Academic literature on the topic 'Banking access'

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Journal articles on the topic "Banking access"

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P. Adirinekso, Gidion. "AKSES USAHA MIKRO KECIL DAN MENENGAH KE PERBANKAN DI KABUPATEN GUNUNG KIDUL DAN SLEMAN." Jurnal Riset Manajemen dan Bisnis 6, no. 1 (2011): 1. http://dx.doi.org/10.21460/jrmb.2011.61.68.

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Many survei and research found that Micro, small and medium entreprizes, have some difficulties to access banking sector for a credit. Many constraints to the banking sector can be devided into two categories, first is financial factors and the other is non financial factors.Using logistic regression with 200 respondents, this paper want to identify key factors to access the bank. It found that financial factors did not cause their probability to acces the bank increasingly. But, non financial factor, that is their experiences to have relation withtheir supplier, was caused their probability t
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C, Senthilkumar. "Customer Usages towards E-Banking." Shanlax International Journal of Commerce 6, S1 (2018): 142–47. https://doi.org/10.5281/zenodo.1419422.

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E-Banking is electronic banking which is used by the customer to access transactions electronically through the internet. It is a product designed for online banking that enables customers to have easy and safe access to their bank account. With this service customers save their time by carrying out banking transactions at any place and at any time, from their home or office, all their need is internet access. This study shows a result of e-banking usages of the customers. A hundred respondents are selected to interpret this present study.
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SHEVCHENKO, Volodymyr. "DIDGITALIZATION AND INTERNATIONAL ACCESS TO FINANCE." Management 38, no. 2 (2024): 151–56. http://dx.doi.org/10.30857/2415-3206.2023.2.12.

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INTRODUCTION. The rapid development of information technologies in recent years has resulted in the digitalization of the economy and society. This transformation has led to the emergence of the digital economy, which is characterized by the production of goods and services derived primarily from digital technologies. This shift towards digitalization has had a significant impact on various aspects of the economy, including access to finance, small business development, and innovation. In particular, the banking sector has undergone significant changes as traditional financial institutions emb
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Dey, Soma, and Sacchidanand Majumder. "Identifying factors that influence access to banking services in Bangladesh: A household level analysis." Bangladesh Journal of Scientific Research 30, no. 1-2 (2018): 81–89. http://dx.doi.org/10.3329/bjsr.v30i1-2.36122.

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This study, employing a logistic regression model seeks to identify the important factors that influence household’s access to banking services. The result shows that about 31.7% households have bank account while the remaining 68.3% households have no such account. The result found that with the increase in age of household’s head access to banking services increased gradually. As observed, female headed household have greater access to banking services as compared to male headed household. More so, formerly/ever married headed households have less access to banking services by comparison wit
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Alvarez, R., and R. A. Lopez. "Access to banking finance and exporting." Industrial and Corporate Change 23, no. 6 (2014): 1523–39. http://dx.doi.org/10.1093/icc/dtu031.

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R, Tiffany, and Sangeetha V. "A Study on Consumer Awareness And Usage of E-Banking Transactions through Mobile Phones in Thoothukudi." Shanlax International Journal of Commerce 6, S1 (2018): 151–57. https://doi.org/10.5281/zenodo.1461468.

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Internet Banking enables anytime access to the customer to give the customer's anytime access to their banks. Customers could check out their account details, get their bank statements, perform transactions like transferring money to other accounts and pay other bills sitting in the comfort of their homes and offices. uirement of the PC with an internet connection. Mobile Banking addresses the fundamental limitation of internet banking, as it reduces the customer requirement to just a mobile phone. Mobile usage has seen explosive growth in most of the Asian&nb
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S, Samadharshini, and Manoj Kumar M. "A Study on the Impact Level of E-Banking on Financial Inclusion in IOB." International Scientific Journal of Engineering and Management 04, no. 03 (2025): 1–7. https://doi.org/10.55041/isjem02507.

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Digital banking has revolutionized financial access in India, especially for individuals previously excluded from traditional banking. This study examines the impact of digital banking on financial inclusion at Indian Overseas Bank (IOB), focusing on services like online banking, mobile banking, ATMs, and UPI transactions. The research measures financial inclusion through account ownership, transaction frequency, loan availability, and ease of service access. While digital banking improves convenience and accessibility, challenges such as low digital literacy and technological barriers persist
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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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Agyeman, George Aboagye, Dennis Owusu Amofah, and Joy Tenkoran Manteaw. "A Comparative Study between the Traditional Banking and Mobile Phone Banking." Growth 3, no. 1 (2016): 1–6. http://dx.doi.org/10.20448/journal.511/2016.3.1/511.1.1.6.

