Search results for "ANKI"
showing 10 items of 816 documents
Risk Disclosure in the European Banking Industry: Qualitative and Quantitative Content Analysis Methodologies
2022
This book aims to shed light on the advantages and disadvantages of both qualitative and quantitative content analysis methodologies by examining risk disclosure practices in the European banking industry. Content analysis methodologies allow to assess the level of transparency of financial and non-financial reports by focusing on the information disclosed to the public with reference to their risk exposure and management. There is an ongoing debate in the literature to understand whether qualitative or quantitative content analysis methodologies are more effective and useful to analyse disclosure practices. Some authors contend that qualitative methodologies may be more appropriate because…
Contingent convertible bonds for sovereign debt risk management
2015
We consider convertible bonds that contractually stipulate payment standstill, contingent on a market indicator of a sovereign's creditworthiness breaching a distress threshold. This financial innovation limits ex-ante the likelihood of debt crises and imposes ex-post risk sharing between creditors and the debtor. Drawing from literature on contingent contracts, neglected risks, and bank CoCo, we extend prevailing arguments in favor of sovereign CoCo (S-CoCo). We discuss issues relating to their design: which market trigger, market discipline and sovereign incentives, and errors of false alarms or missed crises, and provide supporting evidence with eurozone data and a simple simulation on t…
Estimación del valor económico de la calidad del agua de un río mediante una doble aproximación: una aplicación de los principios económicos de la Di…
2011
El principal objetivo de la Directiva Marco del Agua de la Unión Europea es logar un “buen estado†de las aguas europeas para el año 2015 mediante una combinación de diferentes medidas. En este estudio, dos métodos de preferencias declaradas, el método de valoración contingente y el método de ordenación contingente, han sido aplicados para obtener la valoración económica de una hipotética mejora de la calidad del agua de un río. La comparación de las dos metodologías muestra que las valoraciones obtenidas con el método de ordenación contingente son considerablemente mayores que las obtenidas con la valoración contingente. Por último, los valores estimados se agregan para obtener una apro…
Irrigation water intensity and climate variability: an agricultural crops analysis of Italian regions
2020
This paper examines the relationship between the requirement of water resources for irrigation and climate variability and analyses the ranking of the best and worst performance of irrigation water intensity for each Italian region. To measure water resources demanded by agriculture, the irrigation water intensity (IWI) indicator has been computed as the ratio between volumes of irrigation water and total crop harvested. By applying panel data methodologies to a regional dataset spanning from 2000 to 2009, we may address heterogeneity and omitted variable issues. By merging meteo-climatic with agricultural variables, we may confirm that water precipitations, maximum temperature, irrigation …
SMS Messages in a Daily Finnish Newspaper : The Contect of Proverb Performances
2017
The article focuses on Finnish proverbs as a part of contemporary colloquial written language in everyday use and context. The article offers a view on what is happening with proverbs in the vernacular in Finnish everyday life. Most traditional Finnish proverbs originate from an agrarian context and still use agrarian language, even if nowadays they live in a new context with a new meaning. As empirical material this article uses a special case that demonstrates the use of proverbs in one Finnish newspaper: proverbs in SMS messages published as a letter to the editor in a newspaper. *** Avtorica se osredinja na finske pregovore kot del sodobnega pogovornega pisnega jezika v vsakdanji rabi i…
Social media as a place to see and be seen : Exploring factors affecting job attainment via social media
2023
Job seekers can utilize social media platforms to actively search for job opportunities and also receive unsolicited job offers from recruiters and employers. Using data from a representative sample of Finnish social media users, this article studies both aspects of social media job attainment by analyzing how much individuals successfully apply for jobs and get recruited to positions through social media. Results show that the prevalence of successfully applying to jobs through social media does not differ statistically between socio-economic groups, but the prevalence of getting recruited to jobs through social media is greater within higher socio-economic groups. LinkedIn users are more …
Social Network Banking : A Case Study of 100 Leading Global Banks
2018
Social media is widely recognized as a challenging new communication technology in both economic and social contexts. The present article explores how banks have exploited this technology in the range of consumer retail banking services offered by 100 leading global banks on the three major social networking sites (SNS): Facebook, Twitter, and YouTube. Viewing social network (SN) banking as a separate delivery channel and offering a working definition of SN banking, the article shows that banks have been more cautious than other businesses in using SNS. The available services are classified on nine main dimensions: marketing, financial education and advice, information support, customer sup…
Consumers' perceptions of mobile banking continuous usage in Finland and South Africa
2015
This study examines continuous usage behaviour related to mobile banking (m-banking) among consumers living in Finland (FI) and South Africa (ZA). The study investigates three post-adoption behavioural consequences - namely, trust, satisfaction and word of mouth. Using purposeful sampling techniques, we found that trust plays a significant role in promoting continuous usage of m-banking. In general, the respondents reported high levels of trust in m-banking technology and were satisfied with the m-banking application and services. In addition, convenience, user friendliness and speed emerged as the main sub-topics related to satisfaction. In most cases, the convenience of using m-banking do…
Digital Banking in Northern India: The Risks on Customer Satisfaction
2021
The widespread use of digital technologies and the current pandemic (COVID) have fueled the need and call for digital transformation in the banking sector. Although this has various benefits, it is a disruption to the norm to which a bank customer has to become accustomed. This variance means that customers would have to make some changes to their routine. This can constitute risks in terms of maintaining customer satisfaction at previous levels. These risks are associated with customer retention because a service or product needs to be aligned with customer expectations to avoid them switching to other service providers. Moreover, it can also have an effect on reputa- tion. Offering digita…
A hybrid multi-criteria approach to GPR image mining applied to water supply system maintenance
2018
[EN] Data processing techniques for Ground Penetrating Radar (GPR) image mining provide essential information to optimize maintenance management of Water Supply Systems (WSSs). These techniques aim to elaborate on radargrams in order to produce meaningful graphical representations of critical buried components of WSSs. These representations are helpful non-destructive evaluation tools to prevent possible failures in WSSs by keeping them adequately monitored. This paper proposes an integrated multi-criteria decision making (MCDM) approach to prioritize various data processing techniques by means of ranking their outputs, namely their resulting GPR image representations. The Fuzzy Analytic Hi…