Journal articles: '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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Hussein Al-Mzwry, Hussein Ahmed. "The Roles of Customer's Capital As Human Resource Achieving The Universal Banking." Journal of University of Human Development 2, no. 1 (January 31, 2016): 296. http://dx.doi.org/10.21928/juhd.v2n1y2016.pp296-319.

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The present research aims at the a knowledgement of the role the customer capital as human resource in achieving the universal banking , since the customer is considered the chief concern , and the aria where all banks should focus and the key elements of profitability so , the presnt research attempts energizing and activating the customer capital through four strategices for ( strategy of attracting new gruops of andividuals, strategy of maximizng supporting the customer's comfort , , strategy of financial activity, strategy of keeping the banks liquidity ) to act as a tool that assists the working commercial banks in duhok province achieve the universal bankig in to reality in this sense two hypotheses were made to examine, the effect on the relationship between the customer capital and universal banking accordingly , afield study was a dopted through a questionnaire list that was distributed to sample of manegers and haed of departments working in the banks of duhok province . the study concluded many results some of which were represented in the following ; there is a hung concern with customers capital made by those banks managements and also the increasing raise of the universal banking in the banks of duhok province

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Walter, Ingo. "Universal Banking: A Shareholder Value Perspective." Financial Markets, Institutions and Instruments 6, no. 5 (December 1997): 84–113. http://dx.doi.org/10.1111/1468-0416.00017.

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Walter, Ingo. "Universal banking: A shareholder value perspective." European Management Journal 15, no. 4 (August 1997): 344–60. http://dx.doi.org/10.1016/s0263-2373(97)00015-7.

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John, Kose, Teresa A. John, and Anthony Saunders. "Universal banking and firm risk-taking." Journal of Banking & Finance 18, no. 2 (January 1994): 307–23. http://dx.doi.org/10.1016/0378-4266(94)00037-9.

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Choi, Jay Pil, and Christodoulos Stefanadis. "Monitoring, cross subsidies, and universal banking." International Journal of Industrial Organization 43 (November 2015): 48–55. http://dx.doi.org/10.1016/j.ijindorg.2015.09.001.

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Burghof, Hans-Peter. "Credit and Information in Universal Banking." Schmalenbach Business Review 52, no. 3 (July 2000): 282–309. http://dx.doi.org/10.1007/bf03396621.

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Tombini, Alexandre. "UNIVERSAL BANKING: The view from Brazil." Quarterly Review of Economics and Finance 52, no. 2 (May 2012): 154–57. http://dx.doi.org/10.1016/j.qref.2011.12.006.

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Bugeja, George. "Universal banking and the return of ‘glass-steagall’." Journal of Governance and Regulation 2, no. 3 (2013): 84–97. http://dx.doi.org/10.22495/jgr_v2_i3_c1_p1.

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The article aims to consider the arguments for and against universal banking and considers universal banking within different systems of law. The author also provides insight into the discussions on the changes to the banking regulatory infrastructure and the implications which this may have.

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Karunakaran, N., and T. Bayavanda Chinnappa. "Road ahead of Indian banking through universal banking and regulatory environment." Journal of Management Research and Analysis 8, no. 4 (December 15, 2021): 189–92. http://dx.doi.org/10.18231/j.jmra.2021.036.

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The challenges staring at banking today need not result in a feeling of inadequacy. The IT framework in India had strong ground and the industry has been showing significant growth rates in the previous years, with the financial sector having benefited immensely from the offerings of IT. Banks have commenced to grow laterally and at an exponential rate. As India develops into a formidable force, it is Information Technology, which holds the key to the process of transformation. The key strengths lie in knowledge processing and as bankers performing this function quite well both for customers as well as for the growth of organizations. This underlying strength will ensure the key to success.

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Guinnane, Timothy W. "Delegated Monitors, Large and Small: Germany's Banking System, 1800–1914." Journal of Economic Literature 40, no. 1 (February 1, 2002): 73–124. http://dx.doi.org/10.1257/0022051026985.

