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Adams, Kweku. "Foreign direct investment inflows into the financial services sector in Africa : a study of Ghana." Thesis, Swansea University, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.678411.
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Mingiri, Kapingura Forget. "The relationship between financial sector development and savings mobilisation in South Africa : an empirical study." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/97430.
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Thesis (MDF)--Stellenbosch University, 2014.ENGLISH ABSTRACT: The South African financial sector is developed by world standards, surpassing those of other emerging and developed countries. However, despite all this development in the financial sector, the country has low levels of savings. This contradicts some of the available literature which explains the link between financial development and savings. Based on this background, the study empirically examines the relationship between financial development and savings mobilization in South Africa, employing the Johansen cointegration test for the period 1980 to 2012. Based on the lifecycle hypothesis, a model linking savings and its determinants was specified. The empirical results revealed that there is a long-term relationship between savings and the other variables used in the model. The different measures which were employed to measure financial development were found to be positive and significant, implying that financial sector development impacts positively on savings. An interesting observation from the empirical results is the negative relationship between the rate of interest and savings which implies that South Africans are net borrowers as the income effect surpasses the substitution effect. This in part explains the low levels of savings being experienced by the country since an increase in the rate of interest results in people paying more to service their debt and hence a reduction in savings.
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Maimbo, Hilangwa. "Understanding the relationship between information systems investment and organisational performance: developing and testing a conceptual model in the Australian financial services sector." Thesis, Curtin University, 2004. http://hdl.handle.net/20.500.11937/433.
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The research reported in this thesis was an exploratory study that investigated the relationship between Information Systems (IS) investment and organisational performance and which led to the successfd development and testing of a combined process and variance model that sought to explain this complex relationship. The focal industry was the Australian Financial Services Sector (FSS), with samples being drawn from both the credit union industry (largest industry by size in the FSS) and the commercial/retail bank industry (largest industry by volume). The research began with a detailed review of the literature and thus explored the concepts underlying the business value of IS in general and the relationship between IS investment and organisational performance in particular. To fuaher enhance understanding of this literature, a meta-analysis of the business value of IS in general, and IS investment and organisational performance in particular, was undertaken as it was noted that there did not appear to have been any such formal structured meta-analyses to date. The foregoing analyses led to the proposal and development of a conceptual model of the relationship between IS investment and organisational performance that was comprised of four main components, the level of IS investment as represented by the IT portfolio, Organisational performance (both internal and external), Considerations for Strategic Information Systems Planning and Managerial effectiveness. In addition, the conceptual model explicitly considered the effect and impact of Context on the conceptual model. Further, analysis of subsequent results was strongly grounded in the literature and utilised three key theoretical foundations, General Systems Theory, The Resource Based View of IT and Stakeholder theory.Thus, the conceptual model was developed and tested utilising a pluralist approach combining two research methods, a) Case research (model development and testing) and b) survey research (model refinement). The collection (and analysis) of data was achieved in two parts. First, given the complexity of the issues under investigation, a unique case study protocol was successfully developed and applied to a select group of Financial Institutions with the Commercial/retail Banking and Credit Union industries to confirm the components of the original conceptual model. Second, the resultant model(s) were tested via a survey targeted at the wider population of Authorised Deposit-taking Institutions in the Australian Financial Services Sector. The outcomes of this research were many, however the most notable were; 1) the development and testing of the conceptual model which were deemed to contribute to the development of theory within the discipline of Information Systems, 2) the development of a unique case study protocol that was deemed to contribute to IS research in general, 3) the derivation of a set of intermediary variables (Customer service quality, Operational efficiency, Staff and Product delivery) that was found to influence the relationship between IS investment and organisational performance and therefore extended and strengthened the conceptual model, and 4) the meta-analysis that was deemed to contribute to a better understanding of the state of the art with respect to research into this complex phenomenon.
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Maimbo, Hilangwa. "Understanding the relationship between information systems investment and organisational performance: developing and testing a conceptual model in the Australian financial services sector." Curtin University of Technology, School of Information Systems, 2004. http://espace.library.curtin.edu.au:80/R/?func=dbin-jump-full&object_id=16639.
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The research reported in this thesis was an exploratory study that investigated the relationship between Information Systems (IS) investment and organisational performance and which led to the successfd development and testing of a combined process and variance model that sought to explain this complex relationship. The focal industry was the Australian Financial Services Sector (FSS), with samples being drawn from both the credit union industry (largest industry by size in the FSS) and the commercial/retail bank industry (largest industry by volume). The research began with a detailed review of the literature and thus explored the concepts underlying the business value of IS in general and the relationship between IS investment and organisational performance in particular. To fuaher enhance understanding of this literature, a meta-analysis of the business value of IS in general, and IS investment and organisational performance in particular, was undertaken as it was noted that there did not appear to have been any such formal structured meta-analyses to date. The foregoing analyses led to the proposal and development of a conceptual model of the relationship between IS investment and organisational performance that was comprised of four main components, the level of IS investment as represented by the IT portfolio, Organisational performance (both internal and external), Considerations for Strategic Information Systems Planning and Managerial effectiveness. In addition, the conceptual model explicitly considered the effect and impact of Context on the conceptual model. Further, analysis of subsequent results was strongly grounded in the literature and utilised three key theoretical foundations, General Systems Theory, The Resource Based View of IT and Stakeholder theory.Thus, the conceptual model was developed and tested utilising a pluralist approach combining two research methods, a) Case research (model development and testing) and b) survey research (model refinement). The collection (and analysis) of data was achieved in two parts. First, given the complexity of the issues under investigation, a unique case study protocol was successfully developed and applied to a select group of Financial Institutions with the Commercial/retail Banking and Credit Union industries to confirm the components of the original conceptual model. Second, the resultant model(s) were tested via a survey targeted at the wider population of Authorised Deposit-taking Institutions in the Australian Financial Services Sector. The outcomes of this research were many, however the most notable were; 1) the development and testing of the conceptual model which were deemed to contribute to the development of theory within the discipline of Information Systems, 2) the development of a unique case study protocol that was deemed to contribute to IS research in general, 3) the derivation of a set of intermediary variables (Customer service quality, Operational efficiency, Staff and Product delivery) that was found to influence the relationship between IS investment and organisational performance and therefore extended and strengthened the conceptual model, and 4) the meta-analysis that was deemed to contribute to a better understanding of the state of the art with respect to research into this complex phenomenon.
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McCracken, Kim. "A study of the factors influencing new product development success in the South African investment sector." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/17946.
