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Journal articles on the topic 'Banking industry'

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Author: Grafiati

Published: 4 June 2021

Last updated: 6 September 2023

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1

KAR, ANDREAS. "Retail Banking in the Contemporary Financial Environment." JOURNAL OF SOCIAL SCIENCE RESEARCH 9, no. 1 (October 12, 2015): 1792–95. http://dx.doi.org/10.24297/jssr.v9i1.3776.

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Which challenges does the retail banking industry face nowadays? Walking on the path of M. Porters theories, the author tries to open a window in the retail bankings present and future, the challenges the industry faces, the main forces that shape the competition, the strategies deployed in order to create a competitive advantage for the industry players, and a short prognosis for the industrys future

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2

Mashoof, Hedieh, and Fataneh Alizadeh Meshkani. "Strategic positioning in banking industry: Evidence from banking industry." Management Science Letters 4, no. 8 (2014): 1715–24. http://dx.doi.org/10.5267/j.msl.2014.7.012.

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3

Moshirian, Fariborz, and Qiongbing Wu. "Banking industry volatility and banking crises." Journal of International Financial Markets, Institutions and Money 19, no. 2 (April 2009): 351–70. http://dx.doi.org/10.1016/j.intfin.2008.02.002.

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4

Goyal, Akhil, and Dr Sudhinder Singh Chowhan. "Indian Banking Industry- Customer Satisfaction." Indian Journal of Applied Research 3, no. 1 (October 1, 2011): 95–98. http://dx.doi.org/10.15373/2249555x/jan2013/38.

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5

A. SHARMILA, A. SHARMILA. "CRM in the Banking Industry." International Journal of Scientific Research 3, no. 4 (June 1, 2012): 23–26. http://dx.doi.org/10.15373/22778179/apr2014/235.

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6

G.V. Kori, G. V. Kori, and Basavaraj Huggi. "Customer Relationship Management” - In Banking Industry." Indian Journal of Applied Research 1, no. 7 (October 1, 2011): 34–36. http://dx.doi.org/10.15373/2249555x/apr2012/11.

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7

Muthu, Dr K. Marutha, and T. A. Tamilselvi T. A.Tamilselvi. "Financial Inclusion - Role Of Banking Industry." Indian Journal of Applied Research 1, no. 7 (October 1, 2011): 166–67. http://dx.doi.org/10.15373/2249555x/apr2012/55.

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8

Garg, Dr Ajay Kumar. "Banking Industry and Customer Relationship Management." Indian Journal of Applied Research 3, no. 8 (October 1, 2011): 432–34. http://dx.doi.org/10.15373/2249555x/aug2013/139.

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9

Dr.C.BALAJI, Dr C. BALAJI. "Role of Information Technologyin Banking Industry." Global Journal For Research Analysis 3, no. 8 (June 15, 2012): 21–22. http://dx.doi.org/10.15373/22778160/august2014/7.

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10

Tiwary, Bind Kumar. "Indian Banking Industry: Competition And Opportunities." International Journal of Scientific Research 1, no. 3 (June 1, 2012): 65–67. http://dx.doi.org/10.15373/22778179/aug2012/22.

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11

Albertson, Robert B. "Understanding Banking Industry Basics." AIMR Conference Proceedings 1992, no. 4 (September 1992): 7–17. http://dx.doi.org/10.2469/cp.v1992.n4.2.

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12

D, Shailaja, and Ramesh O. Olekar. "Green Banking-A Revolution in the Banking Industry." International Journal of Management Research and Social Science 7, no. 4 (January 2, 2021): 122–25. http://dx.doi.org/10.30726/ijmrss/v7.i4.2020.74023.

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13

Widyastuti, Ratna Sri, and Boedi Armanto. "BANKING INDUSTRY COMPETITION IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 4 (September 23, 2013): 401–34. http://dx.doi.org/10.21098/bemp.v15i4.433.

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This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and credit volume. Keywords: banking competition, market structure, Indonesian Banking Architecture (API).JEL Classification: C23, D40, E44, E58, G21, L11

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14

Aduaka, Uchenna, and Olawumi Dele Awolusi. "Electronic Banking and Profitability in the Nigerian Banking Industry." Information Management and Business Review 12, no. 2(I) (November 14, 2020): 20–37. http://dx.doi.org/10.22610/imbr.v12i2(i).3086.

