Dissertations / Theses: 'Banking Business Model'

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Wong, Yuk Lan. "Business excellence model for retail banking." Thesis, Sheffield Hallam University, 2000. http://shura.shu.ac.uk/3826/.

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Creating customer value and building stockholder value are the cornerstones for excellence in any business endeavour. In an under-developed economy, financial institutions may accomplish these objectives through a customer focus strategy and implementation of some quality management principles. However, with the increasing accessibility to new technologies and intensified competition, managers have been alerted and become more aware of the fact that achieving excellence is made even more difficult - financial institutions must now do much more to excel in the competitive retail banking environment of the new millennium. It is believed, and the findings of the present work support, that the formulation of a robust improvement model capable of guiding through the whole excellence pursuant process will provide a solid foundation for successfully meeting the challenge. The burning desire to enhance competitiveness and drive for achieving business excellence have nurtured the development of a new Business Excellence Model for successful implementation of TQM in retail banking. It was found that existing TQM and business excellence models provide only prescriptive and indicative roadmaps for companies to follow but fail to provide a complete coverage of TQM concepts, holistic measure of business excellence and validated links between TQM elements and business excellence. Hence, some financial institutions may cast doubts on their applicability of TQM because the relationships between TQM principles and the results of business excellence are not assessed. As such, it should be valuable to develop and provide a model, which is capable of covering the TQM essence in a structured way to drive total quality improvement efforts. The present research aims to develop a theory-driven as well as practical model for retail banks and the retail banking sector to achieve business excellence. In the process, Hong Kong retail banks and the Hong Kong retail banking sector were chosen as the context for the present research to obtain valuable data on how successful implementation of TQM essence could contribute to business excellence in a Chinese society. Both employees and customers inputs, being the important sources of stakeholder information, have been the basis for analysis. Top performing bank's executives were interviewed to identify the core activities and factors that determine their bank's success. Further, data were collected from executives of 47 retail banks in Hong Kong. Structural equation modelling was employed to develop the new Business Excellence Model (BEM). SEM's software programme was employed to analyse the goodness of fit of the new BEM. The forces of excellence indices and business excellence indices of the sampled retail banks were computed using the Partial Least Squares (PLS) technique. The same procedure was also applied to the data collected ll from retail customers in the survey to measure the level of customer satisfaction of the retail banking sector. The indices of the BEM were then matched to the customer satisfaction indices of retail banks and retail banking sector for higher level of analysis. Findings of the present work indicate that the new BEM fits the data of the 47 retail banks very well. The BEM is a valid and reliable model for enabling retail banks to review the current level of practice in relation to their critical success factors continuously. With the new BEM, they can now measure and drive improvement in their critical activities and finally achieving business excellence. Similar results obtained for customer focus dimension of the BEM and the customer satisfaction measurement have further substantiated the robustness and usefulness of the new BEM. Hence, the new Business Excellence Model should be a valuable means for retail banks and the retail banking sector to pursue business excellence and to gain a competitive edge in the new millennium.

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Friderichs, Michael. "The new banking model - digital revolution of the banking sector : the example of Commerzbank AG." Master's thesis, Instituto Superior de Economia e Gestão, 2017. http://hdl.handle.net/10400.5/14489.

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Mestrado em Finanças
Digitalization is one of the most interesting and important topics nowadays in the banking industry. The objective of this internship report is to understand the importance of the Challenges for the banking sector and see the start of the digitalization on the example of the Commerzbank AG. This internship report starts with the description of activities developed during the internship at Commerzbank AG Branch Luxembourg. Going over to a Literature Review which deals with Regulation of the banking sector, current banking business models and further Challenges in the Banking industry. Most interesting in the current Challenges for the banking industry are covered by investing the topics of FinTechs & digital revolution, low interest rate environment & banks profitability and the Overcapacity in the banking sector. Next, applying the topics from the Literature review on Commerzbank AG, by explaining what is the solution and strategy for the current challenges. Finally, an outlook for Commerzbank AG and personal impression from the internship will be narrated.
info:eu-repo/semantics/publishedVersion

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El, Naggar Rasha Abed El Aziz Ismail. "The value of e-banking services in the Egyptian environment : an integrated model." Thesis, University of Hull, 2010. http://hydra.hull.ac.uk/resources/hull:7111.

