Tesis sobre el tema "Banking"
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Hedman, Emelie. "Internet banking : - what influences Internet banking adoption". Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-33038.
Texto completoHamstra, Roy. "Does Competition in Banking explains Systemic Banking Crises?" Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-277249.
Texto completoMosa, Felipe. "BES: banking". Master's thesis, NSBE - UNL, 2010. http://hdl.handle.net/10362/10276.
Texto completoKaushan, I. "Internet banking". Thesis, Видавництво СумДУ, 2004. http://essuir.sumdu.edu.ua/handle/123456789/22820.
Texto completoVakartschuk, V. "Mobile Banking". Thesis, Sumy State University, 2015. http://essuir.sumdu.edu.ua/handle/123456789/40457.
Texto completoPospíchal, Tomáš. "Social Banking". Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-76247.
Texto completoChachi, Abdelkader. "Islamic banking". Thesis, Bangor University, 1989. https://research.bangor.ac.uk/portal/en/theses/islamic-banking(31789e8c-aafc-402e-8c3e-3ef8d8e1a0fa).html.
Texto completoEconomopoulos, Andrew James. "Impact of free banking on the free banking market". Diss., Virginia Polytechnic Institute and State University, 1985. http://hdl.handle.net/10919/54288.
Texto completoPh. D.
Manginas, Athanassios G. "Modelling the banking firm : theory and evidence from European banking". Thesis, University of Reading, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.362224.
Texto completoKumati, Amal. "Commercial banking in Libya and the potential for Islamic banking". Thesis, Durham University, 2008. http://etheses.dur.ac.uk/1341/.
Texto completoCenterskog, Frida. "Implementing Principles for Responsible Banking in the Swedish banking sector". Thesis, Uppsala universitet, Institutionen för geovetenskaper, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-427012.
Texto completoMuscat, Michaela. "Banking on the divine : everyday Islamic banking practices in Malaysia". Thesis, London School of Economics and Political Science (University of London), 2015. http://etheses.lse.ac.uk/3180/.
Texto completoDavid-West, Olayinka. "An IDS assessment of electronic banking performance in retail banking". Thesis, University of Manchester, 2012. https://www.research.manchester.ac.uk/portal/en/theses/an-ids-assessment-of-electronic-banking-performance-in-retail-banking(b2fa0a96-16a1-4c85-98d1-8bb8952919c8).html.
Texto completoSowerbutts, Rhiannon Cathy. "Essays in Banking". Doctoral thesis, Universitat Pompeu Fabra, 2009. http://hdl.handle.net/10803/7405.
Texto completoThe theme of this thesis is Banking, concentrating on banking crises. The first chapter looks at banking crises which occur because of problems of asymmetric information about borrowers. The asymmetric information means that the loan securities that the bank sells can become illiquid and there are sudden drops in securities prices. The second chapter looks at a crisis resolution policy and shows how the actions of the Lender of Last Resort in a crisis can affect the incidence of future banking crises, in particular that a more generous Lender of Last Resort can lead less frequent crises as banks choose safer projects. The final paper returns to the theme of loan sales. We derive conditions for when the market is sustainable in the face of moral hazard by the bank which makes the loan. In an empirical section we show that there is a negative relationship between the fraction of a loan retained and the probability of default
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.
Texto completoLe 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
Pons, Maria Angeles. "Regulating Spanish banking". Thesis, University of Oxford, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.365582.
Texto completoDe, Pinho Paulo Jose Jubilado Soares. "Essays on banking". Thesis, City University London, 1994. http://openaccess.city.ac.uk/7541/.
Texto completoSelvaretnam, Geethanjali. "Essays on banking". Thesis, University of Essex, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.428969.
Texto completoLEÃO, SÉRGIO. "ESSAYS ON BANKING". PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2011. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=34623@1.
