Relevant bibliographies by topics / Universal banking

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Universal banking'

Author: Grafiati
Published: 18 May 2024

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Journal articles on the topic "Universal banking"

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Hassenjürgen, Christoph. "Universal banking." Bankfachklasse 43, no. 10 (October 2021): 32–33. http://dx.doi.org/10.1007/s35139-021-0641-3.

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Benston, George J. "Universal Banking." Journal of Economic Perspectives 8, no. 3 (August 1, 1994): 121–43. http://dx.doi.org/10.1257/jep.8.3.121.

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Universal banks can offer the entire range of financial services within the bank or through subsidiaries. Most countries permit universal banking. In contrast, the United States is served only by specialized banks. Universal banking, particularly in Germany, is contrasted with specialized banking with respect to their effect on financial stability, economic development, other financial institutions, concentration of political and economic power, consumer choice, and conflicts of interest. This examination, including a review of relevant empirical studies, leads to the conclusion that universal banking offers many benefits and few costs to U.S. consumers.
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Cameron, Colleen W. "Universal banking and the U.S. banking system." International Advances in Economic Research 1, no. 1 (February 1995): 83–84. http://dx.doi.org/10.1007/bf02295867.

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Saunders, Anthony. "Consolidation and universal banking." Journal of Banking & Finance 23, no. 2-4 (February 1999): 693–95. http://dx.doi.org/10.1016/s0378-4266(98)00103-4.

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Almeida, Heitor, Werner Baer, and Murillo Campello. "Universal banking – Editors’ introduction." Quarterly Review of Economics and Finance 52, no. 2 (May 2012): 103. http://dx.doi.org/10.1016/j.qref.2011.12.010.

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Cameron, Colleen W. "Universal banking and US banking in the 1990s." International Journal of Social Economics 22, no. 4 (April 1995): 12–19. http://dx.doi.org/10.1108/03068299510084573.

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Kouretas, Georgios P., and Athanasios P. Papadopoulos. "The future of universal banking." Journal of Banking & Finance 35, no. 4 (April 2011): 765–67. http://dx.doi.org/10.1016/j.jbankfin.2010.10.025.

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Walter, Ingo. "Universal banking and financial architecture." Quarterly Review of Economics and Finance 52, no. 2 (May 2012): 114–22. http://dx.doi.org/10.1016/j.qref.2011.12.007.

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최선호 and 송승훈. "German Universal Banking Experience and Korean Investment Banking Paradigm." Journal of Contemporary European Studies 27, no. 2 (August 2009): 229–52. http://dx.doi.org/10.17052/jces.2009.27.2.229.

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STANCIU, LAURA. "Italian multinational banking in interwar east central Europe." Financial History Review 7, no. 1 (April 2000): 45–66. http://dx.doi.org/10.1017/s0968565000000032.

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Laura Stanciu, Italian multinational banking in interwar east central EuropeThis article examines the interwar development of multinational investment undertaken by the most prominent Italian universal bank — Banca Commerciale Italiana — in Bulgaria, Hungary, Poland and Romania, referred to here as east central Europe. It analyses the extent to which considerations concerning universal banking's development are valid in the case of Italian multinational investment in this region. The article is neither a study of the 1930s financial crisis nor an analysis of the Italian universal banking per se. Instead, it questions the implicit relationship between the fate of the activities of Banca Commerciale Italiana in east central Europe and the general problems of the universal banking system during the early 1930s. Evidence seems to suggest that the bank's withdrawal from the region, beginning in the late 1920s, was more a result of managerial shortcomings and unsound investment decisions than the crisis.
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Dissertations / Theses on the topic "Universal banking"

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Chanda, Dilip Kumar. "Universal banking in India : its retrospect and prospect." Thesis, University of North Bengal, 1999. http://hdl.handle.net/123456789/226.

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Mathieu, Julien P. "Universal banking in the United States : benefits and risks." Thesis, McGill University, 2003. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=80940.

