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Journal articles on the topic 'Bank retail business'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Duisenbayeva, B., N. Maulina, and G. Suleimenova. "Retail lending to commercial banks: current state and business models of development." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 295–306. http://dx.doi.org/10.32523/2789-4320-2023-1-295-306.

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This article explores the current state of consumer bank lending, focusing on the quantitative and qualitative indicators of the banking sector, the ecosystems of commercial banks. In the course of the study, statistical data on the loan portfolio and overdue debts of the banking sector of the Republic of Kazakhstan, on the structure of overdue debts on bank retail loans issued for consumer purposes were used and analyzed. The tendencies of bank consumer crediting by the terms and sizes of the lending rate are determined. The influencing factors on consumer-clients in retail lending have been

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DR, BHADRAPPA HARALAYYA. "TOP 5 PRIORITIES THAT WILL SHAPE THE FUTURE OF RETAIL BANKING INDUSTRY IN INDIA." Journal of Advanced Research in HR and Organizational Management ISSN: 2454-3268 8, no. 1&2 (2021): 17–18. https://doi.org/10.5281/zenodo.5017878.

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Retail banking refers to the delivery of financial services by a bank to individual customers rather than to corporate clients, companies, or other banks. The main retail banking products include savings and transaction accounts, mortgages, personal loans, debit cards, and credit cards. India experienced a surge in retail banking after introducing financial sector reforms in 1992. The retail banking industry in India has fast emerged as one of the major contributors to the overall growth of the banking sector in the recent past. In the current business environment, the Indian banking industry

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Schmidt-Jessa, Katarzyna, and Maciej Stradomski. "Digital-Only Banks – Retail Banks for Retail Customers Only?" Journal of Banking and Financial Economics 2025, no. 1(23) (2025): 107–24. https://doi.org/10.7172/2353-6845.jbfe.2025.1.8.

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This paper explores how traditional banks perceive digital-only banks and the potential impact of digital-only banks on the retail segment of the banking sector. To obtain the main goal, we conducted in-depth semi-structured interviews with managers and directors representing different traditional banks with profound insight into the bank digitalisation process. The results indicate that, for traditional banks, the development of digital-only banks does not pose a threat or challenge that can significantly undermine their business. A high level of user experience, innovativeness, and lack of o

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Hursepuny, Johan, Dwi Novita, Kuncoro Wibowo, Frisca L. Siagian, and Oktavia L. Marpaung. "PENGARUH DISIPLIN KERJA, MOTIVASI KERJA DAN TINGKAT PENDIDIKAN TERHADAP KINERJA KARYAWAN DIVISI RETAIL BUSINESS DEVELOPMENT PT OK BANK INDONESIA." Journal of Information System, Applied, Management, Accounting and Research 8, no. 3 (2024): 505. http://dx.doi.org/10.52362/jisamar.v8i3.1185.

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Human resources are a very important asset of a company. The quality of human resources will affect the progress of the company. For this reason, the quality of human resources in the company must always be improved so that their performance is satisfactory and will help the company make a profit. Many factors affect employee performance including work motivation, work discipline, education level. This study aims to determine the effect of work discipline, work motivation, level of education on the performance of employees of the retail business development division of PT OK Bank Indonesia, ei

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Campolongo, Francesca, Jessica Cariboni, Nathalie Ndacyayisenga, and Andrea Pagano. "Banks under X-rays: business model choices and trading." Journal of Financial Economic Policy 7, no. 4 (2015): 377–400. http://dx.doi.org/10.1108/jfep-12-2014-0081.

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Purpose – The purpose of this paper is to do an empirical analysis assessing whether banks highly involved into trading activities show specific business model choices. Key factors in the analysis are a proper measure for trading activities and a consistent classification of banks in terms of business choices. Design/methodology/approach – We investigate three measures for trading activities proposed by regulators in the context of bank structural reform in Europe. Through robust statistics we identify the key trading players and classify banks into a limited number of business model clusters,

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Черникова, Людмила, Lyudmila Chernikova, Гузель Фаизова, and Guzel Faizova. "Service as part of the strategy of retail banking businesses." Services in Russia and abroad 8, no. 8 (2014): 26–37. http://dx.doi.org/10.12737/8245.