Texto completoCOORDENAÇÃO DE APERFEIÇOAMENTO DO PESSOAL DE ENSINO SUPERIOR
PROGRAMA DE EXCELENCIA ACADEMICA
Esta tese é uma coleção de três ensaios empíricos em economia bancária no Brasil. O capítulo 1 mostra evidências que cidades governadas por prefeitos da base aliada do governo federal recebem mais crédito de bancos públicos federais. Utilizando uma base de dados longitudinal única que cruza informações de crédito em nível municipal com resultados eleitorais no período 1997-2008, eu exploro variações no alinhamento político de cada município ao longo do tempo para estimar seu impacto no montante de crédito. Como resultado, observo que os bancos públicos federais aumentam seus empréstimos em 10 por cento a mais em cidades alinhadas. Em resposta, os bancos privados restringem sua expansão de crédito nessas localidades, embora o efeito líquido seja de um aumento no crédito agregado para cidades alinhadas, deixando a questão de uma provável má alocação de capital entre cidades. Eu também utilizo outra base de dados de crédito única e ainda mais abrangente, disponível somente a partir de 2004, e emprego a metodologia de regressão com descontinuidade em disputas eleitorais apertadas para avaliar possíveis problemas de identificação. Em contraste com a literatura, eu observo que os resultados não são conduzidos por empréstimos direcionados, mas por operações de crédito livre. O capítulo 2 analisa firmas que contribuem para campanhas eleitorais de modo a testar a hipótese de favorecimento de crédito como retribuição a contribuição de campanha. Combinando dados de contribuição de campanha e informações de crédito ao nível da firma, eu exploro variações em uma mesma firma ao longo do tempo para testar se aquelas que contribuem para partidos da base aliada do governo federal recebem mais crédito de bancos públicos federais. Os resultados indicam que contribuintes de campanha de partidos da base aliada têm maior proporção de seu crédito oriundo de bancos públicos federais e tomam de uma maneira geral 20 por cento a mais de crédito que firmas que contribuem para outros partidos. No capítulo 3, eu aproveito da introdução de uma nova forma de seguro depósito voluntário, conhecido por DPGE (Depósito a Prazo com Garantias Especiais), para avaliar questões relevantes relativas a corrida bancária, liquidez de mercado (market liquidity) e liquidez na captação (funding liquidity). Primeiramente, documento uma corrida de depositantes a bancos pequenos e médios no Brasil após o agravamento da crise financeira global de 2008. A seguir, observo que esta corrida bancária foi impulsionada primordialmente por investidores institucionais. Em seguida, demonstro que, em resposta ao enfraquecimento da posição no seu passivo, os bancos reduziram seu ativo liquidando suas posições de crédito. Em quarto lugar, encontro evidências de que a introdução do DPGE ajudou a estabilizar as captações bancárias. Com este novo instrumento, os certificados de depósito (CD) passaram a ser segurados em até 20 milhões de reais, enquanto os demais eram segurados em até 60 mil reais. Por fim, demonstro que bancos com menor liquidez nos ativos foram aqueles que escolheram emitir DPGE, apesar de seu elevado custo (emissores devem pagar prêmio mensal de mais de seis vezes o valor cobrado em depósitos segurados convencionais). Portanto, restaurar a liquidez pelo lado do passivo (funding liquidity) foi mais importante a bancos mais afetados pela liquidez de mercado (market liquidity), ou seja, para aqueles com menos ativos líquidos. Uma investigação dos determinantes da emissão de DPGE mostra que: 1) bancos mais dependentes de cessão de carteira de crédito antes da crise estão mais propensos a emitir no novo esquema de depósito segurado; e 2) bancos com proporção mais elevada de crédito em relação ao ativo estão mais propensos a emitir sob o novo esquema, embora os resultados sejam menos precisos. Tais resultados são importantes por diversas razões. Primeiramente, estão entre os primeiros resultados empíricos a documentar a relação entre liquidez de mercado (ma
This thesis is a collection of three empirical essays on banking using Brazilian data. Chapter 1 provides evidence that cities ruled by a mayor from the presidential coalition s party receive significantly more credit from public federally owned banks. Using a unique longitudinal database that matches branch-level credit information with election outcomes over the period 1997-2008, I explore the within-municipality variation in political alignment to estimate the impact of alignment on the amount of credit. I find that public federal banks increase their lending 10 per cent more in aligned cities. In response, private banks contract credit, but the net effect is an increase in aggregate credit to aligned cities, raising the issue of a misallocation of capital across cities. I also use another