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Banks play a greater role in the German financial system than in those of the United States or Britain. Germany's large universal banks are admired by those who advocate bank deregulation in the United States. Others admire the universal banks for their supposed role in corporate governance and industrial finance. Many discussions distort the German banking system by overstressing one of several types of banks, and ignore the competition and cooperation between the famous universal banks and other banking groups. Tracing the historical development of the German banking system from the early nineteenth century places the large universal banks in context.

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Boyd, John H., Chun Chang, and Bruce D. Smith. "Moral Hazard under Commercial and Universal Banking." Journal of Money, Credit and Banking 30, no. 3 (August 1998): 426. http://dx.doi.org/10.2307/2601249.

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Shabani, Mimoza, and Carmela D'Avino. "A new approach to measuring universal banking." Bulletin of Economic Research 72, no. 4 (August 9, 2020): 353–79. http://dx.doi.org/10.1111/boer.12261.

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Johnson, William C., and Jennifer Marietta-Westberg. "Universal Banking, Asset Management, and Stock Underwriting." European Financial Management 15, no. 4 (September 2009): 703–32. http://dx.doi.org/10.1111/j.1468-036x.2008.00475.x.

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Saunders, Anthony, and Ingo Walter. "Financial architecture, systemic risk, and universal banking." Financial Markets and Portfolio Management 26, no. 1 (December 22, 2011): 39–59. http://dx.doi.org/10.1007/s11408-011-0175-9.

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Mensah, Franklin Amuakwa, George Marbuah, Victoria N. Sam, and Alfred Barimah. "Credit risk and universal banking: evidence from the banking industry in Ghana." International Journal of Computational Economics and Econometrics 5, no. 4 (2015): 406. http://dx.doi.org/10.1504/ijcee.2015.072294.

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Macher, Flora. "The Austrian banking crisis of 1931: a reassessment." Financial History Review 25, no. 3 (December 2018): 297–321. http://dx.doi.org/10.1017/s0968565018000136.

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The current literature on the causes of the Austrian financial crisis in 1931 emphasises both foreign and domestic factors. This article offers new data to analyse this issue. Its findings reinforce the importance of a domestic factor in bringing about the crisis: universal banks’ exposure to industrial enterprises, which were the universal banks’ main borrowers and creditors. During the 1920s, these industrial enterprises failed to perform well, rendering the universal banks insolvent. The Credit-Anstalt, which became an ‘acquirer of last resort’ for three other universal banks during the 1920s, was insolvent as early as 1925. The bank, however, could have avoided bankruptcy had it been spared the burden of Unionbank's non-performing assets.

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Sotelino, Fernando B., and Rodrigo B. Gonzalez. "Universal Banking Post Crisis: Past and Future of International Corporate and Personal Banking." Universal Journal of Accounting and Finance 4, no. 3 (June 2016): 97–106. http://dx.doi.org/10.13189/ujaf.2016.040301.

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Gorton, Gary, and Frank A. Schmid. "Universal banking and the performance of German firms." Journal of Financial Economics 58, no. 1-2 (January 2000): 29–80. http://dx.doi.org/10.1016/s0304-405x(00)00066-0.

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Xie, Lili. "Universal Banking, Conflicts of Interest and Firm Growth." Journal of Financial Services Research 32, no. 3 (September 27, 2007): 177–202. http://dx.doi.org/10.1007/s10693-007-0016-1.

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Banerji, Sanjay, and Parantap Basu. "Universal banking, asymmetric information and the stock market." Economic Modelling 60 (January 2017): 180–93. http://dx.doi.org/10.1016/j.econmod.2016.09.009.

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Dayag, Antonio Jaramillo. "Growth Growth of Universal Banking in the Philippines: A Correlational Study with Economic Growth." International Journal of Finance & Banking Studies (2147-4486) 8, no. 3 (August 31, 2019): 66–76. http://dx.doi.org/10.20525/ijfbs.v8i3.496.

