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Journal articles on the topic 'Bank identifier'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Vedapradha., R* Dr. Hariharan Ravi. "MOBILE BANKING – A SILVER LINE DURING FINANCIAL CRUNCH." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 5 (2017): 85–88. https://doi.org/10.5281/zenodo.571602.

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Mobile banking was the biggest strategic move made by the RBI where first regulatory guidelines were issued to the banks in 2008 to transfer funds from one bank to another through mobile as the platform. It sprouted in the economy with SMS based service which has today led into cashless transactions through technological advancement and education. These services are currently offered by 97 banks in India irrespective of mobile service provider. Licensed banks with core banking solutions are permitted to offer mobile banking services to their customers post permission obtained from department o

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Lebid, Olesia, and Oleksandr Veits. "Search for statistically approved criteria for identifying money laundering risk." Banks and Bank Systems 15, no. 4 (2020): 150–63. http://dx.doi.org/10.21511/bbs.15(4).2020.13.

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The paper focuses on the theoretical justification and theoretical foundations of using statistical criteria for identifying money laundering risk as a tool to prevent and counteract the legalization of bank clients’ proceeds. The hypothesis is that the coefficient of variation can be appropriately used as an identifier for money laundering risk. To prove this hypothesis, a special methodology was used: generalization, grouping, statistical analysis of time series, and correlation analysis – to identify and analyze the hidden signs of the customer income legalization in the financial activitie

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priscilla, Pramila. "Enhancing ATM Functionality with a Single Card Solution for Multiple Bank Accounts." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49390.

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ABSTRACT This project seeks to modernize traditional magnetic strip ATM cards by transitioning to RFID-based cards, each possessing a unique identifier. The data processing component is managed by an Arduino Mega microcontroller, which interfaces with various sensors to facilitate financial transactions. User authentication is accomplished through a fingerprint module for biometric verification, augmented by the implementation of a One-Time Password (OTP) transmitted to the registered mobile phone to enhance security. The system is designed to allow users to link multiple bank accounts to thei

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Vasileva, Julia A. "Structural and semantic characteristics of replica ergonyms in the onomasticon of the City of Astrakhan." Vestnik of Kostroma State University 29, no. 1 (2023): 157–61. http://dx.doi.org/10.34216/1998-0817-2023-29-1-157-161.

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The purpose of the article is to study the structural and semantic features of replica ergonyms as part of regional onomasticon. The analysis of the nominations of commercial objects of the City of Astrakhan revealed a layer of ergonyms that had appeared as a result of the communicative structures’ lexicalisation. Stylistic features of colloquial speech give replica ergonyms an emotionally expressive colouring. The information incompleteness of the analysed nominations is replenished by lengthening the ergonym with the help of a lexeme – a generic identifier (functional) indicating the profile

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Kud, Aleksandr. "The Mechanism of Tokenization of Currency Values for Modernization of a National Infrastructure of Financial Settlements." Pressing Problems of Public Administration 1, no. 64 (2024): 56–81. https://doi.org/10.26565/1684-8489-2024-1-04.

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The paper substantiates the mechanism of tokenizing currency values to modernize the national financial settlement infrastructure. This necessitated a consistent resolution of three research objectives: a) justifying the existing insurmountable limitations in the widespread adoption of central bank digital currency, particularly in Ukraine; b) clarifying the structure of such a mechanism for using tokenized assets in developing market infrastructure using the e-commerce sector as an example; c) specifying three mandatory legal and technological conditions for the circulation of respective toke

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Guru, Dr Shivani. "The Impact of Mobile Banking Applications on Customer Engagement and Satisfaction." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–7. https://doi.org/10.55041/isjem04072.

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Abstract Digital tech advancements have changed the global money scene, with phone banking now key to financial access, ease, and better service. In India more people use phone banking because of increased smartphone ownership, government digital programs, and changing customer needs. Though widely used, we still need to study how different phone banking features affect customer involvement and happiness in government-owned banks like Bank of Baroda. This research looks at how phone banking apps affect customer involvement and happiness. It aims to find which features most improve user experie

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Jauhiainen, Tommi, Jussi Piitulainen, Erik Axelson, and Krister Lindén. "Language Identification as part of the Text Corpus Creation Pipeline at the Language Bank of Finland." Digital Humanities in the Nordic and Baltic Countries Publications 4, no. 1 (2022): 251–59. http://dx.doi.org/10.5617/dhnbpub.11296.

