Search results for "banking"
showing 10 items of 282 documents
Market Environment Factors Influence on Development of Bancassurance in Latvia
2021
Banks and insurers as part of financial service industry engage in partnership under the concept of Bancassurance. Several studies are done on this topic, focusing on economies of scale and performance of most Bancassurance common models. The purpose of this study is to identify the key market environment factors that influence the development of Bancassurance for retail banks in Latvia and the level of increase. Aim of this research is to analyse – how market environment factors influence the development of Bancassurance in Latvia. The current paper is focused on the Latvian market where several Bancassurance models are present as we test our propositions by interviewing management represe…
Evaluation of Banking Digitization Policy of Romanian Commercial Banks
2018
Nowadays, even in Romania, we faced with process of digitalization of financial system, especially of banking system. Natural person—banks relationships are more and more distant as location, but more and faster as financial transaction results, because of banking digitalization process based on performance of internet era. The paper’s aims are to answer to questions like: Are Romanian past, actual and future generations prepared to be fully integrated in banking digitalization process? Do Romanian natural person understands the usefulness and benefits of digital banking services/? Or, how benefits of Romanian commercial banks are changing? The methodological support includes analyzing empi…
Risk management in the banking industry
2016
El negocio bancario está altamente regulado porque las instituciones financieras captan ahorro público y tienen riesgos específicos y complejidades que hacen que sus estados financieros sean opacos y difíciles de analizar por el público en general (Petrella y Resti, 2013; Morgan, 2001). Para entender y monitorear los riesgos específicos en las empresas del sector financiero, el regulador estadounidense diseñó el sistema de evaluación CAMELS, que es comúnmente utilizado por los reguladores de todo el mundo para evaluar la solidez de las instituciones financieras y para evaluar el nivel de riesgo de los bancos (Office of the Comptroller of the Currency, 2013). Los riesgos que este enfoque eva…
Examining key drivers of consumer experience with (non-financial) digital services : An exploratory study
2020
Recent advancements in the field of mobile information systems have transformed the consumer lifestyle as well as have changed the digital service landscape globally. This exploratory study identifies and describe key marketing drivers of consumer experience with non-financial transactions available on mobile banking apps. Data were gathered using semi-structured in-depth interviews from 12 respondents in Finland during March and April 2019. The qualitative analysis of the interview transcripts revealed three emerging themes i.e. the mobile banking app experiences and sustained usage of mobile banking apps are largely affected by consumers’ level of knowledge (consumer awareness), usefulnes…
Ethical Versus Conventional Banking: A Case Study
2018
The 2008 financial crisis has changed the structure of banking, generating public distrust in the conventional financial system. An alternative has emerged as a result of this lack of confidence. This alternative is known as ethical banking. A growing number of investors, asset managers, and financial intermediaries have incorporated sustainability considerations into their business practices. This paper discusses the origins of ethical banking and describes its primary characteristics. The goal is to determine whether ethical banking can be as profitable as conventional banking despite only investing in projects based on social values. A comparative analysis is performed to identify differ…
"IL RUOLO DELLE BANCHE LOCALI NEI PROCESSI DI INTERNAZIONALIZZAZIONE DELLE PMI MARCHIGIANE"
2008
Questo lavoro contiene un'analisi empirica per valutare il grado di diffusione nell'operatività delle banche operanti nella Regione Marche, dei prodotti/servizi finanziari avanzati per facilitare una maggiore visibilità delle PMI nei mercati internazionali. L'analisi delle componenti di offerta è stata effettuata tramite la somministrazione di un questionario di un questionario contenuto in un lavoro precedentemente pubblicato dall’ABI a cura del Prof. Fabrizio Onida che però aveva come oggetto di riferimento non soltanto piccole banche ma anche filiali estere di banche commerciali locali, banche estere, intermediari finanziari non bancari (ad esempio società internazionali di leasing e fac…
Corporate governance mechanisms and performance in the Islamic banking industry
2018
El objetivo de este proyecto de investigación es arrojar luz sobre las relaciones entre algunas características del Gobierno Corporativo (GC) en la banca Islámica y su desempeño. En primer lugar, las instituciones financieras Islámicas han experimentado una alta tasa de crecimiento durante las últimas décadas. En segundo lugar, en las últimas décadas se ha producido un giro de intereses puramente financieros hacia intereses más inclusivos que comprendan valores relativos a la diversidad, a la sostenibilidad y a la responsabilidad social. En tercer lugar, hay necesidad de explorar las causas de la reciente crisis financiera global, que en muchos países alcanzó proporciones sistémicas. En cua…
Jautājumu veidi uzņēmumu mājas lapās
2018
Uzņēmumiem mājaslapas ir nozīmīgs komunikācijas kanāls, kas klientiem ļauj uzzināt nepieciešamo informāciju visā mājaslapā vai ‘Biežāk uzdotie jautājumi’ un ‘Palīdzība’ sadaļās, kur atrodamas atbildes uz dažādiem jautājumiem. Pētījuma mērķis bija veikt jautājumu analīzi un salīdzināt to lietojumu mazumtirdzniecības un banku mājaslapās. Izpētes procesā tika pielietota diskursa analīze. Rezultāti norāda, ka banku mājaslapas satur vairāk jautājumu nekā mazumtirdzniecības mājaslapas, tomēr noteikta veida jautājumi – wh-/how jautājumi, plašais modālo palīgdarbības vārdu can un will, kā arī tagadnes laika lietojums jautājumu formēšanā bija līdzīgas valodu iezīmes abu sfēru mājaslapās. Var secināt…
Le BCC e la crisi internazionale: un’analisi comparata per macro regioni
2014
La crisi nanziaria internazionale, che ha assunto connotati maggiormente strutturali a partire dal 2009, ha prodotto e etti disomogenei sulle performance delle banche di credito cooperativo italiane, manifestandosi con maggiore intensità sulle BCC operanti nel Sud Italia. La crisi nanziaria ha messo a nudo talune fragilità endogene, riconducibili essenzialmente al ristretto ambito di operatività, alla carenza di competenze in comparti di attività diversi dall’intermediazione creditizia tradizionale, nonché all’orientamento quasi esclusivo verso la clientela di piccole dimensioni. Per contrastare gli e etti della crisi globale appare necessario un processo di innovazione che passi attra…
Growing Like Germany: Local Public Debt, Local Banks, Low Private Investment
2021
The paper uses a panel of more than 1m German firms over 2010-2016, to provide the first firm-bank level evidence of local crowding out for a developed economy characterized by low interest rates and fiscal austerity. Our mechanism relies on two structural features of Germany's banking landscape: the local segmentation of credit markets for small and medium-sized firms (SME) and the role of local public banks in local public finance. Local public banks dominate lending to small and medium firms in Germany and also have an explicit mandate to lend to the local public sector. With spreads on local government debt at all-time lows, local public banks tried to break even, using their market pow…