements, IASB and FASB have recently issued new standards on fair value measurements applying some principles not only to financial instruments but also to property and other investments. To verify if the solutions adopted in these Standards really improve the disclosure level and the “usefulness of data for investors”, this paper analyzes the actual level of transparency and the “usefulness” of the “fair value hierarchy” (which from some points of view synthesized the Board’s way of thinking regarding to fair value which has already been introduced for financial instruments by IFRS 7, Financial Instruments: Disclosure. The paper presents results of an empirical investigation on a sample of domestic and foreign listed banks that adopted fair value hierarchy in line with SFAS 157 and IFRS 7 recommendations. Research questions can be summarized as follows: (i does fair value hierarchy improve transparency in financial instrument evaluation in bank annual reports, or can it be considered as a tool for earnings management?

  17. An investigation of key determinants of customer loyalty : evidence from Ghana’s mobile telecommunication industry

    OpenAIRE

    Quaye, Emmanuel Ato Silva

    2012-01-01

    In a fiercely competitive business environment such as the mobile network services setting, it is a marketplace reality that the ability of firms to attract and retain customers ultimately determines their growth and survival prospects. This study, therefore, investigates how customer satisfaction, perceived service quality, perceived value, corporate image and switching cost determine customer loyalty in the mobile network services setting of Ghana. A total of 140 respondents completed an on...

  18. New strategies of industrial organization: outsourcing and consolidation in the mobile telecom sector in India

    OpenAIRE

    Sumangala Damodaran

    2013-01-01

    Abstract The paper discusses the experience of the mobile telecom sector in India in terms of its business organization. There is a high level of outsourcing of activities, including those such as network management, which would usually be included within the core competence of mobile telecom companies. This outsourcing strategy, pioneered by Bharti Airtel, has resulted in considerable cost savings and increased profits for a small number of core employees of the lead firm. At the same time, ...

  19. Autonomous mobile platform for monitoring air emissions from industrial and municipal wastewater ponds.

    Science.gov (United States)

    Fu, Long; Huda, Quamrul; Yang, Zheng; Zhang, Lucas; Hashisho, Zaher

    2017-11-01

    Significant amounts of volatile organic compounds and greenhouse gases are generated from wastewater lagoons and tailings ponds in Alberta, Canada. Accurate measurements of these air pollutants and greenhouse gases are needed to support management and regulatory decisions. A mobile platform was developed to measure air emissions from tailings pond in the oil sands region of Alberta. The mobile platform was tested in 2015 in a municipal wastewater treatment lagoon. With a flux chamber and a CO 2 /CH 4 sensor on board, the mobile platform was able to measure CO 2 and CH 4 emissions over two days at two different locations in the pond. Flux emission rates of CO 2 and CH 4 that were measured over the study period suggest the presence of aerobic and anaerobic zones in the wastewater treatment lagoon. The study demonstrated the capabilities of the mobile platform in measuring fugitive air emissions and identified the potential for the applications in air and water quality monitoring programs. The Mobile Platform demonstrated in this study has the ability to measure greenhouse gas (GHG) emissions from fugitive sources such as municipal wastewater lagoons. This technology can be used to measure emission fluxes from tailings ponds with better detection of spatial and temporal variations of fugitive emissions. Additional air and water sampling equipment could be added to the mobile platform for a broad range of air and water quality studies in the oil sands region of Alberta.

  20. Delay-Aware Energy-Efficient Routing towards a Path-Fixed Mobile Sink in Industrial Wireless Sensor Networks

    Science.gov (United States)

    Wu, Shaobo; Chou, Wusheng; Niu, Jianwei; Guizani, Mohsen

    2018-01-01

    Wireless sensor networks (WSNs) involve more mobile elements with their widespread development in industries. Exploiting mobility present in WSNs for data collection can effectively improve the network performance. However, when the sink (i.e., data collector) path is fixed and the movement is uncontrollable, existing schemes fail to guarantee delay requirements while achieving high energy efficiency. This paper proposes a delay-aware energy-efficient routing algorithm for WSNs with a path-fixed mobile sink, named DERM, which can strike a desirable balance between the delivery latency and energy conservation. We characterize the object of DERM as realizing the energy-optimal anycast to time-varying destination regions, and introduce a location-based forwarding technique tailored for this problem. To reduce the control overhead, a lightweight sink location calibration method is devised, which cooperates with the rough estimation based on the mobility pattern to determine the sink location. We also design a fault-tolerant mechanism called track routing to tackle location errors for ensuring reliable and on-time data delivery. We comprehensively evaluate DERM by comparing it with two canonical routing schemes and a baseline solution presented in this work. Extensive evaluation results demonstrate that DERM can provide considerable energy savings while meeting the delay constraint and maintaining a high delivery ratio. PMID:29562628

  1. Delay-Aware Energy-Efficient Routing towards a Path-Fixed Mobile Sink in Industrial Wireless Sensor Networks.

    Science.gov (United States)

    Wu, Shaobo; Chou, Wusheng; Niu, Jianwei; Guizani, Mohsen

    2018-03-18

    Wireless sensor networks (WSNs) involve more mobile elements with their widespread development in industries. Exploiting mobility present in WSNs for data collection can effectively improve the network performance. However, when the sink (i.e., data collector) path is fixed and the movement is uncontrollable, existing schemes fail to guarantee delay requirements while achieving high energy efficiency. This paper proposes a delay-aware energy-efficient routing algorithm for WSNs with a path-fixed mobile sink, named DERM, which can strike a desirable balance between the delivery latency and energy conservation. We characterize the object of DERM as realizing the energy-optimal anycast to time-varying destination regions, and introduce a location-based forwarding technique tailored for this problem. To reduce the control overhead, a lightweight sink location calibration method is devised, which cooperates with the rough estimation based on the mobility pattern to determine the sink location. We also design a fault-tolerant mechanism called track routing to tackle location errors for ensuring reliable and on-time data delivery. We comprehensively evaluate DERM by comparing it with two canonical routing schemes and a baseline solution presented in this work. Extensive evaluation results demonstrate that DERM can provide considerable energy savings while meeting the delay constraint and maintaining a high delivery ratio.

  2. Delay-Aware Energy-Efficient Routing towards a Path-Fixed Mobile Sink in Industrial Wireless Sensor Networks

    Directory of Open Access Journals (Sweden)

    Shaobo Wu

    2018-03-01

    Full Text Available Wireless sensor networks (WSNs involve more mobile elements with their widespread development in industries. Exploiting mobility present in WSNs for data collection can effectively improve the network performance. However, when the sink (i.e., data collector path is fixed and the movement is uncontrollable, existing schemes fail to guarantee delay requirements while achieving high energy efficiency. This paper proposes a delay-aware energy-efficient routing algorithm for WSNs with a path-fixed mobile sink, named DERM, which can strike a desirable balance between the delivery latency and energy conservation. We characterize the object of DERM as realizing the energy-optimal anycast to time-varying destination regions, and introduce a location-based forwarding technique tailored for this problem. To reduce the control overhead, a lightweight sink location calibration method is devised, which cooperates with the rough estimation based on the mobility pattern to determine the sink location. We also design a fault-tolerant mechanism called track routing to tackle location errors for ensuring reliable and on-time data delivery. We comprehensively evaluate DERM by comparing it with two canonical routing schemes and a baseline solution presented in this work. Extensive evaluation results demonstrate that DERM can provide considerable energy savings while meeting the delay constraint and maintaining a high delivery ratio.

  3. 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.

  4. First measurements of a carbon dioxide plume from an industrial source using a ground based mobile differential absorption lidar.