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The worldwide financial services industry has undergone in the past two decades an unprecedented wave of consolidation within and across its three main sub-sectors: banking, securities activities and insurance. Today's observers assert that in ten years, most of the financial sector will be controlled by a small group of huge diversified banks. By enacting the Gramm-Leach-Bliley Act in 1999, Congress repealed the depression-era "Glass-Steagall" Act of 1933 and thereby officially removed the longstanding legal barriers that insulated banks from securities firms and insurance companies. As promoters of financial convergence have long been claiming that the introduction of universal banks in the United States would produce numerous benefits for themselves, but also for the economy and for their customers, these predictions can be assessed today in the light of empirical analysis. Now that "financial supermarkets" are totally legal in the United States, it is essential to assess whether they are economically and morally viable.
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Albertazzi, Ugo. "Essays in banking." Doctoral thesis, Universite Libre de Bruxelles, 2011. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209878.

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Cette thèse contient trois études sur le fonctionnement des banques.

Le premier Chapitre analyse empiriquement comment la capacité d’offrir des emprunts à long terme est influencée par la dimension des intermédiaires financiers.

Le deuxième Chapitre analyse, avec un model théorique caractérisé par la présence de soft-budget constraint, ratchet effect et short-termism, comment la pression compétitive influence la capacité des banque de financer le firmes ayant des projets de bonne qualité.

Le troisième Chapitre examine, avec un model théorique du type moral hazard common agency, le conflits d'intérêts des banques universelles.

Financial intermediaries are recognized to promote the efficiency of resource allocation by mitigating problems of incentives, asymmetric information and contract incompleteness. The role played by financial intermediaries is considered so crucial that these institutions have received all over the world the greatest attention of regulators.

Across and within banking sectors it is possible to observe a wide variety of intermediaries. Banks may differ in their size, market power and degree of specialization. This variety raises interesting questions about the features of a well functioning banking sector. These questions have inspired an important body of economic literature which, however, is still inconclusive in many aspects. This dissertation includes three studies intending to contribute in this direction.

Chapter 1 will empirically study the willingness of smaller and larger lenders to grant long-term loans which, as credit to SME's, constitute an opaque segment of the credit market. Chapter 2 analyzes, with a theoretical model, the effects of competition on the efficiency of the banking sector when this is characterized by dynamic commitment issues which brings to excessive refinancing of bad quality investments (so called soft-budget constraint) or excessive termination of good ones (ratchet effect and short-termism). Chapter 3 presents a model to investigate to what extent the distortions posed by conflicts of interest in universal banks can be addressed through the provision of appropriate incentive schemes by the different categories of clients.
Doctorat en Sciences économiques et de gestion
info:eu-repo/semantics/nonPublished

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Hughes, Matthieu. "The peculiarities of universal banking : politics, economics and social struggle in the making of German finance." Thesis, University of Sussex, 2016. http://sro.sussex.ac.uk/id/eprint/65083/.

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This dissertation contributes to the global political economy of finance by examining the historical evolution of the German financial system. The origins of Germany's nonmarket financial structure are consistently identified as path-dependent influences of its system of “patient” rather than “speculative” financial capitalism. This thesis revisits the historical evolution and crystallization of German corporate banks on universal, as opposed to specialized, financial practices. In stark contrast to the existing literature that relies on efficiency-based explanations, it emphasizes the political nature of bankers' financial practices, and the role of social power in shaping financial structure. Examining universal banking in this way stands its significance upside down by showing its roots in speculative practices and the politics of industrialization rather than patient finance and efficient calculation. The thesis consists of three parts: Part I delineates the intellectual riddle posed by the received scholarship: “despite obvious connections,” between economics and politics, orthodox political economists have been mystified by the role of power in universal banking's development. It therefore outlines an historical sociology of financial development to reassemble this puzzle. Part II charts the developmental path of German banks from the 18th to mid 19th century. This section first stresses how early universal banking—“mixed-banking”—was an unintended product of the speculative practices of Rhenish financiers engaged in a political struggle over industrialization. It further demonstrates that the adoption of “mixed-banking” practices by corporate banks must similarly be understood in terms of power rather than as a solution to market failure. Part III charts the historical narrative to 1914 highlighting how the early speculative character of “mixed-banking” engendered a transformation into the concrete form of universal banking following social struggles around the introduction of deposit banking. The thesis underscores the general importance of examining economic institutions from the perspective of power.
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Bolehovská, Zuzana. "Zkvalitnění služby GSM Banking pro zákazníky T-Mobile." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2007. http://www.nusl.cz/ntk/nusl-221413.