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Mobile phone banking is a new system of banking in the country and as such most of the network operators are now engaging and using it. Mobile phone banking is banking using mobile phone devices to transact businesses in the country. Today the internet is considered a mature medium, despite its relative newcomer status. The internet is more accessible to more people globally than any other medium except television. Most people now access the internet in Ghana than previously and due to this some firms are embarking on e-marketing to compete in the world. Now people can access the internet at a
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Sam Orji. "Designing AI driven compliance frameworks to expand digital banking access in underserved US Communities." International Journal of Science and Research Archive 13, no. 2 (2024): 3120–23. https://doi.org/10.30574/ijsra.2024.13.2.2494.

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Expanding digital banking access in underserved communities is vital to financial inclusion in the United States. However, regulatory compliance challenges and a lack of tailored banking solutions hinder progress. This paper explores the integration of Artificial Intelligence (AI) to create dynamic compliance frameworks that facilitate broader access to digital banking. AI can not only streamline regulatory adherence but also personalize banking services, fostering trust and reducing barriers for underserved populations. By combining AI capabilities with robust compliance measures, financial i
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Dissertations / Theses on the topic "Banking access"

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Maruatona, Omaru. "Internet banking fraud detection using prudent analysis." Thesis, University of Ballarat, 2013. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/59631.

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The threat posed by cybercrime to individuals, banks and other online financial service providers is real and serious. Through phishing, unsuspecting victims’ Internet banking usernames and passwords are stolen and their accounts robbed. In addressing this issue, commercial banks and other financial institutions use a generically similar approach in their Internet banking fraud detection systems. This common approach involves the use of a rule-based system combined with an Artificial Neural Network (ANN). The approach used by commercial banks has limitations that affect their efficiency in cur
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Black, Paul. "Techniques for the reverse engineering of banking malware." Thesis, Federation University of Australia, 2020. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/175276.

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Malware attacks are a significant and frequently reported problem, adversely affecting the productivity of organisations and governments worldwide. The well-documented consequences of malware attacks include financial loss, data loss, reputation damage, infrastructure damage, theft of intellectual property, compromise of commercial negotiations, and national security risks. Mitiga-tion activities involve a significant amount of manual analysis. Therefore, there is a need for automated techniques for malware analysis to identify malicious behaviours. Research into automated techniques for malware a
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Li, Sofia, Patrik Ekberg, and Gentiana Morina. "Online banking access system : Principles behind choices and further development, seen from a managerial perspective." Thesis, Jönköping University, JIBS, Business Informatics, 2007. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-984.

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<p>Online banking is a young way for banks to reach new and old customers. The concept has emerged over the last decade from being not very utilized to become a major channel for the bigger banks in Sweden but also in the world. This thesis will present a study of what principles the four major Swedish banks have based their decision on when choosing what type of online access system to use. Furthermore try to present what the future principles might be toward online banking access systems. This might also show how new systems might look like and what the banks strives to achieve when making t
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Lee, Sunglyong. "Firm access to capital markets in Europe." Diss., Columbia, Mo. : University of Missouri-Columbia, 2007. http://hdl.handle.net/10355/4711.

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Thesis (Ph. D.)--University of Missouri-Columbia, 2007.<br>The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file. Title from title screen of research.pdf file (viewed on September 27, 2007) Vita. Includes bibliographical references.
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Wu, Tong Caudill Steven B. "Is there a gap of banking efficiency between access and non-accession countries in central and eastern Europe." Auburn, Ala., 2006. http://repo.lib.auburn.edu/2006%20Summer/Theses/WU_TONG_10.pdf.

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Haq, Ikram. "Fraud detection for online banking for scalable and distributed data." Thesis, Federation University Australia, 2020. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/171977.

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Online fraud causes billions of dollars in losses for banks. Therefore, online banking fraud detection is an important field of study. However, there are many challenges in conducting research in fraud detection. One of the constraints is due to unavailability of bank datasets for research or the required characteristics of the attributes of the data are not available. Numeric data usually provides better performance for machine learning algorithms. Most transaction data however have categorical, or nominal features as well. Moreover, some platforms such as Apache Spark only recognizes numeric
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Xu, Dan. "Analysis of mobile banking malware on the Android operating system." Thesis, Federation University Australia, 2017. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/162600.