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The primary objective of this study was to assess the impact of electronic banking on profitability in the Nigeria banking industry. An inferential survey research design was adopted. Primary data were collected through questionnaires from both staff and customers of the surveyed bank. It was complemented with secondary data sourced from the company’s audited financial statements for the period 2010 to 2017. Data collected were analyzed using both descriptive and inferential statistics while testing of the hypotheses was done using multiple regression analysis. The study revealed that cards play a significant role more than other channels and immediately followed by ATM. Also, it was observed that E-Banking channels contributed to Bank's profitability, that E-banking services (EBS) had an influence on the retention and loyalty of bank's customers and that the quality of service, security, reliability and efficiency have a definite impact on the usage of the services of e-banking. It was recommended that the Nigerian banking industry should invest more in card products, followed by ATM amongst other electronic channels; as they generate more revenues for the bank. The study also recommended further development of other channels (Mobile, Corporate Payments, POS and internet banking) to further enhance their contribution to the bank's profitability. Nigerian banks should also create a business strategy that is customer-centric by being continuously innovative in identifying the needs of their customers and improving on their products offering while developing new ones, to retain and keep the loyalty of their existing customers while attracting new ones.

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15

Tannebaum, Carl R. "The Incredible Shrinking Banking Industry." Business Economics 42, no. 4 (October 2007): 16–21. http://dx.doi.org/10.2145/20070402.

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16

Shashikala, K. "Digital disruption in banking industry." International Journal of Social and Economic Research 9, no. 3 (2019): 56. http://dx.doi.org/10.5958/2249-6270.2019.00019.9.

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17

Easa, Nasser Fathi. "Knowledge Management at Banking Industry." International Journal of Customer Relationship Marketing and Management 10, no. 2 (April 2019): 21–34. http://dx.doi.org/10.4018/ijcrmm.2019040102.

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The present research reviews the literature had been done on knowledge management (KM) in the banking industry in different countries and provides further guidelines to ensure successful implementation of KM in banks. The findings indicated that the application of KM in banks started at the World Bank in 1996 and was followed by banks in several developed countries then spread out to different places in developing counties. The majority of banks in Western developed countries such as the UK and USA, Canada and Germany, are both human- and technology-oriented in terms of managing knowledge. The majority of KM studies in developing counties were exploratory using quantitative data to investigate to what extent these banks were aware of the importance of KM and how they practiced KM. Additionally, little research had been done to link KM in banks to different topics such as innovation, customer relation management and risk management. Finally, literature provided considerable conclusion to enhance effective KM implementations in banks.

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18

a, Chanderjeet. "ORGANIZATIONAL DEVELOPMENT IN BANKING INDUSTRY." International Journal of Advanced Research 5, no. 7 (July 31, 2017): 2256–58. http://dx.doi.org/10.21474/ijar01/4968.

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19

Adjei, Elvis A., and Shanti P. Chakravarty. "Banking industry liberalisation in Ghana." Review of Development Finance 2, no. 2 (April 2012): 93–99. http://dx.doi.org/10.1016/j.rdf.2012.01.006.

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20

Gengler, Barbara. "Banking Industry Technology Secretariat (BITS)." Computer Fraud & Security 1999, no. 9 (September 1999): 8. http://dx.doi.org/10.1016/s1361-3723(00)86997-3.

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21

Sekar, Hemavathi. "Computerisation of Indian Banking Industry." Indian Economic Journal 45, no. 1 (September 1997): 146–51. http://dx.doi.org/10.1177/0019466219970112.

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22

Lin, Pei-Chien, and Ho-Chuan (River) Huang. "Banking industry volatility and growth." Journal of Macroeconomics 34, no. 4 (December 2012): 1007–19. http://dx.doi.org/10.1016/j.jmacro.2012.08.004.

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23

Miani, Stefano, and Demeh Daradkah. "The banking industry in Jordan." Transition Studies Review 15, no. 1 (July 2008): 171–91. http://dx.doi.org/10.1007/s11300-008-0168-1.

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24

Daradkah, Demeh, and Stefano Miani. "The Banking Industry in Egypt." Transition Studies Review 18, no. 1 (March 5, 2011): 65–84. http://dx.doi.org/10.1007/s11300-011-0192-4.

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25

Mentari, Nikmah, and Uni Tsulasi Putri. "Risk Mitigation of Disease Pandemic in the Indonesian Banking Industry: In Response to COVID-19." Lentera Hukum 7, no. 3 (November 23, 2020): 245. http://dx.doi.org/10.19184/ejlh.v7i3.20146.

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As an intermediary institution, the banking industry plays a critical function in the economy. Unpredictable conditions such as disease pandemic, exemplified from the unprecedented COVID-19 outbreak, result in loss to the banking industry due to the weakening of the national economy. In the future, then, the banking industry requires early preventive action for a similar case through specific risk mitigation towards disease pandemic. This paper aims to discuss the urgency of the risk mitigation towards the pandemic in the banking industry, following the risk mitigation scheme in facing the pandemic with its relevant regulation. This paper shows that the pandemic's responsive risk mitigation has become essential to strengthen the banking’s intermediary function and performance during the pandemic. The existing risk mitigation regulation solely relates to the non-performing loan in normal conditions. In the meantime, disease pandemic like COVID-19 is excluded because it is beyond the normal situation. Its adverse impact has leveraged more significant extent due to emergency conditions. In case of a disease pandemic, the bank can soon take early preventive action before the pandemic strikes within the domestic territory without waiting for central government-specific regulation, but it should. However, it remains practiced under the relevant laws. KEYWORDS: Risk Mitigation, Disease Pandemic, COVID-19, Banking Industry, Indonesia.