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This diploma thesis on the theme Improving quality of GSM Banking services for T-Mobile customers deals with detailed analysis of the selected product, which the T-Mobile company has been mediating to all it´s customers for years. This analysis resides in comparing of GSM Banking services with other mobile operators operating on the contemporary Czech market. My thesis contains general theoretical and concrete practical resources, which offer possibilities of improving and innovation of the present situation.
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Atuahene, Richmond Akwasi. "Corporate governance and financial performance : evidence from the Ghanian banking sector." Thesis, University of Bradford, 2016. http://hdl.handle.net/10454/15020.

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Due to widespread bank scandals and failures around the world, there has been renewed interest in the effect of corporate governance on bank performance. The majority of research concerning corporate governance and its effect on bank performance has been undertaken in developed countries and markets, particularly the USA and European Union but relatively little evidence is provided in Sub Saharan Africa, specifically, Ghana. This study investigates the effects of corporate governance on financial performance of Ghanaian universal banking companies during the period 2006- 2014. This study primarily employs relevant governance theories to investigate the relationship between corporate governance and bank performance. Multiple regression panel data analysis and other appropriate methods are the main tools of analysis in this study. The empirical investigation revealed a mixed set of results. The findings showed that board size, board composition, bank size and foreign ownership are positively but insignificantly related to profitability in terms of return on asset and return on equity, while board committees have a positive and statistically significant impact on financial performance which is consistent with the monitoring hypothesis of agency theory which argues that board committees are an important mechanism of corporate governance in Ghana which impact on bank performance. This study contributes to the increasing number of research studies on the link between bank performance and corporate governance. The lacked of clarity, mixed and permanent relationships provided, show that the association the association between bank performance and different corporate governance mechanisms is complex and dynamic optimal governance arrangements may differ from bank to bank in relation to governance characteristics.
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Atuahene, Richmond A. "Corporate governance and financial performance: Evidence from the Ghanian banking sector." Thesis, University of Bradford, 2016. http://hdl.handle.net/10454/15020.

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Due to widespread bank scandals and failures around the world, there has been renewed interest in the effect of corporate governance on bank performance. The majority of research concerning corporate governance and its effect on bank performance has been undertaken in developed countries and markets, particularly the USA and European Union but relatively little evidence is provided in Sub Saharan Africa, specifically, Ghana. This study investigates the effects of corporate governance on financial performance of Ghanaian universal banking companies during the period 2006- 2014. This study primarily employs relevant governance theories to investigate the relationship between corporate governance and bank performance. Multiple regression panel data analysis and other appropriate methods are the main tools of analysis in this study. The empirical investigation revealed a mixed set of results. The findings showed that board size, board composition, bank size and foreign ownership are positively but insignificantly related to profitability in terms of return on asset and return on equity, while board committees have a positive and statistically significant impact on financial performance which is consistent with the monitoring hypothesis of agency theory which argues that board committees are an important mechanism of corporate governance in Ghana which impact on bank performance. This study contributes to the increasing number of research studies on the link between bank performance and corporate governance. The lacked of clarity, mixed and permanent relationships provided, show that the association the association between bank performance and different corporate governance mechanisms is complex and dynamic optimal governance arrangements may differ from bank to bank in relation to governance characteristics.
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Mello, Márcio de Sá. "Pré-ipo capital infusion and underwriting in Brazil: a study on conflicts of interests in the universal banking system." reponame:Repositório Institucional do FGV, 2010. http://hdl.handle.net/10438/8121.