    Science.gov (United States)

    Robinson, R A; Gardiner, T D; Innocenti, F; Finlayson, A; Woods, P T; Few, J F M

    2014-08-01

    The emission of carbon dioxide (CO2) from industrial sources is one of the main anthropogenic contributors to the greenhouse effect. Direct remote sensing of CO2 emissions using optical methods offers the potential for the identification and quantification of CO2 emissions. We report the development and demonstration of a ground based mobile differential absorption lidar (DIAL) able to measure the mass emission rate of CO2 in the plume from a power station. To our knowledge DIAL has not previously been successfully applied to the measurement of emission plumes of CO2 from industrial sources. A significant challenge in observing industrial CO2 emission plumes is the ability to discriminate and observe localised concentrations of CO2 above the locally observed background level. The objectives of the study were to modify our existing mobile infrared DIAL system to enable CO2 measurements and to demonstrate the system at a power plant to assess the feasibility of the technique for the identification and quantification of CO2 emissions. The results of this preliminary study showed very good agreement with the expected emissions calculated by the site. The detection limit obtained from the measurements, however, requires further improvement to provide quantification of smaller emitters of CO2, for example for the detection of fugitive emissions. This study has shown that in principle, remote optical sensing technology will have the potential to provide useful direct data on CO2 mass emission rates.

  5. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

  6. 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

  7. MOBILE HOUSING AS A FUNCTIONAL-TYPOLOGICAL VARIETY OF THE INDUSTRY OF MODERN CONSTRUCTION

    Directory of Open Access Journals (Sweden)

    MIRONENKO V. P.

    2015-09-01

    Full Text Available Problem statement. Current socio-demographic conditions in Ukraine and the level of housing of different types and quality suggest the possibility of active development mobile home construction. Practical advantages of mobile homes in various regions of the world reflected in the popularity of their use, especially as a temporary, recreational, holiday and tourist accommodation. The use of mobile housing in Ukraine currently is limited functional-typological composition. Aim. Identify the features of the design and construction of mobile homes on the basis of studying the world and domestic experience based integrated assessment formative factors (environmental and fire safety, energy efficiency, reliability and sustainability, etc.. Analyzing of the resent research. In research on mobility and transform element residential buildings addressed such issues: the experience of adaptation of housing to changes in the life of their inhabitants in the form of transformation of the internal space and its versatility [1; 11]; the methodology and design of constructions differing movable , collapsible or foldable parts and features of formation of mobile home recreational purpose[19]; the evolution of human dwellings and projected a futuristic look at the structure of the living environment [14]. In the scientific development of modern authors on architectural topics most relevant topics related to energy issues: a study of the historical background of the development of energy efficient housing, development of the basic requirements and solutions, their formation, and the creation of engineering and efficient method of designing low-rise architecture [15]; an analysis of the use of alternative energy sources, identify the main ways of saving energy and the development of architecture energy-saving residential buildings of low and medium-rise [16]; the development of an integrated approach to the ecological – economic substantiation of creation of

  8. 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)

  9. Reuse without Compromising Performance: Industrial Experience from RPG Software Product Line for Mobile Devices

    DEFF Research Database (Denmark)

    Zhang, Weishan; Jarzabek, Stan

    2005-01-01

    allowed us to achieve improved performance, both speed and memory utilization, as compared to each game developed individually. At the same time, our solution facilitated rapid development of new games, for new mobile devices, as well as ease of evolving with new features the RPG-PLA and custom games...

  10. 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

  11. Relationship Banking in Labor Bank

    OpenAIRE

    三村, 聡

    2012-01-01

    As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

  12. An empirical study on open position risk assessment using VAR and regression analysis: A case study of Iranian banking industry

    Directory of Open Access Journals (Sweden)

    Elmira Mahmoudzadeh

    2012-10-01

    Full Text Available During the past few years, there have been tremendous fluctuations on different currencies. For instance, European common currency, Euro, has be fluctuated between 0.60 to 0.9 against US dollar. Therefore, it is important to study the behavior of currency valuations using different techniques. In this paper, we present an empirical study to measure the impact of different items on risk of foreign currency using value at risk (VaR and regression methods. The proposed model of this paper investigates whether the risk of open positions of six foreign currencies including US dollar, Euro, British Pound, Switzerland Frank, Norwegian Kroner and United Emirate Dirham increase during the time horizon. The proposed study of this paper uses historical daily prices of these currencies for a fiscal year of 2011 in one of private banks located in Iran and measures the relative risk. The results of the implementation of two methods of VaR and linear regression indicate that the risk of open positions increases during the time horizon.

  13. The Impact of Business Intelligence (BI Competence on Customer Relationship Management (CRM Process: An Empirical Investigation of the Banking Industry

    Directory of Open Access Journals (Sweden)

    Ali Mortezaei

    2018-03-01

    Full Text Available Nowadays, establishing long-term and effective relationships with customers is a key factor in understanding customers’ needs and preferences and achieving competitive advantage. In addition, companies are facing with a growing need for information and analytical knowledge about their customers, market, competitors, organizational environment, and other factors affecting their business. Business intelligence has been considered as a response to this need. The purpose of this study is to investigate the role of business intelligence competence in improving customer relationship management process. Based on the literature review and the competence – capability relationship paradigm, a conceptual model was developed comprising of different dimensions of business intelligence competence and customer relationship management processes. The data were collected from the banking sector and partial least squares structural equation modelling was employed for data analysis. Empirical results showed that organizational business intelligence competence, comprising of managerial, technical, and cultural competence, has a significantly positive impact on enhancing capabilities of customer relationship management process including initiation, maintenance, and termination of the relationship.

  14. Investigating the effect of different conflict management strategies on brand promise: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Hosseinali Aziziha

    2014-01-01

    Full Text Available The purpose of this paper is to study the effect of different conflict management strategies including competition, cooperation, prevention and compromise on brand promise. The proposed study uses the questionnaire developed by Putnam and Wilson (1982 [Putnam, L. L., & Wilson, C. E. (1982. Communicative strategies in organizational conflicts: Reliability and validity of a measurement scale. Communication yearbook, 6, 629-652.] to measure conflict management measures and to measure the components of brand promise, the study develops a questionnaire. The proposed study is executed among some employees of bank Melli Iran in city of Tehran, Iran. Cronbach alphas have been calculated as 0.76 and 0.83 for conflict management and brand promise, respectively. Using Pearson correlation ratios as well as multiple regression technique, the study determines that there was a reverse relationship between two conflict management strategies, cooperation and compromise, and brand promise. In addition, there was a positive relationship between two conflict management strategies, competition and compromise, and brand promise.

  15. 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.

  16. 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.

  17. Carbon abatement via treating the solid waste from the Australian olive industry in mobile pyrolysis units: LCA with uncertainty analysis.

    Science.gov (United States)

    El Hanandeh, Ali

    2013-04-01

    The olive oil industry in Australia has been growing at a rapid rate over the past decade. It is forecast to continue growing due to the steady increase in demand for olive oil and olive products in the local and regional market. However, the olive oil extraction process generates large amounts of solid waste called olive husk which is currently underutilized. This paper uses life-cycle methodology to analyse the carbon emission reduction potential of utilizing olive husk as a feedstock in a mobile pyrolysis unit. Four scenarios, based on different combinations of pyrolysis technologies (slow versus fast) and end-use of products (land application versus energy utilization), are constructed. The performance of each scenario under conditions of uncertainty was also investigated. The results show that all scenarios result in significant carbon emission abatement. Processing olive husk in mobile fast pyrolysis units and the utilization of bio-oil and biochar as substitutes for heavy fuel oil and coal is likely to realize a carbon offset greater than 32.3 Gg CO2-eq annually in 90% of the time. Likewise, more than 3.2 Gg-C (11.8 Gg CO2-eq) per year could be sequestered in the soil in the form of fixed carbon if slow mobile pyrolysis units were used to produce biochar.

  18. 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

  19. 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...

  20. Consumer involvement profiles: An application of consumer involvement in mobile industry

    OpenAIRE

    Homa Rahbarian; Fattaneh Alizadeh Meshkani

    2014-01-01

    This paper investigates consumer involvement profile among people who intend to purchase mobile devises. The study considers the effects of various factors influencing on purchase intention including consumers’ personal characteristics such as age, gender, income as well as some external factors including advertisement. The study uses a questionnaire in Likert scale, originally developed by O’Cass (2000) [O’Cass, A. (2000). An assessment of consumers' product, purchase decision, advertising a...