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26

Mentari, Nikmah, and Uni Tsulasi Putri. "Risk Mitigation of Disease Pandemic in the Indonesian Banking Industry: In Response to COVID-19." Lentera Hukum 7, no. 3 (November 23, 2020): 245. http://dx.doi.org/10.19184/ejlh.v7i3.20146.

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As an intermediary institution, the banking industry plays a critical function in the economy. Unpredictable conditions such as disease pandemic, exemplified from the unprecedented COVID-19 outbreak, result in loss to the banking industry due to the weakening of the national economy. In the future, then, the banking industry requires early preventive action for a similar case through specific risk mitigation towards disease pandemic. This paper aims to discuss the urgency of the risk mitigation towards the pandemic in the banking industry, following the risk mitigation scheme in facing the pandemic with its relevant regulation. This paper shows that the pandemic's responsive risk mitigation has become essential to strengthen the banking’s intermediary function and performance during the pandemic. The existing risk mitigation regulation solely relates to the non-performing loan in normal conditions. In the meantime, disease pandemic like COVID-19 is excluded because it is beyond the normal situation. Its adverse impact has leveraged more significant extent due to emergency conditions. In case of a disease pandemic, the bank can soon take early preventive action before the pandemic strikes within the domestic territory without waiting for central government-specific regulation, but it should. However, it remains practiced under the relevant laws. KEYWORDS: Risk Mitigation, Disease Pandemic, COVID-19, Banking Industry, Indonesia.

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27

Ali, Mohammed, and Xu Feng Ju. "The Antecedents of Information System Success in The Banking Industry." INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE AND BUSINESS ADMINISTRATION 5, no. 5 (2019): 43–58. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.55.1005.

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The transformation of various organizations into an innovative technology, specifically, information system (IS), should have a positive impact the flow of work procedure within the banking industry. The main aims of this study is to recognize the success of banking systems from users’ perspective, who work in banking industries. This study is motivating due to the rapid growth of applying IS in the banking industry’s in developing countries such as Sudan which is require more evaluation. In this study, the DeLone and McLean (D&M) model applied as one of the major models that assess the success of IS. The proposed model consist of six constructs include system quality (SYQ), information quality (INQ), service quality (SVQ), system use (SU), user satisfaction (UST), and net benefits (NBs). The results of the study support and confirm that there are significant relationships among the success variables. All relationships of study hypotheses supported, except the relationship between SYQ and UST, as well as between SVQ and SU. The discussion and empirical evidence presented can assist the Sudanese banking industry to improve and fully utilize the possibility of banking information systems as a new tool for banking information evaluation purposes.

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28

Al Arif, Mohammad Nur Rianto, and Rahmi Rahmawati. "Macroeconomic Variables and Profitability in the Indonesian Islamic Banking Industry." El-Barka: Journal of Islamic Economics and Business 4, no. 1 (June 9, 2021): 1–17. http://dx.doi.org/10.21154/elbarka.v4i1.2778.

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Profitability level is one of performance indicator in banking industry, including the Islamic banking industry. The purpose of this study is to analyse the short-run and long-run impact of macroeconomics variables to profitability in the Indonesian Islamic banking industry. The method that used in this paper is vector error correction models (VECM). The variables that used in this paper are industrial production index, inflation, exchange rate, the Bank Indonesia’s rate, and stock exchange composite index. The result shows that in the long-run, all of the macroeconomics variables affect significantly in profitability level. In the short-run, all macroeconomics variables do not impact the profitability. This result implies that the macroeconomics variable had a time-lag to affect the profitability in the Indonesian Islamic banking industry. Salah satu indikator kinerja dalam industri perbankan termasuk industri perbankan syariah adalah tingkat profitabilitas. Tujuan dari penelitian ini ialah untuk menganalisis pengaruh variabel makroekonomi terhadap profitabilitas di industri perbankan syariah, baik dalam jangka pendek maupun jangka panjang. Metode yang dipergunakan dalam artikel ini ialah model vektor koreksi kesalahan. Variabel yang dipergunakan ialah indeks produksi industri, inflasi, nilai tukar, tingkat bunga Bank Indonesia, dan indeks harga saham gabungan. Hasil penelitian menunjukkan bahwa seluruh variabel makroekonomi berpengaruh dalam jangka panjang terhadap tingkat profitabilitas. Sedangkan, dalam jangka pendek seluruh variabel makroekonomi tidak berpengaruh terhadap tingkat profitabiltas. Hasil ini memberikan implikasi bahwavariabel makroekonomi memiliki jeda waktu untuk memengaruhi tingkat profitabilitas pada industri perbankan syariahdi Indonesia.

