Hasil untuk "Banking"

A. Shaikh, Heikki Karjaluoto

Andrea Gerali, S. Neri, L. Sessa et al.

Fabián Valencia, L. Laeven

This paper presents a new database on the timing of systemic banking crises and policy responses to resolve them. The database covers the universe of systemic banking crises for the period 1970-2007, with detailed data on crisis containment and resolution policies for 42 crisis episodes, and also includes data on the timing of currency crises and sovereign debt crises. The database extends and builds on the Caprio, Klingebiel, Laeven, and Noguera (2005) banking crisis database, and is the most complete and detailed database on banking crises to date.

Thomas F. Hellmann, Kevin C. Murdock, Joseph E. Stiglitz

Francisco Muñoz-Leiva, S. Climent-Climent, F. Liébana-Cabanillas

Abstract For financial institutions mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study develops a technology acceptance model that integrates the innovation diffusion theory, perceived risk and trust in the classic TAM model in order to shed light on what factors determine user acceptance of mobile banking applications. The participants had to examine a mobile application of the largest European bank. In the proposed model, an approach to external influences was included, theoretically and originally stated by Davis et al. (1989) . The proposed model was empirically tested using data collected from an online survey applying structural equation modeling (SEM). The results obtained in this study demonstrate how attitude determine mainly the intended use of mobile apps, discarding usefulness and risk as factors that directly improve its use. Finally, the study shows the main management implications and identifies certain strategies to reinforce this new business in the context of new technological advances.

Angus W. H. Yip, Angus W. H. Yip, N. Bocken et al.

Sustainable business model innovation is increasingly viewed as a lever for systems change for sustainability across businesses and industries. Banks hold a unique intermediary role in sustainable development, but also have a difficult position after the 2008 financial crisis. This paper aims to explore business models for sustainability in the service industry, particularly banking. It explores the receptiveness of customers towards sustainable business models pursued by banks. The retail banking industry in Hong Kong is the focus of this work. First, a practice review and semi-structured interviews are used to develop and validate a set of sustainable business model archetypes for the banking industry. Second, surveys are conducted to test customer receptiveness for the archetypes. Eight sustainable business model archetypes for banking are developed and validated. “Substitute with digital processes” “adopt a stewardship role” and “encourage sufficiency” are most welcomed by customers. Some archetypes seem at direct odds with current business practice, such as “encourage sufficiency”. This study gives an insight to how to “do good and do well” in the banking industry. Further research on the attributes of these archetypes can be conducted to gain a deeper understanding why customers prefer banks to use these archetypes.

M. Hassan, S. Aliyu

Sindhu Singh, R. Srivastava

Jian Huang, J. Chai, Stella Cho

Deep learning has been widely applied in computer vision, natural language processing, and audio-visual recognition. The overwhelming success of deep learning as a data processing technique has sparked the interest of the research community. Given the proliferation of Fintech in recent years, the use of deep learning in finance and banking services has become prevalent. However, a detailed survey of the applications of deep learning in finance and banking is lacking in the existing literature. This study surveys and analyzes the literature on the application of deep learning models in the key finance and banking domains to provide a systematic evaluation of the model preprocessing, input data, and model evaluation. Finally, we discuss three aspects that could affect the outcomes of financial deep learning models. This study provides academics and practitioners with insight and direction on the state-of-the-art of the application of deep learning models in finance and banking.

I Nyoman Nugraha Ardana Putra, Busaini, Dwi Putra Buana Sakti

This study investigates the health levels of Core Capital 4 banks during the COVID-19 pandemic by employing methods that focus on credit risk and profitability. Designed as a comparative analysis, the research examines differences in the financial health of these banks prior to and throughout the pandemic. The study population consists of 46 banks listed on the Indonesia Stock Exchange, with a purposive sampling technique applied to select four banks that meet specific criteria relevant to the study’s objectives. The analysis relies on secondary data, specifically annual financial statements published by each of the selected banks. The collected data were processed using descriptive statistical methods to provide an overview of the key financial indicators. Furthermore, the Analysis of Variance (ANOVA) test was employed to examine credit and capital risk indicators, revealing significant differences in the health levels of core capital 4 banks when comparing the pre-pandemic and pandemic periods. Previous studies have examined bank health in the context of mergers, Islamic banking, or comparisons with conventional banks, but few have focused on core capital 4 banks as Indonesia’s largest group. Limited research has highlighted how these large-capital banks were specifically affected by the COVID-19 pandemic. This study addresses that gap by comparing their credit risk and profitability before and during the crisis.