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Introduction: Driving the introduction of e-banking services in Egypt are structural changes, which have intensified competition across the banking sector. The value (net benefits) of e-banking services to their suppliers lies in their ability to attract new customers and retain those interested in using them. To achieve these objectives, requires an understanding of the value management process in e-banking services specifically within the Egyptian environment. Study Problem: Extant literature lacks an integrated model of value management relevant to the e-banking services. Empirical studies addressing the value of e-banking services in terms of antecedents and consequence in general and in the Egyptian environment are limited. Moreover, customer relationship management (CRM) literature disagrees on the factors reflecting the role of the internal operating environment and overlooks the role of the external environment in affecting the ability of service suppliers to create and deliver the value of e-banking services. Aim and objectives: This study sought to develop an integrated model for managing the value of e-banking services in the Egyptian environment through the following objectives. First, to identify the antecedents (requirements) and consequence of e-banking services perceived value from the demand side of e-banking services. Second, to explore factors shaping banks' ability to create and deliver value of offered e-banking services. Paradigm and research methods: This study adopted the critical realism paradigm, an anti-positivist paradigm, which supports the exploratory and the abductive nature of this research. To identify the antecedents and consequence of e-banking services perceived value from the demand side of e-banking services, an exploratory sequential strategy, in which in-depth interviews preceded the survey phase, was conducted. To explore factors shaping the banks' ability to create and deliver the value of e-banking services, semi-structured interviews were used. Key Findings: Findings related to the demand side indicated that improving e-banking services perceived value can significantly and positively strengthen the relationship between banks and customers. Antecedents of value were identified to be a combination of the explicit involvement of service suppliers in supporting face-to-face service encounters, e-banking services quality, and the role of external environment in promoting e-banking services. The ability of banks to create and deliver value of e-banking services is affected by their positioning strategy, bank branch design, employment scheme, criteria of recruiting front-office employees, and criteria of evaluating front-office employees' performance. The nature of the Egyptian economy, output of education system and legal system development were defined as highly influential within this process. Conclusion: It could be concluded that, managing the value of e-banking services is a dynamic process between service users and service suppliers.

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Ndzinge, Lerato. "Money laundering in Botswana : a model for prevention in the banking sector." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/925.

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Thesis (MBA (Business Management))-- University of Stellenbosch, 2009.
ENGLISH ABSTRACT: Money laundering is becoming a significant risk to the banking industry. It brings with it negative results such as damage to the banking industry reputation, escalation of prices as money launderers end up having a lot of cash in their hands resulting in high inflation and innocent consumers suffering when they end up having to pay the high prices. This research report will provide the background on money laundering and how the banking industry in Botswana can improve on the controls they have in place to deal with it. As money laundering is a worldwide problem, the study will explore the controls put in place by countries internationally and regionally to discourage money launderers from benefiting from their laundered assets. The study will also do a detailed assessment and analysis of the money laundering controls used by the banks in Botswana and come up with conclusions and recommendations that can help the banks in the fight against money laundering.
AFRIKAANSE OPSOMMING: Geldwassery word ‘n aansienlike risiko vir die bankwese. Dit het negatiewe gevolge soos skade aan die reputasie van die bankwese en prysstygings omdat geldwassers uiteindelik baie kontant in die hand het, wat lei tot hoë inflasie. Onskuldige verbruikers ly daaronder omdat hulle dan die hoë pryse moet betaal. Hierdie navorsingsverslag gee die agtergrond van geldwassery en hoe die bankwese in Botswana verbeteringe kan aanbring aan die beheermaatreëls wat hulle in plek het om geldwassery te hanteer. Aangesien geldwassery ‘n wêreldwye probleem is, ondersoek die studie die beheermaatreëls wat lande internasionaal en in streke gebruik om die geldwassers te ontmoedig om voordeel te trek uit die bates wat hulle op daardie wyse verkry het. Die studie doen ook ‘n gedetailleerde beoordeling en ontleding van die maatreëls vir die beheer van geldwassery wat deur die banke in Botswana gebruik word en kom tot gevolgtrekkings en gee aanbevelings wat die banke kan help in die stryd teen geldwassery

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Hua, Dong. "Nordea Bank versus Industrial and Commercial Bank of China : A comparison of internet banking adopting." Thesis, University of Gävle, Department of Business and Economic Studies, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-6514.

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Banking can be viewed as one of the most traditional and sophisticated sectors in the economy and business markets. However, over the past decades, developments in technology has been changing dramatically the way that retail banks conduct their business and this change has also been accelerated due to the introduction and evolution of internet banking. The aim of this thesis is to get a better understanding about what factors are important to have impact on the internet banking implementing.

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Holmberg, Ulf. "Essays on credit markets and banking." Doctoral thesis, Umeå universitet, Nationalekonomi, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-53494.

