Dissertations / Theses: 'Culture in banking'

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Liu, Yuanyuan. "Organizational culture, employee resilience and performance in the international banking industry." Thesis, Birkbeck (University of London), 2018. http://bbktheses.da.ulcc.ac.uk/354/.

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In today‘s intensely competitive and changing business environment, employee resilience plays an important role as a capability to enhance individual and organizational performance. Although organizational contexts matters greatly for the development of this capability, so far little research has been conducted on employee resilience in different organizational cultural contexts. This thesis systematically investigates the relationship between organizational culture, employee resilience, and job performance in the international banking industry. First, using a sample of 1501 employees from 14 banks in China, we examine the mediating effect of employee resilience on the ̳employee learning orientation – performance‘ relationship based on a conceptual framework from conservation of resource theory. We find that employee learning orientation not only directly and positively influences job performance, but also indirectly does so via employee resilience as a mediator. Second, by analysing the in-depth interview data of 32 Chinese-origin employees with over five years working experience from eight international banks, we identify three types of organizational culture – jungle culture, caring culture and conservative culture, and explore how employee resilience evolves in these different cultural contexts. We find that: in the jungle cultural context, organizational culture influences employee resilience in a U-shaped pattern; in the caring cultural context, organizational culture positively affects employee resilience; in the conservative cultural context, organizational culture negatively relates to employee resilience. Lastly, by using a unique data set from 236 Chinese-origin employees from six international banks, we examine that to what extent employee resilience is influenced by the match or mismatch between employee motivation and organizational culture. We find that: in the jungle culture, employees with a short-term motivation show a higher level of resilience than those with a long-term motivation, while employees with a long-term motivation display higher resilience than those with a short-term motivation in the caring culture. In addition, employees with a short-term motivation exhibit more resilience in the jungle culture than in the caring culture; however, employees with a long-term motivation show higher resilience in the caring culture than in the jungle culture. As such, theoretical and managerial implications of our findings are discussed.

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Hooi, George Wye Keong, and n/a. "An Empirical Investigation Between Culture, Investor Protection, International Banking Disclosures and Stock Returns." Griffith University. Griffith Business School, 2007. http://www4.gu.edu.au:8080/adt-root/public/adt-QGU20071121.133040.

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There is a renewed interest in further exploring the significance of culture to the accounting disclosure model in view of a highly competitive global business environment. To date, there is no empirical research to investigate this issue with respect to a specific industry, namely banking. There are three main reasons for focusing only on the banking industry (Hooi 2004). First, it is considered to be the most important industry for the countrys economic and financial stability. Moreover, the IASB has recognised its significance by issuing unique accounting standards i.e. IAS30, IAS32 and IAS39. Second, Saidenberg and Schuermann (2003) argue that with the scope and complexity of Basel II, it provides opportunities for researching issues through Pillar 3. Third, with national banking systems being non-homogenous, it is important to investigate the effects of national culture because prior research has argued that cultural differences have partly explained international differences in disclosure framework of accounting systems. The purpose of this study is to apply and extend Grays (1988) theoretical framework of national culture with respect to four research questions. First, to contribute to Grays (1988) theory of cultural influence on international banking disclosures. Second, to investigate the possible significance of investor protection to the banking disclosure model. Third, to explore Grays (1988) theory on the relationship of national culture to capital market research using banking returns. Fourth, to investigate the value relevance of investor protection and banking disclosures to the returns model. Seventeen developed and developing countries with a representative sample of 37 listed domestic commercial banks were examined in 2004. For the disclosure model, the study finds that national culture is a significant factor in the banking industry. Individualism has been found as the primary cultural dimension for banking disclosures. Moreover, the explanatory power of the model significantly improves with the legal dimensions of common law and anti-director rights. The positive association between common law and banking disclosures is consistent with La Porta et al. (1998) which argue that common law countries with stronger investor protection are more transparent than civil law countries. However, there is a negative association between investor protection variable of anti-director rights with banking disclosures. This may suggest that investor protection does not encourage minority investors to enter the stock market specifically in the global banking industry. This situation may lead to a lack of demand for transparency through a smaller dispersion of ownership across the domestic banks. For the returns model, the study finds that national culture is value relevant in the banking industry. Collectivism and power distance have been found to be the two primary cultural dimensions for banking returns. Moreover, the explanatory power of the model significantly improves with anti-director rights and banking disclosures. These results are (1) consistent with La Porta et al. (2002) which argue that investor protection increases firm valuation with respect to Tobins Q and (2) international investors tend to support the Basel Committees commitment in providing a more transparent framework by implementing Pillar 3 in the near future, starting with the Basel member countries. Finally, an interesting finding from the study is that firm size has a negative association with banking returns.

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Elmabrouk, Elmabrouk A. Ambarik. "Quality of banking services in Libyan banks." Thesis, University of Gloucestershire, 2011. http://eprints.glos.ac.uk/3285/.

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Against the background of growing competition in the global marketplace, understanding customers, is a significant aspect of marketing. In the search for competitive advantage, there is a need to measure service quality to better understand its antecedents and consequences, and establish methods for its improvement. In the Libyan economy, the banking sector is one of the most important. Its significance increased after the 2003 lifting of the United Nations sanction. This was followed by entry to the sector of a number of domestic and multinational firms. Despite this increased competition, domestic banks are still widely considered to suffer from low levels of service quality. The main purpose of this study is to evaluate the actual level of service quality provided by Libyan public commercial banks as perceived by their customers. A modified SERVQUAL model was developed to measure service quality in Libyan commercial public banks. The resulting instrument is intended to help these banks to measure their service quality and focus on the service quality dimensions of most importance to their customers. It also aimed to gain an understanding of cultural and environmental influences on service quality in the Libyan banking sector, and their effect on banking management practices. It is also expected that this instrument, and its results, will contribute to future research into service quality. The findings of the present study have produced some important results. Firstly, the level of service quality offered by the Libyan public commercial banks as it was perceived by their customers was relatively high. Secondly, the theoretical five-factor structure of the SERVQUAL model was not confirmed in the Libyan banking context, and the service quality structure in the Libyan context appears to be four-dimensional. Furthermore, the study offers suggestions to banking managers to allocate their resources more efficiently to the most important dimensions, i. e. reliability and tangibles, to improve service quality, since the factor analysis indicates that these are the most important dimensions to customers. Finally, reflections on the methods used to modify SERVQUAL to make it more sensitive to a particular cultural context have implications for future researchers in terms of methodology, method and data analysis.

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Pereira, Artur Ferreira Conrado Torres. "The compliance function in banking: perspective and future in the age of globalization." Master's thesis, NSBE - UNL, 2012. http://hdl.handle.net/10362/9579.

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A Work Project, presented as part of the requirements for the Award of a Masters Degree in Management from the NOVA – School of Business and Economics
Ethically correct business decisions and the respect for applicable laws and regulations have become in demand for regulators and supervisors, but especially for the general public. For those behaviors to happen, compliance culture is an essential requirement. Through survey research, we prove the existence of a relationship between the workers’ level of compliance culture and their hierarchical position, which may indicate communication problems between hierarchies. This area is also given a comprehensive outlook, as the globalization process combined with financial regulatory reforms lead multinational corporations to a more challenging equilibrium between their compliance departments’ actions and budgets.

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Okada, Takaaki. "Corporate culture and organizational efficiency in the competitive international market." Thesis, University of Phoenix, 2013. http://pqdtopen.proquest.com/#viewpdf?dispub=3571484.

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The research study involved an investigation into the relationship between corporate culture and organizational efficiency in the Japanese securities industry as it adapts to survive in the competitive international market. Using the materialist conception of history, a case study approach was used to examine the roots of Nikko’s corporate culture as it developed prior to the introduction of the modern management system. Working in compliance with a licensing system that served to preserve the status quo, Nikko officials experienced industry scandals, which encouraged Japanese securities executives to introduce American modern management systems. The purpose of the mixed method study was to understand the qualitative and quantitative changes in the management operations of Nikko Cordial affected by the corporate culture before and after the change in management. Insights into Nikko’s situation were gained from analyzing the records of Nikko Cordial with those of the Nomura and Daiwa securities companies.

Using a system of dialectics, organizational inefficiency and low profitability were discovered as triggers for the corporate scandals, despite the introduction of the modern management system. Based upon the analysis of Nikko’s case, an inductive conclusion was drawn that organizational efficiency and profitability were considered important factors to sustain a successful business model in the financial business field. The inevitability of regulation as one of the five cost factors necessary to enhance profitability for financial businesses was confirmed by the dialectical approach. The corporate culture is a key catalyst to reduce the costs involved in organizational efficiency and integrity.

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Bergheim, Rosa, and Michael Ings. "Local Management Culture Overseas : Handelsbanken Sweden and Handelsbanken UK." Thesis, Högskolan i Gävle, Avdelningen för ekonomi, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-16269.

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ABSTRACT Title: Local Management Culture Overseas: Handelsbanken Sweden and Handelsbanken UK Level: Final assignment for Master Degree in Business Administration Author: Rosa Bergheim and Michael Ings Supervisor: Maria Fregidou-Malama Examiner: Akmal Hyder Date: 2014 – January Aim: The aim with this study is to investigate what management practice Handelsbanken is using in Handelsbanken Sweden and Handelsbanken UK. In order to find out if Handelsbanken has adapted the same management practice in the UK, the focus has been on researching Handelsbanken’s organizational structure, decision-making and motivation, through comparing the two countries national culture with each other. Method: A qualitative research was used for this study, which included ten interviews with branch managers from Handelsbanken Sweden and Handelsbanken UK. Result & Conclusions: Handelsbanken has applied a standardized management approach in both UK and Sweden, highlighted by decentralization in both countries. Autonomy, trust and responsibility together with the pension fund Oktogonen were seen as central motivation factors. Furthermore the study shows that the Swedish long-term approach to business was implemented in Handelsbanken UK. Suggestions for future research: This study focused on two of Handelsbanken’s home markets, further research could be conducted through including Handelsbanken’s other home markets, more branch managers and subordinates. Contribution of the thesis: Although existing research discusses companies that are doing business outside their domestic market, the relevant literature concentrating on the banking industry in one bank focusing on the managerial practices is still relatively sparse. These topics are covered in this study. Key words: Banking industry, Culture, Management, Organizational structure, Motivation

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Liu, Yang. "The relationship between organisational culture and effectiveness in the Western Cape banking industry." Thesis, Cape Peninsula University of Technology, 2012. http://hdl.handle.net/20.500.11838/983.

