Journal articles on the topic 'BANKING SECTOR PERSPECTIVE'
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Tsaurai, Kunofiwa. "Banking sector development and foreign direct investment. A case of Botswana." Risk Governance and Control: Financial Markets and Institutions 4, no. 3 (2014): 44–50. http://dx.doi.org/10.22495/rgcv4i3art5.
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The study investigates if there is a causality relationship between banking sector development and FDI inflows in Botswana. Though quite a number of authors have written on the subject, there appears to be no consensus on the directional causality between banking sector development and FDI inflows into the host country. At the moment, three dominant perspectives exist regarding the relationship between banking sector development and FDI inflows into the host country. The first perspective says that banking sector development attracts FDI inflows into the host country. The second perspective suggests that there is a positive feedback effect between banking sector development and FDI inflows whilst the third perspective maintains that there is no direct causality relationship between the two variables. The results from this study are consistent with the third perspective that says there is no direct causality relationship between banking sector development and FDI net inflows. This confirms that the long run relationship between banking sector development and FDI net inflows is an indirect one and the two set of variables affect each other indirectly through other factors in Botswana.
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Murad, Muhammad, Azhar Bhatti, Abou Bakar, Rashid Ahmad, and Ali Junaid Khan. "Exploring the Relationship between Effective Management & Social Equity: A CSR Perspective." Journal of South Asian Studies 10, no. 1 (April 30, 2022): 103–11. http://dx.doi.org/10.33687/jsas.010.01.4180.
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The objective of this study is to identify the role of effective management in social equity in the micro-finance banking sector of Pakistan. It is understood that in the micro-finance banking sector, the deficiency of effective management is reported and it is creating hurdles in the way of promoting social equity in the banking sector. This study was based on the primary data collected on a five-point Likert questionnaire. The target population for this study was the employees and customers of the micro-finance banking sector of South Punjab. The results of this study demonstrate that there is a critical role for effective management to ensure the implementation of social equality practices in the banking sector to improve the loyalty of customers and the performance of the organization. This study fills in the gaps in the literature about the micro-finance banking sector by showing how corporate social responsibility, non-discrimination, and social awareness work together to create social equity.
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Singh, Naib. "M-Banking: Perspective in Indian Business." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 1, no. 1 (January 31, 2015): 104–7. http://dx.doi.org/10.53555/nnbma.v1i1.147.
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Mobile banking in India is gaining more and more popularity in the present scenario. India is occupying the position of second largest mobile market in the world after China. The major finding of the study is that the future of mobile banking in India will be bright and certainly be more helpful in the development of banking sector. Our country is having vast access of mobile phone services as compared to developed European countries. In the year 2013 22.51 million people were using these services. The objective of the anytime banking can easily be obtained by mobile banking.
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Iyamu, Tiko, and Nontobeko Mlambo. "Actor-Network Theory Perspective of Robotic Process Automation Implementation in the Banking Sector." International Journal of Information Technologies and Systems Approach 15, no. 1 (January 1, 2022): 1–17. http://dx.doi.org/10.4018/ijitsa.304811.
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Banking institutions are increasingly exploring ways of improving service delivery rather than the extreme focus and obsession of financial profitability. This has led to localising the internationality of solutions through the implementation (adoption and practice) of Robotic Process Automation (RPA), to advance service delivery. However, the uniqueness of environmental culture, and the critical roles of human actors increase challenges in some banking institutions. Consequently, the adoption of RPA poses a challenge, different from the many norms, which some banks encounter. In some institutions, this is fundamental and disruptive, and questionable to human development. This study explores the challenge by following the actors using the interpretivist approach, from actor-network theory perspective (ANT). From the analysis, five fundamental factors were found to be essential to banking institutions’ operations in their quest to implement RPA. The findings provide fresh perspectives and a mixed trajectory to the adoption of RPA, from the South African banking institutions’ context.
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Noreen, Umara, Attayah Shafique, Zaheer Ahmed, and Muhammad Ashfaq. "Banking 4.0: Artificial Intelligence (AI) in Banking Industry & Consumer’s Perspective." Sustainability 15, no. 4 (February 16, 2023): 3682. http://dx.doi.org/10.3390/su15043682.
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The simulation of human intelligence in machines, called Artificial intelligence, has risen, and plays an important role in the new banking era. The present study aims to discuss the consumer’s perspective on artificial intelligence’s adoption in Asian countries. The questionnaire was developed and distributed to collect data from five Asian countries (Pakistan, China, Iran, Saudi Arabia, and Thailand). The total useable responses were 799. The results showed that the factors (awareness, attitude, subjective norms, perceived usefulness, and knowledge of artificial intelligence technology) had a significant and positive relationship with the intention to adopt AI in the banking sector. However, perceived risk shows a negative but significant relationship with the intentions to adopt AI. Overall, the findings of this study will be a worthy insight for making strategic decision-making in the banking industry. This will enable the banking management to build a strategy to increase the trust of consumers, which will help them to overcome risks and give them confidence in using digital technology while making transactions. The banking sector also focuses on innovative AI technologies to improve customer services as well as overall growth by generating more revenue.
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Hepton, Tansy. "Risk management and the retail sector: A banking perspective." Journal of Financial Regulation and Compliance 7, no. 1 (January 1999): 17–21. http://dx.doi.org/10.1108/eb024992.
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Abbasov, A. M., Z. F. Mamedov, and S. A. Aliev. "Digitalization of the Banking Sector: New Challenges and Prospects." Economics and Management, no. 6 (August 28, 2019): 81–89. http://dx.doi.org/10.35854/1998-1627-2019-6-81-89.
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The presented study examines the digital banking model in the context of globalization.Aim. The study aims to analyze the nature and current state of digital banking and to determine perspective directions for its development in Azerbaijan.Tasks. The authors examine the major trends in the development of digital banking, determine its classification relative to the Russian digital banking market, and identify perspective directions for its development in Azerbaijan.Methods. This study uses general scientific methods of cognition to examine in various aspects the models of development, its trends, characteristic features, and perspective directions in Azerbaijan. Results. The progress of both Internet banking and mobile banking is closely associated with e-commerce. Out of 30 banks operating in Azerbaijan, 27 use Internet banking and 25 use mobile banking. At this point, 25% of current account transactions in Azerbaijani banks are conducted via electronic payments. According to the UNCTAD B2C E-commerce Index, Azerbaijan ranks 68th among 144 countries in terms of e-commerce development. Therefore, the most important strategic priorities for the country include improving the variety, quality, and services in the field of digital payments by consolidating the institutional and legal framework of these services, increasing the infrastructure capacity, and facilitating mass use. Expanding the scope of application of digital payments in the context of transparent economic transactions would reduce the costs associated with cash and operating losses of banks and institutions, which would in turn open up new opportunities for modern financial services, thus enhancing economic growth.Conclusions. Development of digital banking is a path toward economic transparency, shrinking of the underground economy, and an increase in tax revenues, the number of jobs, and GDP. The Central Bank of Azerbaijan (CBA) is taking systemic measures aimed at expanding the digital transformation of the banking service and payment system. The implementation and development of innovative banking products should be reflected in the strategy of every bank. Digitalization could become one of the forces driving the development of the baking system and increase the level of trust between depositors and banks, making this sector more transparent. However, there is one major obstacle: a lack of understanding that business should be urgently transformed using digital technology.