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The article presents the authors&#180; systematization of strategies for managing retail banking businesses with the disclosure of the methods and forms, and that provides an overview  of the strategies used, the methods and forms of the retail banking business. This systematization allows developing new models of strategies that take into account the interaction of business, society and the public to ensure the balance of risks and effectiveness of activities, including at each stage of the organization of the retail banking business. The success of the forms and methods of re

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J. Schmidt, Holger, Roger B. Mason, Juan-Pierré Bruwer, and Jonathan Aspeling. "Access to finance problems for small retail businesses in South Africa: comparative views from finance seekers (retailers) and finance providers (banks)." Banks and Bank Systems 12, no. 2 (2017): 20–30. http://dx.doi.org/10.21511/bbs.12(2).2017.02.

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Small retail businesses are essential for the growth of the South African economy. Though many of these business entities need more assets to seize business opportunities, previous research studies suggest that their overall access to finance through banks and other finance providers seems to be limited. In general, small retail businesses are usually managed by entrepreneurs who lack financial knowledge, but banks, when deciding on credit applications, rely heavily on financial information, which is provided by these entrepreneurs. Notwithstanding the aforementioned, this study aimed to explo

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Nugroho, Lucky, Nurul Hidayah, and Ahmad Badawi. "The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence)." Mediterranean Journal of Social Sciences 9, no. 5 (2018): 221–35. http://dx.doi.org/10.2478/mjss-2018-0154.

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Abstract Bank stability becomes one of the crucial pillars in maintaining economic growth. Therefore, the segmentation strategy is needed because it aims to improve the financial stability of the bank (decrease Non-Performing Loan-NPL / Non-Performing Financing-NPF). This study aims to determine the effect of segmentation on the quality of Islamic banks proxied with NPF. The method used is a quantitative method with multiple regression test and statistical tool Stata version 13. From the results of statistical data, it is known that the retail segment has a more significant influence than the

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Kusi, Baah Aye, Jonas Ladime, and Felix Baidoo. "Political Business Cycle, Corporate Transparency and Bank Lending in Africa." Journal of Developing Areas 59, no. 2 (2025): 125–50. https://doi.org/10.1353/jda.2025.a957756.

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ABSTRACT: This study examines how political business cycles (PBC) influence bank lending in Africa in the presence of corporate transparency. While existent empirical studies show that PBC is associated with increased bank lending which is often followed by increased credit losses, risk and defaults, the literature is silent on which specific type of bank lending is affected by PBC and how corporate transparency (CT) can be used as tool for taming increasing effect of PBC on different types of bank lending. Following from this, this present study examines how PBC affects different bank lending

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ПЕТРОВА, Е. А., Ю. Д. БОГДАНОВА, Э. Ф. ХАДИУЛЛИНА, and Д. Р. МИННИГУЛОВ. "ANALYSIS AND OPTIMIZATION OF BUSINESS PROCESSES IN A COMMERCIAL BANK." Экономика и предпринимательство, no. 4(153) (June 15, 2023): 746–50. http://dx.doi.org/10.34925/eip.2023.153.4.141.

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В статье рассмотрены аспекты применения процессного подхода в коммерческих банках, подходы к классификации бизнес-процессов банка, нотации их описания, алгоритмы реинжиниринга и оптимизации основных и вспомогательных бизнес-процессов с учетом специфики розничного бизнеса коммерческих банков. The article discusses aspects of applying the process approach in commercial banks, approaches to the classification of bank business processes, notations for their description, algorithms for reengineering and optimization of main and auxiliary business processes, taking into account the specifics of the

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Dr., Saumya Bahadur. "Role of Retail Sector in Formation of Atmanirbhar Bharat." Management Journal for Advanced Research 4, no. 3 (2024): 6–9. https://doi.org/10.5281/zenodo.12224175.

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After agriculture sector in India retail sector employes most people at 8% of total employment and 10% of total GDP comes from retail sector.  India is ranked 73 in the United Nations Conference on Trade and Development's Business-to-Consumer (B2C) E-commerce Index 2019. India is also the world’s fifth-largest global destination in the retail space and ranked 63 in World Bank’s Doing Business 2020.The Indian retail sector is one of the most exciting and under penetrated markets in the world and because of rapid urbanization and changing consumption patterns; India has witnesse

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Di Fabio, Costanza. "Does the business model influence income smoothing? Evidence from European banks." Journal of Applied Accounting Research 20, no. 3 (2019): 311–30. http://dx.doi.org/10.1108/jaar-09-2018-0151.