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The Language Bank of Finland hosts text corpora originating from Finland. Two of the most used ones are the Newspaper and Periodical Corpus of the National Library of Finland and the Suomi24 Corpus. The Language Bank has received considerable additions to both corpora and is currently creating new versions of the corpora. We are debuting language identification as part of the corpus creation pipeline. As a language identifier, we are using our recently published HeLI-OTS software. This paper investigates the results and the quality of language identification. We created a new dataset for evalu

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Jauhara, Jauhara, and Muhammad Ramaditya. "The influence of knowledge management, entrepreneurial orientation, transformational leadership, and control management system on learning organization." Indonesian Journal of Business, Accounting and Management 6, no. 1 (2025): 33–44. https://doi.org/10.36406/ijbam.v6i01.798.148.

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This study aims to determine the strategy for forming an organizational learning culture at PT Bank Syariah Indonesia Branch Office Jakarta Bendungan Hilir. The independent variables used are knowledge management, entrepreneurial orientation, transformational leadership, and control management systems, while the dependent variable used is organizational learning. The method used in this study is the survey method, where data is obtained from the results of collection using a questionnaire. The population in this study were all employees of PT Bank Syariah Indonesia Branch Office Jakarta Bendun

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Jauhara, Jauhara, and Muhammad Ramaditya. "The influence of knowledge management, entrepreneurial orientation, transformational leadership, and control management system on learning organization." Indonesian Journal of Business, Accounting and Management 6, no. 1 (2023): 33–44. https://doi.org/10.36406/ijbam.v6i01.798_rec.

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This study aims to determine the strategy for forming an organizational learning culture at PT Bank Syariah Indonesia Branch Office Jakarta Bendungan Hilir. The independent variables used are knowledge management, entrepreneurial orientation, transformational leadership, and control management systems, while the dependent variable used is organizational learning. The method used in this study is the survey method, where data is obtained from the results of collection using a questionnaire. The population in this study were all employees of PT Bank Syariah Indonesia Branch Office Jakarta Bendun

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SHARIATMADAR, ZAHRA S., and KARIM FAEZ. "FINGER-KNUCKLE-PRINT RECOGNITION VIA ENCODING LOCAL-BINARY-PATTERN." Journal of Circuits, Systems and Computers 22, no. 06 (2013): 1350050. http://dx.doi.org/10.1142/s0218126613500503.

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Biometrics-based authentication is an effective approach which is used for automatically recognizing a person's identity. Recently, it has been found that the finger-knuckle-print (FKP), which refers to the texture pattern produced by the finger knuckle bending, is highly unique and can be used as a biometric identifier. In this paper, we present an effective FKP recognition scheme for personal identification and identity verification. This method is a new encoding scheme based on local binary pattern (LBP). Each image first is decomposed in several blocks, each block is convolved with a bank

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Li, Jian, Xinxin Guo, and Bo Li. "Robust Fault Diagnosis and Adaptive Parameter Identification for Single Phase Transformerless Inverters." Mathematical Problems in Engineering 2018 (August 13, 2018): 1–11. http://dx.doi.org/10.1155/2018/3025838.

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The paper presents the theoretical analysis and simulation verification of robust fault diagnosis and adaptive parameter identification for single phase transformerless inverters. The fault diagnosis is composed of two parts, fault detection and fault identification. In the fault detection part, a Luenberger observer is designed to realize the detection of faults. Then, we apply a bank of observers to identify the location of faults. Meanwhile, the fault identification observers based estimation along with a gradient descent algorithm are also used in the parameter identification to estimate t

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Anderson, Alun. "Green Bank failure identified." Nature 338, no. 6215 (1989): 448. http://dx.doi.org/10.1038/338448b0.

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Soltero, Erica, Callie Lopez, Sandra Mihail, et al. "An SMS Text Message–Based Type 2 Diabetes Prevention Program for Hispanic Adolescents With Obesity: Qualitative Co-Design Process." JMIR Formative Research 7 (August 2, 2023): e46606. http://dx.doi.org/10.2196/46606.

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Background SMS text message–based interventions are a promising approach for reaching and engaging high-risk youths, such as Hispanic adolescents with obesity, in health promotion and disease prevention opportunities. This is particularly relevant, given that SMS text messaging is widely accessible and available and that adolescents are frequent texters. Including youths in the development of SMS text message content can lead to more acceptable and relevant messaging; however, few studies include this group as cocollaborators. Objective This study aimed to use a co-design process to inform the

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H. Omar, Habiba, and Mohd E. Yusoff. "Central bank impact on practicing Mudarabah financing in Islamic banks: the case of Tanzania." Banks and Bank Systems 14, no. 1 (2019): 81–93. http://dx.doi.org/10.21511/bbs.14(1).2019.08.