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Marshall, Neill, Stuart Dawley, Andy Pike, Jane Pollard, and Mike Coombes. "An evolutionary perspective on the British banking crisis." Journal of Economic Geography 19, no. 5 (September 18, 2018): 1143–67. http://dx.doi.org/10.1093/jeg/lby043.
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Abstract Developing an evolutionary perspective towards the changing anatomy of the banking sector reveals the enduring tensions and contradictions between spatial centralisation and the possibilities for decentralisation before, during and after the British banking crisis. The shift from banking boom to crisis in 2007 is conceptualised as a significant and on-going moment in the long-term evolution of the historical institutional–spatial dominance of London over other city-regions in Britain. The analysis demonstrates the importance of the institutional and geographical legacies of the British national political economy and variegation of capitalism established in the later nineteenth and early twentieth centuries in shaping contemporary geographical outcomes. Regulatory changes combined with financial innovation in the latter years of the twentieth century to create an opportunity for English regional and Scottish banks excluded from previous institutional–spatial centralisation to expand excessively and consequently several failed in the banking crisis. The paper considers the future trajectory of institutional–spatial centralisation in the banking sector amidst the continued spatial restructuring of the banking crisis, involving a re-drawing of organisational boundaries, overlapping institutional and technological changes and unprecedented uncertainty about the impact of Brexit on Britain’s wider political and economic landscape.
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Awwad, Bahaa Sobhi AbdeLatif. "Market power and performance: An Islamic banking perspective." Corporate Ownership and Control 15, no. 3-1 (2018): 163–71. http://dx.doi.org/10.22495/cocv15i3c1p2.
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This study aims to test the theories of market power and its role in interpreting the performance of Islamic banks in the GCC countries. Based on data from 22 Islamic banks for the period 2012-2017, using standard models, market power theories were unable to explain the returns of Islamic banks in the Gulf. Accordingly, these results deny the existence of an impact of monopoly in the structure of the Islamic banking sector in the performance of this sector, as well as the impact of traditional efficiency in its performance.
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Huljak, Ivan. "Shareholder value in Croatian banking sector." Croatian Review of Economic, Business and Social Statistics 5, no. 1 (May 1, 2019): 1–8. http://dx.doi.org/10.2478/crebss-2019-0001.
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AbstractThe view on banks as investments in Croatia is challenged by two phenomena: dual holdings (owners are intensely involved in bank balance sheet as, apart from equity, they provide a significant portion of deposits and loans) and the impediments to determining the cost of equity (as only a handful of banks are traded and with questionable liquidity in the capital market). The paper contributes to the literature by applying the panel regression on the translog cost function in order to calculate the shadow cost of equity for banks in Croatia for the period from 1994 to 2016. In the next step, the Economic Value Added was calculated by taking into account the dual holding role of bank owners. The results suggest that the shareholders economic value is significantly different from the accounting value. In addition, it seems that the standard view that domestic banks are less profitable than foreign banks is only valid from the accounting perspective.
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Shamanina, E. I., and Yu S. Zakharenko. "BIOMETRIC TECHNOLOGIES AS A PERSPECTIVE DIRECTION OF IMPROVING REMOTE BANK SERVICE." Vestnik Universiteta, no. 5 (July 16, 2020): 193–99. http://dx.doi.org/10.26425/1816-4277-2020-5-193-199.
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The issues related to the developing and improving remote identification mechanism in the Russian banking sector have been considered. The main aspects of the process of collecting, processing, checking and storing biometric data, the functioning status of Single Biometric System (SBS) have been highlighted. The vulnerability and risks of using biometric technologies by banks have been noted. The key trends in the development of the international market of biometric technologies and their application in the banking sector have been presented, as well as current events on the implementation of biometric technologies in Russia. The prospects for the use of biometric technologies in the banking sector and directions for improving the technological infrastructure in order to protect data from unauthorized access have been outlined.
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Sharma, Rimple, and Rajni Sofat. "A Holistic Perspective of Customer Satisfaction Towards Green Banking Practices." Gyan Management Journal 15, no. 2 (December 28, 2021): 24–31. http://dx.doi.org/10.48165/gm.2021.1523.
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The banking sector is the financial pillar of any nation that stabilizes the economic and financial conditions of the country. In the present scenario of global pandemic covid 19, this sector has got highly developed with the usage of innovative current practices. One of these is going green which converts traditional banking into green banking that emphasizes safeguarding the environment from depletion and putting less burden on resources. The current study focuses on the satisfaction of customers by making use of various green banking products and services. It is a survey-based study in which a structured questionnaire has been used for data collection through convenience sampling. First-hand data of 300 respondents have been collected from various banks of Punjab state. For result analysis percentages and factor analysis have been used. From analysis, two factors have been found safety & security arrangement and green technology which influences the satisfaction of customer most. This study will be very helpful for the banking industry and researchers in gauging customer satisfaction towards various green banking practices.
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Garg, Seema. "Global Financial Crisis and Banking Sector Efficiency: The Indian Perspective." Journal of Business Management and Information Systems 1, no. 1 (December 31, 2014): 90–109. http://dx.doi.org/10.48001/jbmis.2014.0101008.
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Banks play a crucial role in developing and least developed economies by facilitating in trade finance. Banks established an important linkage in international trade by guaranteeing international payments and thereby reducing the risk of trade transactions. The Banks in India has witnessed a significant growth, specialization and diversification since the initiation of financial sector reforms in 1991and further slowdown in the economy as a result of global financial crisis in 2008-2009. This study examines the performance of Indian banks using data envelopment analysis.
Though, there are large number of literature have been published on banking efficiency, This is an attempt to investigate the impact of global financial crisis on performance of Indian banking sector. The sole objective of this study is to exhibit, utilizing empirical data, the quantum to which the global financial crisis had an impact on the performance of the Indian banking industry. This study gives a comparative empirical analysis of the technical efficiency of Indian commercial banks during pre and post crisis period covering 2005-2012 using non parametric technique i.e. Data Envelopment Analysis (DEA). This period is consisting of pre and post global crisis period which is characterized by far reaching experience of crisis period (2008-2009) and its impact on the efficiency of the Indian banking sector. Overall, the results reveal that the effect of international financial crisis on the Indian banks has not been significant. Instead, the analysis reveals there is a statistically insignificant improvement in the efficiency of Indian banks’ following international financial crisis. Furthermore, the paper shows that the commercial banks have a high degree of resilience and stability.
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Olufemi Adeyeye, Patrick, Bolanle Aminah Azeez, and Olufemi Adewale Aluko. "Determinants of small and medium scale enterprises financing by the banking sector in Nigeria: a macroeconomic perspective." Investment Management and Financial Innovations 13, no. 1 (April 8, 2016): 170–75. http://dx.doi.org/10.21511/imfi.13(1-1).2016.04.