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Banks are believed to instrumental to economic growth because it provides the financial backbone needed to spur economic development through business creation and expansion. A healthy and resilient banking sector signals economic growth and development that is sustainable. The efficient transfer of funds from those that has surplus of them towards those that need them has been made possible due to the intermediation of banks. In the Philippines, banking formally started in 1851 with the establishment of the Bank of the Philippine Islands, which up to this day, stands to be one of the country’s biggest and most stable universal bank. This study analyzes how universal banks grew over the years, and determines whether a correlation exists between universal bank growth and economic growth, using the variable of GDP growth rate as proxy for economic growth. The study showed that at the most recent periods, universal banks’ ROE and ROA are negatively correlated with GDP growth rate. Key words: Universal banks, History of banking, Economic growth of the Philippines, GDP growth rate

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Goswami, Chandana, and Nilanjana Deb. "Tracing the Path to Universal Banking: The Indian Scenario." Journal of Nepalese Business Studies 7, no. 1 (July 9, 2012): 17–30. http://dx.doi.org/10.3126/jnbs.v7i1.6399.

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In India, the Commercial Banking sector has been the dominant element in the country’s financial system and performed the key functions of providing liquidity and payment services to the real sector, and has accounted for bulk of the financial intermediation process. However, since early 1990s, the Indian banking sector has been subjected to various reform measures initiated by the Government at the backdrop of economy-wide structural adjustment programme and also in response to the unsatisfactory economic and qualitative performance of the Public Sector Banks owing to lack of competition, low capital base, low productivity and high intermediation cost.Financial sector reforms have uprooted many of the outdated regulatory fences within which banks were required to carry out their activities. This provided more liberty to banks and they started exploiting different areas of operation. Gradually, many of the banks, apart from their indigenous function i.e., banking, started having substantial interests in all sorts of financial businesses like insurance, funds management, mutual funds, securities trading etc. Eventually, such a bank acquired the status of Financial Conglomerate and slowly began moving towards Universal Banking framework. However, in this process, the risk exposure of banks increased further and also it has raised a question on what should be the effective regulatory system for monitoring such conglomerates.Therefore, an attempt is made to trace the path of transition of Indian banks towards Universal banking framework, their risk exposure, opportunities and challenges confronted in this process of transition and the regulatory system needed to monitor such entities.The Journal of Nepalese Business Studies Vol. Vii, No. 1, 2010-2011Page : 17-30Uploaded date: July 7, 2012

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Boyd, John H. "Expansion of commercial banking powers … or, universal banking is the cart, not the horse." Journal of Banking & Finance 23, no. 2-4 (February 1999): 655–62. http://dx.doi.org/10.1016/s0378-4266(98)00101-0.

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Müslüm oğlu Müslümov, Namiq. "The main directions of development of the modern banking system." SCIENTIFIC WORK 76, no. 3 (March 18, 2022): 90–94. http://dx.doi.org/10.36719/2663-4619/76/90-94.

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Son illərdə qlobal bank sistemi informasiya texnologiyalarında sahəsində baş verən inqilabi yeniliklərin və yeni pul-maliyyə münasibətlərinin təsiri ilə əhəmiyyətli dəyişikliyə məruz qalmışdır. Banklar öz müştərilərinə xeyli sayda və günbəgün yenilənən xidmətlər təklif edir və beləliklə, aqressiv şəkildə bəzi bank olmayan sahələrə daxil olur və universal maliyyə institutlarına çevrilirlər. Müasir dünyanın bank işində biz öz fəaliyyətinə görə milli sərhədləri aşaraq beynəlxalq bank sahəsinə daxil olan bank və maliyyə institutları nəzərə çarpmağa başlamışdır. Bu cür bank və kredit təşkilatları beynəlxalq və regional maliyyə və bank institutları ilə birlikdə beynəlxalq bankçılığı təşkil edirlər. Açar sözlər: bank, bank və maliyyə xidmətləri, informasiya texnologiyaları, qlobal bankçılıq Namiq Muslum Muslimov The main directions of development of the modern banking system Abstract In recent years, the global banking system has undergone significant changes under the influence of revolutionary innovations in the field of information technology and new monetary relations. Banks offer their customers a large number of services that are updated on a daily basis, and thus aggressively enter some non-banking sectors and become universal financial institutions. In the banking business of the modern world, we have begun to notice banking and financial institutions that have crossed national borders and entered the field of international banking. Such banks and credit organizations, together with international and regional financial and banking institutions, organize international banking. Key words: banking, banking and financial services, information technology, global banking

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Diamond, Douglas W. "Comment on Moral Hazard under Commercial and Universal Banking." Journal of Money, Credit and Banking 30, no. 3 (August 1998): 469. http://dx.doi.org/10.2307/2601250.