unique and more comprehensive credit database, available only since 2004, and apply a regression discontinuity design in close electoral races to address possible identification concerns. In contrast with the received literature, I find that the results are not driven by earmarked lending, but by non-earmarked operations. Chapter 2 focuses the analysis on firms that donate to electoral campaigns in order to test for the hypothesis of favored lending as a reward mechanism for campaign giving. I combine data from firm level campaign contributions with credit information and explore within-firm variation in order to test whether donating to aligned parties results in a better access to credit from public federal banks. Results indicate that campaign contributors to aligned parties have a higher lending share from public federal banks and borrow 20 per cent more than firms that donate to nonaligned parties. In Chapter 3 I take advantage of the introduction of a voluntary deposit insurance program to address several important questions concerning bank runs, market liquidity and funding liquidity. I first document a depositors run on small and medium banks in Brazil after the worsening of the global financial crisis. Second, I find that the bank run was led mainly by institutional investors. Third, I show that, in response to the weakening position on the liability side, banks responded by liquidating their credit position on the asset side of the balance sheet. Fourth, I find evidence that the introduction of a new voluntary insurance instrument called DPGE (Time Deposits with Special Insurance) seemed to have helped stabilize banks positions. Under DPGE, Certificates of Deposit (CD) are insured up to 20 million reais, while standard non-DPGE other time deposits are secured up to 60 thousand reais. Fifth, I show that banks whose assets were more illiquid selected themselves into expensive DPGE (issuers have to pay monthly premium of more than six times the value charged on conventionally insured deposits). Thus, providing funding liquidity was more important for banks that were more affected by market liquidity (having less liquid assets). An investigation of the determinants of issuing DPGE shows that: 1) banks that relied more on credit assignments before the crisis are more likely to issue under the new insurance scheme; 2) banks with higher credit-to-assets ratios are also more likely to issue under the new scheme, although the results on credit-to-assets are a little less precise. These results are important for several reasons. First, they are the first empirical results to document the relationship between market and funding liquidity. In particular, self-selecting into DPGE allows us to see that banks with more illiquid assets need more funding liquidity in the midst of a crisis. Second, the fact of the voluntary nature of the program is interesting per se. By providing voluntary, albeit expensive, insurance, banks may self-select only when they have little option (because of asset-side market illiquidity). Although I do not perform a full welfare analysis, this suggests that mandatory insurance may be sub-optimal for two reasons. First, banks that do not need it may be paying excessive premiums. Second, mandatory insurance may
SOUSA, MARCELO NUNO CARNEIRO DE. "ESSAYS ON BANKING". PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2011. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=34649@1.
Texto completoPROGRAMA DE SUPORTE À PÓS-GRADUAÇÃO DE INSTS. DE ENSINO
Em 2003, o Congresso Nacional aprovou uma lei regulamentando o crédito consignado, o que causou um grande impacto no crédito a pessoas físicas. No capítulo 1, forneço evidências que o crédito consignado teve um efeito pequeno, mas não desprezível, nas escolhas ocupacionais. Em particular, eu encontro evidências que o crédito consignado está associado positivamente com escolhas ocupacionais com características de empreendedorismo. Esse efeito é mais forte em indivíduos que estão numa faixa etária onde dificilmente será um aposentado e residem em famílias com aposentados e pensionistas, o que sugere a existência de mecanismos de transferência intra-familiares. No Capítulo 2, eu apresento evidências de que o crédito consignado tem um efeito pequeno, mas não desprezível, nos indicadores de saúde dos idosos. Em particular, o crédito consignado está: 1) negativamente associado com as taxas de mortalidade nas faixas etárias de 60 a 69 anos e 70 a 79 anos. 2) negativamente associado com indices de dificuldades físicas. Esse efeito é maior em famílias com menor renda. 3) positivamente associado com um número de consultas médicas por ano. Usando uma abordagem diff-diff, encontro evidência de que um possível mecanismo é um aumento de gastos com saúde nas famílias com maior proporção de ganhos oriundos de aposentadorias nas suas rendas.