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29

Abaidoo, Rexford, and Elvis Kwame Agyapong. "Banking industry stability and investment dynamics." Journal of Financial Regulation and Compliance 30, no. 2 (November 30, 2021): 215–39. http://dx.doi.org/10.1108/jfrc-06-2021-0049.

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Purpose This paper aims to evaluate how strands of differing investments influence stability in the banking industry using data from 37 countries in Sub-Sahara Africa from 2000 to 2018. Design/methodology/approach Empirical analyses in the study were carried out using a two-step system Generalized Method of Moments estimation methodology. Findings Empirical results suggest that generally, growth in investments by governments, foreign investments and private domestic investments have a significant positive impact in stabilizing the banking industry. The empirical estimates further suggest that macroeconomic conditions such as macroeconomic uncertainty adversely affects the liquid reserve position of banks even during periods of appreciable growth in investments. Originality/value The authors present a different approach to the banking industry discourse. Instead of surmise the relationship with the direction of impact often emanating from the banking industry to other variables of interest or conditions, this study rather examines how investment dynamics among economies influence the stability of the banking industry overtime. In contrast to related studies, this study examines how strands of investment variables influence the stability of the banking industry. Specifically, this study is modeled to examine the extent to which variability in investment growth (using different investment variables) affect stability in the banking industry.

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30

Ayeni, Akintunde, Oloruntoba David, and Arandong Jamok. "INTERNET BANKING AND FINANCIAL INTERMEDIATION IN THE NIGERIAN BANKING INDUSTRY." International Journal of Operational Research in Management, Social Sciences, and Education 8, no. 1 (2022): 45–62. http://dx.doi.org/10.48028/iiprds/ijormsse.v8.i1.04.

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The acceptance and deployment of internet banking service is expected to improve financial intermediation banking system by reducing cost of transactions, enhancing liquidity and increased financial intermediation. However, this is a far cry to what is being experienced in the Nigerian banking industry, as credit flow from banks have been on the decline. It has been revealed that the total credit from banks to the economy recorded a decline of #135.8bn from #15.74tn at the end of the fourth quarter of last year to #15.6tn in the first three months of 2020. These revelations suggest that Nigeria’s economic growth trajectory has been diminutive, as individuals have found it difficult to have access for either start-up or expansion of their businesses from banks. On this premise, this study was carried out to investigate the effect of internet banking on financial intermediation. In a clear departure from existing literature, the study factored in the moderating effects of interest rate and cash reserve ratio, which hitherto has been identified as key impediments to bank intermediation. Data was collected from 2009 to 2020 on monthly bases from the Central Bank of Nigeria (CBN) for the variables; financial intermediation (measured as ratio of currency outside banks to broad money supply), interest rate, cash reserve ratio and internet banking service for all commercial banks in Nigeria. Linear Regression models were formulated to achieve the stated objectives. Findings revealed that internet banking service has a negative insignificant effect on financial intermediation, the interaction between internet banking and interest rate has a positive insignificant effect on financial intermediation while the interaction between internet banking and cash reserve ratio has a negative insignificant effect on financial intermediation. It was recommended among others that the Central bank of Nigeria should make efforts to alleviate the cost of internet banking borne by banks. This will certainly reduce the burden on banks and make more money available for intermediation.

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31

Arif, Mohammad Nur Rianto Al, and Uut Tri Cahyani. "Branchless banking and profitability in the Indonesian Islamic banking industry." Jurnal Ekonomi & Keuangan Islam 7, no. 2 (2021): 154–60. http://dx.doi.org/10.20885/jeki.vol7.iss2.art4.

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32

Bukhari, Syed Asim Ali, Fathyah Hashim, and Azlan Amran. "The Journey of Pakistan’s Banking Industry Towards Green Banking Adoption." South Asian Journal of Business and Management Cases 9, no. 2 (February 21, 2020): 208–18. http://dx.doi.org/10.1177/2277977920905306.

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Green Banking adoption has gained momentum in the past few decades in both the developed and developing economies. The green movement in the banking sector has been triggered due to its potentially adverse role in global natural environmental degradation and natural resource depletion. A number of banking operations have the potential to harm the natural environment, both directly and indirectly. Due to this, many countries have started working on greening their banking sectors. Pakistan is among the top countries threatened by climate change, environmental degradation and resource depletion. The country is currently at the initial stages of Green Banking adoption. This case study follows the Green Banking adoption journey of Pakistan’s banking industry in light of the obstacles faced, milestones achieved and the learning outcomes for the other developing countries struggling from environmental degradation. This case study can serve as a learning tool for the regulatory authorities and other concerned stakeholders of developing economies in need of Green Banking adoption.

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33

Morris, Theresa. "Branch Banking and Institutional Racism in the U.S. Banking Industry." Humanity & Society 32, no. 2 (May 2008): 144–67. http://dx.doi.org/10.1177/016059760803200204.