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Midgley, J. "Financial inclusion, universal banking and post offices in Britain." Area 37, no. 3 (September 2005): 277–85. http://dx.doi.org/10.1111/j.1475-4762.2005.00631.x.

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Wixforth, Harald. "Das Universalbanksystem – Ein Erfolgsmodell auf den Finanzmärkten?" Jahrbuch für Wirtschaftsgeschichte / Economic History Yearbook 58, no. 2 (November 27, 2017): 583–612. http://dx.doi.org/10.1515/jbwg-2017-0021.

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Abstract The recent debate on the structure of financial systems created harsh criticism of the business policy of the great universal banks. Economists as well as prominent experts in banking demanded a strict control of their business or even their liquidation. On the other hand, the banks themselves, together with representatives of economic interest groups, defended the status quo. Their argument is that the universal banking systems created great benefits for the economy in several central European countries during the last 150 years. Historical evidence, however, reveals that this is not true. Universal banks were not an instrument to stabilize economies in times of crises. On the contrary, crises were aggravated by their business policy on several occasions. In sum, historical analysis shows that the actual business operations and influence of universal banks in modern economies have to be scrutinized closely.

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Morales, Dave T., and Fernando L. Trinidad. "DIGITAL MORTGAGE BANKING ACCEPTABILITY IN PHILIPPINE UNIVERSAL BANKS: EVIDENCE FROM UTAUT MODEL." Journal of Information System and Technology Management 4, no. 15 (December 10, 2019): 01–15. http://dx.doi.org/10.35631/jistm.415001.

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The changing consumer behaviour all over the world has resulted in the shift of businesses into becoming client-centric. Clients nowadays want convenience, faster processes, seamless transactions, and instant service. The banking sector is not excused with these changes. In fact, bank clients want the same; bank services at the tip of their fingertips. So how should banks respond to these growing demands of clients? Involving technology in bank operations will ensure faster, more convenient, and more seamless transactions as this allows clients to access bank services anytime and anywhere. This study particularly paid attention to the digitization of mortgage banking using the UTAUT model to better understand its acceptability among its clients. The empirical results found that the determinants of behavioural intention to accept digital mortgage device among mortgage clients were facilitating conditions, performance expectancy and effort expectancy. Furthermore, results revealed that performance expectancy is directly related to internet time, frequency of product purchase using a mobile device and use of mobile banking.

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Akimova, I. P., M. M. Begichev, and Alexander V. Vlasov. "DIGITALIZATION OF THE BANKING SECTOR: NEW CHALLENGES AND PROSPECTS." Scientific notes of the Russian academy of entrepreneurship 19, no. 3 (October 20, 2020): 70–80. http://dx.doi.org/10.24182/2073-6258-2020-19-3-70-80.

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Russian banks from the Top 30 see the future for the transformation of banking institutions with the provision of a wide range of services. These banks began to invest heavily in the development of financial IT technologies that help in the development and implementation of innovative pilot projects. The banking sector of Russia, under the influence of the pandemic and universal self-isolation, has entered the top five most successful countries offering digital banking opportunities. The critical situation was the impetus for the introduction of IT-technologies in the banking sector.

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Mardanugraha, Eugenia, and Muliaman D. Hadad. "FENOMENA UNIVERSAL BANKING DITINJAU DARI PERSEPSI PELAKU SISTEM KEUANGAN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 9, no. 2 (February 13, 2007): 5–20. http://dx.doi.org/10.21098/bemp.v9i2.202.