In 2003, the Brazilian Congress passed a law regulating payroll lending, which had a large impact on consumer lending (Coelho et al [2011]). In Chapter 1, I present evidence that that payroll lending had a small but non-negligible impact on occupational choice. In particular I find that payroll lending is positively associated with more entrepreneurial-like occupations. The effect is stronger for individuals in age ranges unlikely to have retirees in families with retirees or pensioners, suggesting that intra-family transfer mechanisms are operative. In Chapter 2, I present evidence that that payroll lending had a small but non-negligible impact on health outcome for elderly citizens. In particular, we find that Payroll Lending: 1) is negatively associated with death rates on age ranges of 60-69 and 70-79 years old; 2) is associated with less physical disabilities. The effect is stronger for individuals in families with lower incomes; 3) is associated with more medical consultations per year. Using a diff-diff approach, I also find evidence that one possible mechanism is more health care spending in families with more proportion of retirement benefits in their income.
Erel, Isil. "Essays on banking". Thesis, Massachusetts Institute of Technology, 2005. http://hdl.handle.net/1721.1/34145.
Texto completoIncludes bibliographical references.
This thesis consists of two chapters that investigate two important issues in banking of the past decade: the effect of banking consolidation on the borrowers and the regulatory capital requirements for banks. The first chapter analyzes the effect of bank mergers on loan prices, and the welfare implications for borrowers. In particular I test the hypothesis that mergers create efficiency gains which are, in fact, passed on to borrowers through a reduction in interest rates. The alternative hypothesis is that mergers lead to greater market concentration and in turn an increase in the cost of capital for borrowers. Using a proprietary loan-level data set for U.S. commercial banks, I find that acquiring banks, on average, reduce the spreads on their new commercial and industrial loans after a merger. The reduction in loan spreads is both larger and also more persistent for the smaller acquirers, with total gross assets less than $10 billion. These findings seem to be driven by cost efficiencies due to mergers, since the results are stronger for the sample of acquirers with larger than median declines in their operating costs after their mergers. Moreover, the reduction in spreads is much larger if the acquirer and the target have some geographical overlap of markets before the merger, and, consequently, more potential for cost savings.
(cont.) However, if the market overlap is so extensive as to significantly increase market concentration, market power effects dominate and loan spreads, on average increase. The findings are robust to using variation in dates of intrastate banking deregulation as an exogenous instrument for the timing of the in-market mergers. Contrary to what might be expected, bigger acquirers do not impose less favorable pricing terms for small businesses seeking to borrow. Indeed, the reduction in spreads is significant for small loans, showing that small borrowers typically pay lower interest rates to banks that have expanded during the previous few years through mergers. The second chapter models the incentives of banks to undertake "Regulatory Capital Arbitrage" (RCA), under the current capital adequacy rules. RCA is a substitution of high-risk assets for low-risk assets with no requirement to increase their risk-based regulatory capital. I show that in equilibrium banks making risky investments pool with the banks investing safely so that they can be subject to a lower amount of regulatory capital because the risk exposures of banks cannot be precisely measured. The chapter examines whether the proposed "Basel II" regulatory system would be more or less efficient and effective than the current system.
(cont.) Under the Basel II rules, banks will have an option to use their own internal risk assessment systems in determining their regulatory capital as long as they satisfy infrastructure requirements of the supervisors. I show that this Internal Ratings-based (IRB) Approach of Basel II can be interpreted as a way of forcing a separating equilibrium, in which good banks that do not pursue unduly risky strategies identify themselves to the regulators and are rewarded with a lower capital requirement. Such a separating equilibrium can only be sustained under an effective supervision system or by giving some incentives to the excessively risk-taking banks to stay in the current system rather than opting into the new IRB approach.
by Isil Erel.
Ph.D.
Rajan, Raghuram. "Essays on banking". Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/13883.
Texto completoIncludes bibliographical references.
by Raghuram Govind Rajan.
Introduction and overview--Insiders and outsiders, the choice between relationship and armslength debt--Conflict of interest and the separation of commercial and investment banking.
Ph.D.
Coulter, Brian R. L. "Essays on banking". Thesis, University of Oxford, 2013. http://ora.ox.ac.uk/objects/uuid:0466afbe-4cc2-4a47-bc69-6f08ced67233.