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The Android platform is the fastest growing smartphone operating system to date. Consequently, malware on Android OS has been increasing at an alarming rate. Similar to Windows-based malware, Android malware also have different families which are responsible for different malicious activities. In this thesis, we focused on one particular group of Android malware which is designed to target banks and financial institutions. These banking malware use different techniques to attack bank clients and banking servers. A coherent framework to analyse the behaviour of these malware needs to be develop
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Kroukamp, Thelma. "Facilitating banking finance access for BBBEE firms in the Southern Cape area." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/996.

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Studies have shown that BBBEE parties are unsuccessful in raising banking finance due to a number of reasons. The objective of the enactment of the Broad Based Black Economic Empowerment (BBBEE) Act is primarily to promote the participation of black people in the economy. The measurement of BBBEE is determined by the codes of good practice for Qualifying Small Enterprises (QSE), which consists of seven elements namely: ownership, management control, employment equity, skills development, preferential procurement, enterprise development and socio-economic development. Enterprises with annual tu
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Du, Jun. "Essays on banking efficiency, access to finance and firm performance in China." Thesis, University of Leicester, 2007. http://hdl.handle.net/2381/30151.

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This thesis aims to contribute to the under-researched area of China's financial system and its role of fostering firm growth. This is achieved by investigating three aspects of the efficiency of the Chinese financial system. The first aspect focuses on the suppliers of financial resources (i.e. banks) and examines the cost efficiency and productivity growth of the Chinese banking industry. The second aspect considers the recipients of finance---manufacturing firms, and investigates how source of finance in firm's capital structure affects its growth performance. The third aspect concentrates
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Schwenke, Freddie. "Access channels for mobile banking applications : a comparative study based on characteristics." Thesis, Cape Peninsula University of Technology, 2009. http://hdl.handle.net/20.500.11838/1383.

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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009<br>The objective of this research project was to provide an answer to the question: 'Which access channel is the most appropriate for mobile applications?' This question is posed by providers of mobile banking services and providers of mobile banking applications alike.
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Books on the topic "Banking access"

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Lu, Qian. From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6.

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Feijen, Erik. Do incumbents manipulate access to finance during banking crises? World Bank, 2005.

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Chakravorti, Sujit. Universal access, cost recovery, and payment services. Federal Reserve Bank of Chicago, 2005.

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Essinger, James. Computer security in banking: Preventing computer fraud. Euromoney Books, 1990.

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Carpenter, Keith. Global customer access at Chase Manhattan. Information Management Forum, 1999.

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Beck, Thorsten. Bank competition, financing obstacles, and access to credit. World Bank, 2003.

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Organisation for Economic Co-operation and Development. Committee on Fiscal Affairs., ed. Improving access to bank information for tax purposes. Organisation for Economic Co-operation and Development, 2000.

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Squires, Gregory D. Access to capital: Milwaukee's continuing small business lending gap. Woodstock Institute, 2001.

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United States. National Credit Union Administration, ed. Access Across America: Creating economic empowerment for all walks of life. National Credit Union Administration, 2002.

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Wallner, George R. Networking cookbook for network access controllers: A guide to data networking in financial institutions. 4th ed. Hypercom, 1992.

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Book chapters on the topic "Banking access"

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Lu, Qian. "The History of Partisan Banking." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_2.

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Strumiłło, Krystyna. "Changes in Shaping the Banking Environment." In Universal Access in Human-Computer Interaction. Access to the Human Environment and Culture. Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-20687-5_36.

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Jans, Jan A. "Non-Bank Market Access." In EBI Studies in Banking and Capital Markets Law. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-64338-5_4.

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Lu, Qian. "An Intra-Elite Explanation of Open Access." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_6.

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Lu, Qian. "Was the US Born Modern?" In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_1.

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Lu, Qian. "Empirical Studies on Bankers, Legislators, and Political Parties, 1790–1859." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_3.

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Lu, Qian. "Empirical Studies on Political Connection of Suffolk Legislators, 1790–1859." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_4.

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Lu, Qian. "Empirical Studies on Bankers’ Wealth and Bank Balance Sheets." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_5.

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Lu, Qian. "Conclusion: Democracy, Civil Society, Elites, and Impersonal Rules." In From Partisan Banking to Open Access. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67645-6_7.

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Foà, Daniel. "Open Banking, Access to Account Rule and (Free) Marketability of Banking Data." In Digitalisation, Sustainability, and the Banking and Capital Markets Union. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-17077-5_6.