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This study assesses from a macroeconomic perspective the determinants of small and medium scale enterprises (SMEs) financing by the banking sector in Nigeria between 1992 and 2014. The empirical model specifies commercial banks’ lending to SMEs as a function of selected macroeconomic indicators which include commercial banks’ total deposits, financial deepening, interest rate spread, lending rate, monetary policy rate, commercial banks’ total assets and inflation rate. The 2SLS estimation results show that only commercial banks’ deposit mobilization, depth of the financial sector and size of the banking sector act as determinants of SMEs financing by commercial banks
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Repon, Anwar Hossain, and Zahidul Islam. "Competition and Concentration in Bangladeshi Banking Sector." International Journal of Finance & Banking Studies (2147-4486) 5, no. 1 (January 21, 2016): 16–29. http://dx.doi.org/10.20525/ijfbs.v5i1.44.
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The purpose of this paper is to investigate the market structure and degree of concentration of Bangladeshi banking industry. The study measured market concentration by using widely recognized measures like k-bank concentration ratio and Herfindahl-Hirchman Index (HHI). It evaluates market structure by applying Panzar-Rosse Model over 8 years period from 2006 to 2013. The result of concentration measures indicates a decreasing trend and low level of market concentration in Bangladeshi banking industry over the sample period. The panzer-Rosse “H-Statistic” suggests that banks in Bangladesh are operating under monopolistic competition. Present paper contributes to a burgeoning literature on banking competition that has evolved significantly over the past periods on a developing country perspective like Bangladesh.
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Vinciguerra, Rosa, and Nadia Cipullo. "Liquidity Issues in the Banking Sector from an Accounting Perspective." International Business Research 11, no. 5 (April 23, 2018): 80. http://dx.doi.org/10.5539/ibr.v11n5p80.
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The recent financial crisis highlighted the inability of financial markets of being always able to cope with the liquidity needs of banks. This gave rise to a great attention to the issues related to the liquidity in the banking sector.Stakeholders interested in assessing the liquidity profile of a financial institution can rely on data provided through its financial statements. This demonstrates the strong influence that the accounting discipline can have on it. Accounting standards can play an important role in depicting the liquidity profile (and the associated risk) of an entity, as they contribute to produce information useful to predict timing, uncertainties and amounts of its future cash flows.The objective of this theoretical study has been to investigate the contents of the IASB Conceptual Framework and of some of its standards, i.e. IAS 7, IFRS 7, IFRS 9. In particular, the aim of the analysis has been to verify if the financial information requested by the regulation is adequately useful and relevant in order to assess the liquidity profile of a financial institution. In our opinion, the IASB discipline still presents some deficiencies on this aspect, in particular for entities operating in the banking sector.
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Islam, Mohammad Tazul, and Mohammed Mohi Uddin. "Determinants of board roles in the banking sector - Bangladesh perspective." International Journal of Corporate Governance 13, no. 2 (2022): 103. http://dx.doi.org/10.1504/ijcg.2022.128756.
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Uddin, Mohammed Mohi, and Mohammad Tazul Islam. "Determinants of Board Roles in the Banking Sector-Bangladesh Perspective." International Journal of Corporate Governance 13, no. 1 (2022): 1. http://dx.doi.org/10.1504/ijcg.2022.10053053.
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Pera, Jacek. "Narrow Banking from the Perspective of Risk." Acta Universitatis Lodziensis. Folia Oeconomica 4, no. 343 (September 13, 2019): 53–72. http://dx.doi.org/10.18778/0208-6018.343.04.
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The aim of this article is to identify risks arising from the attempt to stabilise the banking system with the use of narrow banking, which in practice means imposing restrictions on various types of assets held by banks and on handling current deposits. To this end, the following will be discussed: the nature and concepts of narrow banking and the risks of narrow banking. The research hypothesis is as follows: narrow banking is an effective concept to use to secure the stability of the financial system. The principal risk connected with the implementation of the concept of narrow banking results from: the cost of deposit insurance, partial loss of banks’ efficiency, mismatching of structures of assets and liabilities of the bank (resulting in GAP), as well as the size and structure of loans for the non‑financial sector. As a result of the conducted analysis, 6 indirect risks were identified, each for the assumed risk level: low, medium and high.
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Safitri, Ni Wayan Noviana, I. Gusti Bagus Wiksuana Wiksuana, Ida Bagus Panji Sedana, and I. Gde Kajeng Baskara. "Perspective Contradiction Regarding Competition and Financial Stability in the Banking Sector: Review of Literature." Jurnal Ilmiah Akuntansi dan Bisnis 17, no. 2 (July 27, 2022): 313. http://dx.doi.org/10.24843/jiab.2022.v17.i02.p09.
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This study aims to provide a systematic literature review (SLR) on the scope, measurement, and impact of competition on banking stability. PRISMA technique was used to undertake a meta-analysis of scientific articles. After applying all of the criteria, a total of 42 relevant studies were discovered. Previous research has examined the relationship between banking stability and competition in a variety of countries around the world, and has produced two opposing viewpoints, namely competition fragility and competition stability. The first perspective gets more support. When it comes to the measurement instrument, most studies use the Lerner index to quantify the intensity of competition. It is also discovered that the GMM (Generalized Approach of Moment) approach is widely used. Future research can examine each indicator's strengths and weaknesses further so that it can be used to gauge banking competition in accordance with the banking systems examined in each nation, yielding reliable results.
Keywords: competition, stability, banking
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Muhammad Faizan and Mohammad Najam Khan. "Gender Discrimination & Wage Gap in the Perspective of Banking Sector of Pakistan." International Journal of Social Science & Entrepreneurship 2, no. 1 (January 30, 2022): 40–51. http://dx.doi.org/10.58661/ijsse.v2i1.18.
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The role of women all around the globe is undergoing a dramatic change as women role is emerging in every field of life. Women are nowadays share the spotlight with men and these trends are also reflected in banking sector either private or public. This study presents the findings of a research study conducted in the Banking sector of Pakistan to find the influence of gender discrimination and explore the earning gap between men and women in the sector. As in Pakistan gender discrimination is the most common issue faced by women. Although Pakistan was ranked as 2nd worst country in global gender gap index report 2020. This paper offers useful recommendations towards improving the condition of banking sector of Pakistan. In this paper quantitative research method was used, questionnaire paper was distributed in both private and public banks of Pakistan. The main aim of this paper is to discover the gender discrimination and the wage gap cause by discrimination.
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Dedu, Vasile, Dan-Costin Nițescu, and Maria-Alexandra Cristea. "The Impact of Macroeconomic, Social and Governance Factors on the Sustainability and Well-Being of the Economic Environment and the Robustness of the Banking System." Sustainability 13, no. 10 (May 19, 2021): 5713. http://dx.doi.org/10.3390/su13105713.
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The paper highlights the connection between the European Union banking system and a set of representative factors—macroeconomic, social, and governance factors—selected from the perspective of sustainability and well-being. The analysis is carried out as a panel regression on EU member countries with annual data for 2005–2018, and it explores the impact of the selected factors on the robustness of the banking systems in the European Union countries. The analyzed variables to reflect the robustness of the banking system were the domestic credit to the private sector and the nonperforming loans (NPL) rate. Those indicators are of high relevance and concern within the current pandemic context. The results show that the banking development degree influences the increase of private-sector lending and the decrease of the NPL rate. Social and governance factors impact differently the level of private sector and NPL rate. All macroeconomic indicators used to influence the level of private-sector lending. The research reflects the fact that to promote and adopt a culture of sustainability and to ensure well-being, a close collaboration between all sectors of an economy is needed, together with a strong policy interconnection and harmonization between micro and macro.