Texto completoKarlsson, Malin. "Internet Banking Apps". Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-32928.
Texto completoSedunov, John III. "Essays in Banking". The Ohio State University, 2012. http://rave.ohiolink.edu/etdc/view?acc_num=osu1337916222.
Texto completoChadima, Antonín. "Core banking systémy". Master's thesis, Vysoká škola ekonomická v Praze, 2017. http://www.nusl.cz/ntk/nusl-358802.
Texto completoGirotti, Mattia. "Essays on Banking". Thesis, Toulouse 1, 2015. http://www.theses.fr/2015TOU10058/document.
Texto completoThis thesis focuses on the economics of banking and is composed of three chapters. The first chapter explores the effects of monetary policy changes on U.S. banks' liability structures and funding costs. Banks obtain most of their funding from a combination of demand deposits -- i.e. zero-interest deposits -- and interest-bearing deposits. Using local demographic variations as instruments for banks’ liability structures, I measure the impact of monetary policy changes on each bank’s interest-bearing deposit rate as a function of the bank’s initial liability structure. I find that when monetary policy tightens each bank faces an outflow of demand deposits. It responds by issuing more interest-bearing deposits, but pays on them an interest rate that increases with the quantity of demand deposits being substituted. This finding supports the existence of the bank lending channel of monetary policy transmission. I also provide evidence that larger banks can substitute funding sources more cheaply than smaller banks, and that demand deposits are less sensitive to monetary policy changes when the local banking market is more concentrated. The second and third chapters focus on mutual banks, which primarily differ from stock banks on the ground of ownership. Mutual banks are owned by their customers, while stock banks by investors. In the second chapter, Richard Meade and I provide an assessment of the effect on depositor welfare of the events of “demutualization”. In recent decades, many U.S. savings banks have demutualized, by converting from customer ownership to investor ownership. We first estimate a random coefficients logit model of bank deposit account choice, using data on commercial and savings banks from 1994 to 2005. Having recovered depositors' preferences for bank attributes, we then measure the effect on depositor welfare of a simulated demutualization of all customer-owned savings banks. We find that, on average, depositors' welfare would increase. In particular, if demutualized savings banks offered a deposit rate in line with other investor-owned savings banks, each depositor would gain $1.14 annually, for a total of $22 million for each state and year. Our findings cast doubt on whether U.S. customer-owned savings banks are well serving their customers' interests, and offers a new explanation for observed U.S. savings bank demutualizations. In the third chapter, Thierry Magnac, Karine Van der Straeten, and I first present evidence that U.S. mutual banks are less risky, lend at lower rates, and have stronger ties to their local communities. We then propose a model of competition between mutual and stock banks building on Martinez-Miera and Repullo (RFS, 2010). We assume that the difference between the two bank types is that mutual banks, given their stronger local reach, impose a greater non-monetary “social cost” on the loan-takers who fail. We simulate the model and assess the effect of competition on the probability of bank failure in the two bank types. Our results indicate that, in accordance with the empirical evidence presented, mutual banks charge a lower loan rate and have a lower probability of failure, at any level of competition. Moreover, similarly to what happens to stock banks, their probability of failure is U-shaped in the level of competition
Lim, Ivan Wen Yan. "Essays on banking". Thesis, University of Edinburgh, 2018. http://hdl.handle.net/1842/31107.
Texto completoSUNTHEIM, FELIX. "Essays in banking". Doctoral thesis, Università Bocconi, 2012. https://hdl.handle.net/11565/4054222.
Texto completoTaylor, Martin. "Banking on promotion : employment and identity in Scottish banking, 1850-1939". Thesis, University of Edinburgh, 2001. http://hdl.handle.net/1842/23220.
Texto completoHavrylchyk, Olena. "Banking efficiency, consolidation and foreign ownerhip: evidence from the Polish banking market". kostenfrei, 2005. http://deposit.d-nb.de/cgi-bin/dokserv?idn=974255300.
Texto completoKwaa-Aidoo, Ephrem Kwaku. "Culturally aligned security in banking : a system for rural banking in Ghana". Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
Texto completoLau, Ka-ping y 劉家平. "International banking and international banking centres: a case study on Hong Kong". Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1985. http://hub.hku.hk/bib/B31263252.