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Mercados financeiros e finanças corporativas
Submitted by Cristiane Shirayama (cristiane.shirayama@fgv.br) on 2011-05-19T19:18:29Z No. of bitstreams: 1 61080100024.pdf: 1412176 bytes, checksum: 251a77ad3597c455b36047930775fd64 (MD5)
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This research paper investigates the issue of pre-IPO capital infusion and underwriting. During the bullish market from 2004 to 2008, a great number of Brazilian companies decided to go public. In many of these issues, the issuing company had received capital from its underwriters through lending and/or equity ownership. Recent research papers in Brazil argue that these loans had the intention to inflate issuing companies and deceive investors. Through an analysis of Earnings Management and Price Stabilization our research found evidences that underwriters stabilize more and with higher intensity those IPOs in which they lent money or bought equity stake in issuing companies. When looking at Earnings Management the result shows no difference between firms that received capital and those that did not.
O presente trabalho busca investigar o impacto das relações de crédito entre underwriters e empresas emissoras. No período de 2004 à 2008 um crescente número de empresas brasileiras aproveitou o cenário de otimismo nos mercados financeiros para emitir ações na bolsa. Boa parte desses negócios envolveu aporte de capital dos underwriters às empresas emissoras, seja por meio de empréstimos ou participação no capital social. Estudos recentes realizados no Brasil acusam tal prática como de comportamento oportunista, onde underwriters estariam levando empresas não preparadas ao mercado. Utilizando-se de análises de Gerenciamento de Resultados e Estabilização de Preços nosso estudo identificou indícios de que underwriters fazem uso da estabilização de preços e em maior intensidade em ofertas onde possuem alguma relação de crédito com a empresa emissora. Já os níveis de Gerenciamento de Resultados são os mesmos para empresas que receberão aporte de capital e àquelas que não receberam.
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Onyia, Okey Peter. "Customer adoption of internet banking : a cross-national study in Scotland and Nigeria of a proposed model of universal determinants." Thesis, University of Strathclyde, 2009. http://oleg.lib.strath.ac.uk:80/R/?func=dbin-jump-full&object_id=22002.

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The impact of the Internet technology on global commercial activities is best appreciated when one considers the tremendous rush by many businesses worldwide into online marketing activities since the year 2000. Among other scholars, Bradley and Stewart (2003) noted the highly indispensable ubiquity of the Internet in global retail banking and therefore predicted a near-universal adoption of Internet banking by 2011. Unfortunately, the global banking industry is currently still battling with persistent reluctance of retail customers to adopt the Internet banking channel due to certain factors, made even worse by the global financial crisis and economic recession precipitated by the collapse of Lehman Brothers of the US in September 2008. Two factors, customer readiness and channel readiness, were hypothesised in the current study as potential universal determinants of retail customer adoption of Internet banking (IB). The study involved two identical surveys carried out simultaneously in Scotland and Nigeria to cross-nationally test a proposed model of eight customer readiness variables and eight web-channel readiness variables in order to determine their universality as factors that can motivate or hinder retail customers' IB channel adoption. The sixteen variables were investigated as the possible universal predictors of customers' attitudes and intentions towards IB adoption using a combined adaptation of Davis' (1989) Technology Acceptance Model (TAM) and Ajzen' (2005) Theory of Planned Behaviour (TPB). A "mixed-mode method" (Wilson, 2006) was employed in primary data collection including web-based, email and intercept surveys. The comparative statistical analyses of the two national data sets involved the use of SPSS and AMOS for factor analyses as well as scale reliability and model invariance tests in both covariance structure and latent mean structure analyses. The results indicate significant scale reliability, convergent validity, discriminant validity, and model fit for the final, re-specified version of the model. Three customer readiness variables (customer access, customer awareness, and customerprior involvement) and three channel readiness variables (channel ease of use, channel usefulness, and channel convenience) were validated in the final SEM model, which was confirmed as an adequate depiction of the hypothesised causal relationships in the study. Consequent upon the forgoing, this study contributes the validated model, named EQUAEVAL, to consumer behaviour and technology adoption theories in financial services marketing. The EQUAEVAL model represents a proposal for an equal evaluation of both customer and channel characteristics as universal antecedents of retail customer adoption of Internet banking. In terms of managerial implications, the study also contributes the validation of customer access, customer awareness, and customer prior involvement on one hand, and channel ease of use, channel usefulness, and channel convenience on the other hand, as issues that financial institutions anywhere in the world must deal with in order to redress the growing customer reluctance to Internet banking adoption.
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Kleeberg, John Martin. "The Disconto-Gesellschaft and German industrialization : a critical examination of the career of a German universal bank 1851-1914." Thesis, University of Oxford, 1988. http://ora.ox.ac.uk/objects/uuid:48874939-164a-4064-8473-3d08d1797559.