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Dr. Nitya Sharma, Puneeta Sharma, Dr Kavita Sharma,. "Customers Perspective On Mobile Banking During Covid Lockdown Period: A Study Of District Kapurthala." Psychology and Education Journal 57, no. 9 (January 5, 2021): 6055–65. http://dx.doi.org/10.17762/pae.v57i9.2666.
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The access to mobile technology has given an impetus to the banking sector with overall advancement and increase in financial transactions. .With the motto of any time, any where and by any mode, spread of financial products of banks is markedly seen in the market. Banking services can be provided very fast and interactively in mobile banking. In this era, Technology has proved its contribution in today’s business world, which leads to the largest and fastest growth indicator in an economy. Mobile banking is among those indicators which promotes banking and financial sector. The role of technology is changing, the already developed traditional mindset of people. The periphery of transactions are changing rapidly day to day, which gives many opportunities to all banking and financial institutions to enhance their services package offered to customers. Mobile banking service helps the user to handle their sensitive as well as daily routine chores in an efficient and confidential way. Mobile banking doesn’t restrict a customer to stick at one place, region/area. Over the years, financial institutions and banks are always curious to increase the facilities to the customers to fascinate them. This paper examines the awareness of inhabitants of Kapurthala, District Kapurthala regarding the awareness of mobile banking.
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Mustofa, Ahmad. "Initiating Ṭibbun Nabawī in Local Agricultural Perspective Through Financing Products of Sharia Bank." International Journal Ihya' 'Ulum al-Din 24, no. 2 (December 28, 2022): 126–42. http://dx.doi.org/10.21580/ihya.24.2.11804.
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This study examines two areas in Islamic economics that have yet to be met in a productive partnership, namely (1) Islamic banking institutions and (2) economic activities in the agricultural sector. Islamic banking institutions limit contact with the agricultural sector because of the negative assumptions already attached to the gloomy prospects for agriculture. In contrast, the agricultural industry players have formal limitations in negotiating with banking institutions. From a local perspective, this research on 'Tibbun nabawi' seeks to open up opportunities for both parties in a productive and beneficial partnership. This is literature research, a qualitative approach utilizing the study of the living Quran. Utilization of the financing management pattern with a modified joint responsibility system is the most crucial result in this study so that partnerships between Islamic banking institutions and the agricultural industry can be realized immediately.
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Althawadi, Maryam Abdulla, and Gagan Kukreja. "Implementation of the Basel III and its effect on Bahrain’s banking sector." Corporate Ownership and Control 15, no. 1 (2017): 224–34. http://dx.doi.org/10.22495/cocv15i1c1p6.
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The financial crisis which occurred in 2007 and 2008 has had a major impact on the global banking industry. As a result, many banks went bankrupt or the governments had bailed them out. Thus, to protect banks against such a situation, the Basel Committee on Banking Supervision (BCBS) had scrutinized and altered the banking regulations, termed as the Basel III. The purpose of this study is to analyse the Basel III paradigm and its impact on the banks’ financial health of Bahrain. This kind of study will enhance the understanding of Basel III and its impact on banking sector for researchers of GCC in general and Bahrain in particular. The approach of the study is qualitative, whereas the theoretical framework has been used in the literature review. The empirical results were acquired from the interviews of various personnel from banks in Bahrain to gauge their perspective on Basel III paradigm. The overall perspectives of the banking personnel about Basel III were that it should have more stringent requirements. In this case, the capital requirements are considered to be too low and the risk weights are too unrealistic. However, majority of the banking personnel are still optimistic that Basel III does grant superior protection, but it doesn’t provide complete protection against the chance of failure. According to the research findings, majority of respondents were optimistic and feel that it does help in protecting the banks, while others consider it completely useless and failed to prevent failures.
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Naheem, Mohammed Ahmad. "Regulating virtual currencies – the challenges of applying fiat currency laws to digital technology services." Journal of Financial Crime 25, no. 2 (May 8, 2018): 562–75. http://dx.doi.org/10.1108/jfc-08-2016-0055.
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Purpose The purpose of this paper is to consider the recent (Dec`15) introduction of the Bitlicensing rules in New York and consider from a banking perspective how this will impact on their own risk assessment processes. The paper also outlines the challenges of applying financial regulation to companies that have an area of expertise and business that is more aligned to software development, rather than financial service provision. Design/methodology/approach This paper is a viewpoint paper, which offers a critical discussion on the FATF guidelines on virtual currencies. The paper compares developments that are currently occurring within the virtual currency sector in particularly the new Bitlicensing process in New York State and discusses the implications to the banking sector on risk assessment processes for virtual currency transactions. Findings This paper will benefit the banking and regulation industries as well as economic and banking academics and anyone with an interest in virtual and digital currency technology. Originality/value This paper is unique in that it examines the issue of virtual currency regulation from a banking perspective. It explains the virtual currency technology as a means to be enhancing banking risk assessment, for clients seeking to incorporate virtual currency transactions into their business. This paper impacts on the banking and regulatory sectors because it critically examines the current practice of over regulation and the impact that this has on alternative financial systems, such as digital and virtual currencies. The paper offers a theoretical framework as well as citing current practical reports of how regulation has already started to affect the financial services landscape. The impact of getting this wrong can lead to increased criminal activity, and this paper highlights how susceptible the financial sector is to this.
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Chahal, Hardeep, and Jagmeet Kaur. "Development of marketing capabilities scale in banking sector." Measuring Business Excellence 18, no. 4 (November 11, 2014): 65–85. http://dx.doi.org/10.1108/mbe-06-2013-0037.
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Purpose – The purpose of the study is to develop, measure and empirically validate marketing capabilities (MARKCAPB) scale in banking sector. Design/methodology/approach – Data are collected from a branch manager and three next senior managers of 144 branches of 21 public and 7 private banks operating in Jammu city, North India. Findings – The study finds that marketing capabilities are of multi-dimensional scale, comprising three dimensions – outside-in, inside-out and spanning. Further, the study results demonstrate that all three dimensions are significantly related to marketing capabilities; with outside-in capabilities to be most strongly associated with marketing capabilities development followed by inside-out and spanning dimensions. Research limitations/implications – The study focused on only operational perspective of marketing capabilities to develop a reliable and valid measurement scale. Hence, developing marketing capabilities scale from remaining three perspectives – intellectual capital, marketing mix and competition would prove to be an interesting line of future research. Second, as marketing capabilities scale is developed and tested in banks, that too, in a single city of a country (India), it becomes important to examine whether the same scale can be applied to different sectors and countries. Moreover, future research could be carried on at identifying various antecedents that facilitate the development of marketing capabilities. Originality/value – This is the first study of this type that contributes to the development of multi-dimensional scale of marketing capabilities in banking sector in Indian context. The study provides banks’ managers with the deeper understanding of how to develop and establish marketing capabilities in an organisation. Besides, it also put light on the significant role of outside-in, inside-out and spanning capabilities that facilitate the managers in enhancing financial performance by focusing on varied sub dimensions such as relationship, regularity, communication (outside-in), Web technology and employee bonding (inside-out), advertising, pricing and product/service skills (spanning).