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Thesis (MComm)--Stellenbosch University, 2011.ENGLISH ABSTRACT: Organisations today form part of a global market economy characterised by constant change and a high level of competition. This is especially true for organisations functioning in competitive markets or industries, such as the service industry. New Product Development (NPD) has been recognised as an avenue for organisations to remain relevant and competitive in this constantly changing landscape. A successful new product can potentially do more good for an organisation than anything else that can happen to it. Despite this critical role, the strategic and operational aspects of the product development process are poorly understood, particularly in the service industry. The South African financial services industry is an example of a service industry characterised by a high level of competition, rapid technological advancements, stringent regulations and changing client needs. This is particularly true for the investment sector of the industry, which endeavours to remain relevant and progressive within both a domestic and an international context. As a result, organisations functioning in the investment sector increasingly need to engage in developing and introducing new products to ensure their survival. Against this background, such organisations should realise the importance and potential benefits of an increased understanding of how to improve the success of their NPD efforts. The purpose of this study was therefore to investigate factors influencing the success of New Product Development in the investment sector of the South African financial services industry. Twelve success factors were defined for the purpose of the study. They are: a successful launch, effective NPD management, product superiority, a favourable market environment, good use of communication, effective IT systems, a NPD-friendly corporate culture and the use of a formal NPD process, legislation, distribution of the product, the marketing budget, and the timing of the release of the product. Additionally, nine measures of success were examined, namely: commercial, technical, financial and sales measures, as well as the NPD process followed the level of client satisfaction, and the size, performance and longevity of the product. This study made use of a structured questionnaire, which was developed, based on the literature reviewed and on the feedback from the pilot study. The questionnaire made use of a seven-point Likert scale, and was electronically administered via email to the chosen sample group. The results from this study indicated that 10 of the 12 identified success factors have a significant influence on one or more of the measures of success. The remaining two success factors, namely, the distribution of the product and the marketing budget, were found to have no significant influence on any of the measures of NPD success. It was also revealed that three of the success factors had a significant influence on the overall measure of NPD success (all 9 measures grouped into one), namely, the characteristics of a "superior product"; the implementation of an effective IT system; and the timing of the product release. Furthermore, the implementation of effective IT systems revealed an unexpected negative relationship with three measures of success as well the overall measure of NPD success (all 9 measures grouped into one). A number of implications were suggested and recommendations made, based on the findings. Specific recommendations were made to NPD practitioners, regarding methods which could be implemented to enhance and better manage the influence of the identified success factors in order to increase their product development success. An important recommendation was made regarding the IT system project requirements and associated costs. It was recommended that the IT system requirements be carefully scoped in the infancy stage of the project by consulting with an IT specialist because of its influence on both the overall costs and project success. Specific recommendations were further made regarding a number of the other identified success factors. Finally, based on the findings, several recommendations were made regarding further research.
AFRIKAANSE OPSOMMING: In die huidige klimaat van die wêreld-ekonomie staar organisasies gedurige verandering en groot kompetisie in die gesig. Dit is veral waar vir organisasies wat moet funksioneer en oorleef in kompeterende markte of industrieë, soos die dienste industrie. Dit word algemeen aanvaar dat die konsep van Nuwe Produk Ontwikkeling (NPO) 'n noodsaaklike opsie geword het vir besighede en organisasies om relevant en kompeterend te bly in hierdie konstante veranderende landskap. 'n Suksesvolle nuwe produk kan vir 'n besigheid groter waarde toevoeg as enigiets anders wat daarmee sou gebeur. Ten spyte van hierdie belangrike en beslissende rol wat dit speel, is daar min begrip vir die rol van strategiese en operasionele aspekte van die Produk Ontwikkelingsproses veral in die dienste industrie. Die Suid-Afrikaanse finansiële dienste industrie is 'n voorbeeld van 'n dienste industrie wat gekenmerk word deur sterk kompetisie, snelle tegnologiese ontwikkeling, streng regulering en veranderende kliëntebehoeftes. Dit geld veral vir die beleggingsektor in die industrie, wat daarna streef om relevant en progressief te bly in beide 'n plaaslike, sowel as internasionale konteks. Gevolglik, ten einde hul voortbestaan te verseker, is dit toenemend noodsaaklik dat organisasies in die beleggingsektor gedurig nuwe produkte ontwikkel en toepas. Teen hierdie agtergrond is dit noodsaaklik dat sulke besighede die belangrikheid, sowel as die potensiële voordele daarvan besef dat 'n bewussyn gekweek word ten opsigte van maniere om die NPO se sukses te verseker. Die doel van hierdie studie was dus om die faktore te ondersoek wat die sukses beïnvloed van NPO binne die beleggingsektor van die Suid Afrikaanse finansiële dienste industrie. Twaalf sukses faktore was vir die doel van hierdie studie geïdentifiseer. Hulle is: 'n suksesvolle bekendstelling, doeltreffende NPO bestuur, 'n superieure produk, gunstige markomstandighede, goeie gebruik van kommunikasie, doeltreffende IT-stelsels, 'n korporatiewe kultuur wat NPO vriendelik is, gebruik van formele NPO prosesse, wetgewing, verspreiding van die produk, die bemarkingsbegroting, en die tydsberekening ten opsigte van die produk se bekendstelling. Verder is nog nege maatstawwe van sukses gemeet, naamlik: kommersieël, tegnies, finansieel- en verkoopsmaatstawwe, sowel as die NPO-proses wat gevolg is, die vlak van tevredenheid van die kliënt, en die omvang, prestasie en lewensverwagting van die produk. Hierdie studie het gebruik gemaak van 'n gestruktureerde vraelys wat ontwikkel is op die basis van die literatuur wat hersien is, asook terugvoering vanaf die loodsstudie. Die vraelys het gebruik gemaak van 'n sewe-punt Likert skaal en was elektronies geadministreer deur middle van e-pos aan die uitgesoekte steekproef groep. Die resultate van hierdie studie het aangedui dat 10 uit die 12 suksesfaktore wat geïdentifiseer is, 'n beduidende invloed gehad het op een of meer van die maatstawwe van sukses. Die laaste twee, naamlik, die verspreiding van die produk en die bemarkingsbegroting, het nie 'n noemenswaardige invloed gehad op enige van maatstawwe van NPO sukses nie. Dit het ook duidelik geword dat drie van die suksesfaktore wel 'n beduidende invloed gehad het op die algehele NPO maatstawwe van sukses (al nege saam groepeer as een), naamlik, die eienskappe van 'n "superieure produk"; die aangewend van 'n effektiewe IT-stelsel; en die tydsberekening ten opsigte van die produk se bekendstelling. Verder, die aanwending van 'n effektiewe IT stelsel het 'n onverwagse negatiewe verhouding gevorm met drie maatstawwe van sukses asook met die algehele NPO maatstawwe van sukses (al nege saam groepeer as een). Verskeie gevolge is genoem en aanbevelings is gemaak op grond van die bevindings. Spesifieke aanbevelings is aan die NPO praktisyns gelewer ten opsigte van stelsels wat toegepas kan word om genoemde suksesfaktore doeltreffend te bestuur en te verbeter en gevolglik die sukses van die produk ontwikkeling te verhoog. 'n Belangrike aanbeveling was met betrekking tot die IT-stelsel se projek behoeftes en gepaardgaande kostes. Daar is voorgestel dat die omvang van die IT-stelsels in die beginstadium met groot omsigtigheid bepaal word en 'n kundige op die gebied van IT behoeftes moet geraadpleeg word, aangesien dit 'n groot impak kan hê op oorhoofse kostes, sowel as die sukses van die projek. Meer spesifieke aanbevelings is ook gedoen ten opsigte van sekere van die ander faktore wat geïdentifiseer is. Op grond van hierdie bevindings kan ten slotte verklaar word dat daar etlike aanbevelings ter ondersteuning van verdere navorsing was.