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Purpose The purpose of this paper is to explore whether the business model (BM) influences bank income smoothing by considering two competing perspectives, the opportunistic and the information enhancement one. Additionally, the paper addresses the role of auditors’ involvement in national supervision and external governance. Design/methodology/approach Income smoothing is measured by regressing loan loss provisions on unmanaged earnings, and the moderating role of country-level factors is tested employing three-way interactions. The sample consists of European banks observed from 2004 to 2015

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Fan, Bohan. "Research on the Marketing Strategy of Banking and Finance Business Given Big Data Technology." SHS Web of Conferences 154 (2023): 02018. http://dx.doi.org/10.1051/shsconf/202315402018.

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Individuals’ consumption patterns and financial demands are changing significantly as a result of the quick advancement of modern information technology and the integration of financial technology into everyday life, which has negative effects on and presents challenges for banks’ traditional retail operations. The competition among Chinese commercial banks in the retail sector is getting more and more intense due to the country’s rapid economic expansion and increase in household wealth. In order to improve its core competitiveness, maximise its retail business marketing strategy, and investi

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PUNDKAR, NAMRATA SHESHRAO, and PROF RAMESHWARI AKOLKAR. "RETAIL BANKING SERVICES IN GP PARSIK SAHAKARI BANK LTD." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (2024): 1–13. http://dx.doi.org/10.55041/ijsrem27937.

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Retail banking services in a GP Parsik Sahakari Bank Ltd executed transactions directly with consumers, rather than corporations or other banks. Services offered include saving and transactional accounts, mortgages, personal loan, debit cards and credit cards. The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may be used to refer to a division of a bank dealing with retail customers and can also be termed as personal banking services. The bank has worked to acquire advanced banking technology and a highly quali

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Omarini, Anna. "The Retail Bank of Tomorrow: A Platform for Interactions and Financial Services. Conceptual and Managerial Challenges." Research in Economics and Management 3, no. 2 (2018): 110. http://dx.doi.org/10.22158/rem.v3n2p110.

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<p><em>Banking without boundaries will grow in the future, most of this because of digital business transformation. </em><em>Banks need to re-interpret their business and look for a different managerial approach. </em><em>A bright future for retail banks will depend above all on taking today the right actions for a long profitability, which are based on developing and reinforcing customer trust. </em><em>The current account is the hook service for a bank to defend and reinforce from the competition, because it is the bank’s platform for entering

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Bhole, Dr.R.V. "Corporate Governance in Axis Bank Limited." Journal of Research & Development 16, no. 7 (2024): 60–63. https://doi.org/10.5281/zenodo.11910291.

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Abstract:                             Axis Bank Ltd. Provides corporate and retail banking products and services. The company’s products include saving accounts; fixed deposits, recurring deposits; home loans, car loans, personal loan, and loans against shares, property and security; credit cards, debit cards and prepaid cards; forex, investments in mutual fund, demat account, online trading; insurance in health, home, travel, life and other services of prepaid mobile charging, online shopping, locker and e-statem

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Protas, Nina G., Elena P. Shustova, Dar'ya Yu Iordan, and Aleksandr R. Shaptala. "Functioning of the Russian banking services market in 2022. Retail: trends and prospects." Siberian Financial School, no. 1 (August 1, 2023): 50–56. http://dx.doi.org/10.34020/1993-4386-2023-1-50-56.

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The article discusses the impact of sanctions on the Russian banking services market: on the payment banking business, the real state of bank deposits of individuals and retail bank lending, also determines the directions for the development of sales channels for banking services. The authors attempted to reveal the main trends in the development of alternative channels for the sale of banking services by Russian banks, instead of service offices, also gave recommendations to commercial banks on improving the functionality of digital sales channels.

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Bamber, Linda Smith, and K. E. Hughes. "Activity-Based Costing in the Service Sector: The Buckeye National Bank." Issues in Accounting Education 16, no. 3 (2001): 381–408. http://dx.doi.org/10.2308/iace.2001.16.3.381.

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The U.S. Bureau of the Census projects that by 2006, the service sector will employ 74 percent of the workforce. This case illustrates why a major segment of the service sector—banks—needs accurate cost information to make strategic decisions, and how more refined accounting systems help fulfill this need. Buckeye National Bank is a hypothetical bank that has suffered falling profits despite a shift in customer base toward retail customers, which the current information system reports are more profitable than business customers. Following a step-by-step approach, you will develop the Bank's av

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Wu, Yusen. "Machine Learning Approaches for Retail Bank Marketing Practice." BCP Business & Management 23 (August 4, 2022): 931–37. http://dx.doi.org/10.54691/bcpbm.v23i.1475.