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The development of the financial system tends to move to a liberalized system where the geographical border vanished as well as the limitation on the function of the financial institution. The product intersection and similiarity across the bank, insurance and securiy gives the signal of the integration process into one multi-function financial institution, which in turn create a universal bank; a bank that run both bank and non-bank function.This tendency requires a stronger cooperative coordination between the bank and the non-bank regulator, yet the explicit forms of the relationships are not defined well. This papaer highlights this issue by analyzing and contrasting the perception about the bank and the non-bank institution. The aim of this paper is to provide a insight for the regulators of how to coordinate and control this unifying functional process between the bank and the non-bank institution in Indonesia.Keywords : universal banking, financial coordination, IndonesiaJEL Classification : E52, G21, G22, G28

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Suzanne Harrison, Tina, Okey Peter Onyia, and Stephen K. Tagg. "Towards a universal model of internet banking adoption: initial conceptualization." International Journal of Bank Marketing 32, no. 7 (September 30, 2014): 647–87. http://dx.doi.org/10.1108/ijbm-06-2013-0056.

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Purpose – The purpose of this paper is to propose that customer readiness and web-channel readiness for internet banking (IB) adoption are the twin universal determinants of retail customers’ attitudes and intention towards IB-adoption. The paper delineates IB-readiness as the state of preparedness, ability, and willingness to engage in IB, and the authors argue that both the potential banking customer and the financial institution's web-channel must be equally ready before IB-adoption can occur. This paper presents the results of the initial test of the IB-readiness model with a sample of retail banking customers in Scotland. Design/methodology/approach – Nine customer-related and ten channel-related predictor-variables isolated from existing literature were tested for their effects on attitude and intention towards IB-adoption. Seven demographic mediators were also tested for their impacts on the effects of the predictor-variables on attitude and intention. A sample of 1,000 customers was surveyed. Multiple regression and logistic regression analyses were used to test the influence of the predictors and mediators. Findings – Of the seven mediators, only three were significant. Also, only eight of the original 19 predictor-variables were significant, with the impact of mediation, in determining customer attitude and intention towards IB-adoption. Practical implications – The results present some consumer behaviour and marketing communications implications for bank marketing. To convince potential customers to adopt and continue using IB, bank marketers must ensure that the eight predictors validated in this study are facilitated and sustained. Originality/value – A valuable contribution of the paper to the global IB-adoption theory is an equal evaluation model of potential universal antecedents of IB-adoption – the “EQUAEVAL” – which can be further-tested in future cross-national research.

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Muhammad, Rifqi. "IMPLEMENTASI GOOD CORPORATE GOVERNANCE PADA INDUSTRI PERBANKAN MENUJU UNIVERSAL BANKING." Jurnal Aplikasi Bisnis 6, no. 9 (September 8, 2006): 717–27. http://dx.doi.org/10.20885/jabis.vol6.iss9.art3.

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Thomas, Hugh, and Ingo Walter. "The Introduction of Universal Banking in Canada: An Event Study." Journal of International Financial Management & Accounting 3, no. 2 (June 1991): 110–32. http://dx.doi.org/10.1111/j.1467-646x.1991.tb00100.x.

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Corvalan, Jorge. "The Paraguayan financial system and Paraguay's experience in universal banking." Quarterly Review of Economics and Finance 52, no. 2 (May 2012): 158–61. http://dx.doi.org/10.1016/j.qref.2011.12.011.

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Chmielarz, Witold, and Konrad Łuczak. "Mobile Banking in the Opinion of Users of Banking Applications in Poland." Applied Mechanics and Materials 795 (October 2015): 31–38. http://dx.doi.org/10.4028/www.scientific.net/amm.795.31.

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The objective of this article is to present and analyze the findings of a survey concerning mobile banking services offered by commercial banks to individual clients. The present study conducted by the authors examines the use of banking products and services offered in the mobile channel and the opinions of individual customers on the subject. The findings presented in the article focus on mobile banking applications offered by universal banks in Poland available for mobile devices running the Android, iOS and WindowsPhone operating systems. The paper presents general assumptions of the study, description of the methodology and research sample as well as the analysis of the obtained findings and their discussion. The quantitative study was conducted on a selected sample of respondents with the application of a standardized evaluation method used for the assessment of selected banking products and services.