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Thesis (MTech (Business Administration))--Cape Peninsula University of Technology, Date Unknown
Organisations in many industries, such as energy, banking and electronics, have faced increasingly complex and changing environments brought about by deregulation, technological revolution, foreign competition and unpredictable markets. Key to the success of these organisations is the development of a particular culture for the organisation. A well-conceived and well-managed organisation culture closely linked to organisation success, can also mean the difference between success and failure in the present demanding environment. Organisational culture has been assumed to have important implications, not only for the individual's affective reactions to organisational life, but also for organisational effectiveness. This study investigates the relationship between organizational culture and effectiveness in the Western Cape banking industry. Beginning with an existing model of organizational culture and effectiveness, the paper presents a linked study. The study uses survey data from six organizations designed to test the applicability of the model in the context of the Western Cape banking industry. The results support Denison's findings, namely that organisational culture has a positive impact on effectiveness. The discussion includes several recommendations for future research.

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Al-Shammari, Atiya Jadan Salem. "Management development practices and national culture : the case of the Bahraini banking sector." Thesis, Connect to e-thesis, 1994. http://theses.gla.ac.uk/831/.

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Thesis (Ph.D.) - University of Glasgow, 1994.
Ph.D. thesis submitted to the Department of Management Studies, University of Glasgow, 1994. Includes bibliographical references. Print version also available.

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Zhou, Lu, and Chenyun Qiu. "Cultural Influence on Customer Expectation to Swedish Banking Service : Study of Swedish Banking Industry." Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-6227.

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This thesis is a part of a larger collaboration between students during the spring semester of 2009. The aim was to work together in order to collect more data and allow deeper analysis in the specific area chosen by each student-group. The goal was to come up with advice for banks on how to target immigrants in Sweden. During this process a common theoretical framework was decided on and a questionnaire was developed. The questionnaire was written in English and later translated to several other languages in order to reach some of the target groups that were not fluent in English. The chosen structure of each paper was to write it more like an article than a “traditional” master thesis.

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Gabayi, Simiselo Albert. "The role of organisational culture in fostering work life balance in business and private banking." Thesis, Nelson Mandela Metropolitan University, 2017. http://hdl.handle.net/10948/15204.

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The current socio-economic climate has induced stress on organisations and employees, since they are expected to double their efforts with limited resources. Organisational culture poses a challenge to employees, especially in a high-pressure environment. A highly competitive environment demands organisations that have the ability to change constantly to ensure sustainability. This has resulted in employees feeling that organisational culture has changed to that of sales culture with disregard for people resulting in a lack of work-life balance (WLB). This study intends to contribute to developing a framework of how organisational culture could support work-life balance. When negative in nature, organisational culture can impact negatively on organisational performance and quality of work-life causing best workers to leave. The problem identified by this study is a poor organisational culture in banking that may discourage work-life balance practices. When an organisations’ primary focus is on sales and less on people, this leads to work-life imbalances. A comprehensive questionnaire was developed for this study to establish the perception of employees towards organisational culture and work-life as an aspect of employee wellness. The total sample was forty-four (44) respondents who are from business and private banking space of the four major banks. The results showed that the type of organisational culture that is prevalent in business and private banking is a combination of market and hierarchy culture. Job satisfaction is also positively correlated to organisational culture. Management must ensure that the workforce is satisfied in order to create a positive culture. A positive organisational culture has a positive influence on employees, attaining the desired work-life balance in business and private banking space.

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Kuroiwa, Seiichi. "The effects of culture on banking strategy : a study of three banks in three countries." Thesis, Massachusetts Institute of Technology, 2006. http://hdl.handle.net/1721.1/37116.

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Thesis (S.M.)--Massachusetts Institute of Technology, Sloan School of Management, 2006.
Includes bibliographical references (leaves 162-166).
Every company pursues a different strategy, and banks are no different. In the banking industry, each bank performs its business based on its own business strategies. Japanese banks have different strategies, but in terms of Japanese banks as a whole, there is little difference among them. From my prior work experience in Germany, I became aware of obvious differences between Japanese banks and German banks in terms of thought processes and doing business--despite being in the same industry. I believe cultural issues have a significant effect on each bank's strategy. The diverse strategies among banks have evolved from the various ways of thinking, sensing, and doing, which are formed based on deep-seated cultural values or assumptions in each country. In this thesis, in the first section, I discuss a specific system implementation project, which provides a framework for identifying fundamental problems and developing a theoretical approach toward the problems. Then I analyze the cultural effects on Japanese, German and US banks, comparing the data analysis and personal interviews among three banks.
(cont.) My desire is to shed light on the differences among banks in three countries and to reveal the reasons for such differences. It is hoped that this will give Japanese banks a substantial push so that they will differentiate themselves before global competition becomes even more severe.
by Seiichi Kuroiwa.
S.M.

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Altwaijri, Ahmad Saleh. "Marketing strategies and national culture : an empirical investigation of customers' acceptance of the online banking channel in the context of Saudi national culture." Thesis, Brunel University, 2015. http://bura.brunel.ac.uk/handle/2438/13835.

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Technology and the development of the Internet has led to greater awareness among organisations of the role the Internet can play in improving services through online channels. Banks, financial institutions and the relevant government authorities in the Kingdom of Saudi Arabia (KSA) have made great progress towards improving their e-services; however, these efforts came with a lack of theoretical background concerning the main challenge, which is to encourage customers to accept Online Banking (OB). This research has explored these concerns, with the aim of providing better understanding of the salient factors affecting people's acceptance and adoption of OB technology within the specific national cultural context of Saudi Arabia. The literature suggests numerous factors as determinants of people's technology adoption in general and OB in particular. This study employs a qualitative approach to narrow down and identify factors that did not emerge in the literature, to arrive at the most appropriate ones. The qualitative stage of the research involved a combination of two focus groups (14 participants) and eight semi-structured interviews. After accomplishing the first stage, a model was proposed to explain the factors affecting user acceptance of technology in the context of OB in Saudi Arabia comprising eight constructs (Perceived Usefulness, Resistance to Change, Perceived Trust, Perceived Usefulness, Social Influence, Perceived Quantity, Uncertainty Avoidance and Perceived Image). A cross-sectional survey was developed and distributed, resulting in 945 responses for use in the data analysis (using SPSS 20.0), for descriptive and exploratory factor analysis to extract constructs of the model. To finish, the proposed model and its hypotheses were examined by applying two-stage structural equation modelling. The conceptual model was found to be of value in explaining the role of the chosen factors that affect user acceptance of technology. The research found the seven direct predictors of BI to use OB explained 84.5 percent of BI variance. From the findings, it was found that the most significant predictor of BI was UA, followed by RC then PU. This research contributed to knowledge by providing a new e-service adoption model involving the impact of national culture. The newly proposed factors (PQ and UA as determinants) helped understand users‟ e-behaviours in KSA where research is seriously under-developed. The research limitations and recommended further efforts are finally presented.

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Yahia, Salem Ahmed Mohamed. "Service quality in the context of the Egyptian Islamic banking industry." Thesis, University of Gloucestershire, 2011. http://eprints.glos.ac.uk/3284/.

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This study re-conceptualises service quality in an Islamic context. The conceptual framework underpinning this re-conceptualization sees service quality as a process which emanates from the management of an organization and how the philosophy of this organization is operationalized in the delivery of its services. As such, frontline employees are key elements in service delivery, and contributors to the quality of the service. In the Islamic context, in areas such as service quality, banks' management should understand that the perspective of Islam requires other distinctive services to be provided in addition to functional banking services. These are not limited to the narrow view, namely providing the traditional services and being in compliance with the legal side of Islamic law. The wider meaning includes other services such as social responsibility, contribution to the development of society and the distribution of Islamic financial knowledge. With regard to employees, especially frontline employees in the area of service quality, the Islamic philosophy should mean that considering Itqan (quality is the synonym for this term) should be understood as both a functional and religious duty. Employees' dealings with customers should extend beyond the functional aspects to an approach where customers are considered as `friends'. To investigate this framework, the current research was applied to Egyptian Islamic banks. It used mixed method- interviews with frontline employees and questionnaires distributed to customers, as well as support from field notes and examination of banks' websites. Egyptian Islamic banks, including their employees failed to understand, embody or practice the Islamic perspective on service quality. In the case of management, the failure was evident in issues such as an imbalance between providing functional and distinctive Islamic services. Customers' views were positive about the functional aspects of services and the legal side of financial transactions, but their views on the distinctive Islamic services were negative. Although employees confirmed that quality has Islamic roots represented in the term of Itqan (quality is the synonym for this term) as an inherent duty, the practice of this concept was not apparent to customers. To re-conceptualise service quality in the Islamic context, Islamic banks, including their employees should understand that customer praxis, the process by which the Islamic perspective on service quality is translated into action, was the most important dimension from the customer perspective. The instrument suggested to measure service quality generally and apart from the Islamic context, should be a customized scale that is context, country, industry and religion specific at a particular time.

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Mir, Sitwat Zahra. "Towards Understanding The Impact Of Organizational Culture And Risk Management In Banking Sector In Developing Countries." Thesis, KTH, Tillämpad maskinteknik (KTH Södertälje), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-163394.

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Shams, Nabeel Mohammed. "Culture and risk : perception and acceptability of risk of Riba in banking among teachers in Bahrain." Thesis, University of Stirling, 1996. http://hdl.handle.net/1893/2171.

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The purpose of this thesis was to provide insights into the consumer's perception of the risk of Riba (the Islamic prohibition of baking interest) and its influence on consumer's bank patronage. In Bahrain, the Conventional and the Interest-free banks operate side by side representing different philosophies of business and operation. Selecting a conventional bank requires Muslim customers to negotiate the risk of jeopardizing religious convictions, and selecting an Interest-free bank requires customers to adjust to possibilities of losing some of their convenience, time, services quality, and perhaps their money. Specifically, this study explored the interaction of risk perception (ethical and performance) with the banking patronage and a host of attitudinal and behavioural correlates in banking among the Bahraini customers. The study surveyed a random sample of customers from the population of Muslim teachers by means of Questionnaires. Risks of ethical, ideological and religious nature were identified These were new risks that extended the perceived risk research. Findings were reported about the public reaction to Riba as a threat and customers' concerns about it. The analysis also used attitudes, beliefs and world views, worrying, sin perception, religious orientation, Riba charactenstics, banking knowledge, social relations and contexts, as well as the risk handling activities to explore their influences on the perceived risks and banking patronage.

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Nitsche, Svenja. "Creating an Ethical Organizational Environment in Banking." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/3625.

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An ethical organizational environment ensures a trustworthy organization. This case study explored strategies that banking managers in the United Arab Emirates used to create an ethical organizational environment, one that emphasized the inclusion of ethical values, moral principles, and commitment to society. The target population included senior managers who created and implemented strategies to ensure employees adopted the ethical values in pursuit of an ethical environment. Ethical climate theory provided the conceptual framework for this study. Interviews with 5 managers and company documentation contributed the data for this research. Data were analyzed following inductive investigation and case description. Connecting corporate values with measurable indicators emerged as the most prominent strategy among these 5 managers. Translating soft value statements into hard performance factors allowed for the creation of an ethical environment that signaled consistent messages about appropriate behavior. Employee engagement was another prominent finding. Providing opportunities for informal interaction allowed employees to establish relationships and facilitated cross-functional collaboration. Other important strategies were related to maintaining transparency and leadership role-modeling. Implications for positive social change include the potential to regain trust in banking by providing banking managers with a guideline to create an ethical organizational environment.

