Search results for "banking"
showing 10 items of 282 documents
Autonomía negocial y sujeción normativa en la información bancaria
1998
Usurarian contracts. Current jurisprudencial perspective
2018
El objetivo de este trabajo es destacar las novedades presentadas por la Jurisprudencia sobre contratos usurarios celebrados entre las empresas bancarias y sus clientes. La coexistencia de la Ley de Usura con las regulaciones para la protección de los consumidores contra cláusulas abusivas no ha menoscabado la vigencia de ley, pero sus diferencias en cuanto a la declaración de nulidad generan incertidumbre, por lo que sería conveniente una mayor armonización. The objective of this work is to highlight the novelties presented by the Jurisprudence on usurious contracts concluded between banking companies and their clients. The coexistence of the Usury Law with the regulations for the protecti…
An adoption model for mobile banking in Ghana
2009
The impact of social and cultural factors on the adoption of technology still requires much research. To investigate it more fully, we examine the reasons for the adoption and non-adoption of mobile banking in Ghana. Through a survey of 271 people in Ghana, it has been found that social and cultural factors in the form of perceived credibility, facilitating conditions, perceived elitisation and demographic factors do play a significant role in adoption decisions. It has been found that elitisation of technology and services can be a positive influence for adopters whilst being a negative influence for non-adopters. In addition, perceived credibility and facilitating conditions also influenc…
Usability and Trust in E-Banking
2007
This study assessed the role of usability in trust of e-banking services. A questionnaire was administered to 185 Italian undergraduate working students who volunteered for the experiment (M age = 30.5 yr., SD = 3.1). Participants were differentiated on computer ability (Expert, n=104; Nonexpert, n = 81) and e-banking use (User, n = 93; Nonusers, n = 92). Analysis showed that the website usability of e-banking services did not play a very important role for the User group. Instead, institution-based trust, e.g., the trust in the security policy of the Web merchant, customers, and the overall trust of the bank were the crucial factors in the adoption of e-banking. © Psychological Reports 200…
Structural Reforms in Banking: The Role of Trading
2017
In the wake of the recent financial crisis, significant regulatory actions have been taken aimed at limiting risks emanating from trading in bank business models. Prominent reform proposals are the Volcker Rule in the U.S., the Vickers Report in the UK, and, based on the Liikanen proposal, the Barnier proposal in the EU. A major element of these reforms is to separate "classical" commercial banking activities from securities trading activities, notably from proprietary trading. While the reforms are at different stages of implementation, there is a strong ongoing discussion on what possible economic consequences are to be expected. The goal of this paper is to look at the alternative approa…
Recent patents and advances in hepatocyte-like cells differentiation by mesenchymal stem cells
2013
Chronic liver diseases constitute one of the main causes of death in western countries. Orthotopic liver transplantation still remains the final therapeutic approach to these diseases, but alternative therapeutic strategies are actively researched. Hepatocyte transplantation is considered a promising approach, even if this technique presents many limitations. These factors boosted the research for alternative cell sources to derive functional hepatocytes. In the last years, research on basic biology and differentiative ability of adult, embryonic and perinatal stem cells has constantly increased. The term "perinatal" indicates stem cell populations derived from foetal sources such as placen…
ESG and Asset Quality in the Banking Industry: The Moderating Role of Financial Performance
2023
Financial Intermediation in Modern Europe Time: Evidence from Romania
2018
In a world governed by complex financial and economic systems, knowing the process of financial intermediation becomes a must. We face times when the process of financial intermediation seems to change nearly as a natural phenomenon. Financial intermediation stakeholders find constantly new ways to interact on behalf of obtaining funds they need and returns they expect and manage risks they try to avoid. The article’s aim is to take a snapshot of a financial intermediation process that manifests in Europe Modern Era, specifically in one EU member like Romania, in contrast with other two EU member – Bulgaria and Croatia. In the same time, we also outline the relation between financial develo…
The changing structure of banking firms and industry: an analysis through the European banks' balance sheets
2013
This paper analyzes the changing structure of the Italian and European banking firms and industry. The main aim is to identify the fundamental changes of the underlying economics of banking through the analysis of banks’ balance sheets. In this paper, we provide evidence that commercial banks have progressively moved from traditional banking to new forms of financial intermediation. The paper discusses the implications of this changes in terms of business models of banking firms, business operations of banks, structure of the financial system and banking industry. The research points out that the role of traditional bank is in decline. It is changing the fundamentals of banking business. Ba…