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Lavingia, Sakina. "Attracting Foreign Direct Investment in Pakistan: The Role of Governance, National Security and Global Investment Trends." Oberlin College Honors Theses / OhioLINK, 2016. http://rave.ohiolink.edu/etdc/view?acc_num=oberlin1462899974.
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Kinfemichael, Bisrat Temesgen. "CONVERGENCE IN SECTORAL LABOR PRODUCTIVITY AND STRUCTURAL CHANGE." OpenSIUC, 2015. https://opensiuc.lib.siu.edu/dissertations/1002.
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The dissertation examines catching up in labor productivity across countries and across US states. It also studies the role of financial development and inflow of foreign direct investment (FDI) on labor productivity and structural change. Chapter one studies unconditional convergence in labor productivity in cross section of countries. Using disaggregated service sector data for 101 countries, we find unconditional convergence in labor productivity for the service sector. The aggregate service sector yields a large unconditional convergence coefficient of -0.028, while for individual sub-sectors we find a similar presence of unconditional convergence. Since the service sector, as part of the "modern" sector now also faces international competition, unconditional convergence in labor productivity in this sector is not totally unwarranted. Given Rodrik's recent findings of unconditional convergence in labor productivity in the manufacturing sector (2013) and the observed failure of unconditional convergence of per capita GDP, our findings of unconditional convergence in the service sector suggest that we need to look carefully at methodological issues such as "aggregation bias" and the huge divergence of other sectors such as the agricultural sector as a potential solution to this anomaly. In chapter two, we investigate secoral unconditional convergence in labor productivity in the US sates using two series of data sets for the period 1987-1997 and 1998-2013. We have found evidence for catching up in labor productivity in the US states for the majority sectors. There is no evidence for unconditional convergence for the mining sector in 1-digit classification for 1980-1997 and manufacturing and utilities sectors in 2-digit classification for the recent data (1998-2013). The aggregate per capita GDP convergence test shows evidence for convergence for the 1980-1997 data but no evidence for convergence in the recent data consistent with the existing literature. The same factors that were considered responsible for regional convergence in the US, such as migration and falling cost of education, could work in the opposite direction to cause divergence in per capita income in recent years. Chapter three considers the relationship between financial development, inflow of foreign direct investment, labor productivity and structural change variables for 41 countries in Groningen Growth and Development 10-sector database for the period 1971-2012 using panel-VAR methodology. The effect of financial development on total labor productivity and employment share in sectors depend on the income level and geographical locations. We find that financial development has a significantly positive effect on total labor productivity of high income European countries, the United States, and for middle income Latin American counties. We do not find evidence for the positive effect of financial development on labor productivity for low income and middle income countries except for Latin American countries. The result does not show a significant effect of financial development on sectoral employment and value added shares. Inflow of FDI has a statistically significant negative effect on employment share of agriculture in middle income countries, and positive effect on the employment share of the manufacturing sector in middle income Asian countries.
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Maziwisa, Michelle Rufaro. "An examination of the legal framework governing opportunities and barriers to economic development in Southern Africa: a case study of Zimbabwe." Thesis, University of the Western Cape, 2016. http://hdl.handle.net/11394/6184.
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Doctor Legum - LLDThis thesis examines the legal framework of Zimbabwe to determine if the laws and policies which are in place create opportunities for, or barriers to, economic development. Specifically, it examines the legal framework governing trade, investment and financial services. The thesis focuses on Zimbabwe as a case study and draws lessons from South Africa. It proceeds from the premise that despite the numerous attempts made at international, regional and domestic levels to increase economic development (such as through liberalisation of markets and access to international development finance), Zimbabwe has failed to attain 'developed country' status. The purpose of the thesis is to examine the causes of poor economic performance in Zimbabwe postindependence (post-1980).
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Dodds, Thomas Edward. "The Internet and Canada's financial services sector." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1996. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp04/MQ30885.pdf.
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Padgett, C. "Financial stucture and investment in the UK company sector." Thesis, University of Reading, 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.234394.
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Waema, Timothy Mwololo. "Information systems strategy formation in financial services sector organizations." Thesis, University of Cambridge, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.292174.
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Smith, Ruth M. "Profiling the loyal customer in the financial services sector." Thesis, Leeds Beckett University, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.412869.
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Lategan, Benjamin Johannes. "The consequences of dishonesty in the financial services sector." Diss., University of Pretoria, 2013. http://hdl.handle.net/2263/43141.
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Binsaeed, Rima Hassan. "Foreign direct investment drivers with regard to Saudi financial services." Thesis, Brunel University, 2015. http://bura.brunel.ac.uk/handle/2438/13585.
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The economy of Saudi Arabia is rich in oil. It is the world’s leading oil exporter and a prominent member of the Organization of Petroleum Exporting Countries (OPEC), and a country which embraces Foreign Direct Investment (FDI). FDI is core to increasing the capital and the economic wealth of a country. It is a platform for innovative technologies, advanced management practices, investment, and for the development of an unrestricted market for generating goods and services. Host nations struggle to attract FDI because of the difficulty in recognising FDI drivers that shape FDI inflows. This study identifies significant drivers that influence financial services. These are market drivers, economic drivers, infrastructure drivers and political drivers. Noticeably, previous studies have failed to discuss the complexity of these drivers’ effectiveness in terms of a particular business and a particular country. The objective of this study, therefore, is to analyse the effect of different FDI drivers on FDI inflows with regard to Saudi financial services. This study finds that market drivers are the most effective FDI drivers in terms of Saudi financial services, followed by economic and political drivers. This study supports the findings of previous studies that suggest that infrastructure drivers are not effective in terms of FDI inflows with regard to Saudi financial services.
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Kayiya, Christopher. "The impact of financial sector foreign direct investment on poverty alleviation." Diss., University of Pretoria, 2012. http://hdl.handle.net/2263/30611.