  1. A study on the effects of advertisement on brand equity: Evidence from mobile industry

    OpenAIRE

    Mahmoud Samiei Nasr; Seyed Mohsen Seyed Ali Akbar; Elham Aghaalikhani

    2014-01-01

    This paper presents an empirical investigation to study the effects of advertisement on brand equity. The study has accomplished on two well-known brands in mobile providers in city of Tehran, Iran. The study uses Aaker’s model to examine the effects of advertisement on various factors such as brand awareness, quality perception, brand loyalty and brand associate. The study also investigates the effects of brand awareness, quality perception and brand associate on brand loyalty. The results o...

  2. Market Entry, Strategy and Business Development in Mobile Health (mHealth) Industry

    OpenAIRE

    Castaño Labajo, Víctor; Xiao, Jinsong

    2015-01-01

    Problem formulation. The European Commission considers that health care providers and potential payers may need further evidence of mobile health (mHealth) clinical and economic benefits and despite there are hundreds of mHealth initiatives, most of them did not move beyond the pilot phase.   Purpose. This thesis aims at analyzing how can mHealth companies contribute towards solving existing health care challenges while becoming successful businesses in such an immature market. The expected r...

  3. 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...

  4. [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

  5. 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...

  6. Changing Content Industry Structures: The Case of Digital Newspapers on ePaper Mobile Devices

    OpenAIRE

    L. Van Audenhove; S. Delaere; P. Ballon; M. Van Bossuyt

    2007-01-01

    The proposed paper analyses the changes in business models employed by the stakeholders in the newspaper value network, in the context of a new type of electronic reading device -the ePaper. This PDA-like device uses a new high-contrast, low-power screen technology (eInk), which holds the promise of a digital and mobile reading experience close to that of 'real' paper. The potential impact of massive digitally distributed reading content -newspapers, but also magazines, books, and all other m...

  7. The Environmental Gains of Remanufacturing: Evidence from the Computer and Mobile Industry

    NARCIS (Netherlands)

    J. Quariguasi Frota Neto (João); J.M. Bloemhof-Ruwaard (Jacqueline)

    2009-01-01

    textabstractRemanufacturing has long been perceived as an environmentally-friendly initiative. The question of how remanufacturing moderates the relation between environmental impact and economic returns is still unanswered, however. In this paper, we focus our attention on the electronics industry.

  8. Consumer involvement profiles: An application of consumer involvement in mobile industry

    Directory of Open Access Journals (Sweden)

    Homa Rahbarian

    2014-04-01

    Full Text Available This paper investigates consumer involvement profile among people who intend to purchase mobile devises. The study considers the effects of various factors influencing on purchase intention including consumers’ personal characteristics such as age, gender, income as well as some external factors including advertisement. The study uses a questionnaire in Likert scale, originally developed by O’Cass (2000 [O’Cass, A. (2000. An assessment of consumers' product, purchase decision, advertising and consumption involvement in fashion clothing. Journal of Economic Psychology, 21, 545-576.]. The questionnaire has been distributed among 385 people, randomly who purchased mobile devices from a mall in city of Tehran, Iran. Using Pearson correlation test, the study has concluded that oral advertisement as well as consumer purchase involvement have positive and strong relationship with consumer’s purchase intention. In terms of age, people aged 20-30 maintained the highest purchase intention. In addition, in terms of gender, men had more purchase involvement than women did.

  9. A study on the effects of advertisement on brand equity: Evidence from mobile industry

    Directory of Open Access Journals (Sweden)

    Mahmoud Samiei Nasr

    2014-11-01

    Full Text Available This paper presents an empirical investigation to study the effects of advertisement on brand equity. The study has accomplished on two well-known brands in mobile providers in city of Tehran, Iran. The study uses Aaker’s model to examine the effects of advertisement on various factors such as brand awareness, quality perception, brand loyalty and brand associate. The study also investigates the effects of brand awareness, quality perception and brand associate on brand loyalty. The results of our survey have concluded that advertisement could influence on some of the components of brand equity, significantly. For the first case study of this survey, Irancell, advertisement influences on brand awareness, brand quality and brand associate, significantly. In addition, brand awareness and brand loyalty also influence on brand quality and brand equity, positively. For the second case study of this survey, Mobile Telecommunication Company of Iran, the effects of advertisement on brand equity, brand awareness and brand associate have been confirmed. Moreover, brand awareness and brand quality influence on brand loyalty, positively. In addition, brand loyalty influences positively on brand equity.

  10. Is shadow banking really banking?

    OpenAIRE

    Bryan J. Noeth; Rajdeep Sengupta

    2011-01-01

    To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

  11. 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…

  12. The joint industry development of a recommended practice for the site specific assessment of mobile jackup units

    International Nuclear Information System (INIS)

    Jones, D.E.; Bennett, W.T.; Hoyle, M.J.R.

    1993-01-01

    The mobile self-elevating (drilling) unit, or jack-up, has been central to the exploration and development of offshore oil and gas reserves. In recent years there has been an increased desire to benefit from the potential economics of using these units in longer term production roles either in association with a fixed platform or as a stand-alone facility. However, until recently there had been no concerted effort to develop a consistent and commonly accepted standard for general industry use in site specific assessment of jack-ups. This paper describes the background and work carried out to develop such a standard. The project is nearing completion and has resulted in the publication of a Guideline document. A Recommended Practice and associated Commentary are (at the time of writing) in the final stage of drafting for release to the project sponsors for trial and comment prior to issuing the first Edition early in 1994

  13. Driving Sustainable Competitive Advantage in the Mobile Industry: Evidence from U.S. Wireless Carriers

    Directory of Open Access Journals (Sweden)

    Changhee Kim

    2016-07-01

    Full Text Available In light of the growing importance of data network quality in the wireless industry, this study analyzes and compares efficiencies in management, service quality, network quality, and market in the 4G Long Term Evolution (LTE wireless industry. For this purpose, a bootstrap data envelopment analysis (DEA model using representative U.S. wireless carriers as decision making units (DMUs was designed and conducted, with further verification through the Mann-Whitney U and Wilcoxon W test, to examine the differences in efficiency distribution. The results indicate that, in terms of efficiency distribution, network quality efficiency and market efficiency belongs to the same group as that which has high management efficiency. Based on these results, this paper suggests implications and strategic guidelines for wireless carriers for improvement in management efficiency.

  14. Mobilizing Public Opinion for the Tobacco Industry: The Consumer Tax Alliance and Excise Taxes

    Science.gov (United States)

    Campbell, Richard; Balbach, Edith D.

    2009-01-01

    Background Tobacco industry funding was instrumental in creating and financing the Consumer Tax Alliance in 1989 as an ostensibly organization that relied upon extensive media outreach to build opposition to excise taxes as a regressive form of taxation. By obscuring its own role in this effort, the tobacco industry undermined the public’s reasonable expectations for transparency in the policy making process. Aim To examine the formation and activities of the Consumer Tax Alliance as a “hybrid” form of interest group in order to provide tobacco control and public health advocates with a better understanding of unanticipated tobacco industry coalitions and facilitate appropriate counter measures. Methods Document searches through the Legacy Tobacco Documents Library and through Tobacco Documents Online and review of background literature. Results The Tobacco Institute actively sought liberal allies beginning in the mid-1980s in seeking to build public opposition to cigarette excise tax increases by promoting them as a regressive form of taxation. The creation of the Consumer Tax Alliance in 1989 was expressly intended to turn labor and middle class opinion against prospective excise tax increases in federal budget deficit negotiations, without divulging the tobacco industry’s role in its formation. Conclusion It is important to understand the dynamic by which trusted organizations can be induced to alter their agendas in response to funding sources. Advocates need to understand this form of interest group behavior so that they are better able to negotiate the policy arena by diagnosing and exposing this influence where it occurs and, by doing so, be better prepared to take appropriate counter measures. What this paper adds The tobacco industry’s political strategies for utilizing third party efforts to contest cigarette excise tax increases have not been extensively studied. While there has been some attention to industry sponsorship of third parties, the

  15. New electrorheological fluids - characteristics and implementation in industrial and mobile applications

    International Nuclear Information System (INIS)

    Gurka, M; Adams, D; Johnston, L; Petricevic, R

    2009-01-01

    Various applications for controllable dampers in the industrial and automotive sector are demanding an improved ER-Fluid, concerning performance and long time behavior. The new ER-Fluid RheOil (registered) 3.0 developed by us and presented here overcomes the main disadvantages like sedimentation and re-dispersing behavior. Besides this, better ER-performance (control ratio, current-density, step response time) could also be achieved. During tests of the response to changing temperature and long time behavior no significant degradation of the fluid or abrasive wear in the components was found over a wide temperature range.