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This thesis consists of four self-contained papers related to banking, credit markets and financial stability. Paper [I] presents a credit market model and finds, using an agent based modeling approach, that credit crunches have a tendency to occur; even when credit markets are almost entirely transparent in the absence of external shocks. We find evidence supporting the asset deterioration hypothesis and results that emphasize the importance of accurate firm quality estimates. In addition, we find that an increase in the debt’s time to maturity, homogenous expected default rates and a conservative lending approach, reduces the probability of a credit crunch. Thus, our results suggest some up till now partially overlooked components contributing to the financial stability of an economy. Paper [II] derives an econometric disequilibrium model for time series data. This is done by error correcting the supply of some good. The model separates between a continuously clearing market and a clearing market in the long-run such that we are able to obtain a novel test of clearing markets. We apply the model to the Swedish market for short-term business loans, and find that this market is characterized by a long-run nonmarket clearing equilibrium. Paper [III] studies the risk-return profile of centralized and decentralized banks. We address the conditions that favor a particular lending regime while acknowledging the effects on lending and returns caused by the course of the business cycle. To analyze these issues, we develop a model which incorporates two stylized facts; (i) banks in which lendingdecisions are decentralized tend to have a lower cost associated with screening potential borrowers and (ii) decentralized decision-making may generate inefficient outcomes because of lack of coordination. Simulations are used to compare the two banking regimes. Among the results, it is found that even though a bank group where decisions are decentralizedmay end up with a portfolio of loans which is (relatively) poorly diversified between regions, the ability to effectively screen potential borrowers may nevertheless give a decentralized bank a lower overall risk in the lending portfolio than when decisions are centralized. In Paper [IV], we argue that the practice used in the valuation of a portfolio of assets is important for the calculation of the Value at Risk. In particular, a seller seeking to liquidate a large portfolio may not face horizontal demand curves. We propose a partially new approach for incorporating this fact in the Value at Risk and Expected Shortfall measures and in an empirical illustration, we compare it to a competing approach. We find substantial differences.

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Bondeson, Fredrik, and Isak Lindbom. "Customer Loyalty in Mobile Banking : findings from the millennial generation." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-354049.

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The purpose of this study is to investigate and explain the underlying factors that contribute to the creation of loyalty within the area of mobile banking, and their relative importance. The study is limited to the Swedish market and members of the millennial generation. To acquire the wanted primary data, this study adopted a survey strategy, where responses from 153 current and former university students were collected. Following the survey, an exploratory factor analysis was conducted, and ultimately a multiple linear regression analysis to reveal what factors that predicts loyalty. Findings show that Relationship Quality (Commitment/Satisfaction/ Trust) has a positive impact on mobile banking loyalty and is thestrongest determinant. A lower level of Perceived Risk also has a positive impact on mobile banking loyalty. A Net Promotor Score of 1.4 percent indicate low loyalty among millennial mobile banking customers. This study contributes to the bank marketing theory by being one of the first studies that investigate which factors that directly influence loyalty among mobile banking customers. Since millennials is the next working generation it is crucial for banks to understand how loyalty in this generation is created. As the study is focused on Swedish millennials, applicability to the general population is limited.

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Strandberg, Carl-Johan. "Leveraged Buyouts : An LBO Valuation Model." Thesis, Karlstad University, Faculty of Economic Sciences, Communication and IT, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-5776.

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During the eighties a new type of financial transaction started to emerge on an increasing basis. It was the so called “leveraged buyout” also known as the LBO. In the US private equity firms made it to the headlines in financial media from engaging in leveraged buyouts with small equity investments and large amounts of borrowed capital, their targets where large solid multinational corporations. Much has happened since the eighties. Back then leveraged buyouts where often associated with terms such as “Slash and Burn” or “Buy, Flip and Strip” often meaning hostile takeovers and huge layoffs. Today private equity firms focus more on active ownership, fast decisions without the bureaucracy of the stock market and long term value creation in order to profit from their buyouts.

As private equity firms today invest tremendous amounts of capital through their private equity funds. Leveraged buyouts have become one of the major areas within investment banking. Even though the LBO is a common transaction it is often hard to find models used for valuation of such a deal. Private equity funds and investment banks all have their own valuation models but these are regarded as strictly confidential and seldom revealed to the public. Therefore the creation and publication of an LBO valuation model should be of great interest for everyone aiming at a future career within private equity, corporate finance or investment banking.

This thesis derives a complete LBO valuation model including a framework for finding a suitable LBO target. The LBO valuation model is created in cooperation with the debt capital markets department at one of the leading investment banks in the Nordic region. The framework is based on a qualitative study conducted on seven of the most distinguished private equity firms active in Sweden. In order to show how the LBO valuation model and the framework works, both are applied on the retail company Björn Borg listed on NASDAQ OMX. To verify the accuracy of the framework, calculated return from the model is analyzed and compared to the indications given by the framework.