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Turbak, Karolina, and Uliana Kovaleva. "The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality among the Customers with Swedish, Polish and Russian Backgrounds. : Study of Swedish Banking Industry." Thesis, Mälardalen University, Mälardalen University, Mälardalen University, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-6278.

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Date: May 29, 2009

Course: Master thesis, EFO705

Authors: Uliana Kovaleva, 830906, Karolina Turbak, 850710

Tutor: Tobias Eltebrandt

Title: The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality among the Customers with Swedish, Polish and Russian Backgrounds.

Strategic question: How important is the customers’ ethnic background, culture and level of acculturation when choosing a provider of financial services?

Research questions: If customers with Polish and Russian origin differ in their perceptions of the service quality attributes from Swedish customers, what kind of influence do culture and the level of acculturation have on their perceptions of service quality?

Method: Apart from secondary data, the questionnaire results were collected as a source of the primary data. The study was conducted using both quantitative and qualitative methods. The questionnaire results were analysed in SPSS by applying T-tests, and the answers for the open-ended questions were analysed additionally.

Theoretical Framework: The theories which were used include service quality dimensions, Hofstede’s cultural dimensions and the level of acculturation. The results of previous studies addressing the cultural influences on the service quality were applied extensively. The theories were chosen according to the purpose of the study and used in analysis in a comprehensive way.

Conclusions: According to the study culture and the level of acculturation have influence on the perceptions of service quality. The Polish and Russian customers with the low and medium levels of acculturation have lower overall service quality perceptions compared to the highly acculturated customers with foreign background and Swedish. In particular, the perceptions of assurance and empathy dimensions are significantly different between the studied groups.

“The impact of cultural recognition on service‐consumtions among customers in Sweden with foreign background.”

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nola, Oluremilekun Adunola Oluremilekun. "The inter-relationship between organisational culture and workplace stress : an empirical study of the Nigerian banking sector." Thesis, University of Surrey, 2006. http://epubs.surrey.ac.uk/592/.

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Aslam, Hussan. "From panacea to public enemy number one : exploring banking culture in the aftermath of the financial crisis." Thesis, Keele University, 2017. http://eprints.keele.ac.uk/3777/.

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The 2008 global financial crisis has been estimated to have resulted in losses of $4.3 trillion dollars to global banking institutions (Castells et al. 2012). The crisis placed the spotlight on banking culture (Moore 2012, 2013; Peston; 2013; Smith 2012; Salz 2013 Spicer et al. 2014; Deloitte 2013; CIPD 2013;) with claims that the causes of the crisis transpired from the ‘very heart of its [banking industry’s] culture’ (FT.com 2014). In the aftermath banks have attempted to introduce cultural change programs to encourage the right behaviours and conduct in an attempt to reduce wrongdoing and misbehaviour. This thesis critically explores mainstream perspectives of organisational culture (Peter and Waterman 1982; Deal and Kennedy 1982) in the context of the banking industry. Mainstream perspectives on culture were encapsulated by the idea that culture can be shaped and modified by management to produce a ‘strong culture’, which would in turn increase commitment, productivity and profitability (Wiener 1988; Parker 2000; Kilmann 1985; Du Gay 1996). Thirty years on since cultural engineering’s initial introduction, practitioners and industry ‘experts’ continue to buy into the virtues of strong culture management, portraying it as a panacea to the banking industry’s problems (PwC 2016; Salz 2013; CIPD 2013). Therefore, this thesis aims to revisit the topic of organisational culture in order to look at how the banking industry has approached culture management post-crisis. This thesis will draw on Foucault’s work on power, discipline and discourse (1977; 1978; 1980) to provide a framework that allows for an exploration into the complexity and ambiguity of culture, arguing that organisational culture is mutually constructed through contesting power relations and the interactions of organisational members. In order to interpret and analyse the empirical data, this thesis developed the concept of performance discourse. This thesis argues that performance discourse influences conduct and behaviour at a taken for granted routine level. It is predicated on competition, financialization of the individual, internalising responsibility and the intensification of work and elitism. Performance discourse goes beyond the dualism that views culture as either a thing or as a metaphor discussed in previous studies. In so doing, it helps us to make sense of why the idea that culture is still a ‘thing’ and a tool for managerial manipulation still dominates industry perceptions, fuelling the continuing, widespread belief that culture is installed top-down.

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Robin, Nikolausson, and Edin Kristoffer. "The sustainable banking inudstry : factors associated with sustainable innovation." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-447400.

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TITLE: The sustainable banking industry - factors associated with sustainable innovation. FINAL SEMINAR: 2021-05-26COURSE: Master thesis in Business & Management - Organization at Uppsala University. AUTHORS: Kristofer Edin & Robin Nikolausson. ADVISOR: Josef Pallas.KEYWORDS: Sustainable innovation, Internal factors, External factors, Regulations, Technology, Market demand, Organizational culture, Market opportunities, Internal collaborations, Managerial dedication, Knowledge management.PURPOSE: This thesis aims to study factors associated with the development of sustainable innovation in the banking industry. Moreover, the ambition is to bring relevant findings and support for previous findings related to the information gap about how factors are associated with sustainable innovation and how they correspond to each other.METHOD: This research is using a case study methodology where one specific case company is being scrutinized. The study has used an exploratory study approach consisting of qualitative data gathering. Moreover, it is based on an inductive approach. The data consist of both primary data in terms of interviews with employees from the case company and of secondary data from various internet sources.LITERATURE REVIEW: Sustainable innovation, Technology, Regulations, Market demand, Organizational culture, Market opportunities, Internal collaboration, Managerial dedication, Knowledge management.EMPIRICAL FINDINGS: This thesis uncovers that there are both internal and external factors associated with sustainable innovation in the banking industry. The empirical findings thus correspond to the theory as it illustrates that the different factors are associated with sustainable innovation in the case company. However, the correctness of the theoretical suggestions varies in terms of the level of importance concerning the different factors. ANALYSIS AND CONCLUSION:The analysis illustrates that even as the eight factors are associated with sustainable innovation, it is difficult to decide their relative importance as they are not mutually exclusive, but dependent on each other. However, there are some empirical indications that some factors, such as market demand and organizational culture, are more dominant in the relationships among the different factors.

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Boissel, Charles. "Essays in Empirical Corporate Finance." Thesis, Université Paris-Saclay (ComUE), 2018. http://www.theses.fr/2018SACLH008/document.

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Cette thèse réalisée au sein du département finance d’HEC Paris est constituée de trois parties. La première s’intéresse à la résilience des chambres de compensation en temps de crise. C’est un travail réalisé avec François Derrien, Evren Örs et David Thesmar dans lequel nous montrons que le manque de régulation de ces acteurs conduit à une détérioration de la confiance qui leur est accordée quand les conditions macroéconomiques se détériorent. Ceci impacte alors négativement leur capacité à assurer une liquidité suffisante sur le marché interbancaire. Le deuxième chapitre porte sur l’impact de la concentration du secteur bancaire autour de quelques grands groupes sur l’allocation macroéconomique du crédit. J’y développe une approche innovante pour répondre à cette question et montre que cet impact est limité: les chocs idiosyncratiques des "big players" n’ont qu’un rôle limité dans la fluctuation du crédit aggrégé. La dernière partie est un travail réalisé avec Adrien Matray et Thomas Bourveau. Nous nous intéressons à la transmission de la culture du risque au sein du secteur bancaire et montrons que les filiales d’un groupe bancaire tendent à converger quant à leur évaluation du risque futur. En retour, cela peut amener à une sous-évaluation de ce dernier et impacter la stabilité financière
This thesis is divided into three chapters. The first one deals with Central Clearing Counterparties (CCPs) and their resiliency in crisis times. This is a joint work with François Derrien, Evren Ors and David Thesmar. Focusing on CCPs backed repo trades during the eurozone crisis, we show that the market factored in the default of CCPs. In turn, this affected their capacity to ensure liquidity in the interbank market. Our results have strong consequences for the way CCPs should be regulate. The second chapter aims at quantifying the impact of the rise of the concentration in the banking sector on aggregate credit fluctuations. Building on novel empirical approach, I show that big players’ idiosyncratic shocks have a limited impact on aggregate credit. The explanation lies in the fact that the strength of banking groups idiosyncratic shocks is limited compared to aggregate and subsidiaries level ones. The last chapter, a joint work with Thomas Bourveau and Adrien Matray, focuses on the transmission of corporate risk culture. We show that subsidiaries of the same banking group tend to assess future risks in similar ways. In turn, this gives insights on how banking crisis can spread be fueled by corporate risk culture

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Dalati, Serene. "The relationship between leadership, organizational culture and job satisfaction : the empirical evidence from retail banking industry in Wales." Thesis, Bangor University, 2008. https://research.bangor.ac.uk/portal/en/theses/the-relationship-between-leadership-organizational-culture-and-job-satisfaction--the-empirical-evidence-from-retail-banking-industry-in-wales(f326e071-012e-4c9c-a58a-9d3acddce9e2).html.

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This study examines the relationship between managerial leadership, organisational culture and job satisfaction in organisations. The first section of the study examines three leadershipb ehavioursw hich are visionary, communicativea nd team-oriented leadershipb ehavioursT. he seconds ectiono f the study examinesfo ur dimensionso f organisationacl ulture. Thesed imensionsa re task vs. peopleo rientedc ultures,o pen vs. closed communication system cultures, tight vs. loose control system cultures and individual vs. collective cultures. This research benefits from the combination of qualitative and quantitative research methodologies. The sample of the study is selected from six commercial banks that provide retail banking services in Wales. The unit of analysis for this research is bank branch mangers. The first proposition of the study examines the relation between visionary, communicative and team- oriented leadership and task vs. people oriented cultures, open vs. closed communication system cultures, tight vs. loose control system cultures and individual vs. collective cultures. The correlation analysis between managerial leadership behaviours and organisational culture dimensions shows strong and significant relation in certain organisational aspects and negative relationship in other aspects. The correlation analysis between organisational culture and job satisfaction shows strong positive significance in certain dimensions like the correlation between individual vs. collectivec ulturesa ndj ob satisfactiond imensions.

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Al-Ghamdi, Abdullah. "Students' perceptions of, and loyalty towards, internet banking : the case of the Kingdom of Saudi Arabia and the United Kingdom." Thesis, Brunel University, 2012. http://bura.brunel.ac.uk/handle/2438/11996.

