Suchergebnisse

Electronic banking (e-banking) is a form of banking in which funds are transferred through an exchange of electronic signals along to the traditional banking process as the exchange of cash, checks, or other types of paper documents. Moreover, the general tendencies of the Iraqi government in line with other countries to adopt e-banking and provide e-services to customers. However, the determinants of e-banking services need to investigate to determine the variables affecting the rate of such adoption. Thus, the main aim of this study is to identify the determinants of e-banking services in Iraq. Hence, this study gives an investigation using the technology acceptance model (TAM) by selecting a sample for many Iraqi banks' customers and staff to determine the determinants of user acceptance of e-banking. A preliminary study was conducted to empirically determine the user acceptance determinants of e-banking. For data collection, a quantitative method was used represented by the questionnaire. The selected sample for the investigation is 200 (customers and staff). Several methods have used for data analysis such as hierarchical regression, one-way ANOVA, descriptive statistics, t-test as well as structural equation modeling (SEM). The obtained outcomes show there are several determinants of e-banking services in Iraq that have determined in this study. Moreover, this study confirms the overcoming of those determinants will give a highly positive impact on e-banking services.

The banking industry and its regulators should seek solutions to bring more of the unbanked into the traditional banking sector. That would be good for banks and their low-income customers.

The banking industry and its regulators should seek solutions to bring more of the unbanked into the traditional banking sector. That would be good for banks and their low-income customers.

We study the effects of a bank's engagement in trading. Traditional banking is relationship-based: not scalable, long-term oriented, with high implicit capital, and low risk (thanks to the law of large numbers). Trading is transactions-based: scalable, short-term, capital constrained, and with the ability to generate risk fromconcentrated positions. When a bank engages in trading, it can use its 'spare' capital to profitably expand the scale of trading. However there are two inefficiencies.A bank may allocate too much capital to trading ex-post, compromising the incentives to build relationships ex-ante. And a bank may use trading for risk-shifting.Financial development augments the scalability of trading, which initially benefits conglomeration, but beyond some point inefficiencies dominate. The deepening of financial markets in recent decades leads trading in banks to become increasingly risky, so that problems in managing and regulating trading in banks will persist for the foreseeable future. The analysis has implications for capital regulation, subsidiarization, and scope and scale restrictions in banking.

The article analyzes the pension reform implemented in Russia in 2013–2014, provides the modeling of possible pensions, determines the efficiency boundaries for the use of insurance and savings-insurance schemes offered by the Pension Fund of Russia. The author examines the activities and effectiveness in managing pension savings and reserves from non-state pension funds, especially the system of voluntary savings insurance. The study identifies the challenges faced by these financial institutions, which constrain the development of the Russian pension system. Drawing on logical and econometric analysis the author identifies the competitive opportunity for banks to participate in the Pension Benefits Act, calculates the proposals' efficiency for future retirees and the banking system as a whole, determines the contribution of the proposed solutions to enhanced competition and more competitive banking environment.

The mono-financial system of the traditional banking sector has become increasing 'divorced' from the real economy, but equally the real economy has evolved to something new that is not well served by the traditional banking sector mindset. This book provides new insights into the dynamics taking place in the financial system. We are in the throws of a 6th Kondratieff cycle, or Information Revolution, which similar to the Industrial Revolution, is changing fundamental physical and social structures in society. This book provides complementary theoretical bases (from Marx to Hayek) for examining the changes, along with empirical examples, and identifies how the serfdom to the mono-financial system can be broken within the Information Revolution. Activity by a range of non-banks, including technological, social and corporate entities is well placed to provide real competition to the banking sector.

Chapter 1. Introduction -- Chapter 2. Industry 5. and Banking 5.0 -- Chapter 3. Business Model Canvas and Banking -- Chapter 4. Propositions of Value for the Customer in Banking 5.0 -- Chapter 5. Proximity to the Customer in Banking 5.0 -- Chapter 6: Partition of the Customers in Banking 5.0 -- Chapter 7. Place or Channels in Banking 5.0 -- Chapter 8. Platforms for Banking 5.0 -- Chapter 9. Processes in Banking 5.0 -- Chapter 10. Persons in Banking 5.0 -- Chapter 11. Partnerships in Banking 5.0 -- Chapter 12. Pricing in Banking 5.0 -- Chapter 13. Payments for Costs and Investments in Banking 5.0 -- Chapter 14. Banking 5.0. and Digital Transformation;- Chapter 15. Future of Banking -- Chapter 16. Conclusions.

Introduction -- The Rise and Development of Non-traditional Banking Business in China -- The Impact of Income Diversification on Chinese Banks: Bank Performance -- The Impact of Income Diversification on Chinese Banks: Bank Risk -- The Impact of Income Diversification on Chinese Banks: Bank Efficiency. Conclusion.

ABSTRACTIn Islamic banking rules apply which differ from those in traditional banking. This article first discusses the consequences of Islamic banking for financial operations in general, then goes on to examine the Islamic procedures introduced in Pakistan's banking sector since 1985. Considering the drastic change in procedures, the effect of Islamization on this sector has been moderate. One reason for this is that banks in Pakistan have consistently opted for financial instruments closely resembling interest‐based finance. Another reason is that their behaviour has been determined to a large extent by the fact that they are state‐owned.

This study is determined by several factors that includes: (1) increasing interest in the shadow banking system as a result of the consequences of the global financial crisis; (2) the links between the traditional banking system and the shadow banking system with regard to the impact on financial stability; (3) low interest rates on bank deposits in recent years that might drive the development of the shadow banking system and (4) the lack of extensive literature on similar studies regarding Romania. The period analyzed is 2008-2018, beginning with the year when the effects of the global financial crisis were felt in Romania and the macroeconomic conditions deteriorated. The results reveal that the shadow banking in Romania is small compared to the regular banking system that dominates the Romanian financial system. The European Union financial sector greatly impacts both the banking sector and the shadow banking system. The entities and the activities composing the shadow banking system are not complex and the links between the two financial sectors raise greater risks to shadow banking entities than to regular banks.