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This paper investigates the challenges faced by Islamic banks in practicing Mudarabah financing under conventional regulatory regime by interviewing eleven Islamic bank managers from three selected banks. Thematic data analysis was employed to understand hindrances for Islamic banks in operating Mudarabah financing under conventional regulatory regime. Findings of the study have provided a number of major challenges that hinder Islamic banks performance in Tanzanian context. The challenges include irregularities of policies and regulations, non-supportive operational and technical structure, a

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Iman, Nofie. "Traditional banks against fintech startups: a field investigation of a regional bank in Indonesia." Banks and Bank Systems 14, no. 3 (2019): 20–33. http://dx.doi.org/10.21511/bbs.14(3).2019.03.

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This research examines the way in which traditional banks are competing against the emerging fintech startups. This study identifies driving factors and uniqueness that illustrate the peculiar characteristics of incumbents, analyzes their internal readiness and capabilities, and examines their strategic response against fintech startups. In doing so, this paper examines Small Town Bank (STB)1, a regional bank in Indonesia, regarding its ability to innovate. Data are obtained from primary sources through internal and external questionnaires, as well as secondary data. The results of the study i

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Carmidah, Carmidah, and Sukirno Sukirno. "Corporate Governance dan kinerja keuangan Bank Syariah di Indonesia." Akuisisi: Jurnal Akuntansi 17, no. 1 (2021): 1–15. http://dx.doi.org/10.24127/akuisisi.v17i1.570.

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Corporate governance consists of a unique set of rules to protect the interests of company shareholders. Success in implementing governance is determined by the extent to which the company identifies optimally in accordance with the conditions of the company concerned, especially Islamic banks in Indonesia. The purpose of this study is to prove that good governance can affect the financial performance of Islamic banks in Indonesia and tries to contribute to the academic literature by providing evidence that good governance can affect the financial performance of Islamic banks in Indonesia. Thi

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Кутепов, М. Ю., И. А. Бухарев, and В. В. Плахов. "IMPLEMENTATION OF INTERREGIONAL NUMBER PORTABILITY AS ONE OF THE DIRECTIONS FOR THE MNP DEVELOPMENT." Электросвязь, no. 2(39) (March 10, 2023): 43–49. http://dx.doi.org/10.34832/elsv.2023.39.2.006.

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В настоящее время абонентский номер телефона фактически стал уникальным идентификатором гражданина не только как пользователя услуг связи, но и для организации и подтверждения доступа к различным сервисам (в том числе государственным), порталам, личным кабинетам, банковским счетам и приложениям. Реализация возможности перенесения абонентского номера между различными субъектами Российской Федерации позволит значительно упростить жизнь абонентам при внутренней миграции, а также окончательно отменить «мобильное рабство» в стране. В статье приводится анализ возможности внедрения бизнес-процесса ме

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Ghosh, Sutapa, Zukang Feng, Yuhe Liang, et al. "Sixth Decade of Protein Data Bank Operations: Transition to Extended PDB IDs and PDBx/mmCIF Format." Structural Dynamics 12, no. 2_Supplement (2025): A27. https://doi.org/10.1063/4.0000336.

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The Protein Data Bank (PDB) was established in 1971 as the first open-access digital data resource in biology with just seven X-ray crystallographic structures of proteins. Today, the single global PDB archive houses more than 215,000 experimentally-determined, atomic-level three-dimensional (3D) structures of biological macromolecules that are made freely available to many millions of users worldwide with no limitations on data usage. 3D biostructure information facilitates basic and applied research and education across the sciences, impacting fundamental biology, biomedicine, biotechnology,

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Rashkovan, Vladyslav, and Dmytro Pokidin. "Ukrainian Banks’ Business Models Clustering: Application of Kohonen Neural Networks." Visnyk of the National Bank of Ukraine, no. 238 (December 27, 2016): 13–38. http://dx.doi.org/10.26531/vnbu2016.238.013.

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This paper clusters and identifies six distinct bank business models using Kohonen Self-Organising Maps. We show how these models transform over the crisis and conclude that some of them are more prone to default. We also analyze the risk profiles of the bank business models and differentiate between safest (valid) and riskiest ones. Specifically, six risk types (Profitability, Credit, Liquidity, Concentration, Related parties lending, and Money Laundering) are used to build risk maps of each business model. The method appears to be an efficient default prediction tool, since a back-testing ex

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Funsho, Tajudeen Kolapo, and Afolabi Sofoluwe Nurudeen. "Determinants of Consumers' Patronage of Commercial Banks in Southwest, Nigeria." Journal of Economics, Finance And Management Studies 4, no. 10 (2021): 2012–18. https://doi.org/10.47191/jefms/v4-i10-24.