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The contribution of this study based on the development of a cross-cultural universal framework, which is moderated by the culture dimension (uncertainty avoidance) and examines the factors influencing the individuals’ attitudes and behaviour and, ultimately, the individuals’ loyalty towards Internet banking across different countries (KSA and the UK). The study will contribute towards filling the gap in Internet banking literature by: 1) examining customers’ loyalty as a dependent variable of intention; 2) invariant acceptance of customers across the UK and KSA cultures; 3) and integration of the cultural dimension (i.e. uncertainty avoidance) and demographics (i.e. gender and experience) as factors of invariance across the groups. The framework is based on a number of constructs adopted from the validated theories in information systems (IS), psychology and marketing literature perspectives. Specifically from a psychology perspective, using Theory of Reasoned Action (TRA) and Social Cognitive Theory (SCT) constructs, Attitude, Intention, Subjective Norms, Self-efficacy and Actual Behaviour (i.e. intention towards loyalty) were integrated. From a technological perspective, using Technology Acceptance Model (TAM) constructs, Perceived Usefulness and Perceived Ease of Use were integrated. Besides these constructs, the model also integrates constructs of privacy, security, communication, customers’ experience, Internet banking reputation, trust and loyalty from IS, as well as a marketing perspective. To examine the hypothetical relationships within the conceptual model, this study applied the positivist philosophical approach with quantitative methodology. Out of 1000 questionnaires distributed amongst undergraduate students in UK and KSA, 532 were useable, i.e. 53%. Due to the multilevel stages of the conceptual model, structural equation modelling (SEM), based on analysis of moment structure (AMOS), was applied to analyse the data. In addition, invariance analyses were applied to see the differences across the groups (i.e. moderation effect). Initially, sixteen hypotheses were developed in the model but due to the merger of three constructs (i.e. trust, security and privacy ) into one construct (i.e. trust), and the deletion of three constructs (i.e. communication, customers’ experience and Internet banking reputation) at the confirmatory factor analysis (CFA) process, eleven hypotheses were finally retained for examination. The modification indices (MI) suggested three new paths, and hence, the addition of these new hypotheses brought the number up in total to fourteen hypotheses. The results suggest that the conceptualised model was able to fit with the data in both UK and KSA sample. Within the KSA sample, the model explained 45% variance in customer loyalty, but 60% in UK sample. From the path relationships perspectives, out of fourteen hypotheses ten were supported in the KSA and nine were supported in the UK. The results confirm the study’s argument that customer loyalty is the main construct of individuals’ behavioural intention to accept Internet banking. Within specific countries’ context, after behavioural intention, perceived ease of use was a more important predictor of loyalty in the KSA (i.e. b= 0.28); whereas perceived usefulness was a more important predictor of loyalty (i.e. b= 0.27) in the UK. Furthermore, it was noticed that subjective norm towards behavioural intention, perceived usefulness and ease of use was only significant in the KSA sample. The invariance analysis across the countries revealed significant differences between the KSA and the UK for nine hypotheses. Furthermore, invariance analysis also revealed significant differences across the cultural dimension of uncertainty avoidance (i.e. high and low), and the demographical variable of gender (i.e. male and female). Contrary to this, no difference was found for the demographic variable of experience (i.e. high and low). Based on these results, theoretical and practical implications are advised.

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Chan, Chao Tong. "An empirical investigation into organizational culture of banks in Macau." Thesis, University of Macau, 2004. http://umaclib3.umac.mo/record=b1636207.

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Metle, Mesha'l Khamees M. M. "The influence of traditional culture and demographic characteristics on job satisfaction among Kuwaiti women employees in the Kuwaiti banking sector." Thesis, University of Glasgow, 1995. http://theses.gla.ac.uk/2473/.

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This study explores the relationship between some demographic characteristics and job satisfaction among Kuwaiti women employees in the Kuwaiti private banking sector. The analysis is focused on the responses of the female employees to their own jobs as indicated by their level of job satisfaction. Specifically, the research involved a stratified sample of the Kuwaiti women employees in the whole private banking sector in Kuwait. This study differs from previous investigations of job satisfaction in three principal ways: in dealing with the private sector (rather than the more common public sector in studies of the Middle East), in incorporating the environment as well as traditional culture, in taking into account demographic variables such as age, education, family status (i.e., marital status, number of children, children's ages, and presence of servants at the household) in the private sector work setting. The thesis builds on a large body of earlier work on job satisfaction, using well developed concepts in a new context. In relation to previous work in this area, this study clearly builds upon the evolving demographic, environmental approach to work. Recent research in job satisfaction has focused on job redesign or on job characteristics such as task variety, job autonomy and so forth as the primary means of increasing job satisfaction. The major findings of this research indicate that a much broader approach towards increasing satisfaction than focusing on the job itself is required. The thesis shows that traditional culture, as well as the respondents' demographic characteristics is of substantial importance in predicting and affecting job satisfaction. Indeed traditional culture explains much of the variance in job satisfaction through affecting the perceptions of the employees toward their work.

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Al-Wehabie, Abdullah. "Motivation of bank employees and effects of culture in the Islamic banking sector : a case study of Al Rajhi Bank." Thesis, University of Hull, 2011. http://hydra.hull.ac.uk/resources/hull:10761.

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Motivation has been thoroughly explored by researchers in many social science disciplines, including business studies in general and human resources management in particular. The primary purpose of the research reported here is to investigate how culture affects motivation within the context of Saudi Arabia and its Islamic banking sector, with reference to workers at branches of Al Rajhi Bank in Riyadh. This research adopts an epistemological interpretive perspective. Epistemology is primarily concerned with how we understand the world and our interpretation of what is happening. Thus this research is that of a practical epistemology as it looks at how workers at the bank interpret their lives through daily practice. Thus it has an ultimately practical aim: to make recommendations as to ways in which the Al Rajhi management could improve the motivation and thus the performance of its workforce. A qualitative approach is adopted, drawing on semi-structured interviews and focus group discussions with managers, supervisors and employees of the bank. The study examines motivational theories in a practical context with particular reference to major cultural dimensions, especially religion, which is found to play a very important role in the Saudi context. It explores the complex relationship between Islam, culture and gender relations in the workplace. Among the many constraints on this project were that it was impossible for the male researcher to interview female employees face to face, as he did with male respondents. The notion of culture is difficult to integrate within the context of motivation, since they are two separate phenomena that are studied and researched by distinct groups of writers and scholars. The study is nonetheless able to conclude that culture appears to affect motivation at work quite differently in the present context from that to which Western motivational theories apply, largely because culture in Saudi Arabia is closely bound up with religion. Islam influences and defines Saudi culture much more strongly and directly than is accounted for in most Western motivational theories. Indeed, Saudi culture cannot be defined without reference to Islam. Management theories have been developed in the West through empirical studies that have shaped Western notions of motivation and which cannot therefore be straightforwardly applied in the Middle East. This thesis argues that such theories may nonetheless be partially and validly applicable to the Saudi context, in spite of the fact that its culture and society are dominated by Islamic values. This research contributes to existing work in the management field on motivation and culture. An extensive body of knowledge relating to these two topics has been identified and coordinated in the process. This, it is envisaged, will inform organisational policies in the Saudi banking system. It is anticipated that the study will help to achieve a degree of understanding of motivation at work that are applicable to the Saudi Islamic banking sector.

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Twardowska, Magdalena. ""Dashed hopes, bruised egos" : professional identity in investment banking in the context of the 2008 financial crisis." Thesis, University of Essex, 2015. http://repository.essex.ac.uk/17116/.

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The financial crisis of 2008 and the subsequent economic collapse has helped bring scholarly attention on a sociological dimension of financial markets (Mackenzie 2009, Stark 2009, Knorr Cetina and Preda 2012). Despite recent research advancements in this area, however, the understanding of how financial markets are organised and reproduced remains limited. In particular, there is very little about the individual actors in the markets, how they think and act, and how they make sense of social context or how their experience is within it. This thesis contributes to addressing these questions by focusing on how investment bankers construct their professional identities and in particular, how did this process look like during the financial crisis of 2008. Three main areas are investigated: (i) what resources investment bankers draw on to construct their professional identities, (ii) what motivates them to do so, and (iii) how the process has been demonstrated through bankers’ lived experiences of the crash. To this end, the research integrates literature from the field of sociology of financial markets and identity. I argue that looking at professional identity construction through the lens of Honneth’s (1995) theory of struggle for recognition allows for a better understanding of the political nature of the intersubjective relationships in markets, alongside some of the pathologies that may develop in the periods of enhanced uncertainty. Methodologically, I conceptualise identities as narratives, in particular drawing on Ricoeur’s ( 1988) work on narrative identity. The analysis rests on the investment bankers’ accounts of their experiences of the crisis. By exploring how they have constructed their subjective understandings of reality and how they incorporated these into their professional identity narratives, the thesis advances the understanding of markets as political arenas of values, emotions and power games. I explore a number of frames the bankers used in order to position their identities within the workplace; including smartness, sacrifice, ambivalent status of money and temporality. I demonstrate that identity construction is inherently political and based on a fragile structure of systemic trust and interpersonal trust relationships. Threatened by the crisis, the bankers responded by creating liminal spaces in an attempt to re-align the identity narratives. The findings bear theoretical implications. Firstly , I argue that trust is a missing component in the theory of recognition when it deals with social cooperation. Secondly, I argue that as recognition normatively regulates social interactions in markets, actors are first and foremost power maximisers. I show that influencing expectations becomes, therefore, a central task for actors in the markets, leading to the development of reified identities. As a result, the emergent liminal spaces are shown to be arenas of the inherent struggle for recognition.

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Schumann, Jan H. "The impact of culture on relationship marketing in international services a target group-specific analysis in the context of banking services." Wiesbaden Gabler, 2009. http://d-nb.info/995886458/04.

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Annink, Marit. "Investment Banks in Sweden : Careers in a gendered organization culture." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-300172.

