Search results for "BANKING"
showing 10 items of 282 documents
How perceived security appears in the commercialisation of internet banking
2005
Security has been widely recognised as one of the main barriers to the adoption of internet innovation. Many studies suggest that firms operating on the internet must first convince their customers about the security of internet as a medium. This paper presents empirical evidence that Finnish internet customers do not consider internet banking as unsecured as past literature suggests. In fact, our research findings suggest that Finnish internet banking services are considered secured in all our target groups, which present a vast sample of today's Finnish internet customers. However, mobile banking customers seem to have somewhat more security concerns than internet banking customers. Our e…
Placing links in mobile banking application
2005
This study compares two alternative ways to organize links as navigation elements in mobile banking applications. For the comparison, two alternative banking applications were tested. The applications that were tested had the same content but different ways to navigate with links. One of them provided a system where the user was required to use specific menu pages for navigation and where there were no cross-navigation enabling links on content pages. The other application had cross-navigation enabling links on content pages. The comparison was done by conducting a usability test with 30 test users. The users' performance and subjective feedback were measured in the test. The application wi…
Mobile banking adoption: A literature review
2015
Electronic commerce (e-commerce) continues to have a profound impact on the global business environment, but technologies and applications also have begun to focus more on mobile computing, the wireless Web, and mobile commerce. Against this backdrop, mobile banking (m-banking) has emerged as an important distribution channel, with considerable research devoted to its adoption. However, this research stream has lacked a clear roadmap or agenda. Therefore, the present article analyzes and synthesizes existing studies of m-banking adoption and maps the major theories that researchers have used to predict consumer intentions to adopt it. The findings indicate that the m-banking adoption litera…
The Global Financial Crisis and the New Monetary Consensus
2013
International audience; The Global Financial Crisis has reshuffled the cards for central banks throughout the world. In the wake of the biggest crisis since the Great Depression, this volume traces the evolution of modern central banking over the last fifty years. It takes in the inflationary chaos of the 1970s and the monetarist experiments of the 1980s, eventually leading to the New Monetary Consensus, which took shape in the 1990s and prevailed until 2007. The book then goes on to review the limitations placed on monetary policy in the aftermath of the global meltdown, arguing that the financial crisis has shaken the new monetary consensus.
Industrial loans and market structure
2003
Abstract Based on the observation that financing is one of the main obstacles to create new firms, this paper deals with the interactions between the market structure of both the banking sector and the borrowing industries. We consider that firms’ installation costs are financed by means of industrial loans from specialized banks. With endogenous entry in banking activity as well as in the borrowing industry, we find that a natural oligopoly emerges in both sectors if the entry cost in the industrial sector is small enough, relative to the banks’ entry cost.
Bankas klientu priekšrocības tarifu piešķiršanas un aprēķināšanas sistēma
2016
Šajā dokumentā ir aprakstīta sistēma, kas bija izstrādāta vienai no Latvijas bankām, lai optimizētu atlaižu tarifu piešķiršanas un komisijas aprēķināšanas procesus. Dokumentā ir iekļauta sistēmas tehniskā dokumentācija, kas ietver prasību specifikāciju, projektējumu, testēšanas dokumentāciju, pirmkoda piemērus, kā arī informāciju par projekta organizāciju. Sistēma izstrādāta OpenEdge 10.2 vidē.
Risk committee complexity and liquidity risk in the European banking industry
2021
Abstract The present study aims to investigate how bank governance characteristics are related to liquidity risk by analysing board composition, gender, and the risk committee. A dynamic panel data model is employed on a sample of European banks during the period after the financial crisis (from 2011 to 2017). Furthermore, we collect information about the profiles of the directors on the boards of banks, thereby creating five categories of risk committee members. To address the endogeneity issue, a generalised method of moments two-step estimator is implemented. The findings highlight that the fundamental role of the risk committee adequately shields banks against general liquidity risks. M…
Interbank lending and the spread of bank failures: A network model of systemic risk
2012
We model a stylized banking system where banks are characterized by the amount of capital, cash reserves and their exposure to the interbank loan market as borrowers as well as lenders. A network of interbank lending is established that is used as a transmission mechanism for the failure of banks through the system. We trigger a potential banking crisis by exogenously failing a bank and investigate the spread of this failure within the banking system. We find the obvious result that the size of the bank initially failing is the dominant factor whether contagion occurs, but for the extent of its spread the characteristics of the network of interbank loans are most important. These results ha…
Determinants of interest margins in Spanish credit institutions before and after the 2008 financial crash
2017
As interest margins of credit institutions affect economic performance of countries, finding out which are the main determinants of their evolution is a research task of great interest at current times. This is the purpose of the present paper as regards to the Spanish case over the period 2004-2012. Based on the econometric contributions by Ho and Saunders (1981) and some of its extensions, the authors develop a model that includes as explanatory variables the factors usually examined in the literature and other singular variables that might be relevant. Particularly, the rate of leverage, the quality of their assets measured according to their risk, and the profit obtained from the sellin…
Models of Biobanking and Tissue Preservation: RNA Quality in Archival Samples in Pathology Laboratories and “In Vivo Biobanking” by Tumor Xenografts …
2011
Tissue banks represent essential resources and platforms for biomedical research serving basic, translational, and clinical research projects. In this article, we describe 2 models of biobanking and tissue preservation with different approaches and aims. Archive tissue biobanking is described here as a resource of residual pathology tissues for translational research, which represents the huge clinical heterogeneity. In this context, managing of tissues and RNA quality in archive tissue are discussed. The other model of tissue biobanking is referred to as xenograft tissue banking, which represents an alternative method for obtaining large amounts of tissue, over an indefinite period, in so …