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Foreign private capital flows, portfolio investment and foreign direct investment (FDI), have been important external sources of financing growth and investment around the world. Since the start of the new millennium, FDI has become a major source of external finance for many developing countries mainly due to the economic benefits associated with this investment. Developing countries have been jostling for FDI in an attempt to resolve some of their structural problems, such as poverty. Poverty is a sensitive and persistent issue in most developing countries. More recently, FDI into the financial sector (FSFDI) has increased significantly, reshaping the sector significantly. The widely-held perception is that FSFDI is associated with financial development, job creation and skills transfer which are critical factors in alleviating poverty. In spite of the significant inflow of investment, new estimates of poverty in the developing world are disconcerting.Foreign private capital flows, portfolio investment and foreign direct investment (FDI), have been important external sources of financing growth and investment around the world. Since the start of the new millennium, FDI has become a major source of external finance for many developing countries mainly due to the economic benefits associated with this investment. Developing countries have been jostling for FDI in an attempt to resolve some of their structural problems, such as poverty. Poverty is a sensitive and persistent issue in most developing countries. More recently, FDI into the financial sector (FSFDI) has increased significantly, reshaping the sector significantly. The widely-held perception is that FSFDI is associated with financial development, job creation and skills transfer which are critical factors in alleviating poverty. In spite of the significant inflow of investment, new estimates of poverty in the developing world are disconcerting.The main objective of this study was to evaluate the impact of FSFDI on poverty alleviation in developing countries. Linear regression analysis was done to determine the relationship between FSFDI inflow and other variables that were viewed as reducing agents of poverty, namely financial sector employment, employee training and financial access. The sample data used for this research represents South Africa and a convenience sampling technique was utilised.Dissertation (MBA)--University of Pretoria, 2012.
Gordon Institute of Business Science (GIBS)
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Parker, Shahkira. "Financial Management and Budget Reform implementation and constraints in the public sector since 1994: The Case of the health sector." Thesis, University of the Western Cape, 2007. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_1814_1255004975.
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This research report examines the factors associated with facilitating and constraining the implimentation of financial management and budget reforms in the public sector using the Health Sector (National and Provincial Departments of Health) as a case study. The main findings of this report are that there are factors that are both facilitating and constraining the implementation of financial management and budget reform in South Africa. The primary constraining factor in this regard is that there is limited capacity in the country with regard to financial management.
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Graham, Ryan Everett. "Financial Statement Analysis and Investment Management Services for College Students." Thesis, The University of Arizona, 2015. http://hdl.handle.net/10150/579281.
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Much research has been conducted on the costs and benefits of performing in-depth financial statement analysis of individual companies. Myself and three other students from the Eller College of Management analyzed Taser International, Inc. (Ticker: TASR) as part of the annual CFA Investment Research challenge. This was a time-intensive learning experience, and our team placed second in the Southwest region. The question is, was this research worth our time? This paper assesses the financial knowledge of various college-educated students. A self-conducted questionnaire revealed that students for the most part do not invest, have mixed financial knowledge, and about half would trust a computer to manage their investments. Most college students should not be using financial statement analysis due to their lack of experience and education in financial topics, and most should consider low-cost investment management services. This study also takes it one step further by analyzing the various alternatives available for those looking to invest their money. Although most college students do not have the wherewithal to participate in cost efficient buying and selling of individual stocks, there are multiple smartphone applications and low-cost investment management services that now provide services once reserved for the ultra-wealthy.
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SHARMA, GAURAV KUMAR. "AI & BIG DATA IN FINANCIAL SERVICES." Thesis, DELHI TECHNOLOGICAL UNIVERSITY, 2021. http://dspace.dtu.ac.in:8080/jspui/handle/repository/18335.
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Over the past few years, technology has altered the operating psychology of companies. Artificial
Intelligence (AI) is becoming increasingly important and in demand, and the financial sector is
steadily turning its focus to AI. In a variety of ways, financial institutions are experimenting with
and integrating technology. Artificial Intelligence is improving and becoming smarter every day.
Investment management companies have embraced Artificial Intelligence at a much faster rate than
other industries. This is due to the fact that the financial sector still relies heavily on human
involvement in its operations. The Indian banking sector is experimenting with artificial
intelligence to improve customer service.
Purpose
As Artificial Intelligence technology reshapes the investment management industry, the aim of this
research paper is to define specific use cases so that investment practitioners and firms can take
appropriate steps now to navigate the evolving environment and plan for investment success.
Design/methodology/approach
The basis for this research paper is exploratory research. The current analysis is focused on both
primary and secondary data. Primary data is gathered from top commercial banks and investment
firms' professionals, i.e. ICICI Prudential, BOI AXA, SBI, and Bajaj Finance were asked questions
about using Artificial Intelligence to enhance customer service, challenges encountered, and input
from customers. Fifty professionals were polled to find out how much they knew about Artificial
Intelligence enabled services, how much they used them, and how satisfied they were with them.
Secondary data was gathered from a variety of sources, including academic papers, blogs, and
documents, in order to ensure a thorough understanding of the topic and the accuracy of the data.
Findings
Big data and Artificial Intelligence have the ability to bring the most dramatic improvement to the
investment management industry that current practitioners will ever see. Future successful
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investment companies will begin strategically planning their incorporation of big data and Artificial
Intelligence techniques into their investment processes right now. Collaborative organisational
cultures, cognitive diversity, and T-shaped teams will allow successful investment professionals to
recognise and leverage the opportunities brought on by these emerging technologies and
applications.
Research limitations
This study is restricted to AI in investment management firms only.
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Lee, Ho-yan, and 李可欣. "Government regulation in the financial services sector: a comparative perspective." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1986. http://hub.hku.hk/bib/B31974806.
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Gilligan, George Peter. "White collar criminology and the regulation of financial services sector." Thesis, University of Cambridge, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.308660.
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Lee, Ho-yan. "Government regulation in the financial services sector : a comparative perspective /." [Hong Kong : University of Hong Kong], 1986. http://sunzi.lib.hku.hk/hkuto/record.jsp?B12323998.
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Hinchcliffe, Jimmy M. "The Financial Services Act : a case study in regulatory capture." Thesis, Sheffield Hallam University, 1999. http://shura.shu.ac.uk/7107/.
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This thesis explores, in a case study, the interests served by the UK Financial Services Act of 1986. The Act put in place a revolutionary new regulatory framework for controlling the sale of investment products such as pensions and insurance. The stated objectives of the new regime were to protect the ordinary investor, 'Aunt Agatha', from mis-selling and bad advice. However, there is casual evidence to suggest that the regime has failed in this objective. Moreover, there exists, in public choice theory, an explanation for why regulation might fail in this way. The study investigates whether regulation did fail to achieve its official objectives, and if it did, what were the reasons for this failure? Does public choice provide an explanation for the failure of the FSA? The study explores the interests served by the FSA. Specifically, it contributes to knowledge on three fronts: (i) related to the application of a sophisticated public choice analytical framework to a case study of British government regulation; (ii) related to the comparing of the practical adequacy of the public interest and public choice theories of regulation; and (iii) related to the case study itself, which develops a greater understanding of the origins, development, effects, and interests served by the FSA. The thesis concludes that the regulators, in large part, failed to enforce the rules and moreover that the cause of this failure, as public choice theory suggests, was the influence of the industry. In short, the thesis finds that the regulators were captured by the industry.
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Margeirsson, Olafur. "Financial instability and foreign direct investment." Thesis, University of Exeter, 2014. http://hdl.handle.net/10871/17436.