  16. Industry

    International Nuclear Information System (INIS)

    Schindler, I.; Wiesenberger, H.

    2001-01-01

    This chapter of the environmental control report deals with the environmental impact of the industry in Austria. It gives a review of the structure and types of the industry, the legal framework and environmental policy of industrial relevance. The environmental situation of the industry in Austria is analyzed in detail, concerning air pollution (SO 2 , NO x , CO 2 , CO, CH 4 , N 2 O, NH 3 , Pb, Cd, Hg, dioxin, furans), waste water, waste management and deposit, energy and water consumption. The state of the art in respect of the IPPC-directives (European Integrated Pollution Prevention and Control Bureau) concerning the best available techniques of the different industry sectors is outlined. The application of European laws and regulations in the Austrian industry is described. (a.n.)

  17. 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...

  18. Role of brand trust in creating brand equity in the mobile phone industry amongst black Generation Y students / Christiaan Rudolf Quintus Roets

    OpenAIRE

    Roets, Christiaan Rudolf Quintus

    2013-01-01

    In the highly competitive business landscape of the twenty-first century, intangible assets such as brand equity are deemed as increasingly vital to the long-term success of organisations. Brand loyalty, which is the primary driver of brand equity, germinates from consumers‟ brand identification, trust in the superiority of the brand, and their perceptions of the social esteem that use of the brand signals. The mobile phone industry is one of the most dynamic and competitive industries of thi...

  19. 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

  20. Characterization of VOCs Emissions from Industrial Facilities and Natural Gas Production Sites: A Mobile Sensing Approach

    Science.gov (United States)

    Zhou, X.; Gu, J.; Trask, B.; Lyon, D. R.; Albertson, J. D.

    2017-12-01

    With the recent expansion of U.S. oil and gas (O&G) production, many studies have focused on the quantification of fugitive methane emissions. However, only a few studies have explored the emissions of volatile organic compounds (VOCs) from O&G production sites that affect human health in adjacent communities, both directly through exposure to toxic chemical compounds and indirectly via formation of ground-level ozone. In this study, we seek to quantify emissions of VOCs from O&G production sites and petrochemical facilities using a mobile sensing approach, with both high-end analyzers and relatively low-cost sensors. A probabilistic source characterization approach is used to estimate emission rates of VOCs, directly taking into account quantitative measure of sensor accuracy. This work will provide data with proper spatiotemporal resolution and coverage, so as to improve the understanding of VOCs emission from O&G production sites, VOCs-exposure of local communities, and explore the feasibility of low-cost sensors for VOCs monitoring. The project will provide an important foundational step to enable large scale studies.

  1. 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...

  2. 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 ...

  3. 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...

  4. 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...

  5. Industrialization

    African Journals Online (AJOL)

    Lucy

    . African states as ... regarded as the most important ingredients that went to add value to land and labour in order for countries ... B. Sutcliffe Industry and Underdevelopment (Massachusetts Addison – Wesley Publishing Company. 1971), pp.

  6. Industrialization

    African Journals Online (AJOL)

    Lucy

    scholar, Walt W. Rostow presented and supported this line of thought in his analysis of ... A Brief Historical Background of Industrialization in Africa ... indicative) The western model allowed for the political economy to be shaped by market.

  7. 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...

  8. Transcontinental methane measurements: Part 2. Mobile surface investigation of fossil fuel industrial fugitive emissions

    Science.gov (United States)

    Leifer, Ira; Culling, Daniel; Schneising, Oliver; Farrell, Paige; Buchwitz, Michael; Burrows, John P.

    2013-08-01

    The potent greenhouse gas, methane, CH4, has a wide variety of anthropogenic and natural sources. Fall, continental-scale (Florida to California) surface CH4 data were collected to investigate the importance of fossil fuel industrial (FFI) emissions in the South US. A total of 6600 measurements along 7020-km of roadways were made by flame ion detection gas chromatography onboard a nearly continuously moving recreational vehicle in 2010. A second, winter survey in Southern California measured CH4 at 2 Hz with a cavity ring-down spectrometer in 2012. Data revealed strong and persistent FFI CH4 sources associated with refining, oil/gas production, a presumed major pipeline leak, and a coal loading plant. Nocturnal CH4 mixing ratios tended to be higher than daytime values for similar sources, sometimes significantly, which was attributed to day/night meteorological differences, primarily changes in the boundary layer height. The highest CH4 mixing ratio (39 ppm) was observed near the Kern River Oil Field, California, which uses steam reinjection. FFI CH4 plume signatures were distinguished as stronger than other sources on local scales. On large (4°) scales, the CH4 trend was better matched spatially with FFI activity than wetland spatial patterns. Qualitative comparison of surface data with SCIAMACHY and GOSAT satellite retrievals showed agreement of the large-scale CH4 spatial patterns. Comparison with inventory models and seasonal winds suggests for some seasons and some portions of the Gulf of Mexico a non-negligible underestimation of FFI emissions. For other seasons and locations, qualitative interpretation is not feasible. Unambiguous quantitative source attribution is more complex, requiring transport modeling.

  9. 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...

  10. 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...

  11. 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 ...

  12. Business Process Flow Diagrams in Tissue Bank Informatics System Design, and Identification and Communication of Best Practices: The Pharmaceutical Industry Experience.

    Science.gov (United States)

    McDonald, Sandra A; Velasco, Elizabeth; Ilasi, Nicholas T

    2010-12-01

    Pfizer, Inc.'s Tissue Bank, in conjunction with Pfizer's BioBank (biofluid repository), endeavored to create an overarching internal software package to cover all general functions of both research facilities, including sample receipt, reconciliation, processing, storage, and ordering. Business process flow diagrams were developed by the Tissue Bank and Informatics teams as a way of characterizing best practices both within the Bank and in its interactions with key internal and external stakeholders. Besides serving as a first step for the software development, such formalized process maps greatly assisted the identification and communication of best practices and the optimization of current procedures. The diagrams shared here could assist other biospecimen research repositories (both pharmaceutical and other settings) for comparative purposes or as a guide to successful informatics design. Therefore, it is recommended that biorepositories consider establishing formalized business process flow diagrams for their laboratories, to address these objectives of communication and strategy.