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34

Johar, R. S., and D. Suhartanto. "The Adoption of Online Internet Banking in Islamic Banking Industry." IOP Conference Series: Materials Science and Engineering 662 (November 20, 2019): 032032. http://dx.doi.org/10.1088/1757-899x/662/3/032032.

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35

Le, Long Hau, Truong An Duong, and Tan Nghiem Le. "Banking Competition and Efficiency: The Case of Vietnamese Banking Industry." International Journal of Financial Research 11, no. 2 (March 16, 2020): 453. http://dx.doi.org/10.5430/ijfr.v11n2p453.

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This paper is to investigate the impact of competition on the efficiency of the banking industry in Vietnam. Data are collected from the audited annual financial statements and the annual reports of 30 commercial banks during the period of 2010 – 2017. Lerner index is used to measure the market power of bank, while Data Envelope Analysis is employed to estimate the technical efficiency of bank. The impact of competition on the operational efficiency of commercial banks is estimated by Panel Vector Autoregressive model (PVAR). The empirical results seem to indicate that there is a positive impact of competition on the bank efficiency, which is in line with the “quiet-life” hypothesis. However, the statistical test does not confirm this at the traditional levels. Interestingly, the empirical results demonstrate a negative impact of bank efficiency on the market power of bank, and hence market competition. While this result shares the causality dimension with the “efficient structure” hypothesis, it presents an opposite sign on the causality. All these findings could be explained by the real situations and typical characteristics of the economy of Vietnam. This study has important implications for both researchers and practioners.

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36

Jamshidi, Dariyoush, Nazimah Hussin, and Fatemeh Darougheh Hazrati. "Islamic Banking Scheme : A New Silver Bullet in Banking Industry." Nigerian Chapter of Arabian Journal of Business and Management Review 3, no. 4 (2015): 39–44. http://dx.doi.org/10.12816/0014510.

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37

Amalia, Fitri, and Mustafa Edwin Nasution. "PERBANDINGAN PROFITABILITAS INDUSTRI PERBANKAN SYARIAH DAN INDUSTRI PERBANKAN KONVENSIONAL MENGGUNAKAN METODE STRUKTUR KINERJA DAN PERILAKU." Jurnal Ekonomi dan Pembangunan Indonesia 7, no. 2 (January 1, 2007): 159–79. http://dx.doi.org/10.21002/jepi.v7i2.159.

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Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxyfor efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product differentiation can improve market share, and industry that consist of the company has tendency to be concentrated. This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficient. If it is proven, so there is no relationship between market share and concentration with profitability. it is appropriate with efficient structure hypothesis. Using pool data for Islamic and conventional banking industiy at period January 2002 until November 2005. Model that had been used in this research is adjusted Smirlock model with fixed effect method From this research, is hoped that Islamic banking industry can support efficient structure hypothesis, moreover conventional banking industry can support differentiation hypothesis.

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38

Putri Tika, Tri. "Determinants оf Profitability оf the Islamic Banking Industry in Indonesia." Modern Economics 31, no. 1 (February 20, 2022): 124–34. http://dx.doi.org/10.31521/modecon.v31(2022)-17.

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Abstract. Introduction. The indicator in the assessment of banking performance is the bank's ability to generate profits or profitability. Profitability is the bank's ability to generate profits from its capital and assets. The level of effectiveness of the bank in seeking or earning a profit can be seen from the income of an investment obtained from the sale or the banks' performance to earn a profit by measuring the level of profitability ratios in seeking profit. Purpose. This study aims to analyze the performance of Islamic banking in terms of profitability and the influence of Bank Size, Operational Efficiency, Market Share, Liquidity, Liquidity Risk, Net Operation Margin, and Giro Wajib Minimum on Profitability Islamic Banking Industry in Indonesia during the 2015-2020 period. Results. (1)The majority of banks have a low ROE value which means that most Islamic banks in Indonesia have low profitability (2) The size of Islamic banking and Operational Efficiency has a negative and significant effect on the profitability of Islamic banking (3) Market Share, Liquidity, Liquidity Risk and minimum statutory reserves positive and significant effect on profitability (3) Net Operation Margin has a positive and insignificant effect on the profitability of Islamic banking. Conclusions. Bank size, operational efficiency, market share, liquidity, liquidity risk, net operation margin, a minimum statutory reserve has a significant effect on the profitability of the Islamic banking industry in Indonesia. Liquidity, liquidity risk, net operation margin, statutory reserves have positive effects on the profitability of the Islamic banking industry in Indonesia.

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39

Hassan, M. Kabir, William J. Hippler, and Walter Lane. "U.S. community banking performance." Corporate Ownership and Control 13, no. 1 (2015): 1150–65. http://dx.doi.org/10.22495/cocv13i1c10p3.