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Moser, Florian. "Mobile Banking." International Journal of Bank Marketing 33, no. 2 (April 7, 2015): 162–77. http://dx.doi.org/10.1108/ijbm-08-2013-0082.

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Purpose – Though Mobile Banking has raised high expectations in research and practice, it neither experienced broad adoption nor allows it banks to realize additional earnings yet. By analyzing the discourse in form of publications in research and practice as a proxy for the subsequent actual adoption, the purpose of this paper is to examine whether Mobile Banking is just a fashionable concept and whether academics or practitioners are leading the debate on Mobile Banking. Design/methodology/approach – On the basis of academic and practical Mobile Banking publications from the last 13 years, discourse analysis was applied to examine patterns in the Mobile Banking literature and thus debate in research and practice. Previous patterns have been extended to examine whether the Mobile Banking discourse has fashionable aspects indicating a transient hype or whether it indicates long-term institutionalization. By differentiating between academic and practical publications, the different roles have been analyzed. Findings – Mobile Banking discourse shows a positive trend indicating a broader adoption in nearer future which should encourage both researchers and practitioners to stay involved in the topic. Temporary developments and the emergence of technological innovations (e.g. Universal Mobile Telecommunications System, iPhone) created a fashionable hype around Mobile Banking showing that the acceptance is probably linked to developments like convenience, usefulness or availability. New phenomenon like social networks thus should be integrated in future considerations regarding Mobile Banking. Originality/value – First study about the fashionable aspect in Mobile Banking literature discourse. Combination of conceptual work, literature review and methodological approach in form of regression and pattern analysis. Applies the method of a former work and extends the methodology by the characteristics of fashionable innovations.

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De Leon, Myra V. "Factors influencing behavioural intention to use mobile banking among retail banking clients." Jurnal Studi Komunikasi (Indonesian Journal of Communications Studies) 3, no. 2 (July 2, 2019): 118. http://dx.doi.org/10.25139/jsk.v3i2.1469.

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Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.

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Kim, Gyu-Bae, Bum-Joon Kim, and Se-Won Kwon. "A Study on the Universal Expansion Plan of Private Banking Service Focused on the Postal Banking Service." Journal of Industrial Economics and Business 29, no. 6 (December 31, 2016): 2607. http://dx.doi.org/10.22558/jieb.2016.12.29.6.2607.

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Owusu, Okyere Emmanuel, Antwi Joseph Baafi, and Darkwah Portia Agyei. "Enhancing Financial Stability in Ghana's Universal Banking Sector: A Governance Perspective and Practical Insights." Journal of Business and Strategic Management 9, no. 1 (January 6, 2024): 1–21. http://dx.doi.org/10.47941/jbsm.1607.

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Abstract:

Purpose: This study investigates the impact of corporate governance structures on financial distress within the universal banking sector in Ghana. Methodology: The research systematically gathers data from 19 banks spanning 10-year period. Financial distress indicators were extracted from financial statements, while corporate governance measures were obtained from annual reports. The data was analysed through regression analysis and counterfactual analysis through an endogenous switching regression model. Findings: Key findings reveal that profitability, liquidity, and effective risk management are critical factors influencing financial distress in both strong and weak governance environments. The results also showed that improving the strength of Corporate Governance has a positive influence on Altman Z Scores, contributing to a potential reduction in financial distress. Unique contributor to theory, policy and practice: The study provides valuable insights for policymakers, regulators, and banking institutions in Ghana, emphasizing the need to prioritize and strengthen governance practices for a resilient banking sector. Limitations include data unavailability, reliance on unbalanced panel data, and a narrow focus on board characteristics.

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Vargas, Rodolfo S. "The Impact of e-Banking Practices on Five Selected Universal Banks." IARJSET 3, no. 3 (March 20, 2016): 157–65. http://dx.doi.org/10.17148/iarjset.2016.3334.

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Journal articles on the topic 'Universal banking'

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