  13. Industry

    Energy Technology Data Exchange (ETDEWEB)

    Bernstein, Lenny; Roy, Joyashree; Delhotal, K. Casey; Harnisch, Jochen; Matsuhashi, Ryuji; Price, Lynn; Tanaka, Kanako; Worrell, Ernst; Yamba, Francis; Fengqi, Zhou; de la Rue du Can, Stephane; Gielen, Dolf; Joosen, Suzanne; Konar, Manaswita; Matysek, Anna; Miner, Reid; Okazaki, Teruo; Sanders, Johan; Sheinbaum Parado, Claudia

    2007-12-01

    This chapter addresses past, ongoing, and short (to 2010) and medium-term (to 2030) future actions that can be taken to mitigate GHG emissions from the manufacturing and process industries. Globally, and in most countries, CO{sub 2} accounts for more than 90% of CO{sub 2}-eq GHG emissions from the industrial sector (Price et al., 2006; US EPA, 2006b). These CO{sub 2} emissions arise from three sources: (1) the use of fossil fuels for energy, either directly by industry for heat and power generation or indirectly in the generation of purchased electricity and steam; (2) non-energy uses of fossil fuels in chemical processing and metal smelting; and (3) non-fossil fuel sources, for example cement and lime manufacture. Industrial processes also emit other GHGs, e.g.: (1) Nitrous oxide (N{sub 2}O) is emitted as a byproduct of adipic acid, nitric acid and caprolactam production; (2) HFC-23 is emitted as a byproduct of HCFC-22 production, a refrigerant, and also used in fluoroplastics manufacture; (3) Perfluorocarbons (PFCs) are emitted as byproducts of aluminium smelting and in semiconductor manufacture; (4) Sulphur hexafluoride (SF{sub 6}) is emitted in the manufacture, use and, decommissioning of gas insulated electrical switchgear, during the production of flat screen panels and semiconductors, from magnesium die casting and other industrial applications; (5) Methane (CH{sub 4}) is emitted as a byproduct of some chemical processes; and (6) CH{sub 4} and N{sub 2}O can be emitted by food industry waste streams. Many GHG emission mitigation options have been developed for the industrial sector. They fall into three categories: operating procedures, sector-wide technologies and process-specific technologies. A sampling of these options is discussed in Sections 7.2-7.4. The short- and medium-term potential for and cost of all classes of options are discussed in Section 7.5, barriers to the application of these options are addressed in Section 7.6 and the implication of

  14. Seabed maps showing topography, ruggedness, backscatter intensity, sediment mobility, and the distribution of geologic substrates in Quadrangle 6 of the Stellwagen Bank National Marine Sanctuary Region offshore of Boston, Massachusetts

    Science.gov (United States)

    Valentine, Page C.; Gallea, Leslie B.

    2015-11-10

    The U.S. Geological Survey (USGS), in cooperation with the National Oceanic and Atmospheric Administration's National Marine Sanctuary Program, has conducted seabed mapping and related research in the Stellwagen Bank National Marine Sanctuary (SBNMS) region since 1993. The area is approximately 3,700 square kilometers (km2) and is subdivided into 18 quadrangles. Seven maps, at a scale of 1:25,000, of quadrangle 6 (211 km2) depict seabed topography, backscatter, ruggedness, geology, substrate mobility, mud content, and areas dominated by fine-grained or coarse-grained sand. Interpretations of bathymetric and seabed backscatter imagery, photographs, video, and grain-size analyses were used to create the geology-based maps. In all, data from 420 stations were analyzed, including sediment samples from 325 locations. The seabed geology map shows the distribution of 10 substrate types ranging from boulder ridges to immobile, muddy sand to mobile, rippled sand. Mapped substrate types are defined on the basis of sediment grain-size composition, surface morphology, sediment layering, the mobility or immobility of substrate surfaces, and water depth range. This map series is intended to portray the major geological elements (substrates, topographic features, processes) of environments within quadrangle 6. Additionally, these maps will be the basis for the study of the ecological requirements of invertebrate and vertebrate species that utilize these substrates and guide seabed management in the region.

  15. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

    The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

  16. Wapice News Mobile Application

    OpenAIRE

    Söylemez, Ilke

    2017-01-01

    Since the mobile phones started to have an increasingly significant role in daily life, the mobile application development also started to be an important area in the software industry. The problem for mobile application developers is to develop a mobile application which supports all the devices and platforms on the market. This issue created a need for cross platform mobile applications. The cross platform mobile development refers to the development of mobile applications that could be use...

  17. Basel Regulations, Economic Capital and Their Implications for the Turkish Banking Industry = Basel Kuralları, Ekonomik Sermaye ve Bu Kavramların Türk Bankacılık Sektörü İçin İşaret Ettiği Hususlar

    Directory of Open Access Journals (Sweden)

    Göksel TİRYAKİ

    2009-01-01

    Full Text Available Capital is one of the crucial financial sources of fund for all economic agents. It is also a basic financial indicator that should be measured and managed, especially for banks. Basel Banking Committee has been publishing a number of standards for almost two decades in order to establish harmonized capital requirement for banks, which set basis for regulatory capital. On the other hand, economic capital, which is another concept in managing capital in banks, is a consequence of theoretical studies and risk management and capital requirement practices. It is defined as the optimum bank capital level measured by quantifying all relevant risks involved. In this paper, these capital regulations are explained and implications of Basel Rules and economic capital models for The Turkish Banking Industry are summarized.

  18. Determinants of profitability according to groups of banks in Albania

    Directory of Open Access Journals (Sweden)

    Dr.Sc. Arjeta Hallunovi

    2017-06-01

    Full Text Available The paper analyzed the determinants of profitability of all the commercial banks in Albania, where the banks were analyzed by dividing into groups[1]. These determinants are categorized into two groups, internal and external factors. The objective of the study is to determine the factors that affect the profitability in commercial banks, to show how they differ according to groups of the banks and making some recommendations which can help the management. A panel data with all the commercial banks that operate in Albania is analyzed for the period 2009-2014. To measure the profitability is used the independent variable return on assets. Banking specific factors that are used in this study include variables such as bank size, asset management, credit risk, liquidity of assets, capital adequacy, operational efficiency and cost of financing. On the other hand is taken into consideration only one industry specific factor, which is the concentration and some macroeconomic factors as GDP, exchange rate and inflation. The quantitative data are obtained from the financial statements of commercial banks, INSTAT, Bank of Albania, World Bank and Bankscope, in order to make empirical analysis needed to identify and measure the determinants of bank profitability. In particular, the multiple regression analysis is used to measure the impact of determinants in bank profitability and to realize empirical analysis is used Eviews 7. The results of the study showed a positive relationship between bank size and profitability, statistically important in the group 2, with 1% level of significance. The credit risk had an inverse relation with profitability in the model, statistically significant at 1% level of significance for the group 2 and 5% for the group 1 and 3. While, in terms of macroeconomic factors, GDP had a positive relationship with profitability and it is statistically significant in the group 3. On the other hand, inflation and exchange rate showed a

  19. 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 ...

  20. The effect of employing knowledge workers from technologically advanced countries: The knowledge spillover caused by the mobility of knowledge workers in electronic industries in Asia

    Directory of Open Access Journals (Sweden)

    Ayano Fujiwara

    2017-08-01

    Full Text Available This paper is an extension of work originally presented in 2017 6th International Conference on Industrial Technology and Management (ICITM [53]. This research focuses on the mobilization of human resources in the Asian electrical industry and analyzes the impact of engineers’ international mobility on the innovation of enterprises in the host countries. I examine the characteristics of engineers who moved from Japan to China and South Korea to explore which types of engineers successful firms in China and South Korea select from rival companies in Japan. In addition, this study focuses on the role of the inventors’ networks to investigate the significance of researcher mobility and knowledge spillover as mechanisms that facilitate the flow of tacit knowledge. This study reveals that during the process of innovation, informal networks play an important role in the mobility of engineers. The findings suggest that successful firms require people with analytical skills and problem-solving capacity, not “star inventors.”

  1. RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

    OpenAIRE

    PAKSOY, H. Mustafa; ABAROSS, Nour

    2015-01-01

    This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

  2. Mobilities Mobilities

    Directory of Open Access Journals (Sweden)

    César Pompeyo

    2011-12-01

    Full Text Available Urry, John (2007 Mobilities.Oxford: Polity Press.Urry, John (2007 Mobilities.Oxford: Polity Press.John Urry (1946-, profesor en la Universidad de Lancaster, es un sociólogo de sobra conocido y altamente reputado en el panorama internacional de las ciencias sociales. Su dilatada carrera, aparentemente dispersa y diversificada, ha seguido senderos bastante bien definidos dejando tras de sí un catálogo extenso de obras sociológicas de primer nivel. Sus primeros trabajos se centraban en el campo de la teoría social y la filosofía de las ciencias sociales o de la sociología del poder [...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. Theoretical evaluation of electromagnetic emissions from GSM900 mobile telephony base stations in the West Bank and Gaza Strip-Palestine

    International Nuclear Information System (INIS)

    Lahham, Adnan; Abu Alkbash, Jehad; ALMasri, Hussien

    2017-01-01

    Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multi-antenna systems and also for multiple base stations with multi-antenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm -2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm -2 . The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ∼0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ∼27%. (authors)

  8. 12 CFR 619.9140 - Farm Credit bank(s).