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Hyman Minsky’s Financial Instability Hypothesis is used to construct two different indices for financial instability: a long-term index (Long Term Financial Instability) and a short-term index (Short Term Financial Instability). The former focuses on the underlying fragility of financial structures of units in the economy while the latter focuses on more immediate developments and manages to follow turmoil – “a financial crisis” – in the economy. The interplay of the indices with each other, with economic growth and with Foreign Direct Investment, both in general and in the financial industry, is probed. In short, we find that long term financial stability, i.e. secure financial structures in the economy or a low level of Long Term Financial Instability, is sacrificed for maintaining short term financial stability. However, more Long Term Financial Instability is associated, as Minsky expected, with more fluctuations in Short Term Financial Instability: market turmoil is more common the more fragile underlying financial structures of units in the economy are. This signals that markets are ruled by short-termism. Economic growth is harmed by Short Term Financial Instability but the effects of Long Term Financial Instability are weaker. The common expectation that FDI activities strengthen financial stability is not confirmed. The relationship found hints rather in the opposite direction: FDI activities seem to cause financial instability. Based on the those investigations and a further empirical work using data from Iceland, Leigh Harkness’s Optimum Exchange Rate System (OERS) is developed further with the intention of solving “The Policy Problem” as described by Minsky. Insights from control theory are used. The OERS, along with public debt management as carried out by Keynes, is argued to have the ability to keep economic activity in the state of a permanent “quasi-boom”. The policy implications are that the OERS should be considered as a monetary policy as it permits a free flow of capital, thereby allowing economies to reap the possible positive benefits of foreign direct investment, while still conserving financial stability.
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Estrella, John A. "Identifying software project risks in the Canadian financial services sector an international comparative study /." access full-text online access from Digital Dissertation Consortium, 2006. http://libweb.cityu.edu.hk/cgi-bin/er/db/ddcdiss.pl?3238279.
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Pisani, Francesco [Verfasser]. "Innovations and business models in the financial services sector / Francesco Pisani." Frankfurt am Main : Frankfurt School of Finance & Management gGmbH, 2018. http://d-nb.info/1177913216/34.
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Davison, Heather. "The development of new products in the personal financial services sector." Thesis, Bournemouth University, 1990. http://eprints.bournemouth.ac.uk/421/.
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The development of new products in the personal finacial services (PFS) sector is an area that is being increasingly relied upon by organisations to provide competitive differentiation in the highly competitive environment that they now operate within. Despite this reliance, relatively little is known about how new product development (NPD) activity is undertaken within the PFS sector. The literature in this area is inundated with different models and techniques to aid development programmes, but how closely they are followed and implemented in the reality facing personal financial service companies is questionable. The first stage of the research therefore examines the implementation of planned new product development in the sector, in order to highlight the gap between theory and practice, and provide for a more contingent approach to development activities. The second and third stages of this study are concerned with providing a detailed investigation of the development, launch and distribution of a particular new PFS product. Specific attention is paid to the organisational and behavioural factors that influenced its development and eventual market outcome. Such factors are given very little consideration in the existing literature supporting NPD activity, yet it is shown that the consequences that they can have for the success of new PFS products in the marketplace can be critical. The overall value of the research is found in its questioning of the universal nature of the existing provision of theoretical approaches to, and support techniques for NPD, in addition to determining the need for companies, both within and outside of the PFS sector, to take into account highlighted behavioural and organisational factors when involved in development programmes.
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Fadun, Solomon Olajide. "Insurance, a risk transfer mechanism : evidence from Nigeria's financial services sector." Thesis, Glasgow Caledonian University, 2015. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.676484.
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The study critically explores purchase and use of insurance by financial services firms (FSFs) in Nigeria to manage risks associated with their operations. Both quantitative and qualitative techniques are used for the study. Mixed-method design and methodological triangulation are adopted to ensure a holistic understanding of purchase and use of insurance by FSFs in Nigeria. Four data collections methods (Le. the literature, document analysis, survey and elite interview) are utilised for the study. The study adopted interpretivist philosophy, and theoretical foundation of the study was developed based on Knight (1921) classical theory of risk. Risk management does not eliminate uncertainty; rather, it minimises financial consequences of uncertainty. Insurance is part of wider and integrated system of risk management. In the past, it was thought that risk aversion motive is the primary motive in the literature for purchasing insurance since Pratt (1964) and Arrow (1971 ). However, risk aversion does not satisfactorily explain corporate demand for insurance as firms are considered less risk-averse than individuals (Mains, 1983; MacMinn, 1987; Mayers and Smith, 1990; Yamori, 1999; Goldberg, 2009). The literature revealed that studies on corporate demand for insurance in the literature have been carried out in the context of developed countries; thereby, providing little insight in terms of analysis on purchase and use of insurance by firms in developing countries, such as Nigeria. The study fills the gap, thereby contributing to knowledge. Moreover, beside those factors influencing corporate demand for insurance in the literature; the study identifies an additional factor influencing FSFs (corporate) insurance purchase practices which suggested that: institutional/corporate (including FSFs) ownership or interest in insurance company influence corporate demand for insurance. This implies that there is a positive correlation between FSFs (institutional) ownership or interest in insurance companies, and insurance companies from which FSFs purchased insurance. This is a plausible finding and contribution to knowledge as the literature does not indicate that institutional ownership or interest in insurance company influence corporate demand for insurance. The study identified insurance policies that are suitable for managing risks associated with FSFs operations; and highlighted factors that influence insurance purchase practices of FSFs in Nigeria. Generally, the findings suggested that: insurance is suitable for managing FSF risk exposures; FSFs in Nigeria purchase and use insurance to manage risks associated with their operations; Nigeria's FSFs which have insurance company subsidiaries (parent or sister) purchase insurance partly or wholly from their insurance subsidiaries.
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Abramson, Simone Nicole. "Herding behaviour by South African unit trusts in the consumer services sector." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/24999.
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This study examines whether there is herding by general equity unit trusts as investors in the consumer services sector in South Africa. It also investigates whether herding was more prevalent during the financial crisis period in South Africa between 2008 and 2010, than during a non-crisis period. Using a herding measure developed by Lakonishok, Shleifer and Vishny (1992) (LSV), it was found that there was indeed herding behaviour by general equity unit trusts in the consumer services sector. A herding rate (i.e. the proportion of trades by general equity unit trusts in the consumer services sector in excess of the expected random and independent proportion) of 7.75% is calculated. Possible reasons for herding in the consumer services sector include; consumer services companies being profitable investments and a small number of investment analysts in South Africa. It was also observed that herding behaviour was not more prevalent during the financial crisis period (12.14%) than the non-crisis period (6.36%), as these two periods were not statistically different from one another, even though the average herding rates differed.
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Joseph, Arlene. "Global trading and transfer pricing: application of the transfer pricing methods and OECD BEPS Action Plan 9 to global trading of financial instruments by MNE groups in the financial services sector." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/26956.