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Indy, Listia Aulia, Lia Uzliawati, and Agus Sholikhan Yulianto. "Managerial ownership profitability and firm value agency theory perspective." Enrichment : Journal of Management 13, no. 1 (May 2, 2023): 619–26. http://dx.doi.org/10.35335/enrichment.v13i1.1224.
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This study explains the phenomenon of the decline in the value of banking companies when the rupiah slumped in 2018. The purpose of this study was to reveal the effect of managerial ownership and profitability on firm value and the effect of managerial ownership on profitability. The population in this study is the banking sub-sector financial sector companies listed on the Indonesia Stock Exchange (IDX) in 2017-2021. The results of the study show that managerial ownership has no effect on firm value and does affect profitability. Furthermore, profitability affects the firm value. This study shows the mediating role of profitability on the indirect effect of managerial ownership on firm value.
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Sahoo, Biresh K., and Dieter Gstach. "Scale Economies in Indian Commercial Banking Sector." International Journal of Information Systems and Social Change 2, no. 4 (October 2011): 13–30. http://dx.doi.org/10.4018/jissc.2011100102.
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Two alternative estimation models, i.e., a translog cost function and data envelopment analysis (DEA) based on a cost model are compared and contrasted in revealing scale economies in the Indian commercial banking sector. The empirical results indicate that while the translog cost model exhibits increasing returns to scale for all the ownership groups, the DEA model reveals economies of scale only for foreign banks, diseconomies of scale for nationalized banks, and both economies and diseconomies of scale for private banks. The divergence of the results obtained from these two estimation models should concern model builders. From an empirical perspective the definition of scale economies through a constant input mix is very restrictive. The DEA cost model is much more flexible in this respect: It neither requires the restrictive assumptions that the unit factor prices are always available with certainty, nor that these prices are exogenous to the firms. However, the very volatile nature of the banking industry might question the validity of the empirical estimates in this deterministic setting. Therefore, further research is required to examine the bank performance behavior using both SFA and chance constrained DEA for the comparison in a stochastic setting.
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Levine, Philip. "The Intifada and Its Impact on the Banking System in the State of Israel." American Economist 37, no. 1 (March 1993): 68–71. http://dx.doi.org/10.1177/056943459303700109.
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This paper analyzes the impact of the Intifada on both the West Bank-Gaza Strip and the Israeli sectors of the economy of Israel. From the perspective of the banking system, the Intifada has had a more detrimental effect on the West Bank-Gaza Strip region than on the Israeli sector.
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Nasir, Shaista, Yusra Shehzadi, and Nasir Hussain. "COMPETITION AND BANK STABILITY: A GLOBAL PERSPECTIVE." Pakistan Journal of Social Research 05, no. 01 (March 31, 2023): 8–16. http://dx.doi.org/10.52567/pjsr.v5i01.991.
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Several rounds of banking reforms were introduced globally as a result of GFC 2007-2008. The effects of these reforms have affected the banking industry. One of these reforms was bank consolidations, leading banking sector towards high concentration. As a result, the level of competition changed. This study presents a global perspective on “the influence of competition on banks stability” by reviewing the recent literature describing “competition-stability nexus”. The relevant researches were extracted by using Prisma Protocol. Data extraction was done by using “master taxonomy”. Two main theories “competition-fragility” and “competition-stability” have been examined by several authors using “GMM estimator” as a statistical tool. The problem identified from literature is that there is lack of consensus on the “competition-stability nexus”, hence studies produced mixed results. This study aims to identify and discuss the causes of heterogeneity in results. The study shows that researchers have tested these theories under different settings i.e., by sampling the data of specific region for different period of time, hence the results are mixed. In addition, the level of competition and bank concentration vary from one region’s banking sector to another. Moreover, the measurement of competition also varies among researchers, being another possible cause of mixed results. The study suggests that taking sample of single country instead of multiple countries may produce more specific results; and Boone indicator should also be used to measure competition to obtain robust results. Keywords: Competition; Bank Stability; Bank Concentration; Boone Index.
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Dalwai, Tamanna Abdul Rahman, Rohaida Basiruddin, and Siti Zaleha Abdul Rasid. "A critical review of relationship between corporate governance and firm performance: GCC banking sector perspective." Corporate Governance 15, no. 1 (February 2, 2015): 18–30. http://dx.doi.org/10.1108/cg-04-2013-0048.
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Purpose – The purpose of this paper is to evaluate existing studies on the relationship of corporate governance with firm performance in different regions and address the need for similar analysis for the Gulf Coperation Council (GCC) sector. The banking sector comprises the conventional and Islamic banks in the GCC sector and is important due to their ability to bring stability to this region. Existing studies that measure the relationship of GCC sector conventional banks and firm performance are limited. This study proposes a need for future research on corporate governance in the GCC region. Design/methodology/approach – This paper will review and analyze the different empirical and theoretical contributions in establishing the relationship between corporate governance and firm performance. Findings – This paper will create a focus for future research of measuring the impact of corporate governance mechanism on firm performance. The regulators will be encouraged to focus on more research studies for the GCC sector development in the field of corporate governance of the banking sector. Research limitations/implications – The existing studies are valid and practicable for the region under study, and the results need not be applicable for other business environments. In addition, the evolving business and economic environment have always brought about inconsistent conclusions; thus, the period of study can always give varied results. Practical implications – The analysis undertaken in this paper will address the literature gaps for the GCC banking sector and play an instrumental role for future studies by theoreticians and regulators. Originality/value – This paper identifies the literature gaps for the GCC region and analyses the most applicable existing studies that can be useful for the banking sector corporate governance improvement. This paper will create opportunities for the future researchers.
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Omar, Mahomed Shoaib, and Jeremiah Madzimure. "Exploring the performance of shared-value banking at discovery bank: a leadership perspective." EUREKA: Social and Humanities, no. 2 (March 31, 2022): 36–45. http://dx.doi.org/10.21303/2504-5571.2022.002330.
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The concept of shared value was born out of a determined effort to find methods for the corporate sector and society to grow while being sustainable. Often, banks are criticised for focusing on maximising shareholder value and not addressing societal issues or creating value for society. However, corporate shared value in banking is beginning to be embraced in the financial banking sector. Discovery Bank is a new-to-market entrant in the South African banking sector that has implemented shared-value banking to distinguish itself from competitors and create value for society. There are limited studies that explore the performance of shared-value banking in South Africa and whether implementation is viable or provides a competitive advantage. This study aimed to explore the performance of shared-value banking based on the perceptions of Discovery Bank leaders using a qualitative study methodology. The population in this study comprised 300 employees of Discovery Bank that was involved in the implementation of Discovery Bank since 2019. The target population of this research inquiry was 30 leaders of Discovery Bank. From the target population, 8 participants were chosen as the appropriate sample size to obtain the necessary data to address research objectives through interviews. Computer-assisted qualitative data analysis software, NVivo version 1.5.2 (946), was used to analyse data. Study findings were used to draw up recommendations to Discovery Bank South Africa management regarding improvement areas to meet performance objectives. The findings of the study revealed the following: Discovery Bank has created its shared-value banking model that deviates from the academic framework, it has created a new market of highly desirable clients who exhibit healthy financial behaviours and enhancing client engagement through client communication may yield greater success. Limitations and areas of future research was addressed in this study.