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

  9. E-mobil on the right track. Electromobility: Germans' industry must build up networks if staying in competition; Am E-Mobil geht kein Weg vorbei. Elektromobilitaet: Will die heimische Industrie mitmischen, muss sie starke Netzwerke bilden

    Energy Technology Data Exchange (ETDEWEB)

    Stauss, Olaf

    2010-09-13

    Electromobility is moving on. But Germans industry must hurry up, because Chinas' automotive industry don't sleep. The competition becomes more and more stronger and Germans' companies will win, if they startup immediately. (GL)

  10. 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

  11. 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 ...

  12. 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.

  13. Theoretical Evaluation of Electromagnetic Emissions from GSM900 Mobile Telephony Base Stations in the West Bank and Gaza Strip-Palestine.

    Science.gov (United States)

    Lahham, Adnan; Alkbash, Jehad Abu; ALMasri, Hussien

    2017-04-20

    Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multiantenna systems and also for multiple base stations with multiantenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm-2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm-2. The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ~0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ~27%. © The Author 2016. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

  14. A User-Centered Mobile Cloud Computing Platform for Improving Knowledge Management in Small-to-Medium Enterprises in the Chilean Construction Industry

    Directory of Open Access Journals (Sweden)

    Daniela Núñez

    2018-03-01

    Full Text Available Knowledge management (KM is a key element for the development of small-to-medium enterprises (SMEs in the construction industry. This is particularly relevant in Chile, where this industry is composed almost entirely of SMEs. Although various KM system proposals can be found in the literature, they are not suitable for SMEs, due to usability problems, budget constraints, and time and connectivity issues. Mobile Cloud Computing (MCC systems offer several advantages to construction SMEs, but they have not yet been exploited to address KM needs. Therefore, this research is aimed at the development of a MCC-based KM platform to manage lessons learned in different construction projects of SMEs, through an iterative and user-centered methodology. Usability and quality evaluations of the proposed platform show that MCC is a feasible and attractive option to address the KM issues in SMEs of the Chilean construction industry, since it is possible to consider both technical and usability requirements.

  15. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

  16. 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...

  17. 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...

  18. Relação entre concentração e rentabilidade no setor bancário Brasileiro A study on the relationship between concentration and profitability in the Brazilian banking industry

    Directory of Open Access Journals (Sweden)

    José Alves Dantas

    2011-04-01

    and the stability of the banking industry; and (2 a greater profitability might indicate that banks have an opportunistic behavior, associated to a concentrated market. This study is aimed at evaluating the degree of concentration of the Brazilian banking industry and verifying whether there is a relationship between the level of bank profitability and the sector's degree of concentration, based on total assets, credit operations and bank deposits from January 2000 to December 2009. Taking the parameters of Brazilian antitrust authorities as benchmarks, we cannot find evidence of concentration in the Brazilian banking industry, although it should be mentioned that the concentration indicator has increased substantially from the end of 2008 onwards. When we take the concentration parameters used in the US, we find that, by the end of the period, the indicators fall within the "moderate concentration" range. As a second aim of the paper, we test hypotheses based on the structure - performance paradigm, which assumes that less competition associated to higher concentration results in higher bank profitability. The results do not corroborate the hypotheses in any of the combined tests performed, because the parameters are either statistically insignificant or negative. Expectations that higher market concentration would explain higher bank profitability, according to the structure - performance hypothesis, are not confirmed. On the contrary, we find evidence that the efficient structure hypothesis explains the profitability of the Brazilian banking industry more adequately.

  19. Bank development; bank development efficiency; bank management; bank.

    OpenAIRE

    Самородов, Б. В.

    2014-01-01

    In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

  20. 移动智能语音产业链治理策略研究%Management Strategy on Mobile Intelligent Speech Industrial Chain

    Institute of Scientific and Technical Information of China (English)

    王忠; 赵惠

    2014-01-01

    智能语音技术将开辟移动智能语音市场,改变用户的生活方式。分析移动智能语音应用现状得出以下发展趋势:语音将成为移动互联网的“入口”,市场将形成寡头竞争格局,初创公司将成为创新的主要动力。国内企业虽有一定技术优势,但综合竞争实力不及国外企业。建议政府以产业联盟整合产业链,以项目合作联合企业研发,以试点工程引导市场发展。%The intelligent speech technology of mobile devices will open up the mobile intelligent speech market and change the life style of the users. Based on the analysis of the applications status of the mobile intelligent speech,the following trends are concluded as follows:the speech will become the "entrance"of the mobile internet;a pattern of oligopolistic competition will appear on the market;the start-up company will become the main driving force of the innovation. Al-though having some technical advantages,the overall competitive strength of domestic enterprises is less than foreign enter-prises. The paper offers suggestions such as guiding and supporting enterprises to carry out research and development of the mobile intelligent speech,improving the ecosystem of mobile intelligent speech industry,and accelerating the applications demonstration.

  1. 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...

  2. 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.

  3. The application of statistical and/or non-statistical sampling techniques by internal audit functions in the South African banking industry

    Directory of Open Access Journals (Sweden)

    D.P. van der Nest

    2015-03-01

    Full Text Available This article explores the use by internal audit functions of audit sampling techniques in order to test the effectiveness of controls in the banking sector. The article focuses specifically on the use of statistical and/or non-statistical sampling techniques by internal auditors. The focus of the research for this article was internal audit functions in the banking sector of South Africa. The results discussed in the article indicate that audit sampling is still used frequently as an audit evidence-gathering technique. Non-statistical sampling techniques are used more frequently than statistical sampling techniques for the evaluation of the sample. In addition, both techniques are regarded as important for the determination of the sample size and the selection of the sample items

  4. An Investigation of the Effects of Workrelated - Stress and Organizational Commitment on Organizational Citizen ship Behavior: A Research on Banking Industry

    Directory of Open Access Journals (Sweden)

    Melisa Erdilek Karabay

    2014-03-01

    Full Text Available With increasing competition conditions and the acceleration of lobalization, organizations’ new management approach now support mployees in the direction of attaining the objectives of the organization to have more effective behaviors. However, employees in the business world are under the constant influence of factors that will affect their current working conditions negatively. In this context, job stress continues to influence today's organizational structure significantly. In this context, organizational commitment and organizational citizenship behavior in the literature emerges as the most coveted concept in the business world. The employees that have organizational commitment and organizational citizen ship behavior may lead to the creation of more efficient work environment . In this study, the relationship between organizational commitment , job stress, and organizational citizenship behavior is investigated in banking sector. As a result , it has been fo und that, bank employees' organizational commitment and organizational citizenship behavior affect courtesy, altruism, civic virtue , onscientiousness and sportsmenship, positively. On the other hand, bank employees’ organizational citizenship behavior with work stress has a negative effect on courtesy and consciousness.

  5. 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

  6. 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.

  7. 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.

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

    Directory of Open Access Journals (Sweden)

    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

  9. Entraînement de globules d'huile par un tensio-actif. Etude de la formation du banc Mobilization of Oil Ganglia by a Surfactant Analysis of Bank Formation

    Directory of Open Access Journals (Sweden)

    Moulu J. C.