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This thesis uses the history of the Disconto-Gesellschaft to argue that the role of universal banks in fostering German industrialization was less than has previously been assumed. The archive of the Disconto-Gesellschaft is not currently accessible, so the thesis will use industrial archives to examine the bank's relations with industrial companies. After a discussion of the literature, a summary of other Disconto-Gesellschaft ventures shows that the Dortmunder Union was not an isolated disaster, but one among many. The thesis discusses the boom of 1867-1873 and. suggests it was engendered by a spate of railway building which fed into heavy industry. The next section recounts how the collapse of universal banks during financial crises led most countries outside Germany to separate commercial from investment banking either by law or by custom. The first chapter concludes with a discussion of how German industry raised capital. The second chapter discusses the origins of the Disconto- Gesellschaft; David Hansemann's introduction of a new corporate form, the Kommanditgesellschaft auf Aktien; the Disconto- Gesellschaft' s rise during the crisis of 1859, relations with competitors, internal structure and the character of its management and supervisory board. The third chapter treats the history of the Dortmunder Union, and the reasons for its failure. The fourth chapter discusses Krupp's difficulties in raising funds; how the Disconto-Gesellschaft coped with the problem of lending to two competing firms, Krupp and the Union; and management of this conflict through the rail cartel. The fifth chapter uses the correspondence of Kirdorf and Russell to discuss the coal industry's plight in the 1870's, and the reasons for the success of the Gelsenkirchener Bergwerks-Actien-Gesellschaft. The conclusion suggests that private banks were more successful in financing industry than universal banks like the Disconto-Gesellschaft because their great number meant that even a Krupp could find a private banker who believed in him, and because their narrow capital bases prevented them from keeping lame ducks alive.
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Books on the topic "Universal banking"

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Anthony, Saunders, ed. Universal banking and the separation of banking and commerce. Amsterdam: Elsevier Science Publishers, 1994.

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Walter, I. Universal banking: A shareholder value perspective. Fontainebleau: INSEAD, 1996.

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Canals, Jordi. Universal banking: International comparisons and theoretical perspectives. Oxford [England]: Clarendon Press, 1997.

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Calomiris, Charles W. Universal banking and the financing of industrial development. [Washington, D.C.]: World Bank, Policy Research Dept., Finance and Private Sector Development Division, and Financial Sector Development Dept., 1995.

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Gorton, Gary. Universal banking and the performance of German firms. Cambridge, Mass: National Bureau of Economic Research, 1996.

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Shroff, Kersi B. Firewalls or Chinese walls in European universal banking. Washington, D.C.]: Law Library of Congress, 1989.

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Verdier, Daniel. Universal banking and bank failures between the wars. Badia Fiesolana: European University Institute, Department of Political and Social Sciences, 1997.

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Allen, Franklin. Universal banking, intertemporal risk smoothing, and european financial integration. Philadelphia: Federal Reserve Bank of Philadelphia, Economic Research Division, 1995.

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Lang, Günter. Size and cost efficiency in universal banking: Empirical analysis of the German Banking Industry. Warsaw: National Bank of Poland, Research Dept., 1996.

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Chakravorti, Sujit. Universal access, cost recovery, and payment services. Chicago, Ill.]: Federal Reserve Bank of Chicago, 2005.

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Book chapters on the topic "Universal banking"

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Benston, George J. "Universal Banking." In The Separation of Commercial and Investment Banking, 179–214. London: Palgrave Macmillan UK, 1990. http://dx.doi.org/10.1007/978-1-349-11280-7_10.

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Rogers, David. "Universal Banking: Does It Work?" In Creating Value in Financial Services, 37–52. Boston, MA: Springer US, 2000. http://dx.doi.org/10.1007/978-1-4615-4605-4_3.

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Rogers, David. "Universal Banking: Benchmarks from Britain." In The Big Four British Banks, 197–222. London: Palgrave Macmillan UK, 1999. http://dx.doi.org/10.1007/978-1-349-27760-5_10.