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This dissertation focuses on the Organisation for Economic Co-operation and Development ('OECD') transfer pricing methods and its application to Multinational Enterprise ('MNE') groups in the financial sector. This study examines whether the OECD's Base Erosion and Profit Shifting ('BEPS') Action Plan 9 is an appropriate framework for MNE groups in the banking sector or whether it creates further challenges. Additionally, the dissertation scrutinises MNE groups in the financial sector that are involved in the business of global trading of financial instruments. It further explores the functions of a global trading entity, the arm's length principle and the OECD BEPS Action Plan 9. This dissertation concludes that the global trading of financial instruments using the integrated trading model is challenged when the OECD traditional transfer pricing methods are applied. Multinational financial institution groups in the banking sector that are involved in the business of global trading of financial instruments are subject to rigid regulations. Furthermore, the report concludes that these rigid regulations mitigate some of the complications that arise when applying the OECD BEPS Action Plan 9. Taxing authorities need to focus greater attention on the global trading of financial instruments by multinational financial institutions groups. As South Africa's financial institutions expand across borders, the concerns over transfer pricing and BEPS are likely to intensify. It is therefore imperative that the South African revenue authorities prioritise the recruitment of skilled personnel in order to address the complexities posed by the global trading of financial instruments by multinational financial institution groups.
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Parwada, Jerry T. "Strategic and institutional influences on fund manager investment flows." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 2004. https://ro.ecu.edu.au/theses/766.
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This thesis presents four studies of the influence of fund managers’ strategic decisions and institutional characteristics on investment cashflows. The first study investigates the alleged disintermediation of banks’ traditional deposit-taking in favour of investment management activities. Using data on Australian bank-affiliated funds and a nine-year record of the parent banks’ liability balances, this study finds that managed funds do not displace bank liabilities. Prudential capital adequacy requirements dissuade banks from using in-house managed investments as indirect conduits for raising funds in the same manner as deposit-taking.
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Scott, Douglas Dwayne. "Financial Management Strategies Used to Market Investment Services to Retiring Military Personnel." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/6807.
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Marketing strategies relies on marketing campaigns that target a variety of clients based on demographics to increase profitability through financial planning services. The purpose of this qualitative multiple case study was to explore the marketing strategies financial managers of financial management branch offices used to market their investment services to retiring military personnel. The targeted population comprised 5 financial managers of financial management branch offices in the northeastern region of the United States and surrounding geographical areas who used successful strategies to market investment services to retiring military personnel. Blue ocean theory, which refers to untouched markets, provided the conceptual foundation for the study. The data collection process involved semistructured face-to-face-interviews and document analysis. Data were thematically coded; using data analysis software, 2 themes emerged: the importance of marketing strategies and financial literacy. The findings of the study may contribute to positive social change by providing financial managers with a marketing strategy that may help prospective clients and owners of existing small businesses identify their investment needs, as well as increase the viability of their local communities through cause-related marketing efforts.
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Muwazir, Mukhazir Mohd. "Corporate social responsibility in the context of financial services sector in Malaysia." Thesis, Cardiff University, 2011. http://orca.cf.ac.uk/21878/.
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Malaysia is an ever-growing business hub in Asia. Due to the fact that Malaysia has diverging socio-economic, cultural, ethnic groups, and ethical systems, this study seeks to find out multicultural impacts on corporate social responsibility (CSR) issues and practices in the country. This study encompasses top and executive managers in financial services sector in Malaysia. A total of 1000 questionnaires were given out to the respondents in different segments of financial institutions in Malaysia namely commercial banks, investment banks, brokerage firms, fund management companies, insurance companies, unit trust companies, and large public fund organisations. The questionnaire used in this study was modified from Aupperle, Carroll and Hatfield (1995), Maignan and Ferrell (2000), and Maignan (2001). The questionnaire was used to measure perceptions about CSR elements as proposed by Carroll (1991): economic, legal,ethical and philanthropic responsibilities. The results indicated that top and executive managers ranked ethical responsibilities as the most important CSR duties for corporations. The results from the factor analysis revealed four drivers that were able to motivate corporations to practice CSR namely local and global forces, corporate image,economic performance, and cultural awareness. A depth observation across ethnicity of the respondents revealed that there are no homogenous results, especially with regards to Carroll’s CSR elements. The finding clearly demonstrated a separation of opinions between Malaysian bumiputera and Malaysian non-bumiputera respondents. This is potentially a significant finding since culture gives a significant impact on people attitude, behaviour and perception. The findings from this study suggest a unique CSR model for Malaysia and it is hoped to be the guide for local and international companies that is operating and that will be operating in this country.
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Hernandez, Javier. "Financial services and social structures : a comparative analysis." Thesis, University of Edinburgh, 2014. http://hdl.handle.net/1842/10565.
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Although there is an increasing interest in social sciences amongst policy makers in financial services and investment organisations, not enough is known about the way financial organisations and activities interact with their social environments. In particular, there is a need for more research into the way financial activities are integrated into broader social structures. This thesis will report on a comparative study analysing the practices of financial organisations and their employees in two very different social environments: the UK and Chile. From 38 in-depth interviews with financial practitioners in London, Edinburgh and Santiago de Chile about their job trajectories and experiences, it was possible to analyse the practices of financial organisations in the UK and Chile, with an emphasis on the way they interact with global financial trends and local distributions of power and resources. A sociological account of organisational processes such as recruitment, socialisation, staff allocation, promotion and organisation of work within firms in these countries allowed for description and analysis of the way firms’ practices are related to their social (structural, symbolic and institutional) contexts. The research shows that Chile’s position in the global financial market and local distribution of resources encourage more traditional organisational practices, especially in terms of recruitment, socialisation, staff allocation and promotion, as well as activities performed and the way services are provided. In the UK, on the other hand, all of the above-mentioned processes are more technical, formally designed and competitive.
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Lee, Jihyun. "Factors affecting intention to use online financial services." The Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=osu1064325414.
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Prozesky, Justin. "Towards Positive Social Change: the evolution of transformation in the South African Financial Services sector." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/32971.
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South Africa's democratic transition towards social and economic equality is under constant scrutiny, challenged by rising levels of unemployment, poverty and inequality. Since 1994 the African National Congress government has enacted various legislative interventions to change long-established racial distortions of economic opportunity and wealth accumulation, a number of which target business. The response and role of business in such an environment remains contested, both in literature and practice. There were (and are) calls for the role of businesses to evolve beyond narrow profit maximisation to play a more active part in economic and social transformation. Against this backdrop the Financial Sector Charter was collaboratively developed between the industry and its social partners in 2003 as a route map for such change. Employing a critical realism approach with a longitudinal perspective, this qualitative study explores the perspectives of key protagonists of the Financial Sector Charter on their experiences of developing and implementing the initiative: how it came into being, how it was applied and what could be done differently. Based upon semi-structured interviews with senior leaders from industry, government, black business, trade associations, labour and NGOs, the study reveals a number of issues: a deliberate attempt to leverage the capabilities and competitive forces in the industry to drive change; contestation within government over this approach; and a desire to use the capabilities of the industry to “reset” the country's current path of economic transformation. The significance of the study lies in the hitherto undocumented exposure it gives to the perspectives of the people involved in this unusual form of cross-sector social partnership and their efforts to catalyse positive social change not only in the Financial Services industry but in South Africa more broadly.