    2006-11-01

    Full Text Available Lors de l'injection d'une solution de tensio-actif dans un gisement déjà balayé par de l'eau, l'huile résiduelle, piégée sous la forme de globules discontinus, est remise en mouvement et se regroupe éventuellement sous la forme d'un banc d'huile. Le but de la présente étude est d'expliquer la formation de ce banc au cours d'un tel déplacement. Les résultats d'expériences réalisées en micromodèles de billes de verre permettent de constater que : - la récupération globale est corrélable avec le nombre capillaire Nc= uVdf/O, u et Vdf étant la viscosité et la vitesse de Darcy du fluide injecté, O la tension interfaciale avec l'huile en place ; - la vitesse des globules varie différemment avec u, Vdf, O et tend vers la même limite plus grande que la vitesse du fluide injecté pour de grandes valeurs du nombre capillaire Nc ; - le banc d'huile ne se forme que dans le cas où la vitesse des globules atteint celle du fluide injecté. L'huile déplacée reste alors groupée avec une saturation importante au niveau du front de tensio-actif. When a surfactant solution is injected into a reservoir previously waterflooded, the residual oil trapped as discontinuous ganglia is mobilized and eventually bunched together forming an oil bank. The aim of this study is to explain the formation of this bank during such a drive. The results of experiments performed in micromodels of glass beads show that: a Overall recovery can be correlated with the capillary number, Nc = uVfd/O, in which u and Vfd are the viscosity a and Darcy velocity of the injected fluid and O is the interfacial tension with the oil in place. b Ganglia velocity varies differently with u, Vfd and O, and it tends towards the same limit faster than the velocity of the injected fluid for high values of the capillary number Nc. c The oil bank is formed only in the case where globule velocity attaints that of injected fluid. the dispaced oil then remains bunched, with high

  10. Commercial Banks

    Directory of Open Access Journals (Sweden)

    Abbas Asosheh

    2009-09-01

    Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

  11. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

    The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

  12. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  13. PROMINP (Program of Mobilization of the National Industry of Oil and Natural Gas): synergy in the national industry; PROMINP (Programa de Mobilizacao da Industria Nacional de Petroleo e Gas Natural): sinergia na industria nacional

    Energy Technology Data Exchange (ETDEWEB)

    Almeida, Jose Renato Ferreira de; Campos, Michel Fabianski; Lopesm Ronaldo Rangel; Lisboa, Vitor Manuel dos Santos [PETROBRAS S.A., Rio de Janeiro, RJ (Brazil)

    2008-07-01

    The Federal Government identified, from the forecast of massive investments in the sector of oil and natural gas in the next years, that it was establishing a favorable environment to foment the participation of the national industry of goods and services, in competitive and sustainable bases, in the implantation of projects of oil and gas in Brazil. Thus, in 2003, it was born the Program of Mobilization of the National Industry of Oil and Natural Gas - PROMINP. From an ample diagnosis of the necessary critical resources, throughout the time, for the implementation of the planned projects, the PROMINP identifies the gaps related to the professional qualification, industrial infrastructure and supply of materials and equipment, and, to surpass these challenges, it has lead, in these five years of existence, an expressive set of action for each one of the cited sources, of form to assure the competitiveness of the Industry of Supply of Goods and services and the support of this process. Such actions are elaborated and developed of joint form it enters all the participants of the chain. Since the creation of the PROMINP, the participation of the national industry (Local Content) in the investments of the sector increased of 57% in 2003 for 75% in 2007, what it means a US$ addition 8,3 billion orders of goods and services in the national market and generated more than 390 thousand new jobs. (author)

  14. Simulating Retail Banking for Banking Students

    Science.gov (United States)

    Supramaniam, Mahadevan; Shanmugam, Bala

    2009-01-01

    The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

  15. 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

  16. 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.

  17. 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)

  18. The European Bank for Reconstruction and Development in partnership with Lithuania targeting full technical and industrial participation in the development of the energy sector

    International Nuclear Information System (INIS)

    Jahnke, J.

    2000-01-01

    Policy of the European Bank for Reconstruction and Development (EBRD) in Lithuanian energy sector is described. Since 1994 EBRD take active part in financing of safety upgrades of Ignalina NPP. When in 1999 political decision was made to shut down unit 1 of Ignalina NPP EBRD is prepared to take part in co-financing of decommissioning of unit 1. A special fund - International Ignalina decommissioning support fund - was established under the auspice of EBRD recently. Developed countries, international organisation will be contributors to this fund and EBRD will be managing this fund

  19. 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...

  20. Is banking supervision central to central banking?

    OpenAIRE

    Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

    1997-01-01

    Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

  1. The Impact of Customers’ Perception of CSR on Corporate Brand Loyalty: The Case of the Romanian Mobile Telecom Industry

    Directory of Open Access Journals (Sweden)

    Ovidiu Ioan Moisescu

    2015-06-01

    Full Text Available The goal of the current research is to analyze the impact of customers’ perceptions of corporate social responsibility (CSR on their loyalty towards mobile telecommunication companies within the particular socio-cultural and economic context of one of the largest national markets of Central and Eastern Europe. In order to achieve this goal, a survey was conducted among a sample of 1,464 mobile telecommunication customers from the urban area of Romania. The findings point out the fact that Romanian mobile telecom customers’ loyalty is not significantly impacted by how they perceive their service suppliers’ responsibilities with regard to their employees or economic success, while their perceptions of companies’ responsibilities towards customers, public authorities, the environment, community development, and sponsorship have a significant impact on corporate brand loyalty. The findings have managerial implications in what concerns the appropriate implementation and communication of CSR policies by mobile telecommunication companies from the region in order for them to enhance their customer’s loyalty.

  2. 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.

  3. 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...

  4. Hiinlased seljatasid Bank of America / Tarvo Vaarmets

    Index Scriptorium Estoniae

    Vaarmets, Tarvo

    2007-01-01

    Hiina suurpanga Industrial & Commercial Bank of China (ICBC) aktsia hind kerkis Shangai börsil 5,5 protsendi võrra. Diagramm: ICBC aktsia hind; Tabel: 10 suurimat panka maailmas. Kommenteerib Romet Kreek

  5. 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.

  6. Mobile platform security

    CERN Document Server

    Asokan, N; Dmitrienko, Alexandra

    2013-01-01

    Recently, mobile security has garnered considerable interest in both the research community and industry due to the popularity of smartphones. The current smartphone platforms are open systems that allow application development, also for malicious parties. To protect the mobile device, its user, and other mobile ecosystem stakeholders such as network operators, application execution is controlled by a platform security architecture. This book explores how such mobile platform security architectures work. We present a generic model for mobile platform security architectures: the model illustrat

  7. Laboriosas mas redundantes: gênero e mobilidade no trabalho no Brasil dos 90 Industrious but Redundant: Gender and Labor Market Mobility in Brazil in the 1990s

    Directory of Open Access Journals (Sweden)

    NADYA ARAÚJO GUIMARÃES

    2001-01-01

    Full Text Available O texto aborda a mobilidade, no mercado formal de trabalho, de trabalhadores e trabalhadoras demitidos da indústria brasileira nos anos 90, destacando a importância do enfoque sobre os diferenciais de gênero para a melhor compreensão desse fenômeno. Com base em dados produzidos pelas empresas brasileiras para o sistema de informações e cadastro geral de admitidos e demitidos do Ministério do Trabalho e Emprego, retrabalhados em forma longitudinal (base Raismigra, o texto procura verificar se as trajetórias de mobilidade variam segundo o gênero, o setor da atividade (sua mixidade e a natureza da reestruturação e o tipo de mercado regional de trabalho (mais ou menos formalizado onde se busca o emprego.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.

  8. 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

  9. 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

  10. 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 ...

  11. 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

  12. A reasoned use of the notion of concernment: mobilizations about the nuclear industry; De l'usage raisonne de la notion de concernement: mobilisations locales a propos de l'industrie nucleaire

    Energy Technology Data Exchange (ETDEWEB)

    Brunet, Ph. [Universite d' Evry Val d' Essonne, Centre Pierre Naville, TEPP/FR-CNRS 3126, 87 - Panazol (France)

    2008-10-15

    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)

  13. 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

  14. Banking system trust, bank trust, and bank loyalty

    NARCIS (Netherlands)

    van Esterik-Plasmeijer, P.; van Raaij, W.F.