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This study identifies, categorizes and examines the factors influencing customers in their decision to engage in financial transaction with commercial banks. Primary data were elicited from bank customers across Six States in Southwest, Nigeria. The data collected from the randomly sampled respondents were analysed using descriptive statistics and Kruskal-Wallis H ranking test. The findings from non-parametric analysis of the factors using Kruskal-Wallis ranking technique show that, respectively, timeliness of operations, internet service and safety of transactions are of great values to bank

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Bhaskar Bhurase, Sachin, and Kishor V. Ghormade. "Non-Performing Assets in Scheduled Commercial Banks of India: Is a 'Bad Bank' a Viable Solution?" Journal of Investment, Banking and Finance 3, no. 1 (2025): 01–05. https://doi.org/10.33140/jibf.03.01.04.

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The persistent issue of Non-Performing Assets (NPAs) in India's banking sector has significantly impacted the country's financial stability and economic growth. Despite various regulatory measures, including the Insolvency and Bankruptcy Code (IBC) and recapitalization initiatives, a sustainable resolution to the NPA crisis remains elusive. The establishment of the National Asset Reconstruction Company Ltd. (NARCL), also known as India's 'Bad Bank,' marks a critical step toward addressing this issue. This research paper explores the concept of bad banks, evaluates international case studies, a

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Gundersen, J. O. "The Ku-band polarization identifier." New Astronomy Reviews 47, no. 11-12 (2003): 1097–106. http://dx.doi.org/10.1016/j.newar.2003.09.036.

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Dr., Seema Singhal. "Assessing The Cybersecurity Challenges In E-Banking: A Comparative Study of Public and Private Sector Banks." International Journal of Contemporary Research In Multidisciplinary 4, no. 1 (2025): 202–6. https://doi.org/10.5281/zenodo.15510841.

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This study examines the cybersecurity challenges faced by e-banking systems across public and private sector banks in India from March 2020 to March 2024. Through comparative analysis of six major banks - State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Axis Bank, ICICI Bank, and HDFC Bank - this research identifies key cybersecurity vulnerabilities, incident patterns, and mitigation strategies. Statistical analysis reveals significant differences in cybersecurity preparedness and incident response between public and private sector banks, with implications for regul

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Kieu Oanh Dao, Le, Thi Yen Nguyen, Sarfraz Hussain, and Van Chien Nguyen. "Factors affecting non-performing loans of commercial banks: the role of bank performance and credit growth." Banks and Bank Systems 15, no. 3 (2020): 44–54. http://dx.doi.org/10.21511/bbs.15(3).2020.05.

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The recent crisis of non-performing loans in the banking system has hit the Vietnamese economy hard. The GDP has been fallen down, while the bad debt ratio in the banking system has risen dramatically to 17.2 percent, and it takes more time to restore the economy and banking system. This research aims to define aspects that impact non-performing commercial bank loans in Vietnam. It covers the period of 2008–2017 using 200 identified banks of Ho Chi Minh City Stock Exchange and Hanoi Stock Exchange, and applies methods based on the regression of pooled ordinary least squares, fixed and random e

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Ahmad, Rubi, and Mohamed Albaity. "The Determinants of Bank Capital for East Asian Countries." Global Business Review 20, no. 6 (2019): 1311–23. http://dx.doi.org/10.1177/0972150919848915.

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This study identifies the determinants of bank capital ratios in eight East Asian countries using unbalanced panel data of 278 banks from 2004 to 2014. The results indicate that bank capital decisions are significantly driven by management quality, liquidity, leverage and bank size, as well as bank regulations, indicating that the determinants of bank capital are consistent with past findings for US and European banks. The capital adequacy ratios in East Asia are not linked with banks’ risk appetite. Given that our results show that bank managers generally react negatively to capital requireme

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Khan, Shabeer, Nur Amalia Aziza, and Allah Ditta Nawaz. "Islamic and Conventional Banks Stability in Indonesia." ETIKONOMI 23, no. 1 (2024): 167–82. http://dx.doi.org/10.15408/etk.v23i1.33879.

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Research Originality: The stability of banking institutions is crucial for the overall financial health of a country. The originality of this paper lies in its innovative use of quantile regression analysis to provide a nuanced understanding of the factors influencing bank stability, particularly in the Indonesian context.Research Objectives: This research identifies factors influencing bank stability in Islamic and conventional banks in Indonesia.Research Methods: Utilizing quantile regression analysis to measure the impact of various factors at different quantiles, addressing the existing mi

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Indraswari, Citra Rahayu, Kartika Sari, and Puspitasari Wahyu Anggraeni. "Exploring the Relationship Between Diversification, Risk Bank, Size Bank, and Liquidity; Evidence From Conventional Banking In Indonesia." EcceS (Economics Social and Development Studies) 10, no. 2 (2023): 184–204. http://dx.doi.org/10.24252/ecc.v10i2.41087.

