Hasil untuk "Banking"

X. Freixas, J. Rochet

J. Bikker, K. Haaf

Yi-Shun Wang, Y. Wang, Hsin-Hui Lin et al.

Ya-Yueh Shih, K. Fang

P. Luarn, Hsin‐Hui Lin

Rafael Repullo

Ja-Chul Gu, Sang-Chul Lee, Yung-Ho Suh

Pejman Abedifar, P. Molyneux, Amine Tarazi

Ibrahim M. Al-Jabri, M. S. Sohail

S. Chava, Alexander Oettl, Ajay Subramanian et al.

Robert DeYoung, Gokhan Torna

K. Schaeck, M. Čihák

Machiko Kanetake

The decentralized international legal order arguably creates structural incentives for states to utilize INTERPOL—an entity of virtually universal membership—to reduce gaps in transnational police cooperation. One of INTERPOL’s iconic actions is the release of a Red Notice. It is the publication of decentralized requests by a member country or approved international entities such as the International Criminal Court (ICC),1 asking police worldwide to locate and, if applicable domestic law and treaties permit, provisionally arrest wanted persons or restrict their movement, pending extradition or surrender.2 Although INTERPOL does not have legal authority to oblige members to arrest persons in question, a Red Notice regularly leads to border stops or arrest pending extradition, travel or visa denials, and knock-on effects such as banking and employment difficulties. The fragmented international legal order may have paradoxically generated structural incentives to support a level of centrality represented by INTERPOL.

C. Calomiris, S. Haber

Why are banking systems unstable in so many countries--but not in others? The United States has had twelve systemic banking crises since 1840, while Canada has had none. The banking systems of Mexico and Brazil have not only been crisis prone but have provided miniscule amounts of credit to business enterprises and households. Analyzing the political and banking history of the United Kingdom, the United States, Canada, Mexico, and Brazil through several centuries, Fragile by Design demonstrates that chronic banking crises and scarce credit are not accidents due to unforeseen circumstances. Rather, these fluctuations result from the complex bargains made between politicians, bankers, bank shareholders, depositors, debtors, and taxpayers. The well-being of banking systems depends on the abilities of political institutions to balance and limit how coalitions of these various groups influence government regulations. Fragile by Design is a revealing exploration of the ways that politics inevitably intrudes into bank regulation. Charles Calomiris and Stephen Haber combine political history and economics to examine how coalitions of politicians, bankers, and other interest groups form, why some endure while others are undermined, and how they generate policies that determine who gets to be a banker, who has access to credit, and who pays for bank bailouts and rescues.

Ke Wang, Wei Huang, Jie Wu et al.

Omary Juma Ally, Yusuph Kulindwa, Lucas Mataba

The global rise of financial technology offers opportunities and challenges for banking businesses, including Tanzanian banks. This study examines the influence of a bank's FinTech index on the efficiency of 30 Tanzanian commercial banks categorized as large, medium, and small from 2010–2021. Using panel data and a two-step Generalized Method of Moments (GMM) estimator, the study finds that the FinTech index measuring banks' financial technology development significantly enhances efficiency across all banks, with the largest impact on large banks due to their high financial technology development. However, medium and small banks face challenges in financial technology development, resulting in a negative relationship between the FinTech index and the efficiency of banks. The study emphasizes the need for regulatory frameworks supporting financial technology integration in the core banking systems, especially for smaller and medium banks. It highlights the importance of collaboration and risk management to enhance bank efficiency and financial stability.

Wai-Yan Wong, Chwee-Ming Tee, Chee-Wooi Hooy

Due to the perceived threat of COVID-19 contagion, citizens worldwide were willing to accept extraordinary governmental interventions. This acceptance led to a concentration of power in the hands of the government through unlimited policy discretions. Against this backdrop, this study investigates whether there is a significant relationship between political connections and cumulative abnormal returns (CARs) during periods of global economic lockdown. Using a sample of 52 countries, this study employs event study methodology and cross-sectional regression in 2020. The results reveal that politically connected firms (PCONs) are positively and significantly associated with cumulative abnormal returns. However, the positive association between PCONs and CARs is attenuated in countries with strong institutions. Overall, the results suggest that investors assign higher valuations to PCONs because the latter is perceived as the biggest beneficiary from government policy discretion during COVID-19 economic lockdowns.