Texto completoMasood, Omar. "Non-performing bank loans and banking crisis in the Pakistani banking system". Thesis, London Metropolitan University, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.426494.
Texto completoDamiano, André Luis. "As fraudes no Internet Banking e sua evolução para o Social Banking". Universidade de São Paulo, 2013. http://www.teses.usp.br/teses/disponiveis/18/18157/tde-12092013-094137/.
Texto completoInformation technology and communication is an important factor in the future development of the financial services industry, with particular attention to the banking sector. Most banks use the Internet as a strategic distribution channel where its services and products have a very close relationship with the broader concept of marketing, one that fully describes an environment and a niche business and where the development and evolution of this channel is directly associated with the evolution of the marketing itself. The central theme of this work is to present a literature review on the Internet Banking channel analyzing key issues and challenges related to electronic fraud and threats, and describes the impact of social media is causing in corporations. Additionally to the threats on the Internet Banking, this work brings an analyze of how the banking products and services are closely followed by the marketing evolution and how at this moment of transition from a economic perspective to another, these two business models are co-related to a specific aspect: The future and trends of the electronic fraud on the Internet Banking towards the evolution to the Social Banking. It also analyzes which paths will also open within the new paradigm of economics and social marketing for this type of occurrence. To effectively mitigate the risk of fraud, it is important to implement a comprehensive decision-making prevention program that extends beyond a sophisticated set of internal controls at all levels and divisions of an organization. Finally, the conclusion and future prospects of the development of Internet Banking for Social Banking with an analysis of the evolution of electronic fraud and threats in this new channel.
Kugai, Kseniia y Maria Soroka. "Banking operations financial monitoring as a guarantee for Ukrainian banking system stability". Thesis, Білоцерківський національний аграрний університет, 2020. https://er.knutd.edu.ua/handle/123456789/16509.
Texto completoУ статті розглянуто поняття банківської системи та фінансового моніторингу банківських операцій. Проаналізовано необхідність функціонування досконалої системи фінансового моніторингу та його вплив на стабільність банківської системи.
Moin, Muhammad Shehzad. "Performance of Islamic Banking and Conventional banking in Pakistan : a Comparative Study". Thesis, Skövde : University of Skövde. School of Technology and Society, 2008. http://www.diva-portal.org/smash/get/diva2:113713/FULLTEXT01.
Texto completoKwaa-Aidoo, Ephrem K. "Culturally aligned security in banking. A system for rural banking in Ghana". Thesis, University of Bradford, 2010. http://hdl.handle.net/10454/4433.
Texto completoKaradöl, Ismail. "Islamic banking : Aternatives Bankensystem /". München : GRIN Verlag, 2008. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=016973872&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.
Texto completoKenova, Vasya y Patrik Jonasson. "Quality Online Banking Services". Thesis, Jönköping University, JIBS, EMM (Entrepreneurship, Marketing, Management), 2006. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-480.
Texto completoUsing an already developed model for measuring the quality of online services, the authors of this thesis have developed and later on modified a theoretical model (instrument) for measuring the quality of online banking services in particular. Using quantitative research method including the design and distribution of a questionnaire, empirical data was collected on which statistical analysis has been performed. As a result of the conducted analysis, the initial theoretical model has been modified, so that the final version of the model (instrument) for measuring quality of online banking services includes four quality dimensions (Service Performance, Website Characteristics, Communication and Efficiency) with total of 17 items (questions). Furthermore, based on the modified theoretical model, customer satisfaction with different aspects of the online banking services has been evaluated. Based on the results of the Analysis of the Empirical Data, managerial recommendations are given. Suggestions for further research on quality of online banking services are also offered.
Akbel, Basak. "Banking and Multinational Finance". Diss., lmu, 2009. http://nbn-resolving.de/urn:nbn:de:bvb:19-97010.
Texto completoVuniq, Valentina, Maida Kadic y Medeleine Bengtsson. "Customer Satisfaction Online Banking". Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, EMM (Entreprenörskap, Marknadsföring, Management), 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-15499.