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Banking plays an important role in the economy both micro and macro. In addition, it is crucial for a country to have a strong and robust banking system. To realize a strong and robust banking banks need to maintain their efficiency. Therefore, it is necessary to identify the factors that affect efficiency, including asset diversification, risk, bank size and bank liquidity. The novelty of this research is that there is an asset diversification variable. Asset diversification can protect investors from recurring investment cycles and can save from asset failure. The sample of this research are

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DR., PRIYANKA DAYA CHOUDHARY, and PATEL VIDHI. "INDUCTION AND TRAINING PROGRAMMES OF EMPLOYEE IN THE SELECTED CO-OPERATIVE BANKS IN RAJASTHAN." International Educational Scientific Research Journal 10, no. 12 (2024): 68–76. https://doi.org/10.5281/zenodo.14535180.

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The efficient induction and training of employees are essential for the overall success and performance of any organization, including cooperative banks. This study aims to investigate the induction and training programs offered to employees in two cooperative banks in Rajasthan, namely Mahila Bank and Udaipur Bank. The study adopts a qualitative research approach and utilizes interviews, surveys, and documentation analysis as primary data collection methods. The research investigates the objectives, processes, content, and effectiveness of the induction and training programs implemented by th

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Gounder, Chitra Gunshekhar, and M. Venkateshwarlu. "Bank Valuation Models – A Comparative Analysis." Accounting and Finance Research 6, no. 3 (2017): 116. http://dx.doi.org/10.5430/afr.v6n3p116.

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The Bank valuation model was designed based on objective to fit the most applicable valuation model for banks to help in forecasting bank specific decision and also forecast the market value of share. First study the accuracy and explanatory value of the value estimates from the residual income model compared to the estimates from the Relative valuation model for banks. Empirical evidence suggests that the residual income model is superior to the relative valuation model when it comes to measuring bank shareholder value. The results of the comparison suggest that value estimates from the resid

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Taiwo, Oguntuase, Dr Alase Peter. O, and Ajibade Aduragbemi A. "Service Recovery and Customer Retention among Banks in Ekiti State: Central Bank of Nigeria Cash Swap Policy Experience." International Journal of Economics, Business and Management Research 07, no. 06 (2023): 307–17. http://dx.doi.org/10.51505/ijebmr.2023.7619.

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The study identified service recovery and the level of retention among bank customers in Ekiti State, Nigeria. The study embraced a descriptive survey research. Customers of eight banks like Access Bank, First Bank, Zenith Bank, GTco, Eco Bank, Wema Bank, Heritage Bank and UBA constituted the study population. Two hundred and forty (240) sample size through simple random sampling was employed. Primary data through administration of structured questionnaire to customers of the aforementioned eight banks in Ekiti State was used. The data retrieved were analysed using linear regression. The study

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Radyukova, Ya., V. Sutyagin, and E. Kolesnichenko. "Crediting as a tool development small business." Bulletin of Science and Practice 4, no. 11 (2018): 301–12. https://doi.org/10.5281/zenodo.1488217.

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The article is devoted to the search for tools for the development of small business in modern economic conditions since the low level of development of small business is due to high tax burden; limited financial resources; the difficulty of obtaining a loan; the imperfection of state support for small business forms; administrative barriers. One of the most effective tools for the development of small business in the article is justified lending. In the article, when considering the issues of lending to small businesses, the authors analyzed the line of credit products of Russian banks by maj

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Minoiu, Camelia, Andres Schneider, and Min Wei. "Why Does the Yield Curve Predict GDP Growth? The Role of Banks." Finance and Economics Discussion Series, no. 2023-049 (July 2023): 1–62. http://dx.doi.org/10.17016/feds.2023.049.

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We provide evidence on the effect of the slope of the yield curve on economic activity through bank lending. Using detailed data on banks' lending activities coupled with term premium shocks identified using high-frequency event study or instrumental variables, we show that a steeper yield curve associated with higher term premiums (rather than higher expected short rates) boosts bank profits and the supply of bank loans. Intuitively, a higher term premium represents greater expected profits on maturity transformation, which is at the core of banks’ business model, and therefore incentivizes b

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Indraswari, Citra Rahayu, and Kartika Sari. "Determinants of Efficiency: Asset Diversification, Risk, Bank Size, and Liquidity." Jurnal Keuangan dan Perbankan 27, no. 3 (2023): 373–83. http://dx.doi.org/10.26905/jkdp.v27i3.11235.