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The retail business is usually one of the most essential bank divisions that directly handles personal customers. As restrictions for COVID-19 are gradually phasing out globally, the market share of retail banking is also rapidly growing, which made improving current bank marketing practices necessary. However, most banks lack an objective and reliable approach to locating target customers. Meanwhile, they also need affordable and efficient ways to process the massive data generated in information systems to predict the purchase intent of their client. This paper introduced two machine learnin

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Abel, Edivaldo, and Kepha O. Pondi. "A Framework of Customer Service Training Competencies for Proactive Business Recovery in a Post-COVID Era: A Case Study." June 2024 5, no. 1 (2024): 120–32. http://dx.doi.org/10.56893/pajes2024v05i01.10.

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Abstract Customer service is a core competitive edge in any service industry, including the retail banking sector. However, retail bank customers, especially in Angola, often complained of standing in long queues waiting to be served and difficulty handling technology while transitioning to online banking. This qualitative single-case study used competency-based theory to develop a framework for the customer service training competencies of a selected retail bank in Angola. Purposeful sampling was employed to select eight participants, including bank employees and customers who voluntarily par

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Skiera, Bernd. "Data Analysis Trumps Specialist Advice: How Direct Banks Function." GfK Marketing Intelligence Review 8, no. 2 (2016): 50–55. http://dx.doi.org/10.1515/gfkmir-2016-0016.

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Abstract Low interest rates and sluggish economic growth are not exactly ideal conditions for the financial services industry. Almost daily we are confronted with reports of inadequate capital bases, declining earnings, and layoffs at banks. But while many traditional retail banks are struggling with a business downturn, the direct bank market is enjoying steady and respectable growth despite a challenging environment. Dr. Schmidberger, Fully Authorized Representative at ING-DiBa Germany, offers us a glimpse behind the curtains of this direct bank. We will learn how data technology is used so

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Mohammad Obeid Gharaibeh, Ahmad, and Mohammad Omar Farooq. "Determinants of bank lending rates: Empirical evidence from conventional retail banks in Bahrain." Banks and Bank Systems 17, no. 4 (2022): 140–53. http://dx.doi.org/10.21511/bbs.17(4).2022.12.

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The study attempts to identify the determinants of lending rates in the Kingdom of Bahrain. It examines the impact of certain macroeconomic and banks’ aggregate data variables on the level of interest rates on loans charged by Bahraini conventional retail banks using quarterly data for the period from the 4th quarter of 2012 to the 4th quarter of 2021. The study tests the impact of a consumer price index (CPI), GDP growth rates, loan-to-total assets (loan ratio), liquid assets as a proportion of total assets (liquidity position), personal lending rate, loan-to-deposit ratio, money supply (M2)

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Miersch, Enrico, and Nils Schäfer. "Every Cloud has a Silver Lining: On the Relation between Bank-Affiliated Asset Manager Bias and Mutual Fund Fees." Credit and Capital Markets – Kredit und Kapital: Volume 54, Issue 1 54, no. 1 (2021): 79–116. http://dx.doi.org/10.3790/ccm.54.1.79.

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Considering the institutional factors of the German mutual fund market, we analyze equity fund holdings of German retail clients who received financial advice between 2005 and 2014 to investigate whether those investors overweight the bank-affiliated asset manager and if so, whether this bank-affiliated asset manager bias leads to higher fees, i. e. Total Expense Ratios. Our analysis clearly indicates the presence of large bank-affiliated asset management biases for clients of all different banking sectors. Thus, German retail clients follow the biased financial advice they receive from their

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Fajri, Mohammad Zen Nasrudin, Adamu Abubakar Muhammad, Khoirul Umam, Lila Prisilia Putri, and Mohammad Ali Ramadhan. "The Effect Covid-19 and Sectoral Financing on Islamic Bank Profitability in Indonesia." Journal of Islamic Economic Laws 5, no. 1 (2022): 38–60. http://dx.doi.org/10.23917/jisel.v5i1.17181.

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COVID-19 pandemic has created a new economic crisis worldwide. Islamic Bank which was reportedly resilient against the financial crisis is expected to be stable in this period. Apart from that, Islamic Bank has channeled financing fund to various business sectors with different portions leading to a question whether they have different impact on Bank. This paper aims to discover the impact of COVID-19 pandemic and financing to business sectors on Islamic Bank profitability. An ARDL approach is employed for analysis. The result of the study shows that COVID-19 pandemic has a negative relationsh

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Mostofa, Jaman Shourov, Rahman Talukder Abidur, and Lutfor Rahman Md. "Customers Satisfaction on the Retail Banking Sector in Bangladesh: A Case Study in City Bank Limited." International Journal of Engineering and Management Research 8, no. 5 (2018): 151–55. https://doi.org/10.31033/ijemr.8.5.18.