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Community banking plays an important role in financial intermediation in the United States, especially in the context of providing financing in smaller, rural markets and for small businesses. However, recent trends in regulation, the economic environment, and industry practices have led to a significant decline in the amount of FDIC-chartered institutions that qualify as community banks. In addition, the share of community-bank-held assets in the United States is declining as well. The decline of the community banking industry has significant implications for the efficiency and growth of the real economy, as larger banks may not be able to serve the community banking demographic as efficiently. In this study, we develop a dataset that allows us to analyze banking data collected from all FDIC-charted institutions and published by the FDIC. We use this data to analyze the community banking industry in the U.S. We are able to report the trends, strengths, and weakness of the community banking industry for the past twenty years. In addition, we develop two sets of community banking indexes meant to assess the relative and nominal changes in the strength of the community banking industry. One set of indicators simply measure market share, while others are composite community banking indexes that represent a unique contribution to the analysis of the industry. Finally, we analyze developments in the community banking industry across the tenures of the past three FDIC Chairs, which can provide context and guidance with respect to the perspective of key regulatory officials on community banking issues. Analysis of the data shows that the community banking industry is declining in the United States. Our Community Bank Momentum Index (CMOM) shows that, on a nominal basis, the community banking industry has experienced some growth; however, our Community Banking Relative Growth Index (CRGI) shows that community banks have been weakening, relative to non-community banks.

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40

Mehdiabadi, Amir, Vahid Shahabi, Saeed Shamsinejad, Mohammad Amiri, Cristi Spulbar, and Ramona Birau. "Investigating Industry 5.0 and Its Impact on the Banking Industry: Requirements, Approaches and Communications." Applied Sciences 12, no. 10 (May 19, 2022): 5126. http://dx.doi.org/10.3390/app12105126.

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Technology, along with political and economic factors, is one of the main drivers of the future of banking. Banking managers urgently need to know technological trends to make strategic decisions, know the future accurately, and make the most of existing opportunities. Industry 5.0 is the dream of modern banking, based on strategies for successful entry into the field in a completely different way. Using a complex literature survey, 49 indicators were identified to enter Industry 5.0 and were classified into three categories of insignificant indicators, essential indicators, and very necessary indicators. Then, based on the opinions of 10 experts from ten countries with modern banking in the world, the researchers focused on 14 essential indicators. To analyze the drawn space, structural-interpretive modeling and MICMAC analysis were used and the model was classified into nine levels. The results showed that low-level indices are the most influential (TMBE and HEMS) and higher-level indices are the most influenced (PZM and RNC). Finally, researchers analyzed how to use new technologies in the banking industry with the entry of the Industry 5.0 and revealed what the characteristics of the impact of these indicators on entering Industry 5.0 are.

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Sharma, Pankaj, and Varun Chaturvedi. "Determinants of Growth - Indian Banking Industry & Auto Industry." Management Dynamics 6, no. 2 (April 26, 2022): 27–38. http://dx.doi.org/10.57198/2583-4932.1207.

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Alfathin, Akmal, and Tettet Fitrijanti. "ANALISIS KINERJA INDUSTRI PERBANKAN SYARIAH DENGAN PENGUKURAN TOTAL ASET PADA BANK SYARIAH YANG MENGUNGKAPKAN DANA ZAKAT DAN KEBAIKAN." Review of Accounting and Business 1, no. 1 (December 19, 2020): 18–34. http://dx.doi.org/10.52250/reas.v1i1.332.

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This research was conduct to examine the effect of compilation party funds (DPK), Financing to Deposit Ratio (FDR), zakat funds and benevolence funds on total assets of Islamic banking and to see the contribution of the Islamic banking industry to the national banking industry by employing the random effect model method and analysis of secondary data processing. This research uses a five-year (2014-2018) of Islamic banking. The result of random effect model shows that influence simultaneously variable to Total asset Islamic banking. The secondary data processing show contribution From Islamic banking industry to the national banking industry of 4%.

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Kim, Long, and Teerasak Jindabot. "Evolution of customer satisfaction in the e-banking service industry." Innovative Marketing 18, no. 1 (March 1, 2022): 131–41. http://dx.doi.org/10.21511/im.18(1).2022.11.

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Since several commercial activities such as banking, shopping, transfers, and payments had been conducted online, many banks in Cambodia provided e-banking services to their customers to support these activities. Meanwhile, if the banks could provide such e-banking services to satisfy their customers’ needs, they could maintain their customers and profits. Thus, finding the main factors influencing customer satisfaction in the e-banking service industry is significant. Therefore, the objective of this paper is to investigate how customer satisfaction develops through examining the impacts of perceived risk (financial risk and performance risk) and perceived value on customer satisfaction in the e-banking. This study applied convenience sampling to get data from the respondents at convenient locations (near banks, markets, supermarkets, universities, and workplaces). 700 respondents who were currently using mobile banking or internet banking services at either commercial or retail banks in Cambodia were invited to fill in the questionnaires. In addition, the results of this study were generated through structural equation model (SEM) analysis based on 546 valid responses. The results revealed that perceived value was mainly influenced by performance risk, whereas financial risk did not significantly affect perceived value. Finally, perceived value and performance risk significantly influenced customer satisfaction, except financial risk. In addition, despite both perceived value and performance risk significantly influencing customer satisfaction, promoting customer satisfaction through increasing perceived value was far more effective than minimizing performance risk.