X. Vives

This review surveys technological disruption in banking, examining its impact on competition and its potential to increase efficiency and customer welfare. It analyzes the possible strategies of the players involved—incumbents and FinTech and BigTech firms—and the role of regulation. The industry is facing radical transformation and restructuring, as well as a move toward a customer-centric platform-based model. Competition will increase as new players enter the industry, but the long-term impact is more open. Regulation will decisively influence to what extent BigTech will enter the industry and who the dominant players will be. The challenge for regulators will be to keep a level playing field that strikes the right balance between fostering innovation and preserving financial stability. Consumer protection concerns rise to the forefront.

N. Soewarno, B. Tjahjadi

PurposeThis study aims to investigate the intellectual capital–financial performance relationship using two models, namely the conventional Value-Added Intellectual Coefficient (VAIC) model and the adjusted Value-Added Intellectual Coefficient (A-VAIC) model.Design/methodology/approachThis study is designed as a quantitative research focusing on the relationship between intellectual capital and financial performance of the banking industry in Indonesia. As many as 114 data are derived from the publicly listed banks on the Indonesia Stock Exchange for the period of 2012–2017. The multiple regression analysis is employed to test the hypotheses studied.FindingsIn general, the result confirms that intellectual capital affects financial performance. Although not all hypotheses of the study are supported by either the VAIC model or the A-VAIC model, the results provide a deeper and new insight on how each component of intellectual capital efficiency (human capital, structural capital, capital employed, innovation capital) relates to financial performance (return on asset, return on equity, asset turnover, price to book ratio). The results also justify that further improvements in measuring intellectual capital are still needed in the future.Research limitations/implicationsThis study limits its generalization since the sample is only in the Indonesian banking industry. Notwithstanding the limitation, the results imply that the Indonesian banking managers need to be aware of intellectual capital management because of its strategic role in enhancing financial performance.Practical implicationsThis study contributes to the intellectual capital literature by providing empirical evidence on the use of both models, namely the conventional VAIC and the A-VAIC in the Indonesian banking industry research setting which is never been studied before.Social implicationsThis study has the social implication to the enhancement of the quality life of the society. The higher the quality of intellectual capital in the banking firms, the better the banks serve the needs of the community.Originality/valueThis study contributes to the IC literature by providing empirical research on the use of the VAIC model and the A-VAIC model in the Indonesian banking industry.

S. Raza, Nida Shah, Muhammad Ali

PurposeThe purpose of this study is to examine the factors which affect mobile banking (M-banking) acceptance in Islamic banks of Pakistan by using the modified unified theory of acceptance and use of technology (UTAUT) model. The performance expectancy, facilitating conditions, social influence, effort expectancy, perceived value, habit and hedonic motivation are taken as independent variables. Similarly, the intention to adopt M-banking is taken as the mediator, and actual usage is used as the dependent variable.Design/methodology/approachThe data are collected by using the survey method, and the five-point Likert scale is used for this purpose. The statistical techniques applied to the dataset were confirmatory factor analysis and partial least square structure equation modeling.FindingsThe empirical evidence shows that all the variables except for social influence have a significant positive effect on the intention which results in actual usage.Practical implicationsThis study will help the Islamic banks in boosting the M-banking growth and decision-makers in crafting those strategies that increase the M-banking acceptance.Originality/valueThis paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors which affect M-banking acceptance in Islamic banks of Pakistan by using the modified UTAUT model.

Amit Shankar, Bikramjit Rishi

The purpose of this study is to explore how different dimensions of online convenience impact mobile banking (m-banking) adoption intention. The findings from 432 banking users show that access convenience, transaction convenience, and possession/post-possession convenience predict m-banking adoption intention, with the chief driver being the possession/post-possession convenience. Further, results suggest that the intention to adopt m-banking leads to m-banking adoption and usage. These findings offer unique insights to banks about how to make m-banking platforms more convenient for enhancing the pace of m-banking adoption intention and usage. This study also makes several contributions to the mobile commerce and online convenience literature.

Sindhu Singh, Rakesh Kumar Srivastava

Elisa Aracil, Juan J. Nájera-Sánchez, Francisco Javier Forcadell

Abstract The literature on sustainable banking has been prolific since the beginning of the century. This context prompts the need to understand and categorize an increasingly heterogeneous body of sustainable banking literature. We perform a literature review using bibliometric techniques of 676 articles published between 1995 and 2019 in the Web of Science (WoS) database. Our results provide a perspective on the evolution of the sustainable banking literature over time and across academic categories and journals. An integrative framework emerges from the review, providing a comprehensive perspective of the nine clusters or thematic areas in sustainable banking literature embedded in three domains: Ethical Foundations, Sustainable Products, and Business-Case. The framework integrates the rich literature on sustainable banking, maps the predominant research areas, and highlights the primary research gaps. Finally, the literature review demonstrates a progressive convergence of the instrumental and ethical approaches to sustainable banking. This convergence highlights the importance of both the vivid societal debate around the role of banks in the advancement toward sustainability and the business rationale for banks to engage in sustainable strategies.