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Nowadays competition among company to the company very serves, but most of the companies present nearly the same product or service with their competitors. To comprehend from competitors a firm need or offer superior services. Customer satisfaction is now one of the important key factors in the business sector. When it comes to banking sector customer satisfaction level is differentiated to one bank to another, thus measuring customer satisfaction is awfully important. without satisfied customers, the bank cannot exist. This work focus on the customer satisfaction in the retail bank on city ba

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Saha, Asish, Yusnidah Ibrahim, and Siew Goh Yeok. "Benchmarking Efficiency of Bank Branches: A Case Study of Bintan Bank in Malaysia." Asian Case Research Journal 22, no. 02 (2018): 239–54. http://dx.doi.org/10.1142/s0218927518500104.

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Bintan Bank, a mid-sized banking group in the country was trying to evolve a more robust approach to benchmarking the performance of its retail branches. The ratio analysis framework adopted by the Bank in the said exercise was not able to provide a holistic view of branch performance and assist the Bank in setting business targets for its individual branches while finalizing its Business Plan. The Bank invited academic experts to guide the Bank in the benchmarking exercise. Experts worked with the Bank in evolving a comprehensive approach to benchmark branch performance using Data Envelopment

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Holmlund, Maria, Tore Strandvik, and Ilkka Lähteenmäki. "Digitalization challenging institutional logics." Journal of Service Theory and Practice 27, no. 1 (2017): 219–36. http://dx.doi.org/10.1108/jstp-12-2015-0256.

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Purpose The purpose of this paper is to explore the mental models of top executive team members in a selected retail bank. The focus is on how each executive team member makes sense of the market situation and changes with regard to customers and customer-bank interactions in the current situation where earlier bank practices are at risk of becoming obsolete. Design/methodology/approach All members in the executive team were interviewed individually in August 2014 on how they reason about challenges in the service business. The study uses an abductive research approach. Findings The mental mod

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Craig, Ben R., and Valeriya Dinger. "The Duration of Bank Retail Interest Rates." International Journal of the Economics of Business 21, no. 2 (2014): 191–207. http://dx.doi.org/10.1080/13571516.2014.909173.

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Vega, Milton, Elmer Sánchez, and Arturo Andía. "Design and implementation of Peru’s retail central bank digital currency pilot." Journal of Payments Strategy & Systems 19, no. 2 (2025): 154. https://doi.org/10.69554/fuve7616.

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This paper discusses the Central Reserve Bank of Peru’s (BCRP)’s central bank digital currency (CBDC) pilot programme, which set out to test and evaluate retail CBDC as an instrument to promote the adoption and use of digital payments, particularly in areas of low financial inclusion. The paper shows how the BCRP developed a phased approach — encompassing research and assumption testing, with technical assistance from the International Monetary Fund. The design of the pilot is based on a hybrid model where the private sector provides user-facing services while the central bank ensures issuance

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Parihar, Mr Jayesh, and Prof Megha Bhogawar. "Review Paper- Reverse Mortgage in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (2024): 1–10. http://dx.doi.org/10.55041/ijsrem27949.

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In today's fast paced business environment, banks operating in retail space require a change resilient vertically integrated value chain for delivering the most competitive product and services. This need is redefining the boundaries of a bank's value chain creating greater thrust for the value add, right from the lowest end of the delivery channels. In the loans and advances product space, this requires an integration strategy right from sourcing, evaluating and servicing to collections, recoveries and written-off management. This project elaborate the delivery capability of bank, operating l

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Фаизова, Гузель, Guzel Faizova, Анна Силаева, and Anna Silaeva. "Systematic approach to the development of retail banking based on correlation-regression analysis." Services in Russia and abroad 8, no. 9 (2014): 46–55. http://dx.doi.org/10.12737/10795.

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The crisis of financial globalization increases uncertainty, contributes to the emergence of new risks, so the strategy of development banks in the Russian regions, focused on domestic resources, should be formed on the basis of pre-calculable scenarios of socio-economic development for certain conditions. In banking activities are widely used various models based on the mathematical apparatus. The study shows the absence of works using econometric techniques to develop a methodical approach to the development of the retail banking business. The aim of the study is to assess the relationship b

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Ioannou, Myria, and Judy Zolkiewski. "Can retail bank‐client relationships be developed online?" EuroMed Journal of Business 4, no. 3 (2009): 254–69. http://dx.doi.org/10.1108/14502190910992684.