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Hasan, Hasan. "ANALISIS INDUSTRI PERBANKAN SYARIAH DI INDONESIA." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 1, no. 1 (February 7, 2012): 1. http://dx.doi.org/10.14710/jdep.1.1.1-8.

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The current development of Islamic banking industry in Indonesia is rapidly growing. This article analyzes the Islamic banking industry in Indonesia using Porter’s five-forces competitive industry approach. Each of the power industry are discussed. The conclusion indentifies Islamic banking industry conditions that need to be considered.

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Manser Payne, Elizabeth, James W. Peltier, and Victor A. Barger. "Mobile banking and AI-enabled mobile banking." Journal of Research in Interactive Marketing 12, no. 3 (August 13, 2018): 328–46. http://dx.doi.org/10.1108/jrim-07-2018-0087.

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PurposeThe rapid growth of technology, including artificial intelligence (AI), in the banking industry has played a disrupting role in traditional banking channels. This study aims to investigate factors that influence the attitudes and perceptions of digital natives pertaining to mobile banking and comfort interacting with AI-enabled mobile banking activities.Design/methodology/approachData were collected from 218 digital natives. This paper uses multivariate regression and two separate multiple regression analyses to examine the differential effects of technology-based (i.e. attitudes toward AI, relative advantage, perceived trust and security in specific mobile banking activities) and non-technology based (i.e. need for service, quality of service) factors on mobile banking usage and AI-enabled mobile banking services.FindingsThis study identifies determining factors for mobile banking and AI-enabled mobile banking services. Results indicate a divide in how digital natives perceive relative advantage between our two dependent variables. Consistent with previous studies, the relative advantage construct has the most impact on mobile banking usage. However, relative advantage was not significant for AI-enabled mobile banking, suggesting an extra layer of complexity that goes beyond convenient fast banking.Research limitations/implicationsA limitation of this study is that it does not incorporate age groups outside of digital natives. Further research is needed to test for differential effects between age groups. In addition, the discovery of no significant impact of relative advantage on AI mobile banking warrants more research on the similarities and differences between mobile banking and AI-enabled mobile banking.Practical implicationsTo better appeal to digital natives, it is suggested that the banking industry emphasize mobile banking’s anywhere/anytime access to financial accounts, as this is important to college-age customers who may not live near their local banking institution. Moreover, the paper suggests that improvement to mobile banking features for one-on-one interpersonal contact with bank employees is needed.Originality/valueThis study addresses the gap in the understanding of how digital natives perceive mobile banking in comparison to AI-enabled mobile banking services.

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Untari, Dhian Tyas, and Budi Satria. "Konsep Etika dan Estetika Dalam Meningkatkan Service Quality Perbankan; Sebuah Kajian Literatur." Jurnal Kajian Ilmiah 20, no. 3 (September 30, 2020): 231–36. http://dx.doi.org/10.31599/jki.v20i3.299.

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Demand of bank services is increasingly day by day, and in outher way, competition of banking industry also rigorous. And it made banking industry more colerfull than before. Product feature and fast, easy also save services is a key of successful competition in baking industry. To invent product and excellence service quality is related to how we can improve our human resources. Every human resources must understand about professional ethic and aesthetics of behavior. That is very important for them because they alweys having interaction with bank customer. This is a conceptual paper that will discribe the relation between ethic, aesthetics and service quality in banking industry. And expected this paper will give a new discourse to develop banking industry in Indonesia by increasing competitiveness of humand resourses Key words : Ethic, aesthetics, service quality Abstrak Permintaan jasa bank semakin hari semakin hari, dan di luar itu persaingan industri perbankan juga semakin ketat. Dan itu membuat industri perbankan lebih penuh warna dari sebelumnya. Fitur produk dan layanan yang cepat, mudah juga menyimpan adalah kunci dari persaingan yang sukses di industri kue. Menemukan kualitas produk dan layanan yang prima berkaitan dengan bagaimana kita dapat meningkatkan sumber daya manusia kita. Setiap SDM harus memahami tentang etika profesi dan estetika perilaku. Itu sangat penting bagi mereka karena mereka selalu berinteraksi dengan nasabah bank. Ini adalah makalah konseptual yang akan menggambarkan hubungan antara etika, estetika dan kualitas layanan di industri perbankan. Dan diharapkan tulisan ini dapat memberikan wacana baru untuk mengembangkan industri perbankan di Indonesia dengan meningkatkan daya saing sumber daya manusia Kata kunci: Etika, estetika, kualitas pelayanan

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Gulzar, Rosana, Mansor H. Ibrahim, and Mohamed Ariff. "Islamic Banks: History, Stability and Lessons from Cooperative Banking." Jurnal Institutions and Economies 13, no. 3 (July 1, 2021): 1–26. http://dx.doi.org/10.22452/ijie.vol13no3.1.