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Banking plays an important role in the economy both micro and macro. In addition, it is crucial for a country to have a strong and robust banking system. To realize a strong and robust banking banks need to maintain their efficiency. Therefore, it is necessary to identify the factors that affect efficiency, including asset diversification, risk, bank size and bank liquidity. The sample of this research are conventional banks with a total of 10 banks that have the largest share of assets in Indonesia. In this study to identify the effect of asset diversification, bank risk, bank size, and bank

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Ibrahim, Sardar SH. "Impacts of Capital Structure on Bank Performance." Koya University Journal of Humanities and Social Sciences 2, no. 1 (2019): 118–23. http://dx.doi.org/10.14500/kujhss.v2n1y2019.pp118-123.

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Purpose: This study studies the effect of capital structure on the performance of some Iraqi private banks. Six banks based in Iraq namely: Babylon Bank, Investment Bank, Credit Bank, Commercial Bank, Sharq Al-Awsat Bank, and Baghdad Bank were selected for the present study over the period 2005 to 2015. Methodology: Annual reports of these banks were studied and relevant ratios were calculated. The variables that were identified as independent for capital structure were total debt to capital, bank size and asset growth, while return on assets and return on equity were considered to be dependen

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Marinova, E. V. "Platʼe tsveta moloko (A milk-coloured dress): on one stable grammatical variation type". Russian language at school 84, № 6 (2023): 92–99. http://dx.doi.org/10.30515/0131-6141-2023-84-6-92-99.

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The article considers reasons and conditions for the spread of a new syntactic colour designation pattern, i. e. an attributive phrase with a colour identifier and a noun in the nominative case (X tsveta moloko / milk-coloured X, X tsveta baklazhan / aubergine-coloured X). The new model (X tsveta moloka / milk-coloured X, X tsveta baklazhana / aubergine-coloured X), which is inconsistent with Russian grammar, coexists in modern speech with the normative pattern. The study aims to determine the route of dynamic changes in this language area subject to variation. Using contexts extracted from th

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Nel, Jacques, and Christo Boshoff. "Traditional-bank customers' digital-only bank resistance: evidence from South Africa." International Journal of Bank Marketing 39, no. 3 (2021): 429–54. http://dx.doi.org/10.1108/ijbm-07-2020-0380.

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PurposeDigital-only banks are emerging as challenger banks to the traditional-bank business model in South Africa. However, traditional-bank customers could resist the use of digital-only banks, theoretically due to their satisfaction with the status quo. Consequently, inertia arising from bias to traditional banks based on status quo satisfaction could engender their resistance to become customers of digital-only banks. The objective of the study, therefore, is to investigate how traditional-bank customers' inertia influences digital-only bank resistance.Design/methodology/approachBased on a

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Desta, Tesfatsion Sahlu. "Are the best African banks really the best? A Malmquist data envelopment analysis." Meditari Accountancy Research 24, no. 4 (2016): 588–610. http://dx.doi.org/10.1108/medar-02-2016-0016.

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Purpose This paper aims to examine whether the African commercial banks selected as the best African banks by Global Finance Magazine really are the best. Design/methodology/approach Panel data envelopment analysis (DEA) was used, as well as the Malmquist total factor productivity index, to distinguish productive banks from unproductive banks. Nineteen commercial banks were selected from the 30 best African banks as identified by the Global Finance Magazine. Findings Of the 19 banks, five were found to be unproductive. Bank productivity was attributed mainly to technological change, and differ

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TKACHENKO, Natalia, and Olexander MOMOT. "SYSTEMATIZATION OF THE EFFECTS THAT ARISE IN CONNECTION WITH THE EXPANSION OF TRANSNATIONAL BANK CAPITAL." WORLD OF FINANCE, no. 3(56) (2018): 80–91. http://dx.doi.org/10.35774/sf2018.03.080.

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Introduction. Openness to transnational financial flows is one of the most important indicators of the development of banking systems. The advocates of openness of banking systems for the entry of transnational banks as positive characteristics indicate increased competition in the banking sector, increased financial stability and efficiency, application of the newest management methods, diffusion of banking innovations, consolidation of both prudential standards and standards of regulation and supervision of banking activities. The purpose. The purpose of the article is to study the signs of

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Kim, Sook-Kyung, Sathyavelu K. Reddy, Bryant C. Nelson, et al. "Biochemical and Structural Characterization of the Secreted Chorismate Mutase (Rv1885c) from Mycobacterium tuberculosis H37Rv: an *AroQ Enzyme Not Regulated by the Aromatic Amino Acids." Journal of Bacteriology 188, no. 24 (2006): 8638–48. http://dx.doi.org/10.1128/jb.00441-06.