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Kapoulas, Alexandros. "The dilemma of electronic relationship marketing within the UK retail financial services sector." Thesis, University of Derby, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.271517.
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Pieroni, Christopher. "The impact of information technology on the location of the financial services sector." Thesis, University of Cambridge, 1988. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.253993.
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Argouslidis, Paraskevas C. "The service elimination process : an empirical investigation into the British financial services sector." Thesis, University of Stirling, 2001. http://hdl.handle.net/1893/16787.
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The present study represents an in-depth empirical investigation into the service elimination process in the British financial services sector. It aims to make a contribution towards the concise development of the literature on service elimination and to provide empirically based recommendations, which can improve the way financial service elimination is practised. The theoretical part of the study focused first on a review of the characteristics of services in general and of financial services in particular and of the service range management activities of financial institutions. Second, the literature on product and service elimination was reviewed. The bulk of this material refers to conceptual propositions and empirical evidence on elimination from manufacturing settings, while conceptual and empirical material from service and financial service settings is alarmingly sparse. The presents tudy conceptualisedth e service elimination process as consisting of three broad stages, a) the pre-elimination stage, b) the actual service elimination decision-making process and c) the post-elimination stage. The study adopted a research approach based on the broad hypothesis that service elimination decisions are not made in a vacuum (as the limited literature on service and financial service elimination assumes explicitly or implicitly) but that they are influenced by contextual organisational and environmental characteristics of companies. Based on the above conceptualisations, the research objectives were to a) identify the content of the service elimination process (i. e., the decision variables involved in the various steps of the process) b) measure the relative importance/frequency of use of the above content and c) measure the influence of a set of contextual independent variables on the relative importance/frequency of use of the content of the service elimination process. To meet the above research objectives, a pluralistic research method was adopted. For the identification component of the research objectives qualitative research (in-depth interviews) was conducted, while for the measurement component quantitative research was conducted(mail survey). The findings indicated that service elimination decisions were the outcome of a multi-step process, which with very few exceptions (i. e., the way in which British financial institutions identified financial services as candidates for elimination) was found to be largely informal and unsophisticated. Moreover service elimination was rated as the least important service range management activity and was allocated the least amount of resources (temporal, monetary and human). The findings also suggested that the content of the service elimination process was both similar and different to elimination practice in manufacturing settings. Among the most obvious similarities was the paramount importance of sales and profitability considerations in making products and financial services candidates for elimination. Among the most striking differences was that while a product is fully eliminated, partial elimination was the predominant outcome of the service elimination process in the studied setting. With regards to the contextual influence, it was found that the relative importance/frequency of the decision variables involved in the service elimination process varied in relation to the type and the size of individual financial institutions, the pursued overall business strategy, and degree of market orientation, the degree of formalisation of the service elimination process, the number of services in the range (service diversity), the type of financial service which is considered for elimination, the method of its delivery process, the intensity of competition and of the legislative environment and the volatility of the technological environment. As such, the findings confirmed the hypothesised dynamism of the service elimination decisions and suggested that any attempt to describe the service elimination process in a golden rule way that fits all companies, all financial services and all environmental circumstances would be misleading.
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Mononga, Omphile. "A framework for organisational adoption of blockchain technology in the financial services sector." Diss., University of Pretoria, 2021. http://hdl.handle.net/2263/81688.
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The financial services sector is riddled with efficiency challenges and high costs resulting from the use of legacy financial systems. A solution for these challenges exists in the form of blockchain technology. However, adoption of blockchain in the financial services sector remains a challenge for several reasons. Key to this is the fact that the technology is still new, and there is a lack of clear information on how management of financial institutions can configure their organisations to prepare them for the adoption of the new technology. By investigating the technological aspects of blockchain technology; the organisational preparedness for adoption; and the environmental dynamics of financial services; this paper presents a framework for organisational adoption of blockchain technology. This framework will assist organisations to first reconfigure themselves to prepare for technological adoption; and second, align themselves to the requirements of adoption of blockchain technology. Through in-depth, semi-structured interviews with experts in the global financial services sector, it was found that there is a methodological approach to the adoption of blockchain technology. Blockchain advocates within organisations will be able to conduct an internal introspection into efficiency challenges they face, learn about blockchain technology, build a business case for adoption, reconfigure the organisation, align the organisation, and adopt blockchain to accord the organisation the necessary efficiencies.Mini Dissertation (MBA)--University of Pretoria, 2021.
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
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Mark, Daniel L. "Investment technolgy for trading business delineating requirements, processes, and design decisions for order-management systems /." [Denver, Colo.] : Regis University, 2008. http://165.236.235.140/lib/DMark2008.pdf.
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Brown, Robert Paul. "Organisational culture and quality improvement : a study." Thesis, University of Plymouth, 1997. http://hdl.handle.net/10026.1/2682.
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The initial direction of this research was in the application of Quality tools and techniques, within the framework of the EFQM Model for Business Excellence. Three quality improvement projects managed by the author (Cost of Quality, BPR and Benchmarking) sought to identify the key elements of a process improvement methodology. However, the completion of the three case studies led the author to review the whole approach of the research. The review led to the need to develop an understanding of the culture and the environment of an organisation as a precursor to implementing quality improvement. The ability of an organisation to manage the process of continuous improvement or TQM implementation was fundamentally dependent on the culture of an organisation. Organisational culture is the bedrock upon which organisational change is based and an understanding of the culture could help the practitioner focus on key change issues at the outset. The main work in the research then set about attempting to develop and test a model of organisational culture and climate which would help practitioners develop a fuller understanding of organisational culture and internal environment before interventions were carried out. A process for developing an understanding of organisational culture and climate was derived, using information obtained from the culture, quality and climate literature and the review of the case studies. This process included the use of various tools and techniques such as multi-item questionnaire and focus groups. The process used Focus Groups to identify key issues within Lloyds TSB and to help develop a multi-item questionnaire, termed PCOC. The PCOC questionnaire was then tested in four different Areas of Lloyds TSB and the results were analysed and compared to identify similarities and differences across Business Areas. The implications for the implementation of quality improvement were identified and recommendations for managing change were made.
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Weait, Matthew John. "The role of the compliance officer in firms carrying on investment business in the City of London." Thesis, University of Oxford, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.294184.
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Kavanamur, David T., University of Western Sydney, College of Law and Business, and School of Marketing and International Business. "Exploring strategic alliance management issues in the financial services sector in Papua New Guinea." THESIS_CLAB_MIB_Kavanamur_D.xml, 2004. http://handle.uws.edu.au:8081/1959.7/742.