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Islamic banking’s profit-maximising fervour, building upon the use of interest-resembling products, has raised concerns about its Shariah authenticity and financial stability. While early Islamic economists envisioned an industry built on values of mutuality and participation, architects of Islamic banking have chosen to replicate interest-based conventional banking for the purpose of fast growth. This study has two objectives. First, to narrate the history of Islamic banking, from the theories postulated to the beginnings of the industry. This builds an understanding of why ‘Islamic’ banking operates as it does currently, which has implications for Shariah compliance and financial stability. It is suggested that the mimicking of conventional banks may cause instability since unlike commercial banks, ‘Islamic’ banks face Shariah constraints. This leads to the second objective, which is to analyse the cooperative banking model, which has been described as the closest theoretical model to Islamic banking. Specifically, this study focuses on the model in Europe which, despite its challenges, has managed to silence critics in the way it contributes to communal welfare and financial stability, especially during credit crunches when commercial banks are known to retreat from markets. This first study of a functioning cooperative banking model, in the context of Islamic banking, may thus offer lessons for Islamic banking reform.

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Chukwudi, Oparah Felix, and James Tumba Henry. "Monetary Policy and Financial Stability in the Nigerian Banking Industry." International Journal of Financial Research 11, no. 1 (October 10, 2019): 82. http://dx.doi.org/10.5430/ijfr.v11n1p82.

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This study examined the impact of monetary policy on financial stability in the Nigerian banking industry for the period 2008Q1 to 2016Q2, using an error correction model. Banking industry financial stability index (BIFSI) was computed within the study and was used as a measure of financial stability in the Nigerian banking industry. The study discovered that the impact of monetary policy on financial stability in the Nigerian banking industry was weak. It also revealed a significant long run equilibrium relationship between monetary policy and financial stability in the Nigerian banking industry with a speed of adjustment to long run equilibrium of 66.54%. It was concluded that open market operation and exchange rate channels are more effective channels of transmitting monetary policy to financial stability in the banking industry, than interest rate channel.

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Liem, Christina. "Enterprise Risk Management In Banking Industry." Firm Journal of Management Studies 3, no. 1 (April 25, 2018): 1. http://dx.doi.org/10.33021/firm.v3i1.381.

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<p>Enterprise Risk Management (ERM) in banking industry is a rare topic in academic research, even though ERM implementation becomes new regulation from the banking regulators since year 2014. The purpose of this study is to examine ERM implementation during the early stage of the ERM implementation regulation in Indonesian, especially its impact towards bank performance and vice versa. This study focuses on all 4 (four) state-owned commercial banks in Indonesia though a descriptive explanatory study and data panel GLS simple regression by STATA MP-64. This study employs ERM Index (Gordon et al, 2009) as a proxy of ERM implementation; and bank performance is presented by 3 (three) proxies: NIM, ROAA, and EM. The findings show that 75% of state-owned commercial banks have positive ERM Index, and also, they have the different maturity stage of ERM implementation. Moreover, this study identifies that ERM Index has positive significant impact towards ROAA and vice versa; ERM Index has positive but insignificant impact towards NIM and vice versa; and ERM index has positive but insignificant impact towards EM. As a conclusion, this study proposes to all commercial banks in Indonesia should implement ERM seriously implement because it has been proven that ERM implementation delivers positive impact towards bank profitability and it transmits a positive signal to shareholders.</p>

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Giolongo, Martín Leandro Dutto, and Patricia Guadalupe Gomila. "Productive efficiency in the banking industry." Risk Governance and Control: Financial Markets and Institutions 6, no. 3 (2016): 74–79. http://dx.doi.org/10.22495/rcgv6i3art11.

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The goal of this paper is to estimate the productive efficiency of Argentine banks. For this purpose, panel data of the universe of banks under the supervision of the Central Bank of the Republic of Argentina (BCRA) has been collected. In order to build the bank´s indicators, we used a database of 66 institutions, with annual information for the period 2009-2013. The sources of information were both the BCRA´s web site (www.bcra.gov.ar), and the Buenos Aires Stock Exchange´s web site (www.bolsar.com). It has been selected an efficiency indicator ranging between 0 and 1, meaning the lowest and highest level of efficiency, respectively. The concept of efficiency used here is a relative one, because it considers a Bank´s performance in relation to the behavior of the best players in the industry, being the latter the base of the industry benchmark or frontier. The results show that the mean efficiency of Argentine banks is 0,8277 in the specific period under consideration. The comparison with the results of other studies relating efficiency and competitive pressure, didn´t allow us to infer that the Argentine banking industry experienced in the period a high level of competition.

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