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Ahmed, Jashim Uddin, and Asma Ahmed. "Agrani Doer Banking: Agent Banking Business in Bangladesh." Business Perspectives and Research 6, no. 2 (2018): 154–64. http://dx.doi.org/10.1177/2278533718765532.

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Agent banking involves the provision of banking services through non-conventional means such as retail outlets with the use of technology. In developing countries, such as Bangladesh, agent banking acts as a medium between the rural unbanked majorities and banking services that they would otherwise not have access to. The case analyzes how innovation in the banking sector can aid poor people to gain access to financial institutions through the Agrani Doer banking business model. It elaborates on the rules and regulations of agent banking and how the first state bank of Bangladesh, Agrani Bank,

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Abdullah, Mazni Asrida, Azlina Ahmad, Nor Azam Mat Nayan, Zubir Azhar, and Abd-Razak Ahmad. "Credit Risk Assessment Models of Retail Microfinancing: The Case of a Malaysian National Savings Bank’s Branch." International Journal of Financial Research 11, no. 3 (2020): 73. http://dx.doi.org/10.5430/ijfr.v11n3p73.

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Internal ratings have been used by banks to evaluate the creditworthiness of their borrowers with diverse practices. This research aims to analyse the practice of assessing (or predicting) the credit performance of microfinancing loans of a Malaysian bank and to suggest how the existing performance of credit assessment model can be improved. Logistic regression was used to investigate the predictive ability of information on business operators’ management and accounting skills as factors to predict default risk of borrowers. The combination of these information formed the three (3) models that

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Ermolenko, O. M. "THE VECTOR OF DEVELOPMENT OF THE MARKET OF BANK CARDS AT THE PRESENT STAGE." Scientific bulletin of the Southern Institute of Management, no. 2 (June 30, 2016): 28–33. http://dx.doi.org/10.31775/2305-3100-2016-2-28-33.

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In the process of activation calculations there is a rapid development of payment systems adapted to the realities of the Russian economy. Plastic cards are popular and convenient tools of calculations, therefore prospects of development of retail payments market without the participation of plastic cards will not be considered. The article presents data that define the level of development of the market of retail payments by using plastic cards and considered the main prospects for further development of this business, which is important overlaps with the adaptation of the Russian payment sys

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de Wet, Milan Christian, and Milan Heckroodt van Wyk. "The Connectivity Between Content Elements and SDGs in the South African Banking Industry." Sustainability 17, no. 6 (2025): 2572. https://doi.org/10.3390/su17062572.

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Integrated thinking and connectivity have recently attracted particular attention in sustainability reporting. A firm’s reporting on its Environmental, Social, and Governance (ESG) practices should be connected to the other business functions to optimize the ESG information provided through integrated reports. Academic research on the connectivity between ESG information and other business functions is limited. Hence, the main aim of this study is to analyze and characterize the reporting connectivity between the Sustainable Development Goals (SDGs) and other business functions of South Africa

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Liu, Ming-Hua, Dimitris Margaritis, and Zhuo Qiao. "The Global Financial Crisis and Retail Interest Rate Pass-Through in Australia." Review of Pacific Basin Financial Markets and Policies 19, no. 04 (2016): 1650026. http://dx.doi.org/10.1142/s0219091516500260.

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In this paper, we examine the impact of the global financial crisis (GFC) on the interest rate pass-through for four types of loans in Australia: mortgages, residentially secured small business lending, nonsecured small business lending and personal loans. Australia is an interesting case study since its central bank lowered but also raised interest rates during the GFC. We find that after the onset of the crisis, there has been a shift in the way banks adjust their lending rates in response to changes in market interest rates; the markup has increased and there has been a drop in both short-

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CAVA, PATRICIA BENITES, ALEXANDRE PEREIRA SALGADO JUNIOR, and ADRIEL MARTINS DE FREITAS BRANCO. "EVALUATION OF BANK EFFICIENCY IN BRAZIL: A DEA APPROACH." RAM. Revista de Administração Mackenzie 17, no. 4 (2016): 62–84. http://dx.doi.org/10.1590/1678-69712016/administracao.v17n4p61-83.