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Conference papers on the topic "Banking access"

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Bekal, Shruthi K., Jasbir Singh Dhanjal, and Vijay Kumar Pandey. "Facilitating Access to Banking Services with ATM Networks." In 2024 15th International Conference on Computing Communication and Networking Technologies (ICCCNT). IEEE, 2024. http://dx.doi.org/10.1109/icccnt61001.2024.10725709.

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Pradeep, R., Abhilash T P, Pranathi P, K. Akila, Harshamuki R, and Partha Sarathi Mishra. "Implementing Zero Trust Architecture for Securing Financial Transactions in Banking Apps Using Homomorphic Encryption and Advanced Access Control Algorithms." In 2025 3rd International Conference on Communication, Security, and Artificial Intelligence (ICCSAI). IEEE, 2025. https://doi.org/10.1109/iccsai64074.2025.11063966.

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Behbehani, Dawood, Nikos Komninos, Khalid Al-Begain, and Muttukrishnan Rajarajan. "Open Banking API Security: Anomalous Access Behaviour." In 2023 International Conference on Innovations in Intelligent Systems and Applications (INISTA). IEEE, 2023. http://dx.doi.org/10.1109/inista59065.2023.10310517.

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Muniarty, Puji, Aliah Pratiwi, Nurhayati Nurhayati, and Ita Purnama. "The Effectiveness of Branchless Banking on Banking Agents: A Case Study in the City of Bima." In 1st Annual Conference on Education and Social Sciences (ACCESS 2019). Atlantis Press, 2020. http://dx.doi.org/10.2991/assehr.k.200827.102.

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Islam Khan, Burhan Ul, Rashidah F. Olanrewaju, Farhat Anwar, and Mashkuri Yaacob. "Offline OTP Based Solution for Secure Internet Banking Access." In 2018 IEEE Conference on e-Learning, e-Management and e-Services (IC3e). IEEE, 2018. http://dx.doi.org/10.1109/ic3e.2018.8632643.

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R, Balaji V., Sedhu Vikram M, Senthilvel K, and Shri ram S R. "Designing Secure and Efficient Biometric Access Mechanism for Banking Systems." In 2023 5th International Conference on Inventive Research in Computing Applications (ICIRCA). IEEE, 2023. http://dx.doi.org/10.1109/icirca57980.2023.10220875.

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Sujithra, J., C. Balaji, and K. Sri Hari Krishna. "Aadhar Card Based Banking Security System To Protect Unauthorized Access." In 2024 International Conference on Communication, Computing and Internet of Things (IC3IoT). IEEE, 2024. http://dx.doi.org/10.1109/ic3iot60841.2024.10550315.

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Paslari, Andrei, and Ludmila Cobzari. "The neobanks: financial inclusion and digital innovation." In Modern finance from the perspective of sustainability of national economies. International Scientific Conference. Academy of Economic Studies, 2025. https://doi.org/10.53486/mfsne2024.22.

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Neobanks, digital-only banking institutions, are revolutionizing the financial industry by improving access to banking, lowering costs, and advancing technology. They are particularly important for enhancing financial inclusion by providing easy-to-use banking services to unbanked and underbanked populations, especially in less-developed economies. Unlike traditional banks, neobanks utilize cutting-edge technologies like artificial intelligence, blockchain, and data analytics to offer affordable and accessible services. Their focus on digital platforms allows them to reduce operational costs a
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Corrêa Jr., Rivaldo Guedes, and Paulo R. L. Gondim. "Digital Television and Banking Inclusion in Brazil: Alternatives to Access Technologies." In 2009 Third International Conference on Digital Society (ICDS). IEEE, 2009. http://dx.doi.org/10.1109/icds.2009.42.

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CIOBU, STELA, and VICTORIA IORDACHI. "EVALUATION OF COMPETITION IN THE BANKING SECTOR OF THE REPUBLIC OF MOLDOVA IN THE CONDITIONS OF DIGITALIZATION." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.48.

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Technological advancements have significantly transformed the banking landscape, influencing competition and consumer behavior. Researchers explore the impact of innovations such as digital banking, mobile payments, and fintech solutions on the competitive landscape. They assess how banks leverage technology to enhance operational efficiency, customer experience, and product offerings, and examine the implications for market competition. Additionally, the entry of non-traditional players, such as fintech firms and tech giants, into the banking sector is analyzed in terms of its impact on tradi
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Reports on the topic "Banking access"

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Alok, Shashwat, Pulak Ghosh, Nirupama Kulkarni, and Manju Puri. Open Banking and Digital Payments: Implications for Credit Access. National Bureau of Economic Research, 2024. https://doi.org/10.3386/w33259.