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Barth, James R., Tong Li, Wen Shi, and Pei Xu. "China’s shadow banking sector: beneficial or harmful to economic growth?" Journal of Financial Economic Policy 7, no. 4 (November 2, 2015): 421–45. http://dx.doi.org/10.1108/jfep-07-2015-0043.
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Purpose – The purpose of this paper is to examine recent developments pertaining to China’s shadow banking sector. Shadow banking has the potential not only to be a beneficial contributor to continued economic growth, but also to contribute to systematic instability if not properly monitored and regulated. An assessment is made in this paper as to whether shadow banking is beneficial or harmful to China’s economic growth. Design/methodology/approach – The authors start with providing an overview of shadow banking from a global perspective, with information on its recent growth and importance in selected countries. The authors then focus directly on China’s shadow banking sector, with information on the various entities and activities that comprise the sector. Specifically, the authors examine the interconnections between shadow banking and regular banking in China and the growth in shadow banking to overall economic growth, the growth in the money supply and the growth in commercial bank assets. Findings – Despite the wide range in the estimates, the trend in the size of shadow banking in China has been upward over the examined period. There are significant interconnections between the shadow banking sector and the commercial banking sector. Low deposit rate and high reserve requirement ratios have been the major factors driving its growth. Shadow banking has been a contributor, along with money growth, to economic growth. Practical implications – The authors argue that shadow banking may prove useful by diversifying China’s financial sector and providing greater investments and savings opportunities to consumers and businesses throughout the country, if the risks of shadow banking are adequately monitored and controlled. Originality/value – To the authors’ knowledge, this paper is among the few to systematically evaluate the influence of shadow banking on China’s economic growth.
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Malik, Muhammad Imran, and Rizwan Ahsan. "Towards innovation, co-creation and customers’ satisfaction: a banking sector perspective." Asia Pacific Journal of Innovation and Entrepreneurship 13, no. 3 (December 2, 2019): 311–25. http://dx.doi.org/10.1108/apjie-01-2019-0001.
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Purpose Co-creation fosters customer’s involvement for innovation in products/services and is used as a tool to develop competitive edge for better entrepreneurship. Based on limited evidence, the study aims to examine the factors contributing to the co-creation and the relationship of co-creation with customer satisfaction. Design/methodology/approach A sample of 384 customers from selected banks in Pakistan was selected. The study adopted quantitative, explanatory and cross-sectional research design. Structural equation modeling is used for analysis. Findings The results revealed a positive and significant relationship between co-creation with customer satisfaction. Further results revealed that access to information, risk assessment and transparency have a positive relationship with co-creation for innovation. The study is significant for customers and management of banks to understand the implications of co-creation to increase customer satisfaction. Research limitations/implications Few banks with a small number of customers were selected for the study. Practical implications Managers must consider customer’s access to information, risk assessment and transparency of information as necessary factors for co-creation that foster innovation and entrepreneurial opportunities because co-creation strengthens customer satisfaction. Social implications Adopting the co-creation process brings long-lasting harmony between customers and banks, and customers may consider the banks as being socially responsible by inviting the opinions of their customers. Originality/value Model is re-tested in the context of Pakistani banks with selected variables affecting co-creation for innovation. Moreover, the relationship of co-creation with customer satisfaction is examined.
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Maune, Alexander. "A talmudic perspective of the Zimbabwean banking crisis of 2004/2005." Risk Governance and Control: Financial Markets and Institutions 5, no. 3 (2015): 104–13. http://dx.doi.org/10.22495/rgcv5i3c1art2.
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This article reviews the Zimbabwean banking crisis of 2004/2005 from a Talmudic perspective using seven Talmudic halachic principles: honest weights and measures, transparency and accountability, deception, fraud and theft, conflict of interest, bribery, outright and subtle, misleading others, and honesty in business. Each principle is used to review the activities and behaviours that nearly collapsed the entire Zimbabwean banking sector in 2004/2005. It was found that almost all the principles were violated prior to the banking crisis. In conclusion, had all the parties involved acted in the spirit of the Talmudic rabbis, the Zimbabwean banking crisis would not have occurred. This article has therefore business and academic value.
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Farida, Farida, Sugiharti Binastuti, Widya Silfianti, and Budi Hermana. "The impact of Covid-19 on electronic payment system: Lesson learned from Indonesian banking." Technium Social Sciences Journal 40 (February 8, 2023): 200–212. http://dx.doi.org/10.47577/tssj.v40i1.8295.
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The Indonesian economy suffered a recession due to the COVID-19 pandemic, the first case of which was announced on March 3, 2020. In response to this disaster, various economic sectors carried out digital transformation, including the banking sector. This research is a case study of how Indonesian banking responded to the pandemic through various central bank policies complemented by literature review on the impact of the pandemic on the banking sector in the world, as well as the development of electronic payment systems before, during and after the COVID-19 pandemic. The central bank issued several regulations of relaxation to reduce the impact of the pandemic on the banking sector. From the perspective of society, the pandemic has actually accelerated the use of digital payment systems in Indonesia. The most widely used electronic payment instrument is electronic money, followed by RTGS transactions with data periods ranging from 2016 to 2021. ATM/Debit card transactions show relatively no fluctuating increases, while credit card transactions show a decline during the same observation period. The trend of increasing electronic transactions is expected to continue after the pandemic and will become a necessity in the Indonesian economy onwards
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Perera, Dilesha. "Corporate Social Responsibility in Service Sector Perspective: Applications in Commercial Banking Sector in Sri Lanka." International Journal of Scientific & Engineering Research 8, no. 5 (May 25, 2017): 989–95. http://dx.doi.org/10.14299/ijser.2017.05.006.
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Tad, M. C. Shibin, M. Syed Mohamed, S. Fenin Samuel, and Deepa M. J. "Artificial Intelligence and Robotics and their Impact on the Performance of the Workforce in the Banking Sector." Revista de Gestão Social e Ambiental 17, no. 6 (July 10, 2023): e03410. http://dx.doi.org/10.24857/rgsa.v17n6-012.