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ABSTRACT Purpose: The research aims to evaluate the efficiency of banks that operated in the Brazilian market in 2013. To achieve this goal, efficient banks were identified according to the production approach. To detect and explain efficiency standards, additional analyses were carried out related to: 1. capital origin, 2. size, 3. business segment, and 4. risk rating. Originality/gap/relevance/implications: The Brazilian literature on bank efficiency features several studies linking the efficiency of banks to capital origin and size. However, the relationship between efficiency and business

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Batiz-Lazo, Bernardo, and Gustavo A. Del Angel. "The Ascent of Plastic Money: International Adoption of the Bank Credit Card, 1950–1975." Business History Review 92, no. 3 (2018): 509–33. http://dx.doi.org/10.1017/s0007680518000752.

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This article studies the genesis and early international expansion of the bank-issued credit card—an American innovation that quickly took hold in western Europe. Empirical evidence undermines the proposition of a single firm building a proprietary network. In fact, it was a constellation of participants that combined three characteristics, namely, a critical mass of both retail customers and retail merchants; the capacity to implement new technological solutions; and the ability to forge resilient collaborations across national borders. The evidence supports the value of collaboration in reta

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Kaukuntla, Preetham Reddy. "Analyzing the Impact of Economic Events on Customer Spending and Loan Behavior in Retail Banking: A Time-Series Forecasting and Regression Approach." International Journal of Multidisciplinary Research and Growth Evaluation 1, no. 1 (2020): 168–72. https://doi.org/10.54660/.ijmrge.2020.1.1.168-172.

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This research investigates whether economic events have an impact on expenditure and loan behavior among customers through time-series forecasting and regression analysis in the retail banking business. Based on economic data, including inflation rates and unemployment rates, as well as interest rate changes, the influence of such events on consumer behavior regarding finance, especially towards spending patterns and loan acquisition is analyzed. A time-series model is applied to forecast the future actions of customers using past economic situations, while regression analysis studies how econ

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Lu, Guangyu. "Research on Digital Transformation Development Strategy of GX Branch of China Construction Bank." Frontiers in Business, Economics and Management 8, no. 2 (2023): 207–12. http://dx.doi.org/10.54097/fbem.v8i2.7150.

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Banking is the main body of modern finance and the hub of national economy. At the same time, the digital innovation boom also provides new development ideas and opportunities for the traditional financial industry. Digitalization not only brings new vitality to commercial banks, but also has an unprecedented impact on them. How to actively cope with the impact of digitalization on commercial banks and smoothly carry out digital transformation has become an urgent problem for all commercial banks to face. On the basis of summarizing the characteristics of digital development and the research r

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Lu, Guangyu. "Research on Digital Transformation Development Strategy of GX Branch of China Construction Bank." Frontiers in Business, Economics and Management 8, no. 2 (2023): 207–12. http://dx.doi.org/10.54097/fbem.v8i2.7151.

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Banking is the main body of modern finance and the hub of national economy. At the same time, the digital innovation boom also provides new development ideas and opportunities for the traditional financial industry. Digitalization not only brings new vitality to commercial banks, but also has an unprecedented impact on them. How to actively cope with the impact of digitalization on commercial banks and smoothly carry out digital transformation has become an urgent problem for all commercial banks to face. On the basis of summarizing the characteristics of digital development and the research r

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Subrata, Jana. "Some Issues on FDI in Retail Sector in India." RESEARCH REVIEW International Journal of Multidisciplinary 3, no. 12 (2018): 342–44. https://doi.org/10.5281/zenodo.2455911.

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In the era of globalization, Foreign Direct Investment (FDI) plays a vital role in the economy of any country. Large consumer market, cheap and sufficient human force, increasing improvement of infrastructure facilities are some of the important factors that attracts the foreign business giants to invest in India. India is also one of the few markets in the world which offers high prospects for growth and earning potential practically in all areas of business (World Bank, 2004; OECD, 1999). Retail Sector in India is one of the fast growing sectors with huge growth potential. FDI in retail sect

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Dr., Talluri Sreekrishna, and Ramesh Babu Karlapudi. "Study on Views of Customers on Retail Banking Products of Banking Industry in Krishna District, A.P." International Journal of Trend in Scientific Research and Development 1, no. 6 (2017): 277–82. https://doi.org/10.31142/ijtsrd2516.