Mohammad Abdullah

From a shariah perspective, the rights and obligations of parties in exchange contracts are determined based on the different underlying contractual structures. Among the key shariah principles that provide conceptual premises for determination of yield-entitlement from an investment, include the principles of al-kharaj bil-dhaman and al-ghunm bil-ghurm. According to these two principles, in order to be entitled to a financial return or yield, the owner of an underlying asset, activity or capital must bear the related market as well as ownership risks. These two principles have a great bearing on how the shariah-compliant banking and financial activities are conducted. In the context of Islamic Financial Institutions (IFIs), the requirement of dhaman exposes IFIs to a new form of risk i.e., ownership risk. To this effect, IFIs in different capacities need to assume ownership-risk to justifiably claim a financial return from a financing activity. Notwithstanding this, in the customary practices of IFIs, there are noted discrepancies in the application of the dhaman principle. The objective of this paper is to examine the application of the dhaman principle in different contractual structures of IFIs, followed by highlighting the existing gaps between the theory and practice in applying this concept. The research adopts a qualitative research approach in order to examine the issue. The paper is based on a review of relevant literature and adopts a textual analysis method. The paper argues that if there is a discrepancy in application of dhaman principle, the shariah status of the resulting yield may be affected. Among the key implications of such a discrepant application of dhaman concept include allocation of yield to a non-deserving party; the party which practically shifts the underlying dhaman of the relevant contract rather than absorbing it. As a policy recommendation, the paper suggests strategies to re-align the practice of Islamic banking with its theories, particularly, with reference to directing the relevant risk to the one who claims the yield.

Elissa Dwi Lestari, Dini Gustianawati Sutarja, Helena Dewi

Purpose: The banking industry is one of the service industries that contributes to national income and serves as an intermediary institution to accommodate public funds and channel them back to productive economic activities. This study will look into the factors that influence customers' intentions to use digital banking and utilize it to their advantages and future advancements. This research uses TAM (technology acceptance model) as framework to explain the intention to adopt digital banking phenomenon. In addition to TAM components of perceived ease of use and perceived usefulness, this research also put perceived risk, trust, and inconvenience into the TAM framework. Design/methodology/approach: This study using quantitative descriptive research design with conclusive research. This study use non-probability sampling with judgmental technique to 140 respondents that meet the research sampling criteria. IBM SPSS version 24 is used for multiple regression data processing and analysis. Findings: The findings show that perception ease of using, perceived usefulness, and perceived risk have no effect on intention to use digit banking. Furthermore, the findings confirm the positive influence of trust and convenience on the intention of using digital banking. Research limitations/implications: The study used Google Forms, which limited respondents' time to answer, and respondents' opinions may be prejudiced. This study's sample size reduced respondents' general representation, and the results were limited to one country. Future academics may add others variables that affect digital banking adoption into the framework. The researchers also recommend bigger sample sizes with a more diverse demographic profile of respondents. Practical implications: Digital banks might emphasize trust and convenience to attract new consumers. Delivering on promises will build trust in services. Digital bank providers can also emphasize their technology's convenience, which allows clients to do financial transactions anywhere and anytime. Originality/value: This study will serve as a reference for digital bank providers in promoting the usage of digital bank services in order to accelerate Indonesian digital bank adoption, which is still lagging behind that of other Asian countries. Paper type: Research paper

Halid Hasan

Banking institutions are still interesting to study, as are the problems of their employees. If, in the past, organizational culture was an ideology that was difficult to change, now it is possible to change it due to various economic, social, and political upheavals. This study aims to examine the effect of organizational culture on organizational learning, employee engagement, and employee performance in the banking sphere of Indonesia, involving 215 cashiers, customer service staff, and security guards. Data were analyzed for direct and indirect effects using SEM PLS, with organizational culture as an independent and organizational learning, employee engagement, and employee performance as dependent variables. It was found that organizational culture indirectly affects employee performance through organizational learning and employee engagement, which produced the most significant effect. This serves as evidence that the administration of personnel in the banking sector must be carried out comprehensively, taking into account the needs of employees and adjusting to organizational needs and capabilities. This study can serve as a valuable point of reference for similar research by providing variations to respondents based on age, bearing in mind that the requirements of employees in the current generation are different from previous generations.