Texto completoAhmad, Abu Umar Faruq, University of Western Sydney, College of Law and Business y School of Law. "Islamic banking in Bangladesh". THESIS_CB_LAW_Ahmad_A.xml, 2002. http://handle.uws.edu.au:8081/1959.7/247.
Texto completoMaster of Laws (Hons)
Ahmad, Abu Umar Faruq. "Islamic banking in Bangladesh /". View thesis, 2002. http://library.uws.edu.au/adt-NUWS/public/adt-NUWS20030723.130611/index.html.
Texto completo"A thesis submitted in fulfillment of the requirement for the degree of Master of Laws (Honours)" Bibliography : leaves 215-221.
Fu, Peter C. M. "Multinational banking in China". Thesis, University of Reading, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.435650.
Texto completoWestrup, Lydia. "Responsible banking : an oxymoron?" Thesis, University of Manchester, 2018. https://www.research.manchester.ac.uk/portal/en/theses/responsible-banking-a-an-oxymoron(c5ac2e95-6393-4446-b41a-7f376d95101e).html.
Texto completoJackson, Timothy. "Banking and the state". Thesis, Cardiff University, 2018. http://orca.cf.ac.uk/118618/.
Texto completoBasu, Karna. "Essays on informal banking". Thesis, Massachusetts Institute of Technology, 2006. http://hdl.handle.net/1721.1/37415.
Texto completo"September 2006."
Includes bibliographical references.
This thesis is a collection of three theoretical essays that examine the role of time-inconsistent preferences in informal banking. The first two chapters focus on specific banking institutions, while the third studies individual welfare more generally. In Chapter 1, I develop a model of rotating savings and credit associations (roscas) where members are quasi-hyperbolic discounters. I show that, in this setting, roscas function as commitment savings devices, and can survive in equilibrium even in the absence of formal contracting or informal social sanctions. In Chapter 2, I study the behavior of quasi-hyperbolic discounters who have access to credit and a non-secure savings technology. I show that these agents might simultaneously save and borrow to create optimal investment incentives for future selves. Chapter 3 evaluates and compares the welfare outcomes for time-inconsistent agents under several banking environments.
by Karna Basu.
Ph.D.
Maziero, Marcelo 1967. "Franchising in commercial banking". Thesis, Massachusetts Institute of Technology, 2000. http://hdl.handle.net/1721.1/9183.
Texto completoTitle as it appears in MIT commencement exercises program, June 2000: Franchising of branches in commercial banking
In the increasingly competitive environment faced by commercial banks at the retail segment of the market, one of the greatest challenges is to build and maintain an efficient and effective distribution channel, offering a superior quality of services to the customers, with low operational costs and minimum initial investment. Although apparently paradoxical, all these factors are crucial for a bank in getting and sustaining competitive advantage on such a highly competitive market. The focal point of this thesis is the proposition of the franchise system for the network of branches at commercial banks, as a way to dramatically reduce the constraints faced when trying to improve the distribution channel and, as an ultimate consequence, becoming more competitive. I firstly set the backdrop for the thesis in analyzing the importance of the distribution channel on the competitiveness of a commercial bank operating on the retail segment. The conclusion of this analysis is that the traditional model of growth using owned branches and ATM's has two main drawbacks. The first is the lack of flexibility in fitting the channels to the demand. The second is that it does not address the main constraints of growth: free capital to invest in growth and human resources with the desirable profile. With the backdrop set, I propose a set of alternative models of growth that are intended to increase flexibility (and eventually efficiency) of the distribution channels, and mainly to reduce the influence of the constraints on the growth and efficiency. Among these alternative model it is the franchise system. Most of the thesis is devoted to the description of the franchise model for commercial banks, with the relevant operational aspects of the interfaces between the bank and the franchisees, as well as the importance of the design of the incentives in order to fully achieve the potential benefits of the system. Complementing the description of the potential benefits and the risks in adopting the new system, I establish a set of actions to reduce those risks as well as the basic requirements a bank must meet before initiating the process of implementing the franchise system.
by Marcelo Maziero.
S.M.
Malcata, Pedro. "Banco BPI: banking sector". Master's thesis, NSBE - UNL, 2010. http://hdl.handle.net/10362/10349.
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