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Peláez, Carlos M., and Carlos A. Peláez. "Universal Banking, Governance, and Compensation." In Financial Regulation after the Global Recession, 91–120. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230251243_5.

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Itschert, Jörg, and Rehan ul-Haq. "Universal Banking: From National Peculiarity to Ideology." In International Banking Strategic Alliances, 97–108. London: Palgrave Macmillan UK, 2003. http://dx.doi.org/10.1057/9781403937629_11.

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Walter, Ingo. "Universal Banking: A Shareholder Value Perspective." In Creating Value in Financial Services, 53–83. Boston, MA: Springer US, 2000. http://dx.doi.org/10.1007/978-1-4615-4605-4_4.

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Ferrari, Roberto. "FinTech Impact on Retail Banking - From a Universal Banking Model to Banking Verticalization." In The FinTech Book, 248–52. Chichester, UK: John Wiley & Sons, Ltd, 2016. http://dx.doi.org/10.1002/9781119218906.ch65.

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Ligeti, Sándor. "Universal Banking in Central and Eastern Europe." In The Recent Evolution of Financial Systems, 203–13. London: Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_11.

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Rogers, David. "Lloyds: a Deviant Case, Rejecting Universal Banking." In The Big Four British Banks, 42–66. London: Palgrave Macmillan UK, 1999. http://dx.doi.org/10.1007/978-1-349-27760-5_4.

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Lindblom, Ted, and Martin Andersson. "Recent Developments in Retail Banking in Scandinavia: Narrow v. Universal Banking." In The Recent Evolution of Financial Systems, 181–202. London: Palgrave Macmillan UK, 1997. http://dx.doi.org/10.1007/978-1-349-14192-0_10.

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Conference papers on the topic "Universal banking"

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Blasi, Lorenzo, Reijo Savola, Habtamu Abie, and Domenico Rotondi. "Applicability of security metrics for adaptive security management in a universal banking hub system." In the Fourth European Conference. New York, New York, USA: ACM Press, 2010. http://dx.doi.org/10.1145/1842752.1842792.

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VERSAL, Nataliia, Vasyl ERASTOV, and Mariia BALYTSKA. "IS DIGITAL 'NEW NORMAL' OR 'CHALLENGE' FOR BANKS UNDER COVID-19?" In International Scientific Conference „Contemporary Issues in Business, Management and Economics Engineering". Vilnius Gediminas Technical University, 2021. http://dx.doi.org/10.3846/cibmee.2021.608.

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Purpose – to reveal prerequisites of technology-enabled banking development in Lithuania, Poland, and Ukraine; to identify if digitalization was a beneficial factor in households deposits-raising during the COVID-19. Research methodology is twofold: analysis of digitalization index based on World Bank data as a premise of tech-nology-enabled banks development; beta-coefficient analysis and descriptive statistics – for digitalization influence assessment. Findings – digitalization index analysis showed that Lithuania has a more generous benefit in terms of digitalization. Poland and Ukraine follow with a slight gap. Traditional banks of analyzed countries are acting towards digitalization but at different paces. There are both digital and neobanks in Lithuania and Poland, while in Ukraine only digital banks. Analysis of Ukrainian banks deposits highlighted the fact that digital banks were in some cases more preferable for households, especially during a pandemic. Research limitations – lack of data: common digitalization indexes could not be calculated for Ukraine; differences in countries’ banking data: content and structuring criteria. Practical implications – the results could be important for policy recommendations to tackle the blind spots of banking digitalization. Originality/Value – suggested digitalization index could be utilized as a universal. Due to DESI limitations, common for EU countries, we were to create our own index and compare results with calculated by European Commission DESI values. While DESI is calculated using some specific survey data, the proposed index is using standardized data of World Bank; the results of digital and traditional banks deposits comparison could be useful for further study.
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Reports on the topic "Universal banking"

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Gorton, Gary, and Frank Schmid. Universal Banking and the Performance of German Firms. Cambridge, MA: National Bureau of Economic Research, February 1996. http://dx.doi.org/10.3386/w5453.

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Emmons, William R., and Frank A. Schmid. Universal Banking,Allocation of Control Rights, and Corporate Finance in Germany. Federal Reserve Bank of St. Louis, 1998. http://dx.doi.org/10.20955/wp.1998.001.