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Objective: This study seeks to investigate the application and impact of Artificial Intelligence (AI) in the Indian banking sector, specifically its role in optimizing operations and enhancing customer service. Theoretical Framework: The study is grounded in the perspective that AI, a technology marked by its human-like intelligence, has transformative potential in diverse sectors, including banking. It is theorized that AI applications can lead to customer service automation, personalized services, and data-driven decision-making in banking. Method: A combination of secondary data sources, including documents, newspapers, news reports, banking databases, RBI portals, and websites, was utilized. Further, quantitative analysis was conducted on primary data collected from two hundred banking staff members across different banks in Tamilnadu, India. Results and Conclusion: The data analysis demonstrates a significant correlation between AI implementation and improved banking performance. Nonetheless, the Indian banking sector is yet to fully leverage AI and machine learning capabilities. The study foresees a promising future with AI deployment, offering opportunities for cost reduction, enhanced customer experience, and financial inclusion. Implications of the research: Despite challenges such as linguistic diversity, customer trust, and data security, the research suggests potential partnerships with fintech companies to mitigate these issues. This research thereby contributes to the understanding of AI's transformative potential in the banking sector and the way forward to address existing challenges. Originality/Value: This research offers unique insights into AI's role in reshaping traditional banking practices and the hurdles to its extensive application in India. It suggests a novel approach of partnerships with fintech companies to overcome these challenges, adding value to the discourse on AI in banking.
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Kamruzzaman, Md, and A. K. M. Mahfuj Ullah. "Corporate Governance Practices and Non-performing Loans in Banking Sector of Bangladesh: A comparative Study." Journal of Business Studies 03, no. 01 (2022): 1–25. http://dx.doi.org/10.58753/jbspust.3.1.2022.1.
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Purpose: This study attempts to identify & significantly examine how corporate governance practices interact with non-performing loans in the banking sector of Bangladesh. Corporate governance (CG) is one of the significant factors that has gained considerable attention due to several rising scams in the banking sector. Recent global financial crisis as well as collapse of few local and global splendens entities like Bismillah Group, Hallmark, MCI Inc., and WorldCom etc. have strongly affected the banking sector globally that forced to rethink the overall banking structure. Methodology: The present study was descriptive in nature for which convenient sampling method was used to select the sample banks. Required data were collected from diversified data sources and tested with Microsoft Office (MS Excel). Findings: The study found that different persons and sectors like debased and dishonest bank officials of BB, top management and powerful political figures commonly affect the lending decisions. CG practices ought to be fortified as well as careful and tactful lending decisions must be ensured to stop credits turn bad. Practical Implications: Sometime, banks don't adhere to the principles and guidelines formulated by BB appropriately which are the constraints to operate business soundly. Each of the identified factors here ought to be analyzed cautiously so as to improve CG practices among the banks for fortifying the banking sector. Originality: Researchers tried to track down the relationship between CG practices and their effect on NPLs in BD perspective considering the financial data of respective entities. The present paper simply added some new nfluencing factors to the several prior works in this field which made it unique. Research Limitations: Researchers considered a limited part of the entire banking sector (only 12 of 61banks) which has shown a partial status of this sector. It would be possible to take private, specialized, Islamic and state-owned banks‘ data and make a comparison to show the desired real picture of CG practices and non-performing loans of the whole banking sector.
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Mukherjee, Arunava. "Analysing the Role of the Central Bank in Bank Merger Regulation in India: A Scrutiny from the US and the EU Perspectives." World Competition 36, Issue 1 (March 1, 2013): 165–83. http://dx.doi.org/10.54648/woco2013008.
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The article analyses the recently proposed legislation (in India) to exclude the jurisdiction of the competition regulator and bring bank mergers under the exclusive purview of the central bank. The article takes a look at bank merger regulation and its evolution in the US and in the EU, and argues that India should take lessons from the approach in various jurisdictions to implement a mechanism of concurrent review by the central bank and the competition regulator to ensure an independent review from a competition perspective. Various issues relating to the banking sector and bank merger regulation are examined. The efforts of the fledging Competition Commission of India and its scrutiny of the banking sector are discussed. While acknowledging the special nature of the banking sector, the possible adverse impact of the move on India's position as a favoured global investment destination is also discussed. A study of the global approach is undertaken by analysing the trends in the US and in the EU where bank mergers have been increasingly brought under the scrutiny of the competition regulators (instead of leaving them under the exclusive jurisdiction of the banking sector regulators) on the basis that the banking sector must adhere to the general rules of competition legislation and may not be afforded any special treatment. It is argued that the competition regulator is best suited to review mergers from a competition perspective and its exclusion from the review of bank mergers would result in India moving in the opposite direction from the global approach in recent years.
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Magasi, Chacha. "The Role of Transformational Leadership on Employee Performance: A Perspective of Employee Empowerment." European Journal of Business and Management Research 6, no. 6 (November 10, 2021): 21–28. http://dx.doi.org/10.24018/ejbmr.2021.6.6.1137.
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Critical literature review revealed that individualised consideration and intellectual stimulation factors of transformational leadership are the heart of employee empowerment. This study is important because there was little and discrete information on how individualised consideration and intellectual stimulation empower the performance of banking sector employees in the Dar es Salaam city. The study, therefore, examined the role of transformational leadership on employee performance based on employee empowerment perspective. A sample of 325 banking sector employees was surveyed using a self-administered structured questionnaire. Multiple linear regressions were employed to find the relationship between individualised consideration and intellectual stimulation with the performance of banking sector employees. A Statistical Package for Social Sciences was employed as an analytical tool for quantitative data. An in-depth interview was conducted to twelve employees who were selected by using the purposive sampling technique from twelve different banks. Thematic analysis was used to analyse qualitative data from in-depth interview to supplement the quantitative findings. The study revealed that individualised consideration and intellectual stimulation had a positive relationship with the performance of banking sector employees. That relationship was enhanced by effectively empowering employees and also fostering an environment that encourages learning, creativity and innovation. The study recommends that leaders in any bank’s section have to empower employees and foster the learning, creativity and innovation environment as the preconditions for enhanced employees’ performance. However, the study was done in the Dar es Salaam city and therefore limiting the generalisation of the results due to contextual differences in sub-Saharan countries. The study contributes to knowledge that individualised consideration and intellectual stimulation factors of transformational leadership are the heart of employee empowerment.
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Sbarcea, Ioana Raluca. "Banks Digitalization - A Challenge for the Romanian Banking Sector." Studies in Business and Economics 14, no. 1 (April 1, 2019): 221–30. http://dx.doi.org/10.2478/sbe-2019-0017.
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AbstractThe banking system has undergone several transformations since its beginning up to now, some as a result of adapting to customers’ requirements that have become increasingly sophisticated, and others as a result of the economic and political contexts that have passed, which again – have required its adaptation. Regardless of the situation, the banks have undergone a large digitization process, a process that is now in progress and which in the coming years can cause a significant change in the banking we knew about 10-15 years ago. Through this paper, I propose to analyse the situation of the banking system in terms of adapting to these challenges, at the level of Romania, in the context of the current situation at global and European level, in order to highlight both the progress achieved and the gap in comparison to the other countries, much more competitive from this perspective.
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Yahanpath, Noel, and Mahbubul Islam. "Evaluation of post-GFC policy response of New Zealand: non-banking perspective." Journal of Financial Regulation and Compliance 22, no. 4 (November 4, 2014): 328–38. http://dx.doi.org/10.1108/jfrc-09-2013-0029.