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Gender equality is a much-debated topic today with e.g., EU putting pressure on the labour market through Sustainable Financial Disclosure Regulations (SFDR) and the UN through their Sustainable Development Goals (SDG). However, gender equality is not a simple matter of only distributions and setting goals; it also refers to attitudes, norms, values, and ideals that affect the lives of women and men in society. Currently the labour market is implementing policies and taking initiatives for increased diversity however, women are still lagging behind men and women’s hierarchical advancement is experiencing a slowing trend. One industry with a strong male dominance is the investment banking industry, an industry that has been struggling to increase the gender split. Multiple attempts have been taken to recruit more women, but the industry struggles with retention rates and is still a heavily male-dominated sector. To be able to know which policies to implement it is important to understand how the organization is gendered and to understand its willingness to change. What happens within organizations can also be seen in society, politics, and media. Research on gendered organizations provide visibility and nuance on how gender is created by society. This research has studied how the industry investment banking is gendered and the perspective on change. The study has been conducted through a qualitive method using structural interviews with guidance of Sarah Rutherford’s model on excluding factors. The interviewees were employees on a junior level in the hierarchy, at different investment banks in Sweden. The study shows an industry with multiple cultural aspects that can work as excluding towards women; the long-hour culture, language & communication, work ideology and gender awareness. The study found both a denial and unawareness of the existing gendered process. The junior team themselves were a mix of different resistors: open, hidden and neutral. There was also a strong belief that the inequalities would fade over time and that they were heavily dependent on the gender split rather than the terms and conditions at the workplace.
Jämställdhet är idag ett omtalat ämne som engagerar samhällen på alla nivåer, Eu med sin Sustainable Finance Regulation (SFDR) som ämnar sätta press på arbetsmarknaden och FN med deras Sustainable Development Goals (SDG), är bara några exempel på samtida engagemang. Jämställdhet är dock inte så enkelt att det kan reduceras till betraktandet av distributioner och målsättning; det refererar också till attityder, normer, värderingar och ideal som påverkar kvinnor och mäns liv i många delar av samhället. Arbetsmarknaden arbetar aktivt med att implementera policys och ta initiativ för att uppnå jämställdhet. Det pågående arbetet till trots kan vi dessvärre se en negativ och avtagande trend vad gäller kvinnors avancemang i professionella hierarkier och fortsatt hamnar steget efter män i dessa miljöer. En av många mansdominerande branscher är investment banking, en bransch som länge kämpat med en ojämn könsfördelning. Flera försök till att rekrytera kvinnor till branschen har gjorts men dessvärre utan önskat långsiktigt resultat då man bland annat har problem att behålla kvinnorna. För att förstå vilka policyer som ska implementeras är det viktigt att förstå hur en organisation är könsmärkt och dess vilja till förändring. Det som sker i organisationer kan också identifieras i samhället, politiken och media. Forskning på könsmärkta organisationer ger insyn och nyansering till hur kön är skapat i samhället. Denna studie har undersökt hur investment bankindustrin är könsmärkt och hur den ser på förändring. Studien har genomförts med kvalitativa metoder där strukturella intervjuer med Sarah Rutherfords modell om exkludering utgör studiens grund. De valda intervjurespondenterna befinner sig på en junior nivå i branschens hierarkisystem och är eller har varit representerade på olika investmentbanker i Sverige. Studien visar en bransch med flera kulturella aspekter som resulterar i exkludering av kvinnor, dessa var; arbetstider, språk & kommunikation, arbetsideologi och könsmedvetenhet. Vidare påvisar studien en existerande förnekelse och omedvetenhet av den könsmärkta organisationen, där respondenterna visade sig vara en blandning av den öppne, dolda och neutrale jämställdhetsmotståndaren. Det fanns också en stark tro på att en utveckling mot jämställdhet sker av sig själv då problematiken upplevdes vara såväl en generations- som en distributionsfråga och inte en fråga om olika villkor och förutsättningar på arbetsplatsen.

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Ftes, Nagah Abdulaziz M. "The process of strategic decision-making in Libyan commercial banks." Thesis, University of Gloucestershire, 2013. http://eprints.glos.ac.uk/2789/.

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The thesis describes an exploration and analysis of the nature of strategic decision-making processes (SDMP) in Libyan Commercial Banks. The role of 'rationality‘, 'intuition‘ and 'political behaviour‘ in five strategic decisions of very high importance were explored in this study, by conducting sixteen face-to-face interviews with senior decision-makers, all closely involved with the decisions, from three commercial banks. Other observations of SDM behaviour and documentary information were also recorded. Field work enabled analysis and interpretation of the perceived influence of `decision importance` on the process, as well as an exploration of the three key influencing factors on the SDMP. Consistent findings for the nature of the process were found for all five decisions. Rationality was a key factor of the process. Considerable efforts were made by key staff to gather and analyse information, discuss issues, as well as engage consultants and seek advice from Commercial Banks outside Libya. This finding appeared to reflect the high importance of the decisions coupled with the inexperience of the senior management group. This lead to some anxiety and, as a consequence, risk-reducing activities. The SDs were based on analysis, advice and past experience, rather than on personal judgement. None of the banks exhibited strong political or intuitive behaviour in their DMPs. Instead there was constructive consultation in making decisions. DM was driven by clear decision motives, the importance attached to the decision, and a committed effort to minimize uncertainty and risk. Other factors considered were that the decisions were financially rewarding, delivered customer satisfaction and employee welfare, as well as being socially acceptable. Analysis of the data has enabled the development of a model which is consistent with an interpretation that places 'anxiety‘ in the senior management group as the dominant factor driving the adoption of a rational approach to DM, with low intuitive or political activity. Anxiety is derived from the crucial importance of the decision, the relative inexperience of the senior management group, and some policy pressure from the Central Bank of Libya to change and modernize banking methods. The availability of resources and time to the senior group, in a generally munificent environment, also made it feasible for senior staff to adopt rational methods of analysis for DM, and as a consequence reduce their degree of anxiety.

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Ezzeddine, Soraya. "Religiosité et acceptation/refus des e-services : Cas du e-banking et du e-ticketing au Liban." Thesis, Tours, 2014. http://www.theses.fr/2014TOUR1011.

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Les études montrent que la pénétration des e-services continue à progresser dans la majorité des pays. Mais ce n’est pas le cas du Liban. En effet, le e-commerce n’a jamais réussi à vraiment décoller dans ce pays atypique. Cette thèse s’intéresse à ce cas particulier. Elle présente une recherche qui a été effectuée sur les antécédents de l’acceptation / rejet des e-services au Liban. Deux e-services ont été choisis: le e-banking et le e-ticketing. L’objectif de cette recherche est donc de souligner l’importance des variables culturelles locales dans le processus d’acceptation du e-banking et du e-ticketing au Liban. Ainsi, pour réussir cet objectif nous avons choisi un positionnement post-positiviste et un design de recherche mixte. Ainsi dans une première phase exploratoire qualitative, nous sommes partis des modèles généraux d'adoption des innovations et d’acceptation/rejet des technologies de l'information et de la communication et nous les avons adaptés au contexte du Liban en ajoutant les spécificités culturelles locales. Ainsi, dix-sept entretiens semi-directifs centrés ont été effectués auprès des professionnels spécialistes du e-banking et du e-ticketing, des consommateurs potentiels choisis au hasard et des hommes de religion. Durant cette première phase qualitative, des questions ouvertes ont été posées sur les e-services et leur acceptation/refus et sur les raisons d'une telle acceptation ou refus. A partir des résultats des entretiens et de le revue de la littérature, nous avons pu proposer un modèle spécifique que nous avons baptisé e-servac (e-services acceptation). Une des particularités de ce modèle est qu'il prend en compte la religion/la religiosité, un concept qui a été rarement étudié en gestion. En effet, la religiosité est la première caractéristique du contexte culturel libanais. Dans une deuxième phase quantitative confirmatoire, le modèle e-servac a été testé empiriquement à partir des données recueillies auprès de 288 libanais utilisateurs potentiels des e-services. Les résultats montrent que les facteurs traditionnels, comme les facteurs cognitifs, affectifs, les influences sociales et les e-compétences techniques sont déterminants et influencent l'intention d'acceptation/rejet des e-services. Les résultats soulignent également l'ancrage culturel de l’acceptation puisque la religiosité intrinsèque et la religiosité extrinsèque ont un rôle saillant dans le processus d'acceptation. Notre thèse détaille, commente et interprète ces résultats
Studies show that the penetration of e-services continues to increase in most countries. But this is not the case of Lebanon. Indeed, e-commerce has never been able to really take off in this uncommon country. This thesis focuses on this particular case. It presents research that was conducted on the history of the acceptance / rejection of e-services in Lebanon. Two e-services have been selected : the e-banking and e-ticketing. The objective of this research is to highlight the importance of local cultural variables in the acceptance of e-banking and e-ticketing process in Lebanon. Thus, to accomplish that goal, we have chosen a post-positivist position and design of joint research. Thus in a first exploratory qualitative phase we went general models of innovation adoption and acceptance / rejection of information technology and communication and we have adapted to the context of Lebanon by adding local cultural specificities. Seventeen semi-structured centered interviews were conducted with professional specialists in e-banking and e-ticketing, potential consumers randomly selected and men of religion. During the first qualitative phase, open-ended questions were asked about the e-services and their acceptance / rejection and the reasons for such acceptance or rejection. From the results of the interviews and the literature review, we were able to propose a specific model we have called e-Servac (e-services acceptance). One feature of this model is that it takes into account the religion / religiosity, a concept that has rarely been studied in management. Indeed, religiosity is the first characteristic of the Lebanese cultural context. In a second confirmatory quantitative phase, e-Servac modal was empirically tested using data collected from 288 Lebanese potential users of e-services. The results show that traditional factors, such as cognitive, emotional factors, social influences and techniques e-kills are critical and influence the intention of acceptance / rejection of e-services. The results also emphasize the cultural roots of acceptance since the intrinsic religiosity and extrinsic religiosity have a salien role in the acceptance process. Our thesis details, comments and interpreting these results

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Bojs, Robert. "A cultural perspective on leadership to face challenges with agile methods : A case study in the Nordic Banking Industry." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264056.

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This paper explores the ideas of culture and leadership as a unified phenomenon and a means to face challenges caused by implementing new ways of working in knowledge intensive organizations. By creating a supportive culture and trusting in employees, managers can give decisive authority to employees, which will increase motivation, and enable managers to focus on strategy and vision. The research was conducted as a case study at one of the larger Nordic banks. The findings suggest that a cultural perspective on leadership can be used to increase motivation, and help understand the challenges of complex organizations.
Den här uppsatsen utforskar idéer kring kultur och ledarskap som ett gemensamt fenomen och som ett verktyg för att bemöta utmaningar som uppstår då nya sätt att arbeta implementeras i kunskapsintensiva organisationer. Genom att skapa en stödjande kultur och genom att lita på de anställda kan chefer beslutande ansvar till de anställda, vilket kommer öka motivationen bland de anställda samt ge cheferna mer tid till att fokusera på att utveckla strategi och vision. Forskningen utfördes som en case-studie på en av de större nordiska bankerna. Slutsatserna i den här uppsatsen pekar mot att kulturellt ledarskap kan användas som ett verktyg för att öka motivation, och för att förstå och bemöta the utmaningar som uppstår i komplexa organisationer.

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Kandil, Tarek Taha. "The impacts of culture on cross-border mergers and acquisitions post-financial performance in the banking industry using multi-group structural equation modeling." Thesis, University of Plymouth, 2011. http://hdl.handle.net/10026.1/537.