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Savings and investments are the most important ingredients of capital formation for an economy therefore, the promotion of domestic savings is a must to boost the process of capital formation and development. The commercial banks are in the nature of a catalyst, converting savings into capital for productive investment. It is needless to say that capital formation largely depends on the effectiveness of these institutions. Thus, the commercial banks play stupendous role in converting potential investments into real and can make a significant contribution in eradicating poverty, unemployment an

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Kumar, Dinesh. "Reducing Competitive Risk in Indian Banks through Business Intelligence." International Journal of Risk and Contingency Management 2, no. 3 (2013): 37–48. http://dx.doi.org/10.4018/ijrcm.2013070103.

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Business Intelligence (BI) uses information technology software, in particular Extensible Markup Language (XML), to provide competitive information in support of competitive risk analysis for executive decision making. Research in the Indian banking industry indicated that BI data suffered from time lag, poor quality, lack of customer-specific data, and improper classification of data. Furthermore, after 1995 there was retail boom in India, which increased the number of banking clients, followed by the use of virtual banking through the Internet, thus increasing the number of transactions. The

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Popović Šević, Nevenka, Milica Sljiepčević, and Aleksandar Šević. "STRENGTHENING E-SERVICES AS A NEW IDENTITY PARADIGM IN SERBIAN RETAIL BANKING DURING COVID-19." Limes-plus 18 (April 18, 2021): 97–122. http://dx.doi.org/10.69899/limes-plus21181097p.

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The retail banking sector has been significantly affected by the onset of the COVID-19 pandemic in the first quarter of 2020. Banks’ share prices have sunk and to demonstrate their business acumen and resilience, it is necessary to offer an alternative to customers who do not want to visit retail branches. In our questionnaire distributed to retail banking users in the Summer of 2020 we examined the attitude towards branch banking and e-banking, respectively. We find that during the COVID-19 pandemic, customers were less willing to use branches, but the visits were not completely interrupted.

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Subbulakshmi, K. "A Study on Impact of E-Commerce on Banking Sector with Reference to HDFC." ComFin Research 10, S1-Jan (2022): 17–19. http://dx.doi.org/10.34293/commerce.v10is1-jan.4751.

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Now days, E-Commerce is the major resource with the help of Internet facilities. E-commerce provides the facility to buy and sell the products and services or transfer the funds or the data. These business deals do eitheras Business-to- Business, Business-to- Client, consumer-to-Consumer. HDFC net Banking allows you to perform a wide range of sale from anywhere, any time. With the help of digital banking there is no need to visit the bank for any transactions. E-banking is the operation of E-Commerce used by bank clients for the purpose of Electronic Data Interchange, Fund transfer and E-mail

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Gil-Bazo, Javier, Peter Hoffmann, and Sergio Mayordomo. "Mutual Funding." Review of Financial Studies 33, no. 10 (2019): 4883–915. http://dx.doi.org/10.1093/rfs/hhz111.

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Abstract Using data on Spanish mutual funds, we show that bank-affiliated funds provide funding support to their parent company via purchases of bonds in the primary market. Support from affiliated funds is more sizeable in crisis times and for riskier banks. These trades generate negative abnormal returns and thus benefit banks at the expense of fund investors. To minimize negative effects on their asset management business, banks concentrate the burden of funding support in funds without performance fees and those catering to retail investors. We provide evidence consistent with funding supp

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Birch, David, and Kirsty Rutter. "Digital banking in the artificial intelligence era: Strategies for serving nonhuman customers." Journal of Digital Banking 10, no. 1 (2025): 6. https://doi.org/10.69554/xenu2736.

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The revolution in retail financial services comes not when banks are using artificial intelligence (AI) to provide services to customers but when customers use AI to assess offers from financial institutions. Those customers will have access to AI as powerful as the banks themselves have, because ‘Big Tech’ will give it to them. For most people, most of the time, in the not-too-distant future, their financial decisions, transactions and analysis will be performed by ‘bots’ operating under relevant duty of care legislation, with the coordinated goal of delivering financial health. The transitio

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Kryvych, Yana, and Tetiana Goncharenko. "Banking strategic management and business model: bibliometric analysis." Financial Markets, Institutions and Risks 4, no. 1 (2020): 76–85. http://dx.doi.org/10.21272/fmir.4(1).76-85.2020.

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The article is devoted to the analysis of tendencies and research of approaches to the definition of strategic management of the bank in the scientific literature, to the identification of future perspective directions of research of this problem. VOSviewer software was used for bibliometric analysis, the object of the study was 5901 articles in scientific journals indexed by Scopus and Web of Science scientific databases, the study period was the time interval from 1991 to 2019. The article substantiates that in 2007-2009 the focus of the study has shifted from general strategic management is

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