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Purpose – The purpose of this study is to explore whether the present measures being taken by the New Zealand (NZ) government are strengthening its non-banking sector effectively to address the recent financial crisis and ensure better financial stability to the economy. Design/methodology/approach – The basic methodology used in this paper is the “documentary research method”. For this study, data has been collected from various published sources; e.g. The Bulletin, the Financial Stability Report and other publications of the Reserve Bank of NZ, publications by Statistics NZ and a number of NZ government Ministries, and some newspapers and magazines, etc. Findings – We find that the NZ government is revamping the non-banking sector by introducing a prudential regime. However, we also find some gaps in the existing regulatory systems that need to be addressed to ensure soundness in the total system. Research limitations/implications – The basic limitation of documentary research will be applicable to this study. Further research may be carried out to investigate the policy responses of government from banking, corporate governance and other regulatory perspectives. Practical implications – Our study identifies some gaps in current policy responses along with some suggestions for the future that may be taken into consideration by the respective policy-makers to further strengthen the support provided by policy responses to financial crises. Originality/value – Our study provides a unique insight into the evaluation of post-GFC policy response and its effectiveness with regard to non-banking sector and, to our knowledge, the first of its kind in NZ in the post-global financial crisis period.
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Wojcicka, Karolina. "The Relationship Between Concentration of the Banking Sector in Poland and Its Soundness." e-Finanse 12, no. 4 (June 27, 2017): 43–57. http://dx.doi.org/10.1515/fiqf-2016-0007.
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Abstract Each year assets of the banking sector in Poland increase and thereby its significance in the real economy increases as well. At the same time, the ongoing consolidation process and changes in the ownership structure cause the Polish banking sector to play a substantial role not only on the local financial market, but on the European market as well and Polish banks are becoming more and more significant entities in their international banking groups (both in Europe and worldwide). However, the perspective of concentration increase and restriction of the Polish banking sector to a few operating banks (dominated by entities with foreign capital) is a source of distress in the context of its soundness - and due to its significance in the Polish economy - to the whole financial sector and real economy. The main goal of this article is to analyse the changes of concentration in the banking sector in Poland, including the ownership concentration, while attempting to determine its soundness (using the financial stability ratios method). The purpose of the study is also to prove a thesis that limited concentration with diversification of the ownership structure and its limited concentration favours thesoundness of a banking system. The study was carried out on the basis of an analysis of literature (both Polish and English) and comparative analysis (of the concentration of the Polish banking sector against other European countries). Qualitative analysis was complemented with quantitative research, based on analysis of statistical data.
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Sundar, Vijayalakshmi. "Growth and Development of Mutual Fund Industry with reference to Banking Sector Funds: An Indian Perspective." SIJ Transactions on Industrial, Financial & Business Management 02, no. 02 (April 16, 2014): 11–15. http://dx.doi.org/10.9756/sijifbm/v2i2/0202070102.
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Idoko, Edwin Chukwuemeka, and Marcellus Amaechi Chukwu. "Does Agency Banking Trigger Financial Inclusion? Perspective of Residents in Rural Setting." Scholars Bulletin 8, no. 6 (June 12, 2022): 180–88. http://dx.doi.org/10.36348/sb.2022.v08i06.002.
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Over decades, most transactions in Nigeria were largely conducted in cash. However, Central Bank of Nigeria’s cash-less policy introduction aimed at reducing cash-based transactions, decreasing and integrating financially excluded adult into the formal financial sector of the economy has altered financial transaction landscape. Pursuant to this goal of financial inclusion, measures such as agency banking, national financial literacy, mobile payment system were introduced. However, research has somewhat under-explored how agency banking platforms influence financial inclusion among adult rural dwellers that are perceived to be more excluded in formal financial sector. Therefore, this study empirically investigates influence of agency banking on financial inclusion among adult rural dwellers in rural communities. A sample of 320 potential respondents were determined statistically. Self-administered questionnaire designed in Likert-Scale format was used to collect data from respondents. Convenience and judgemental sampling techniques were used to recruit participants who agreed to take part in the study. Partial Least Square Structural Equation Modelling technique was applied in data analysis. Results show that agency banking has positive-significant correlation with saving consciousness and financial literacy; saving consciousness and financial literacy significantly and positively influence financial inclusion. The study discusses the theoretical, policy and managerial implications of the findings while highlighting possible areas for future research.
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Piotrowski, Dariusz. "ICTs in the banking sector in the times of the COVID-19 pandemic: the customer’s perspective." Ekonomia i Prawo 21, no. 3 (September 30, 2022): 603–22. http://dx.doi.org/10.12775/eip.2022.032.
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Motivation: The digitization of financial services has brought a noticeable decline in the importance of branch banking for customers wanting to contact their bank or receive financial services. The lack of personal contact with bank employees has become particularly significant during the pandemic, with remote modes of communication reducing the risk of contracting SARS-CoV-2.
Aim: The present study applies the Spearman’s rank correlation coefficient and binomial logit model to determine the impact of the digitization of bank services and the COVID-19 pandemic on retail customers’ needs for branch banking.
Results: The empirical research conducted demonstrated that the factors significantly positively influencing the need to use financial services provided by staff in bank branches were respondent experience in using bank advisory services and fear of interpersonal contact in the pandemic context. Meanwhile, variables with a negative effect were the use of the electronic banking platform, attitudes towards the use of the artificial intelligence technology in the banking sector, and perceptions of the advantages of remote communication with institutions in the pandemic context.
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Saldanha, Avil, and Kevin Nitin. "Impact of the Covid-19 Pandemic on the Indian Retail Banking Sector." Ushus Journal of Business Management 20, no. 2 (September 1, 2021): 1–15. http://dx.doi.org/10.12725/ujbm.55.1.
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This study looks at how banking, specifically retail banking has been affected in the eyes of the average customer due to the COVID-19 pandemic. The study examines how the retail banking sector has been affected. The main focus is on if and how there has been a change in preference or perspective on how individuals interact with their banks. If there has been a drop in terms of service quality, response time and also an understanding of how secure they believe it is to conduct banking activities online or digitally. The study also takes a look at if individuals have used Unified Payments Interface, and their preference towards it. Furthermore, the study looks at if individual’s consumption patterns have changed and so on. The data was gathered using an online Google form that was circulated using social media, the results were then compiled, analyzed and the interpretations were made to understand how exactly the COVID-19 pandemic affected or didn’t affect the retail banking sector’s customer base.
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Ladha, Rani S. "Merger of Public Sector Banks in India Under the Rule of Reason." Journal of Emerging Market Finance 16, no. 3 (September 10, 2017): 259–73. http://dx.doi.org/10.1177/0972652717722085.
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This article models the idea of rule of reason of the antitrust literature and applies the model to analyse the possible consolidation of the Indian banking industry through merger and acquisition activities. It offers a strategic perspective for public sector banks whereby the banks either meet societal goals or become savvy international players through mergers. India being an emerging economy, the banking industry faces two critical initiatives: (i) proactive servicing of the rural areas and priority sectors and (ii) a serious presence in the international markets to compete with larger global banks. The model developed in this article suggests ways to evaluate and examine mergers in the banking sector in India to support both these initiatives. It proposes that the government could use the threat of merger to induce reluctant public sector banks to meet the critical domestic agenda and performance metrics. Those that meet the societal goals may continue to have the benefit of the status quo. Those that do not are required to merge to form an entity that can internationally compete in raising equity and deposits and providing loans and services. JEL Classification: G34, G38, K21