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This thesis is concerned with the impacts of national culture on the cross-border-mergers and acquisitions performance in the banking industry across Egypt and UK through studying the role of the human side as a mediator variable. The main conceptual framework has been developed based on the GLOBE cultural project. It perceives the national culture as a multi-dimensional construct that interacts between levels. The thesis consists of a mixed methods approach which investigated international mergers and acquisitions by banks in Egypt and the UK from 2004 to 2007. The data collection process was carried out between June 2008 and November 2009 and was divided into three Phases: 1) desk research on the Egyptian and British banking industries; 2) 6 interviews with middle managers in both countries, and 3) (876) returned questionnaires (in Egypt and in the UK) of three mediating multi-sample groups (middle managers, employees and customers). The data analysis process involves analysing the case studies using pattern-coding, triangulation data methods and two distinct statistical methods: multiple regression analysis and multi-group structural equation modelling to test the hypothesised models. The analysis techniques used examined the significance of the differences of the two national cultures and their impacts on cross-border banks. For purposes of quantitative testing of bank-level cross-border MERGERS AND ACQUISITIONS post performance was examined using two distinct multi-dimensional constructs: between multi-group (middle managers, employees and customers) and within groups (the two nations). The findings seem to suggest that post-MERGERS AND ACQUISITIONS performance in the banking industry across nations has been influenced by very distinguishable cross-cultural leadership behaviours in each country. The findings of the qualitative and quantitative data analysis are consistent. The multiple regression findings indicate that the impact of v cultural distance on cross border acquisition performance varies with the level of post-acquisition integration, with cultural distance reducing performance to a larger extent at high levels of integration. These findings are consistent with previous researchers. However, in the Egyptian banking sample, the impact on the Egyptian leadership style has more positive impacts of the Egyptian shared understanding vales of Egyptian banking staffs than the British banking leaders. On the other hand, the British leaders, in the British banking sample, show a strong interaction between banking managers and employees, and between the leadership and the perceived services quality of the British customers. The multi-dimensional cultural interface developed from the literature has been supported by the findings of the research. It shows the complex interactions of national culture on the post-cross-border MERGERS AND ACQUISITIONS financial performance in banking industry. The thesis suggests that by charting the culture-financial performance relationship, it may be possible to anticipate certain behavioural patterns of leaders, employees and customers for each country.

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Kirner, Benedikt. "The ethical focal point of moral symmetry – a heuristic to analyse risk culture and misconduct in banking: Demonstrated on three recent misconduct cases." HHL Leipzig Graduate School of Management, 2020. https://slub.qucosa.de/id/qucosa%3A74391.

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Many recent scandals in banking highlight the importance and challenges of risk governance due to non-financial risk issues such as misconduct and failed risk cultures of financial corporations. The study of risk culture and misconduct in banking requires addressing questions on corporate governance beyond compliance; next to the empirical level, it is important to focus fundamentally on normative aspects, such as ethical norms and values. The heuristic of the ethical focal point of moral symmetry is developed and used to unravel these complex culture and conduct issues on both the normative and empirical level to differentiate good conduct from misconduct in the banking industry, and to guide leaders and risk-takers in decision-making. Based on three case studies on recent banking scandals, the following main drivers of risk culture and misconduct issues in banking were derived: (i) bad leadership, (ii) decoupling of actions and values, and (iii) ignorance of risk policies due to the complexity and ambiguity of the banking business. Banks are requested to internalize a heuristic such as the ethical focal point of moral symmetry to overcome the issues of misconduct and its spill-over effects on risk-taking and risk culture in the banking industry.

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Sarmento, Eva Seloi Santos. "Cultura organizacional e liderança: estudo de caso em uma instituição pública do setor bancário no Brasil." Universidade do Vale do Rio dos Sinos, 2015. http://www.repositorio.jesuita.org.br/handle/UNISINOS/3791.

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Este estudo se propôs a responder ao objetivo geral de como ocorrem as inter-relações entre cultura organizacional e liderança em uma empresa pública brasileira do setor bancário, por meio de uma survey. Esta dissertação utiliza o Modelo Denison (2012) para investigar sobre Cultura Organizacional e o modelo de Bass e Riggio (2006) para pesquisarliderança transformacional.Foi realizado umestudo deabordagem quantitativa e utilizou-se um questionário validado na realidade portuguesa por Lousã (2013), sendo que a análise dos dados se processou pela ferramenta SPSS V 20. Obteve 964 respondentes e os resultadospermitem verificar quecultura e liderança estão correlacionadas entre si na empresa pesquisada. Pôde-se observar, ainda, que não existem divergências de percepção entre as regiões do país, existindo, porém, diferenças entre líderes e liderados, indicando a existência de subculturas. Além disso, os resultados encontradosmostram que alguns itens considerados estratégicos para a organização não estão sendo percebidos como tal, tanto pelos líderes quanto liderados. Os aspectos relacionados à metas e objetivos em relação à cultura organizacional e motivação inspiracional no que se refere à liderança transformacional, carecem de maior atenção por parte da organização pesquisada. Como estudos futuros, recomenda-se pesquisa sobre inovação para comparar com os resultados da pesquisa realizada em Portugal, bem como um estudo qualitativo que possa verificar se a percepção dos líderes se referem a eles próprios ou aos seus líderes imediatos. Também, se recomenda a realização de pesquisa nas demais áreas da empresa que não foram contempladas neste estudoe uma pesquisa sobre as convivências entre gerações, justificada pela amplitude de idade que a empresa contrata.
This study aimed to investigate how the interrelationships between organizational culture and leadership in a Brazilian public company of the banking sector through a survey. This dissertation uses the Model Denison (2012) to investigate on Organizational Culture and the model of Bass and Riggio (2006) to find transformational leadership. A quantitative approach study was conducted out and used a questionnaire validated in the Portuguese reality Lousã (2013), and the analysis of the data was processed by SPSS V tool 20. Obtained 964 respondents and the results, show that culture and leadership are correlated each other in the company searched. It was observed also that there are no perceived differences between the regions of the country, although there are differences between leaders and subordinates, indicating the existence of subcultures. In addition, the results show that some items considered strategic to the organization are not perceived as such by both leaders and led. Aspects related to the goals and objectives in relation to the organizational culture and inspirational motivation with regard to transformational leadership, require further attention by the company studied. As future studies, it is recommended innovation survey to compare with the results of research carried out in Portugal as well as a qualitative study to examine whether the perception of leaders refer to themselves or their immediate leaders. Also, it is recommended conducting research in other areas of the company that were not addressed in this study and research on the cohabitation between generations, justified by the amplitude of age that the company hires.

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Lam, Wai Wa. "The influence of the development of culture and the arts on the economy of Macau." Thesis, University of Macau, 2003. http://umaclib3.umac.mo/record=b1636235.

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Lizot, Edouard, and S. M. Abidul Islam. "The impact of Privacy concerns in the context of Big Data : A cross-cultural quantitative study of France and Bangladesh." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-75355.

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Background Big Data Analytics take place in almost every sector of new business world. Nowadays, banks are also adopting Big Data to handle the huge number of data that generate every day. Big Data helps banks to provide a fast, personalised service in a cost efficient way. On the other hand, Big Data has some privacy issues as it deals with a lot of data that can be decoded by third party. It is also the case in online banking as it is involved with personal and financial information. Privacy concerns also vary among different cultures. PurposeThe purpose of this cross-cultural study is to investigate online privacy concerns in the context of Big Data MethodologyA quantitative approach has been followed and data were collected through an online survey to understand the relations between variables. ConclusionThe findings indicate that the relationship between the privacy concern and its antecedents differ between France and Bangladesh. Though for both countries, the desire upon transparency showed a significant positive relationship with online privacy concerns. Additionally, for both countries a high privacy concern will not conduct to lower consumer trust and consumer engagement in online baking. The findings involving moderator variables were not significant at al

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Johansson, Elin, and Gabriella Elvin. "The impact of organizational culture on information security during development and management of IT systems : A comparative study between Japanese and Swedish banking industry." Thesis, Uppsala universitet, Avdelningen för datalogi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-324923.

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The objective of this study is to investigate how banks are working with information security by performing a comparative study between banks in Japan and Sweden. Special focus is given to the impact of organizational culture when developing IT-systems. The material analyzed is collected through semi-structured interviews with banks in Japan and Sweden, and additional interviews with professionals within the field of information security. The findings show that banks in both Japan and Sweden take information security seriously, both from a technical and an organizational culture point of view. They have implemented technological countermeasures and try to impose a safety culture by educating their employees. Organizational culture aspects are demonstrated to have a great impact on the development of IT systems from an information security perspective. The development process of IT systems are different between the countries, the Swedish banks have started to use the agile development method, while the Japanese banks still use the more traditional waterfall method. The result also implies that in Sweden there is an open climate and a greater trust between the banks which have lead to collaboration between the major banks and the development of innovative products. In Japan it is more difficult for the banks to create trustworthy relationships and share their information security knowledge to the same extent. The findings strengthen the notion in related research that cultural aspects have influence on how information security is managed.

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Björklund, Sophia, and Olivia Stern. "Managerial differences despite Isomorphic forces : A comparative study of Handelsbanken and Nordea." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-413981.

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In this comparative case study between Handelsbanken and Nordea, the homogeneous industry of banking is investigated together with the phenomena of management consulting. The two banks are scrutinized under the same laws and regulations, offering the same products and services and tend to recruit similar people. Hence, they are under the same isomorphic pressures. At the same time, it has been acknowledged in the media that the two big banks clearly have different opinions towards management consulting, which additionally is a business area that has increased dramatically over the past years. With this in mind it is interesting to examine why the two actors take such different stands towards the usage of management consultants? In order to answer the research question, theories within management consulting, isomorphism, organizational identity and culture are presented. Semi-structured interviews are used as a primary method and the result of our study is twofold. First, the banks have different ideas about what a management consultant contributes with. Second, the result emphasizes the importance of organizational culture to a greater extent than expected. Hence the cultural palette and the existing understanding of management consulting in these two banks are crucial in order to understand the differences within a homogeneous industry.

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Swanepoel, Sybel. "The relationship between organisational culture and financial performance: an exploratory study in a selected financial institution in South Africa." Thesis, Rhodes University, 2010. http://hdl.handle.net/10962/d1003881.

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This research investigates the relationship between organisational culture and financial performance in a selected financial services institution in South Africa. The banking sector as part of the financial services industry contributes to economic growth in the economy. The banking sector in South Africa is highly concentrated, but also highly competitive. It is important for banks to retain their competitiveness and increased global competition places further pressure on banks to perform financially in order to satisfy the demands of shareholders. The literature reviewed and previous studies both suggest that organisational culture is an important variable that influences organisational performance. For purposes of this research, organisational performance will be measured in terms of financial performance. The concepts of organisational culture and financial performance are discussed and a questionnaire based on Hall’s (1988) theory of organisational competence is used to determine the strength of the levels of the dimensions of competence as indicators of organisational culture within the selected financial institution. The financial performance of the branches within the organisation is determined by calculating certain selected financial performance ratios, namely cost-to-income ratio, cumulative leverage and contribution per employee. A correlation analysis is conducted in order to establish whether there is a statistically significant relationship between organisational culture and financial performance. A conclusion is drawn that there is a statistically significant relationship between the organisational culture and the financial performance of the branches of the selected institution and recommendations are made as to how financial performance can be improved by strengthening the dimensions of competence as indicators of organisational culture. These recommendations include specific actions that can be taken by leaders to improve commitment, collaboration and creativity.