    2017-01-01

    Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

  15. Green heterogeneous small-cell networks: Toward reducing the CO2 emissions of mobile communications industry using uplink power adaptation

    KAUST Repository

    Shakir, Muhammad Zeeshan; Qaraqe, Khalid A.; Tabassum, Hina; Alouini, Mohamed-Slim; Serpedin, Erchin; Imran, Muhammad Ali

    2013-01-01

    Heterogeneous small cell networks, or Het- SNets, are considered as a standard part of future mobile networks in which multiple lowpower low-cost user deployed base stations complement the existing macrocell infrastructure. This article proposes an energy-efficient deployment of the cells where the small cell base stations are arranged around the edge of the reference macrocell, and the deployment is referred to as cell-on-edge (COE) deployment. The proposed deployment ensures an increase in the network spectral and energy efficiency by facilitating cell edge mobile users with small cells. Moreover, COE deployment guarantees reduction of the carbon footprint of mobile operations by employing adaptive uplink power control. In order to calibrate the reduction in CO2 emissions, this article quantifies the ecological and associated economical impacts of energy savings in the proposed deployment. Simulation results quantify the improvements in CO2 emissions and spectral and energy gains of the proposed COE deployment compared to macro-only networks and typical small cell deployment strategies where small cells are randomly deployed within a given macrocell. © 2013 IEEE.

  16. Green heterogeneous small-cell networks: Toward reducing the CO2 emissions of mobile communications industry using uplink power adaptation

    KAUST Repository

    Shakir, Muhammad Zeeshan

    2013-06-01

    Heterogeneous small cell networks, or Het- SNets, are considered as a standard part of future mobile networks in which multiple lowpower low-cost user deployed base stations complement the existing macrocell infrastructure. This article proposes an energy-efficient deployment of the cells where the small cell base stations are arranged around the edge of the reference macrocell, and the deployment is referred to as cell-on-edge (COE) deployment. The proposed deployment ensures an increase in the network spectral and energy efficiency by facilitating cell edge mobile users with small cells. Moreover, COE deployment guarantees reduction of the carbon footprint of mobile operations by employing adaptive uplink power control. In order to calibrate the reduction in CO2 emissions, this article quantifies the ecological and associated economical impacts of energy savings in the proposed deployment. Simulation results quantify the improvements in CO2 emissions and spectral and energy gains of the proposed COE deployment compared to macro-only networks and typical small cell deployment strategies where small cells are randomly deployed within a given macrocell. © 2013 IEEE.

  17. ESSENCE OF ACTIVE OPERATIONS OF COMMERCIAL BANKS

    Directory of Open Access Journals (Sweden)

    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

  18. 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.

  19. 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.

  20. 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

  1. 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.

  2. 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

  3. 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

  4. Industrialization Impact on Worker Mobility and Land Use in Peri Urban Area (Case study of Semarang District, Indonesia)

    Science.gov (United States)

    Wijaya, H. B.; Kurniawati, H.; Hutama, S. T. E. W.

    2018-02-01

    In many cases, industrialization has stimulated the urbanization process massively. It tends to attract substantial number of labor migrants from nearby region to fulfill the demand of workers. The paper reports the research result of industrialization phenomena in Semarang district, Indonesia. It carried out the survey by taking 250 samples of migrant workers. The result shows that the presence of labor-intensive industries becomes the most influence factor for many migrants, rather than the driving factors from the place of origin. The attraction factor could cover regional and across the province force, as indicated that all migrant respondents come from both inside and outside of Central Java Province. Furthermore, based on the land-use distribution of the migrant settlement area, it indicates a growing land-use change, both of land cover and land functions.

  5. 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...

  6. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

    Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

  7. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

    The banking systems of some countries export intermediation services to the rest of the world, while many other countries are net exporters of deposits to banks abroad and net importers of loans from banks abroad. Banking center countries typically have lower inflation, deeper financial systems, earn less government revenue from seigniorage, and have lower reserve money relative to bank assets than nonbanking-center countries. This paper develops a stylized model of regulated bank intermediat...

  8. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

    Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

  9. Factors influencing accounting conservatism in banks: the UAE case

    Directory of Open Access Journals (Sweden)

    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.

  10. 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.

  11. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

    Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

  12. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  13. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

    The use of human organs and tissues for transplantation in Australia has increased significantly over the past 30 years. In 1997, the Australian Coordinating Committee on Organ Registries and Donation (ACCORD) reported a total number of 190 organ donors, 636 corneal donors and 1509 bone donors Australia wide. Of the 1509 bone donations, 143 came from cadaveric sources and 1366 were made by living donors. Bone transplantation is not as widely recognised as solid organ or corneal transplantation. Due to improved technology and surgical skills, the demand for bone transplantation has increased markedly. This Clinical Update will provide an overview of the physiological aspects of bone transplantation and explore bone banking, a key step in the complex and critical process of bone transplantation.

  14. ASPECTS ON THE EFFICIENCY OF MOBILE TEAM INTERVENTIONS ON ELECTRICAL ENERGY DISTRIBUTION EQUIPMENT TOWARDS DOMESTIC AND INDUSTRIAL CONSUMERS

    OpenAIRE

    Cristinel POPESCU

    2017-01-01

    The paper aims at presenting how to coordinate intervention teams in the event of failure regimes in electric power distribution installations to domestic and industrial low voltage consumers. The work was theoretically and practically supported by an application implemented within the Faculty of Engineering and coordinated by the author.

  15. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

    Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

  16. 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.

  17. 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…

  18. The SRS data bank concept

    International Nuclear Information System (INIS)

    Bendell, A.; Cannon, A.G.

    1985-01-01

    The Systems Reliability Service (SRS), now incorporated into the National Centre of Systems Reliability (NCSR), was formed 13 years ago as a commercial undertaking at the instigation of the then Minister of Technology, to act as a focal point for the development of reliability technology from its outset in the Nuclear Industry, and even earlier in such specialized areas as the instrument and aircraft industries. NCSR was also required to encourage research at Universities and other organizations, and a commercial service was offered to industry for solving various reliability and availability problems. The Data Bank Unit, being the data-handling, process and analysis group of the NCSR, is described. (author)

  19. Exploring nomological link between automated service quality, customer satisfaction and behavioural intentions with CRM performance indexing approach: Empirical evidence from Indian banking industry

    Directory of Open Access Journals (Sweden)

    Arup Kumar Baksi

    2013-01-01

    Full Text Available Automation in service delivery has increased the consumers’ expectation with regard to service quality and subsequently the perception of the same. Technology-driven services redefined quality dimensions and their subsequent impact on the behavioural outcomes of the consumers with specific reference to attitudinal loyalty and propensity to switch. Customer Relationship Management (CRM has further reinforced the operational aspects of a service provider by integrating the behavioural perspectives with technology. This paper attempts to explore the nomological link between automated service quality and its behavioural consequences with specific reference to consumers’ attitudinal loyalty and their intention to switch or defect from their present service provider. The study further takes into consideration the moderating effects of the performance of the dimensions and attributes of customer relationship management by introducing a novel approach to CRM performance indexing. The cross-sectional study was carried out with the customers of State Bank of India at Asansol, Durgapur, Bolpur and Santiniketan in West Bengal, India. The study used structural equation modeling (SEM to assess and validate the nomological relationship between the variables.

  20. Organizational Resilience and Performance: An Analysis of the Relevance of Suppliers’ Trade Credit and Bank Diversification in the Spanish Construction Industry

    Directory of Open Access Journals (Sweden)

    Esteban Lafuente

    2017-12-01

    Full Text Available The objective of this study is to determine the effect of relevant variables related to strategic sources of financial resources—in our case, suppliers’ trade credit and use of financial institutions—over performance among Spanish construction firms. To test the proposed hypotheses, we employ panel-data techniques on a large dataset that includes information for 3590 Spanish small (1723, medium-sized (1616 and large (251 construction businesses during 2004-2011. The results of the longitudinal analysis reveal that trade credit granted by suppliers constitute a relevant source of liquidity and financial resources that positively impacts economic performance. During the period of economic downturn that affected Spain after 2008, those construction firms that benefited from longer average payment periods from their suppliers reported superior performance levels. Additionally, we find that bank diversification is conducive to performance but only during the crisis period: performance is significantly higher in businesses that work with a greater number of financial institutions.