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Calomiris, Charles. Corporate-Finance Benefits from Universal Banking: Germany and the United States, 1870-1914. Cambridge, MA: National Bureau of Economic Research, July 1993. http://dx.doi.org/10.3386/w4408.

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Kaufman, George G., and Randall S. Kroszner. How Should Financial Institutions and Markets be Structured?: Analysis and Options for Financial System Design. Inter-American Development Bank, February 1997. http://dx.doi.org/10.18235/0011592.

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Abstract:
This paper analyzes the consequences of alternative financial structures for financial efficiency and stability. The focus is on the organizational structure of banks. Alternative bank structures range from 'narrow banks' to broad 'universal banks.' Each banking structure is assessed in its ability to satisfy the objectives of efficiency and stability in the financial system stability, economies of scale and scope, competition, avoiding regulatory capture, conflicts of interest and political manipulation, corporate control and management of financial distress, and monetary control. No one reform is appropriate for all countries, and no single reform guarantees that the objectives will be attained or maintained.
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5

Papí-Gálvez, Natalia, and Daniel La Parra-Casado. Informe 2022. Càtedra de Bretxa Digital Generacional. Les persones majors en l’era de la digitalització a la Comunitat Valenciana (Dades 2021). Càtedra de Bretxa Digital Generacional, 2022. http://dx.doi.org/10.14198/bua.2022.papi.infv.

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The Research Chair in the Generational Digital Divide undertakes activities aimed at furthering knowledge about the causes, consequences and solutions to the digital divides caused by age gaps. This report shows the research project carried out in 2021 to learn more about how the digital divide affects over 54s living in the Valencia Region, by province, with a focus on intergenerational relationships. To this end, an exploratory survey targeted at over 54s years old and over 39s years old in the Valencia Region, based on primary sources and combining quantitative and qualitative techniques, has been conducted. The data reveals that, while a large percentage of over 54s declare that they have access to and are users of new technologies, much remains to be done for access and usage to become universal, especially at older ages. The report analyses how technology is used, considering its purpose and context, according to age and other significant variables. Differences in technology usage have been found across age groups and between women and men. The report contains information on, among other relevant aspects, online services, and especially on e-banking, the healthcare system and e-administration. Differences between age groups have been found for all indicators, shedding light on intergenerational relationships within the family that are crucial for older people. The Research Chair is an initiative by the Valencia Region Government’s Directorate General for the Fight Against the Digital Divide and stems from the collaboration between the Regional Department for Innovation, Science, Universities and Digital Society and the University of Alicante.
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6

Papí-Gálvez, Natalia, and Daniel La Parra-Casado. Informe 2022. Cátedra de Brecha Digital Generacional. Las personas mayores en la era de la digitalización en la Comunidad Valenciana (datos 2021). Cátedra de Brecha Digital Generacional, 2022. http://dx.doi.org/10.14198/bua.2022.papi.infc.

Full text
Abstract:
The Research Chair in the Generational Digital Divide undertakes activities aimed at furthering knowledge about the causes, consequences and solutions to the digital divides caused by age gaps. This report shows the research project carried out in 2021 to learn more about how the digital divide affects over 54s living in the Valencia Region, by province, with a focus on intergenerational relationships. To this end, an exploratory survey targeted at over 54s years old and over 39s years old in the Valencia Region, based on primary sources and combining quantitative and qualitative techniques, has been conducted. The data reveals that, while a large percentage of over 54s declare that they have access to and are users of new technologies, much remains to be done for access and usage to become universal, especially at older ages. The report analyses how technology is used, considering its purpose and context, according to age and other significant variables. Differences in technology usage have been found across age groups and between women and men. The report contains information on, among other relevant aspects, online services, and especially on e-banking, the healthcare system and e-administration. Differences between age groups have been found for all indicators, shedding light on intergenerational relationships within the family that are crucial for older people. The Research Chair is an initiative by the Valencia Region Government’s Directorate General for the Fight Against the Digital Divide and stems from the collaboration between the Regional Department for Innovation, Science, Universities and Digital Society and the University of Alicante.
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