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Meesook, Jeerapa, and Jittavadee Boonkhet. "The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality : A Study of Thai – born Customer Segment in the Swedish Banking Industry in Sweden." Thesis, Mälardalen University, School of Sustainable Development of Society and Technology, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-6248.

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Title: The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality. A Study of Thai – born Customer Segment in the Swedish Banking Industry in Sweden

Problem Statement: How important is the customers’ ethnic background, culture and level of acculturation when choosing a provider of financial services?

Purpose: The main purpose of this research is to find out how a service company can measure Thai customer satisfaction and which factors to consider in order to improve their service qualities with respects to cultural dimensions.

Theory and Method: The research is based on the quantitative approach in the form of questionnaires. The structure is developed in accordance to the Service Quality Gap of measuring Thai customer satisfaction by comparing their expectation and perception of service during and after service approach.

Conclusion: From elaborate results of the distributed questionnaires, Thai customers are flexible and have integrated into the Swedish culture; therefore the current level of bank service approach is appropriate to their needs.

Tobias Eltebrandt

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Boonkhet, Jittavadee, and Jeerapa Meesook. "The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality : A Study of Thai – born Customer Segment in the Swedish Banking Industry in Sweden." Thesis, Mälardalen University, School of Sustainable Development of Society and Technology, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-6267.

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Title: The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality.

Problem Statement: How important is the customers’ ethnic background, culture and level of acculturation when choosing a provider of financial services?

Purpose: The main purpose of this research is to find out how a service company can measure Thai customer satisfaction and which factors to consider in order to improve their service qualities with respects to cultural dimensions.

Theory and Method: The research is based on the quantitative approach in the form of questionnaires. The structure is developed in accordance to the Service Quality Gap of measuring Thai customer satisfaction by comparing their expectation and perception of service during and after service approach.

Conclusion: From elaborate results of the distributed questionnaires, Thai customers are flexible and have integrated into the Swedish culture; therefore the current level of bank service approach is appropriate to their needs.

Tobias Eltebrandt

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Lmshate, Khaled. "Le rôle du facteur culturel dans la qualité de service dans le secteur bancaire libyen." Thesis, Clermont-Ferrand 1, 2015. http://www.theses.fr/2015CLF10463/document.

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Le rôle des banques dans l’économie est suffisamment important pour constituer un pilier central de l’économie nationale, et donc, un de leurs objectifs majeur doit être de servir la communauté dans laquelle elles opèrent, de financer et d’encourager l’investissement afin de créer des richesses. Compte tenu de l’importance de ce secteur, il convient de mesurer ses rendements, d’évaluer son efficacité et de tester la qualité de ses services, afin de l’améliorer et de le développer. Notre recherche vise à tester l’effet des facteurs culturels de la société dans le niveau de qualité des services bancaires du point de vue des clients
The role of banks in the economy is very important to be a central pillar of the national economy, and therefore, one of their major objectives must be to serve the community in which they operate, fund and encourage investment to create wealth.Given the importance of this sector, it is necessary to measure its performance, evaluate its effectiveness and to test the quality of its services, in order to improve and develop. Our research aims to test the effect of cultural factors of the society in the quality of banking services from the perspective of customers

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Dočkalová, Dagmar. "Podnikatelská etika v bankovnictví." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2008. http://www.nusl.cz/ntk/nusl-221992.

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The diploma work addresses the application of ethical code into banking. It deals with business ethic and ethical code of Československá obchodní banka, Inc. The thesis analyses the original ethical code of the bank and engages in the implementation of the new ethical code which includes, among others, “The Whistle Blowing Policy”. The diploma work brings a cross-sectional survey of the employees of Československá obchodní banka, Inc. about their awareness and ability to fulfil the principles of the ethical code. The bank was recommended possible solutions based on the results of the survey.

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Ogundoro, Oluwafisayo. "In Search of Work-Life Balance: Organizational and Economic Challenges Confronting Women in Banking and Management Consulting Firms in Southwest Nigeria." Digital Commons @ East Tennessee State University, 2019. https://dc.etsu.edu/etd/3674.

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Married women in the banking and management consulting firms in Nigeria encounter challenges that affect their commitment to their families while working long hours in demanding jobs. This study explores the challenges married women encounter and the impacts they have on women’s family lives, social lives, and health. I analyze primary and secondary sources to understand how organizational work culture such as long working hours, work competitiveness, and Nigeria’s unstable economy negatively affect the work-life balance of married women in banking and management consulting firms. Although participants shared the belief that their workplaces practiced “equality,” their descriptions of daily life activities indicate that women did not enjoy egalitarian conditions at work or at home. This study brings to light the challenges faced by married women and suggests how the Nigerian government can promote gender equality in the workplace through the review and amendment of the Nigerian Labor policy.

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Ribeiro, Kalina Lígena Lira de Miranda. "Mudanças sobre a Cultura Organizacional no processo de transição de Banco Estadual para Banco Privado." Universidade Federal da Paraíba, 2008. http://tede.biblioteca.ufpb.br:8080/handle/tede/3777.

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Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES
The present work has as objective to analize the main changes that occur in the organizational culture of a State Bank that passed for a privatization process, and today are part of a private banking group, with the perspective of the organizational culture based on the Model of Architecture of the Organizational Culture - LANDMARK. The model Landmark brings the culture as a social construction of the collective body, that reflects the auto-image of an organization. The research is characterized as a study of case of descriptive exploratory approach and purely qualitative boarding. The citizens of the research had been the collaborators who had worked in the State Bank and today are placed in the agencies of the Private bank. For collection of the data it was used of half-structuralized interviews. The technique used for interpretation of the data was the analysis of content of Bardin (1977). The results of the carried through interviews had shown that the organizational culture presented well significant changes in all the studied dimensions. In the transition process, the collaborators had lived deeply new practical administrative who had forced a change of behavior in the day the organizational day, resulting in a cultural renewal. One of the main aspects desencadeadores of all mannering process occurred in the dimension necessities with the perspective change that previously the collaborators had its functional stability and currently the main changes in the too much dimensions fight for its permanence in the organization stimulating. In the dimension values, the collaborators had had that to disconfirmed or to substitute the existing values in the State Bank and to assume the new values of the Private bank. As for the dimension knowledge, the collaborators are stimulated by the organization to have a professional formation and search as many common knowledge s how much specific therefore they consider that its current function requires a bigger gamma of knowledge. Finally in the dimension abilities, it was evidenced that when stimulating the professional formation of its collaborators, the company is increasing the intellectual level of each one, with this improves each time its abilities techniques.
O presente trabalho tem como objetivo analisar as principais mudanças que ocorrem na cultura organizacional de um Banco Estadual que passou por um processo de privatização, e hoje faz parte de um grupo bancário privado, com a perspectiva da cultura organizacional fundamentado no Modelo de Arquitetura da Cultura Organizacional - MARCO. O modelo Marco traz a cultura como uma construção social do corpo coletivo, que reflete a auto-imagem de uma organização. A pesquisa caracteriza-se como um estudo de caso de enfoque exploratório descritivo e abordagem puramente qualitativa. Os sujeitos da pesquisa foram os colaboradores que trabalharam no Banco Estatal e hoje estão alocados nas agências do Banco Privado. Para coleta dos dados utilizou-se de entrevistas semi-estruturadas. A técnica empregada para interpretação dos dados foi a análise de conteúdo de Bardin (1977). Os resultados das entrevistas realizadas mostraram que a cultura organizacional apresentou mudanças bem significativas em todas as dimensões estudadas. No processo de transição, os colaboradores vivenciaram novas práticas administrativas que forçaram uma mudança de conduta no dia a dia organizacional, resultando numa renovação cultural. Um dos principais aspectos desencadeadores de todo processo comportamental ocorreu na dimensão necessidades com a mudança de perspectiva que anteriormente os colaboradores tinham sua estabilidade funcional e atualmente lutam pela sua permanência na organização impulsionando as principais mudanças nas demais dimensões. Na dimensão valores, os colaboradores tiveram que desconfirmar ou substituir os valores existentes no Banco Estadual e assumir os novos valores do Banco Privado. No que se refere à dimensão conhecimentos, os colaboradores são incentivados pela organização a ter uma formação profissional e buscam tanto conhecimentos gerais quanto específicos pois consideram que sua função atual requer uma gama maior de conhecimentos. Por fim na dimensão habilidades, constatou-se que ao estimular a formação profissional de seus colaboradores, a empresa está aumentando o nível intelectual de cada um, com isso aprimora cada vez suas habilidades técnicas.

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Garcin, Thibaud. "Contribution à l'évolution d'un bioréacteur destiné à la recherche préclinique cornéenne et la conservation des greffons." Thesis, Lyon, 2019. http://www.theses.fr/2019LYSES055.

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La greffe de cornée a connu plusieurs évolutions, du cadre législatif de l’activité de prélèvement, aux indications et techniques chirurgicales. L’historique allogreffe fraîche a laissé place à l’eye banking permettant des contrôles qualité et sécurité pendant la conservation des greffons. L’hypothermie à 4°C ou l’organoculture, deux mondes de conservation passive diamétralement opposés, co-habitent depuis presque 50 ans, sans pouvoir apporter de solution optimale pour les patients. Dans un contexte de besoins croissants en greffons et d’une pénurie globale déjà importante, le laboratoire BiiGC a proposé un concept innovant : une conservation active grâce à un bioréacteur cornéen.Notre travail de thèse a différents objectifs : 1/ présenter l’état de l’art de la chaîne de la greffe de cornée ; 2/ décrire notre contribution à l’évolution de ce bioréacteur, comparé au gold standard l’organoculture, d’abord sur 1 mois puis sur 3 mois, démontrant sur une large série de cornées humaines, l’ apport majeur du dispositif pour l’eye banking : plus de greffons disponibles et de meilleure qualité, une souplesse logistique plus importante pour les banques de cornées. L’industrialisation du bioréacteur prend donc tout son sens. Le bioréacteur préservant un état cornéen quasi in vivo jusqu’à 3 mois, ouvre le champ des possibles en utilisation préclinique ; 3/ rapporter l’activité nouvelle et spécifique réalisée par les coordonnateurs, avec un double rôle majeur pour l’activité de greffe et la recherche préclinique grâce aux dons ciblés, permettant des expérimentations avec des cornées fraîches comparables à celles greffées
Corneal transplantation has undergone several changes, from the legislative framework of the retrieval activity to the indications & the surgical techniques. The historic fresh allograft has given way to eye banking which allows quality and safety controls during the storage of corneal grafts. Hypothermia at 4°C or organoculture, two diametrically opposed passive conservation worlds, have coexisted for almost 50 years, without being able to provide an optimal solution for patients. In a context of growing graft needs and an already significant global shortage, the BiiGC laboratory proposed a breakthrough : an active storage thanks to a corneal bioreactor.Our thesis work has different aims : 1/ to present the state of the art of the corneal transplant chain ; 2/ to describe our contribution to the evolution of this bioreactor or active storage machine, compared to the gold standard organoculture, over 1 month then over 3 months, demonstrating on a large preclinical series of human corneal pairs the major contribution of the bioreactor to eye banking: more grafts available, better tissue quality and greater logistical flexibility for the eyebanks. The industrialization of our device thus makes sense. The bioreactor maintining a corneal state in vivo-like for up to 3 months, opens the field of possibilities for preclinical use ; 3/ to report the new and specific activity carried out by the coordinators, with a major dual role for the transplant activity, and the preclinical research thanks to targeted donation allowing experiments with fresh corneas comparable to those transplanted

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Alghamdi, Ahmed Dirwish G. "An integrated model of the influence of personal psychological traits and cognitive beliefs on customer satisfaction and continuance intentions in relation to Internet banking usage within the Saudi Arabian context." Thesis, University of Plymouth, 2014. http://hdl.handle.net/10026.1/3096.