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Banco de España, Banco de España. In-person access to banking services in Spain: 2023 Monitoring Report. Banco de España, 2024. http://dx.doi.org/10.53479/35912.

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This paper presents an analysis of recent developments in the accessibility of banking services in Spain, from the perspective of both supply (the in-person access points available) and demand (customer use and assessment). According to the results obtained, the following main conclusions can be drawn: i) The reduction in the number of bank branches between 2021 and 2022 was offset by the establishment of mobile branches in smaller municipalities and financial agents in larger municipalities. ii) Between 2021 and 2022, the number of municipalities without any in-person points of access to bank
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Fee, Kyle D., and Erik S. Tiersten-Nyman. Has Bank Consolidation Changed People’s Access to a Full-Service Bank Branch? Federal Reserve Bank of Cleveland, 2022. http://dx.doi.org/10.26509/frbc-cd-20211006c.

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Consolidation — the combining of banking institutions via mergers and acquisitions — became widespread in the 1980s and continued into the 1990s and 2000s as regulatory changes permitted banks to operate in multiple states and technology enabled banking institutions to provide services at lower costs (Rhoades, 1996; Adams, 2012; Wheelock, 2011). While the benefits of consolidating are clear for an institution, the benefits (and costs) for the consumer are less clear, especially as media headlines often associate consolidation with the closing of bank branches.
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0006548.

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US banks and credit unions are determined to have Latin American immigrants as important and permanent members of their customer base. Community groups, government, and US business interests are aligning through the remittance market to the benefit of Latin American immigrants and their families.
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Bair, Sheila C. Improving Access to the U.S. Banking System Among Recent Latin American Immigrants. Inter-American Development Bank, 2010. http://dx.doi.org/10.18235/0009177.

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Research project on ways to improve Latin American immigrants¿ access to the U.S. banking system focused on access issues related to recent Latin American immigrants and particular attention to best practices in account opening procedures and providing remittance Products. Research also includes an Anti-Money Laundering and Terrorist Financing section on their integral relationship to banks and credit unions¿ ability to successfully serve the Latin American immigrant market.
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Ketterer, Juan Antonio, and Gabriela Andrade. Digital Central Bank Money and the Unbundling of the Banking Function. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0007008.

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Innovations in digital payment technologies and digital currencies suggest that extending access to central bank money (CBM) to firms and individuals is now feasible. This paper focuses on a recent related debate regarding alternative organizational models for the payment system and their implications for the banking industry. One of the main conclusions is that extended access to CBM will likely create a centrifuge force in the financial system that might result in the unbundling of the banking functions.
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Lu, Qian, and John Joseph Wallis. Banks, Politics, and Political Parties: From Partisan Banking to Open Access in Early Massachusetts. National Bureau of Economic Research, 2015. http://dx.doi.org/10.3386/w21572.

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Acharya, Viral, Manasa Gopal, and Sascha Steffen. Fragile Financing? How Corporate Reliance on Shadow Banking Affects their Access to Bank Liquidity. National Bureau of Economic Research, 2025. https://doi.org/10.3386/w33760.

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Fang, Francis, and Razvan Vlaicu. Local Banking Supply and Private Firm Activity: Evidence from Branch Closures. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0013076.

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Private firms establish relationships with banks in local markets to obtain adequate financing for their operations through credit and loans. As major banks reduced their branch networks in recent years, many firms have lost access to their local bank. We evaluate the impact of a large number of branch closures on firm operations, wages and employment, and economic output in Brazil from 2011 to 2021. We adopt a difference-in-differences strategy with staggered treatment timing, employing both two-way fixed effects and Callaway-Sant'Anna estimators. Our study finds that bank branch closures res
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Orozco, Manuel. International Flows of Remittances: Cost, Competition and Financial Access in Latin America and the Caribbean¿toward an Industry Scorecard. Inter-American Development Bank, 2006. http://dx.doi.org/10.18235/0006574.

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This report analyzes current trends in money transfers, paying attention to the gradual decline in costs and some of the factors influencing the decline. The report also highlights the fact that both banking and nonbanking financial institutions, such as microfinance institutions, are increasingly becoming major payers of money in Latin America and the Caribbean.
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