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ABSTRACT The gene Rv1885c from the genome of Mycobacterium tuberculosis H37Rv encodes a monofunctional and secreted chorismate mutase (*MtCM) with a 33-amino-acid cleavable signal sequence; hence, it belongs to the *AroQ class of chorismate mutases. Consistent with the heterologously expressed *MtCM having periplasmic destination in Escherichia coli and the absence of a discrete periplasmic compartment in M. tuberculosis, we show here that *MtCM secretes into the culture filtrate of M. tuberculosis. *MtCM functions as a homodimer and exhibits a dimeric state of the protein at a concentration a

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Bony, Shakila Zerin. "Bank Specific and Macroeconomic Determinants of Commercial Bank Performance in Bangladesh." ABC Journal of Advanced Research 10, no. 2 (2021): 115–30. http://dx.doi.org/10.18034/abcjar.v10i2.591.

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The main purpose of this study is to examine the impacts of bank-specific and macroeconomic factors on the commercial bank performance measures (ROA, NIM, and ROE in this case) in Bangladesh. The study identifies bank-specific characteristics and macroeconomic determinants of performance in Bangladesh’s banking sector over the years 2009 to 2018. The study uses relevant data from a sample of 10 commercial banks in Bangladesh. The determinants are identified by using correlation and regression analysis. This finding serves as an indicator that the bank-specific and macroeconomic variables selec

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SMIRNOV, Valerii V. "An analysis of the debt redemption trends under the agreement with the Bank of Russia." Finance and Credit 29, no. 3 (2023): 641–60. http://dx.doi.org/10.24891/fc.29.3.641.

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Subject. This article examines the trends of debt securities owned by Russian banks transferred under a buyback agreement with the Central Bank of the Russian Federation. Objectives. The article aims to determine the parameters of the above-noted trends. Methods. For the study, I used a systems approach based on the methods of statistical, neural network, and cluster analyses. Results. The article identifies the priority of domestic ruble-denominated borrowings and defines the necessary relationships between ruble-denominated debt securities of non-residents and government (municipal) euro-den

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Garba, Y., E. Jobe, E. A. Adeola, and I. R. Muhammad. "Challenges and threats to rangeland utilization and appropriate intervention indicators for sustainable livestock production in North Bank Region of The Gambia." Nigerian Journal of Animal Production 48, no. 6 (2022): 321–31. http://dx.doi.org/10.51791/njap.v48i6.3320.

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The North Bank Region (NBR) of The Gambia rangeland is composed of shrubby vegetation with few widely spaced trees and undergrowth forbs and grass species on a flat terrain. A study was conducted to ascertain the challenges and threats to rangelands utilization by livestock in NBR, and to identify appropriate intervention indicators for sustainable rangeland livestock production in the region.A multi-stage sampling technique was employed to select 200 respondents from the seven districts in the NBR. Data obtained from the study were analyzed using descriptive statistics. Majority (94.9%) of th

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Iwanicz-Drozdowska, Małgorzata, Krzysztof Jackowicz, and Maciej Karczmarczyk. "“The Crooked Smile of TCR”: Banks’ Solvency and Restructuring Costs in the European Banking Industry." SAGE Open 11, no. 3 (2021): 215824402110459. http://dx.doi.org/10.1177/21582440211045962.

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In this study, we analyze the probability of bank failure, the expected losses, and the costs of bank restructuring with the application of a lognormal distribution probability function for three categories of European banks, that is, small, medium, and large, over the post-crisis period from 2012 to 2016. Our goal was to determine whether the total capital ratio (TCR) properly reflects banks’ solvency under stress conditions. We identified a phenomenon that one can call the “crooked smile of TCR”. Medium-sized banks with relatively high TCRs performed poorly in stress tests; however, the prob

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Ibrahim, Sardar Shaket. "The Impacts of Liquidity on Profitability in Banking Sectors of Iraq." International Journal of Finance & Banking Studies (2147-4486) 6, no. 1 (2017): 113–21. http://dx.doi.org/10.20525/ijfbs.v6i1.650.

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This study examines the influence of liquidity on the profitability of Iraqi commercial banks. Five banks based in Iraq namely: North bank, Iraqi Islamic bank, Sumer bank, Dar Es-Salam bank and Babylon bank randomly selected and analyzed for the current study over the period 2005 to 2013. Moreover, annual reports of these banks have studied and the main ratios of profitability and liquidity were calculated. These reports are available at Iraqi Stock Exchange site. The variables that were identified as independent for liquidity were, loan deposit ratio, deposit asset ratio and cash deposit rati

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Andi Muhammad Rizal, Hasan Aedy, and Siti Zakiah Ma’mun. "Measuring The Performance of Islamic Banks Using The Shidiq Amanah Tabligh and Fathona Models." Perisai : Islamic Banking and Finance Journal 8, no. 2 (2024): 174–87. http://dx.doi.org/10.21070/perisai.v8i2.1739.