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This study is premised on the assumption that because of increased globalisation the trend towards strategic alliances is going to increase in the 21st century. This is evident in the phenomenal growth towards the establishment of alliances the world over despite high failure rates. The study also makes an important assumption that a major cause of alliance failure is managerial in nature and therefore relates to the task performed by alliance managers.Whilst research in the West has attempted to focus on such failings, few researchers have attempted to understand the state of alliances in developing country contexts as well as the reasons for the lack of their successes or otherwise. This study therefore seeks to fill this gap by exploring the managerial issues surrounding alliance management in a developing country, Papua New Guinea. It was found that alliance managers in countries such as Papua New Guinea faced managerial challenges similar to those in their counterparts in developing countries. However, the similary ends there.The research demonstrated that governmental and socio-cultural factors predominate in the national and local environments.It also found that resource deficiencies made alliances highly susceptible to misalignment in strategic intent and structure.Several other findings are discussed in detail. The research resulted in the development of a holistic approach to the study and management of strategic alliances.Doctor of Philosophy (PhD)
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Göthberg, Pauline. "Corporate Social Responsibility in the Swedish Financial Services Sector : Translating an Idea into Practice." Doctoral thesis, KTH, Centrum för bank och finans, Cefin, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-33756.
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This thesis focuses on how popular ideas in society influence corporate behavior, as corporations adapt to normative ideas in society in order to achieve legitimacy. However, we need more knowledge about how ideas influence organizations and what happens when ideas enter in an organizational context. Hence, this thesis deals with the following research question: ‘How do actors transform ideas on being socially and environmentally responsible into practice?’ This question is studied empirically within corporations in the Swedish financial services sector. The thesis contributes to organizational institutional theory and to knowledge on the translation of ideas in organizational contexts. Based on analyses of the empirical observations six translation processes are identified. Incorporation is used to incorporate already legitimate external CSR elements into the organization. Localizing is used to give an idea local character by inscribing the idea into the history of the organization. De-coupling is used to translate ideas simultaneously and over time by adjusting the presentation of the organization’s business according to the relevant audience. Co-optation is used to incorporate external actors with know-how and legitimacy into internal processes. Organizing is used to gain internal acceptance for the idea. Blending is used to translate the idea into a modest adaptation to make it fit existing practice in the firm’s core business. Several of these translation processes are at work at the same time. As demonstrated in the study, new ways of presenting the organization as well as new activities appear as outcomes of translation. Translation processes that both influence presentation and practice are necessary for gaining legitimacy for the idea. The adoption of CSR in the studied financial services corporations could only partly be strategically planned. Results from the study also point to unintended and unexpected consequences of integrating social and environmental responsibility.QC 20110526
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Saeed, Muneer Mohammed. "The loyalty and defection aspects of relationship marketing in the Bahrain financial services sector." Thesis, University of Leeds, 2009. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.530820.
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Akamavi, Raphaël Kossi. "New product development in the UK financial services sector : customers' roles and organisational capabilities." Thesis, University of Leeds, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.437733.
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Foo, Nicole Min-Hui. "The role of relationship norms in customer-brand relationships in the financial services sector." Thesis, University of Edinburgh, 2007. http://hdl.handle.net/1842/12023.
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The thesis expounded in this work is that the relationship between a customer and a brand can be described in two dimensions as communal and exchange, and that these dimensions can be measured by means of a practical metric. The novel brand relationship metric proposed in this research is based on theories of human-to-human relationships in defining customer-brand relationships by means of a set of questionnaire attributes describing the communal and exchange dimensions. Results of experimental validation studies confirm the effectiveness and relevance of such communal and exchange relationships norms in the quantitative characterisation of customer-brand relationships. A controlled experiment is described with a cohort of 69 customers of the Case Bank using Internet and automated teller machine technologies in the context of incentive schemes from the Bank. The experiment examines the impact of the design of incentive schemes on perceptions of relationship with the brand and demonstrates significant evidence that the brand relationship questionnaire is effective in quantifying differences in customer-brand relationship, the extent of the effect depending on what relationship attributes are salient and experienced by the customer within the incentive schemes. In addition, results of a longitudinal empirical study, with a cohort of 66 (different) customers of the Case Bank, confirms that incentive schemes based on communal and exchange attributes are successful at producing statistically significant improvements in perceptions of customer-brand relationship. The longitudinal study also provides evidence that displays of adherence to, or violation of, the norms of communal and exchange relationships also exert a considerable influence on the resultant dynamic perceptions of brand relationship.
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Camilleri, Tania. "Expectations, self-determination, reward-seeking behaviour and well-being in Malta's financial services sector." Thesis, University of Leicester, 2018. http://hdl.handle.net/2381/42869.
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Despite the vast research on the productive aspect of rewards, little is known on how the changes in employees’ behaviour, made to enhance their chances of achieving a reward, influence employee well-being. Previous work has failed to address the process of reward-seeking behaviour from an employee’s point of view as the focus was on the motivational aspect of rewards. This thesis uses the case of Malta’s financial institutions to examine the relationship between reward-seeking behaviour from bonuses and promotions and employee well-being by drawing on expectancy theory and self-determination theory. To achieve its aims, this study adopts a qualitative approach, wherein 42 semi-structured interviews with employees and four interviews with human resources managers are conducted at financial institutions in Malta – two of which are small and medium-sized enterprises and one is a large-sized institution. Memos and diary notes are also used to complement the data collected from the semi-structured interviews. Overall, the results strongly support the idea that while almost everyone values rewards, employees differ in their willingness to engage in reward-seeking behaviour and its influence on well-being. This thesis contributes to knowledge through the development of a theoretical model – the four quadrant reward-seeking behaviour – well-being model. This typology based model classifies employees into four main categories, namely, highly motivated, apathetic, work-life balanced and work-life imbalanced. This two by two matrix also led to another model that depicts reward-seeking behaviour and well-being as a non-sequential process. The findings have practical implications for human resources practitioners as they now have the capacity to visualise the actual employee mix according to the categories of the model and act on any significant gaps.
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Arowolo, Olatunji Mujib. "Strategic Cyber-Risk Implications of Cloud Technology Adoption in the U.S. Financial Services Sector." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/4347.
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According to research, the risks of adopting new technology and the technological and organizational factors that influence adopting it are not clear. Thus, many financial institutions have hesitated to adopt cloud-computing. The purpose of this quantitative, cross-sectional study was to evaluate the cyber-risk implications of cloud-computing adoption in the U.S. financial services sector. The study examined 6 technological and organizational factors: organization size, relative advantage, compliance, security, compatibility, and complexity within the context of cyber-risk. Using a combination of diffusion of innovation theory and technology-organization-environment framework as the foundation, a predictive cybersecurity model was developed to determine the factors that influence the intent to adopt cloud-computing in this sector. A random sample of 118 IT and business leaders from the U.S. financial services sector was used. Multiple regression analysis indicated that there were significant relationships between the intent to adopt cloud-computing by the leaders of financial organizations and only 2 of the 6 independent variables: compliance risk and compatibility risk. The predictive cybersecurity model proposed in this study could help close the gaps in understanding the factors that influence decisions to adopt cloud-computing. Once the rate of cloud-computing adoption increases, this study could yield social change in operational efficiency and cost improvement for both U.S. financial organizations and their consumers.
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Grau, Miró Josep. "Strategic innovation in financial sector: Blockchain and the case of Spanish banks." Thesis, KTH, Entreprenörskap och Innovation, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-189176.
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