Shaoming Han, Cheng Qian, Nawal Abdalla Adam et al.

This study examines the impact of financial inclusion on bank stability across 36 emerging economies, utilizing bank-level data from over 1,500 commercial banks spanning the period 2004 to 2023. Despite the recognized benefits of financial inclusion, its influence on banking stability remains complex and context dependent. The research employs advanced econometric methodologies, including fixed-effects models, Driscoll-Kraay standard errors to address heteroskedasticity and cross-sectional dependence, and system Generalized Method of Moments (GMM) estimation to control for endogeneity and dynamic effects. The findings reveal that financial inclusion generally enhances bank stability and positively influences operational efficiency and funding stability. However, during periods of lax financial regulations or excessive government intervention, banks may engage in riskier behaviors, potentially undermining stability. Key results indicate that (1) robust economic growth and stable policy environments amplify the positive effects of financial inclusion on bank stability, (2) excessive government control may foster risk-taking behaviors, (3) strong financial conditions mitigate adverse impacts, (4) financial inclusion improves risk management and operational efficiency, and (5) effective regulatory frameworks are pivotal in leveraging financial inclusion for sound banking operations. These insights suggest that policymakers in emerging markets should carefully balance the promotion of financial inclusion with safeguards that maintain financial stability.

О. P. Hetmanets, D. V. Korobtsova

The essence of a financial offense in the conditions of war in Ukraine has been studied, the content of which, according to doctrinal approaches, is associated with violation of financial legislation. The features of a financial offense have been identified, the consideration of which determines the financial security of the country. The place of the financial and legal liability relations in the system of financial and legal relations has been analyzed, and it has been determined that financial offenses differ in specific features which are related to various spheres of financial legal relations, i.e. budgetary, tax, banking and others. The general and specific signs and properties of a financial offense have been identified, and the differences between a financial offense and a military financial offense have been substantiated. It has been established that the general signs of an offense, such as illegality, damage, guilt, action (inaction), and punishability, acquire economic and legal meaning in financial relations during martial law, as they characterize the activities of authorized competent officials in the formation, distribution, and use of public financial resources allocated by the state for protection and defense. The following special signs of a financial offense in wartime have been defined: the object of financial legal relations is public finances at the disposal of the military; the subject of financial legal relations is participants in financial activities, military personnel; the existence of a distinct type of legal liability – financial and legal. It has been proven that national security and defense depend on the state's ability to counter financial offenses, as it relies on the use of public financial resources, their lawful formation, distribution and use, which requires the recognition of a financial offense in wartime as a military offense and the ability to prevent it from being committed. The author’s definition of the concept of “military financial offense” is formulated as a violation of financial legislation regarding the formation, distribution and use of public financial resources aimed at organizing military service and performing military duty.

Matt Brigida, Kathleen Maceyka

In this analysis we determine factors driving the cross-sectional variation in uninsured deposits during the interest rate raising cycle of 2022 to 2023. The goal of our analysis is to determine whether banks proactively managed deposit run risk prior to the hiking cycle which produced the 2023 Regional Banking Crisis. We find evidence that interest rate forward, futures, and swap use affected the change in a bank uninsured deposits over the period. Interest rate option use, however, has no effect on the change in uninsured deposits. Similarly, bank equity levels were uncorrelated with uninsured deposit changes. We conclude we find no evidence of banks managing run risk via their balance sheet prior to the 2023 Regional Banking Crisis.

Okechukwu Christopher Onuegbu, Bettina Oboakore Agbamu, Belinda Uju Anyakoha et al.

Digital banking is among the technological innovations currently reverberating the cyber wave. this study seeks to assess communication, awareness and acceptance of it among the residents of south-east and south-south, nigeria. the survey objectives were to ascertain awareness level of the south-east and south-south residents towards digital banking during the cash crunch, determine the acceptance level of digital banking among the south-east and south-south residents, find out the role of communication in awareness and acceptance of digital banking during the cash crunch in south-east and south-south nigeria, and assess the usage of digital banking amidst cash crunch in south-east and south nigeria. the study methodology is a sample survey which allowed researchers to administer questionnaires on 385 respondents out of the 50,166,807 study population. the findings showed that awareness level of digital banking was good (36%) in south-east and south-south nigeria during the cash crunch but it level of acceptance and usage improved more (37%) after the cash crunch. the study also ascertained that communication contribute significantly (59%) towards the usage and acceptance of digital banking in the two zones. it further showed that usage of digital banking in south-east and south-south has improved due to significant contributions of communication.