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This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.

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Khadun, Shalinee. "The support of undifferentiated human embryonic stem cell lines by different matrices." Thesis, University of Hertfordshire, 2014. http://hdl.handle.net/2299/14447.

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The future of human embryonic stem cell (hESC) research with regards to their applicability in a therapeutic setting, relies on the development and standardisation of consistent and robust methods to demonstrate their defining characteristics; their pluripotent ability to form all three germ layers and their capacity for self-renewal. Although much research has been carried out to investigate new methods of culturing hESCs, many of these studies have not robustly concluded the impact of prolonged culture on genetic and genomic stability nor have they examined in any comparative detail the impact of the culture conditions such as differences in feeders used or the media composition in which the stem cells are cultured in. The aim of this thesis therefore was to investigate and evaluate methods for improving the uniform and robust culture and characterisation of hESCs over prolonged periods in culture. Four hESC lines ( RH5, HUES9, SHEF1 and NCL5) were chosen on the basis that they had not previously been well characterised and therefore could potentially benefit the wider stem cell community by increasing diversity, rather than continue to use the already small subset of well publicised lines. The RH5, HUES9, SHEF1 and NCL5 cells were subjected to long term passaging using recombinant enzyme TrypLE™ Express, on human feeders, mouse feeders and feeder free matrix Matrigel in combination with defined media mTeSR1, for uniform scale up. Changes in characteristic stem cell surface markers were compared using two techniques; flow cytometry and quantitative in situ fluorescence microscopy. Genomic stability was assessed by real time PCR. Chromosomal integrity was monitored using array genomic hybridisation (aCGH). Array genomic hybridisation analysis of cells cultured for 20 passages by enzymatic passaging revealed changes in copy number variations in all the stem cell lines. Aberrations on chromosomes 12, 17 and 20, appeared most commonly as a result of long term culture. Although no significant differences were seen between hESCs cultured on mouse and human feeders, cultures on Matrigel showed fewer detected chromosomal aberrations. Expression of cell surface stemness markers SSEA3, SSEA4, TRA1-60 and TRA1-81 were maintained by hESC cultured on all matrices and confirmed by the use of flow cytometry and high throughput quantitative immunofluorescence imaging using the TissueFaxs™ cell analysis microscopy system. In depth imaging revealed subtle but important differences in the way in which hESCs attach and proliferate on different matrices. Genetic profiling of each of the stem cell lines using Taqman Low density array cards to assess the expression of 96 genes by Real Time PCR, demonstrated the continued expression of stemness genes 21 at late passage, and low level expression of differentiation genes, inherent to particular stem cell lines. Although both mouse and human feeders and Matrigel support the undifferentiated growth of hESCs, subtle differences from the hESCs were seen as a result of their use, most obviously, changes in morphology and how they proliferate. This was further explored in the stem cell line NCL5, as it demonstrated a readiness to adapt to new matrices, better chromosomal stability and higher expression of cell surface markers compared with the other hESC lines. Using in vitro differentiation assays to all three germ layers, NCL5 cultured to late passage (p+20) on human feeder iMRC5, mouse feeder iMEF and feeder free matrix Matrigel, demonstrated the ability to differentiate to ectoderm, endoderm and mesoderm progenitors after induction using three 7 day flat based directed differentiation protocols. Altered differentiation patterns were detected by Real Time PCR and TissueFaxs™ imaging and quantitative analysis, as a consequence of the prolonged culture on the specific matrices used. Such key findings allude to the strong influences of microenvironment and will help to improve the standardisation of in vitro differentiation assays. From these studies, chromosomal changes had no impact on NCL5 stem cell lines‘ ability to form progenitors, however small genetic instabilities may still play a role in terminal differentiation of germ lineage specific cell types. The findings of the programme of work described has led to the successful culture methods and characterisation testing validated in this project being incorporated into routine culture and banking of research grade hESCs at the UK Stem Cell Bank. These protocols will now be made more widely available and should assist stem cell researchers in adopting the most suitable and optimum conditions for culturing stem cells in the undifferentiated and stable state. With the huge surge in stem cell research over the past decade, the development of robust characterisation and culture methods will undoubtedly have significant impact on the exploitation of these cells for regenerative medicine and to assist with this a future aim of the stem cell bank will be to standardise methodologies for clinical grade banking.

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Gheeraert, Laurent. "Financial systems: essays on the cultural determinants and the relevance for economic development." Doctoral thesis, Universite Libre de Bruxelles, 2009. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/210212.

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Abstract:

The thesis analyzes macro-economic determinants and roles of financial sector development.

The literature argues that the size and efficiency of both banking systems and financial markets - the two major components of a financial system - matter for economic development. In the same vein, the quality of financial institutions and regulations are instrumental in the construction of a strong financial system.

We study several aspects of financial sector development in relation to three recent phenomena, namely, the rise of Islamic banking and finance, the increasing interest for emerging stock markets, and the growing remittance flows.

This thesis is made up of three essays.

The first essay extends the literature on the determinants of financial sector development, from the angle of culture. We show that, on average, Islamic finance favors the development of the banking sector in Muslim countries. We provide evidence that several countries have indeed been successful in launching a new, Shariah-compliant, banking system, while not harming the existing, conventional, banking sector. Our empirical analysis uses a newly-constructed original database on the size and performance of Islamic deposit banks globally over the period 2000 to 2005.

The second essay focuses on stock markets, in particular, the less-studied emerging equity markets. We confirm traditional literature findings on unconditional stock returns, over a panel of 53 Major and Frontier markets. Mainly, volatility is high, big surprises happen, and return correlations with the rest of the world are low but have been rising over the last decades. In spite of large differences in market size and liquidity, Frontier market returns are qualitatively similar to Major markets', except correlations, which are lower in Frontier markets. At current correlation levels, the latter continue to bring substantial diversification benefits to international investors.

The last essay examines the relationship between remittances and economic growth. It confirms that remittances are important for developing countries as they stimulate domestic investment. It then demonstrates, theoretically and empirically, that improving the access to bank deposit accounts is crucial to channel remittances to more productive uses. This is even more true when the access to international borrowing is costly.

The 2008-2009 financial crisis has propelled the improvement of financial systems to the top of policymakers' agendas. Our work contributes to a better understanding of the importance of finance in economic outcomes. It also brings a novel perspective on the determinants of financial systems./

Notre thèse a pour objet l'étude des déterminants et des rôles macro-économiques des secteurs financiers dans le monde.

Selon la littérature scientifique, la taille et l'efficacité des systèmes bancaires et des marchés financiers - les deux composantes principales d'un système financier - sont importantes pour le développement économique. Il apparaît également que la qualité des institutions et des régulations financières contribuent à la création d'un système financier fort.

Au travers de trois essais, nous examinons plusieurs aspects du développement du secteur financier, qui sont en relation avec trois phénomènes récents; à savoir: la croissance de la finance islamique, l'intérêt grandissant pour les marchés boursiers émergents, et l'augmentation des flux de transferts de fonds des migrants.

Dans le premier essai, nous nous intéressons aux facteurs culturels comme déterminants des secteurs financiers et, en particulier, au rôle de la religion musulmane. Nous montrons que, en moyenne, la finance islamique favorise le développement du secteur bancaire dans les pays musulmans. Plusieurs pays ont en effet réussi à développer un nouveau secteur bancaire compatible avec la Shariah, sans porter ombrage au secteur bancaire non islamique avec lequel il co-existe. Notre analyse empirique est fondée sur une base de données nouvelle et originale. Celle-ci a pour intérêt de fournir des indicateurs de taille et de performance des banques islamiques de dépôt dans le monde, pour la période 2000-2005.

Dans le deuxième essai, nous explorons les rendements inconditionnels obtenus sur les marchés boursiers, en particulier les marchés émergents d'actions. Notre analyse d'un large panel de 53 marchés émergents "Majeurs" et "Frontières" confirme les résultats traditionnellement observés dans la littérature. Ainsi, pour l'essentiel, les deux types de marchés sont volatils et émaillés d'événements extrêmes. De plus, les rendements des marchés émergents sont faiblements corrélés avec ceux du reste du monde, même si ces corrélations ont augmenté au cours des derniers décennies. Malgré d'importantes différences en terme de taille et de liquidité, les rendements sur marchés "Frontières" sont qualitativement similaires à ceux des marchés "Majeurs", à l'exception des corrélations. Ces dernières sont en effet actuellement plus faibles dans les marchés "Frontières", qui continuent dès lors à offrir d'importants bénéfices de diversification aux investisseurs internationaux.

Dans le dernier essai, nous examinons la relation entre les transferts d'argent des migrants et la croissance économique. Nous confirmons l'idée que les transferts de fonds des migrants sont importants pour les pays en voie de développement. Mais surtout, nous démontrons, de manière théorique et empirique, qu'il est crucial de faciliter dans ces pays l'accès aux comptes de dépôt bancaires, afin de transformer une plus grande part des transferts des migrants en investissements productifs. Ceci est d'autant plus vrai quand l'accès aux autres sources de capitaux internationaux est coûteux.

En conclusion, la crise financière de 2008-2009 a fait de l'amélioration des systèmes financiers la priorité de nombreuses politiques économiques. Dans cette perspective, notre travail apporte une contribution à une compréhension plus fine de l'importance de la finance pour l'économie, ainsi qu'une vision novatrice des déterminants des systèmes financiers.
Doctorat en Sciences économiques et de gestion
info:eu-repo/semantics/nonPublished

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Dissertations / Theses on the topic 'Culture in banking'

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