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The difference in the operational system principles of Islamic banks and conventional banks should have an impact on the difference in bank performance assessments. This study aims to evaluate the performance of the financial aspects, social aspects, and sharia compliance aspects of Islamic banks (SATF value). The type of research is quantitative descriptive using secondary data. The research population is Islamic banks operating in Indonesia for the period 2021-2022. The sampling technique used purposive sampling with three selected banks: Bank Syariah Indonesia (BSI), Bank Muamalat Indonesia

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Yevchenko, Natalia N., and Kristian A. Koyka. "REGIONAL BANKS OF RUSSIA IN CONDITIONS OF BANKING CAPITAL CONSOLIDATION: DYNAMICS AND DEVELOPMENT PROSPECTS." IZVESTIYA VUZOV SEVERO-KAVKAZSKII REGION SOCIAL SCIENCE, no. 3 (211) (September 30, 2021): 101–9. http://dx.doi.org/10.18522/2687-0770-2021-3-101-109.

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The article analyzes the dynamics and trends of changes in the number of regional entities of the Russian banking market in comparison with the federal ones. The definition of a regional bank has been clarified, the dynamics of changes in the number of credit institutions by federal districts of the Russian Federation has been identified, and districts have been identified that retain the stability of the presence of regional banks. The results of the banking reform impact (2017) on the bank capital consolidation and the banks separation into two levels are presented. It was concluded that the

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Hoque, Md Rashedul, and Md Israt Rayhan. "Efficiency Measurement on Banking Sector in Bangladesh." Dhaka University Journal of Science 61, no. 1 (2013): 1–5. http://dx.doi.org/10.3329/dujs.v61i1.15088.

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Nowadays banking sector in Bangladesh plays a considerable role in the economic development and business improvement, in this aspect ranking of banks is vital. In this study, an attempt has been made to rank some of the Bangladeshi Banks. Also, the most efficient bank is identified here. Data Envelopment Analysis is used for this purpose. The data from the annual reports of different banks are used in this study for the purpose of efficiency checking. In Data Envelopment Analysis two types measurement techniques are used constant returns to scale and variable returns to scale. Since this stu

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Xue, Jian, Di Zhu, Laijun Zhao, Chenchen Wang, and Hongyang Li. "Redundancy Identification and Optimization Scheme of Branches for Sustainable Operation of Commercial Banks." Sustainability 11, no. 15 (2019): 4111. http://dx.doi.org/10.3390/su11154111.

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With the rapid development of the internet, the number of offline customers in the bank branches decreases, and the existing layout of branches leads to the increase of operation cost, which has an impact on the sustainable operation of commercial banks. Adjusting and optimizing the layout of the physical branches of commercial banks can not only reduce the operation cost of banks and avoid the waste of resources, but is also crucial to the sustainable operation of commercial banks. First, an evaluation index system (deposit; loan; number of vouchers; maintenance, establishment, and modificati

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Матвєєва, Юлія, Вадим Лук’янихін, Юлія Опанасюк, Едуард Богдан, and Галина Сурмай. "HR MANAGEMENT IN THE BANKING SECTOR: DIGITAL SOLUTIONS AND ANALYTICS." Сталий розвиток економіки, no. 2 (53) (April 25, 2025): 251–58. https://doi.org/10.32782/2308-1988/2025-53-34.

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The article explores the impact of digital technologies on HR management in banks, particularly the integration of front- and back-office operations through multifunctional platforms. An analysis of 1,353 Scopus® publications revealed a growing interest after 2015 due to digital transformation and a surge after 2020 due to the COVID-19 pandemic. Thematic modeling (VOSviewer) identified six research clusters. A GAP analysis of HR management at PrivatBank highlighted areas for improvement, including HR structure adaptability, AI analytics, work-life balance, personalized learning, and enhanced c

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Febiyanto, Deny Edy Widodo, and Qori’Ah Sholihah. "Analisis Kinerja Keuangan Antar Bank Umum Milik Negara Yang Terdaftar Di BEI Tahun 2019-2021." Jurnal Manajemen DIVERSIFIKASI 4, no. 2 (2024): 361–71. http://dx.doi.org/10.24127/diversifikasi.v4i2.3676.

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This study aims to determine differences in financial performance between state-ownedcommercial banks using the CAMEL ratio to determine whether the bank's performance is inthe healthy predicate or not. In this study identified Bank Rakyat Indonesia (BRI), BankMandiri, Bank Negara Indonesia (BNI), State Savings Bank (BTN), in 2019-2021. Thisresearch method is calculated using the ratio of Capital, Assets, Management, Earnings,Liquidity (CAMEL). The results of this study use the CAR, NPL/NPF, NPM, and LDR ratiosof the five state-owned commercial banks in the 2019-2021 period with different pred

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