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Ivens, Pitta Ferraz Duarte. "Bridging the 'gap' between migrants and the banking system : an innovative business model promoting financial integration, financial stability, and profitability." Thesis, Nottingham Trent University, 2012. http://irep.ntu.ac.uk/id/eprint/70/.

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The thesis probes a specific area - the banking system and the business niche concerned with migrants' remittances - and considers the flows of these people and their money in today‘s global economy (over 3% of the world's population). It argues that the banking system has failed to understand the changing "paradigm" of the migrant market and thus has not updated its business plan or business model for this business segment in response. In failing to harness the liquidity of the migrant market, the author argues, the banking industry is missing out on a potentially profitable business segment that could create financial stability within the industry and the world's economies. Furthermore, by ignoring the "gap" that exists between the financial products on offer to the migrant sector and their needs in this respect in both the host and origin countries - providing a service at "both ends of the corridor" - the industry is also in danger of losing site of its commitment to social responsibility and the financial integration of migrants. At the heart of the argument for financial stability and financial integration is the proposition that there is a lack of communication among stakeholders, namely academic and financial institutions, governments, Diaspora associations and other decision makers. As an insider, the author is well placed to probe further into the minds of the "elite"; the decision makers within banks, Diaspora associations and government, employing qualitative research to reveal the extent to which the landscape of the migrant business segment has changed (i.e. requiring a more sophisticated product that meets the needs of migrants throughout their entire life-cycle) and highlighting that the necessary adjustments to the migrant business plan and business model have been ignored because of poor communication and a lack of understanding of the current global circumstances concerning the remittances of migrants. As the thesis points out, despite considerable evidence that migrants and their associated monetary flows is a central and enduring feature of globalization resilient to financial crisis, remarkably, scant attention is paid to it in the academic literature. The thesis addresses this "gap" by employing exploratory research in order to design an innovative business model and business plan for the migrant market, the benefits of which will be realised globally among migrants, the financial industry and, ultimately, in the development of a sustainable world economy.

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Jaroš, Petr. "Model elektronického obchodu." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2007. http://www.nusl.cz/ntk/nusl-221400.

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Hebie, Ali Parfait. "Improving Mobile Phone Banking Usefulness, Usability, Risk, Cost, and Intention to Adopt." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/4731.

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Millions of people use mobile phone banking daily, and business leaders should understand the factors influencing mobile phone banking adoption among users. Based on the theory of technology acceptance model and the innovation diffusion theory, the purpose of this correlational study was to examine the relationship between usefulness, ease of use, risk, cost, and mobile phone banking adoption in Burkina Faso. One hundred and six mobile phone banking users living in the city of Ouagadougou completed the online survey created to measure consumers understanding of mobile phone banking. Results of the multiple linear regression analysis indicated a statistically significant relationship between the predictor variables and mobile phone banking adoption, F(5,101) = 36.07, p < .001. Three of the predictors contributed significantly to the model, with usefulness recording the highest beta value (Ã? = .692), cost the next highest beta value (Ã? = .225), and ease of use the next highest beta value (Ã? = .173). The 4th predictor, risk, did not contribute significantly to the model, recording a negative beta value (Ã? = -.058). Results may enhance local business leaders' understanding of mobile phone banking adoption, which could result in more effective business strategies to increase the affordability, availability, and quality of mobile banking services for Burkina Faso residents. Development of the mobile phone banking industry could enable business leaders to foster access to affordable financial services for individuals and contribute to the development of Burkina Faso's local economy and trade.

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Eksteen, Lydia Katriana. "Designing and implementing a shared services model for Capricorn Investment Holdings, Namibia." Thesis, Stellenbosch : University of Stellenbosch, 2007. http://hdl.handle.net/10019.1/4870.

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Thesis (MBA (Business Management))--University of Stellenbosch, 2007.
ENGLISH ABSTRACT: This report presents a structured approach to design and implement a shared services model for Capricorn Investment Holdings (CIH), Namibia. Shared services are tactical by nature and aim to support the organisation's strategy. Shared services are the consolidation of support activities into a business unit which operates on business principles and focuses on value creation, and the leverage of the skills and knowledge in an organisation. The successful transformation to a shared services business unit requires the transformation of the employees (people), business processes, and technology. Without the required transformation shared services will remain "faddish-, and the organisation will not gain the full benefits associated with shared services. The banking operations under the CIH group, similar to the other banks in Namibia are under ever increasing pressure to reduce costs, improve service, develop and deliver high quality banking products. These issues are important to increase market share and profits in order to position themselves as leaders against both traditional and non-traditional competition. CIH group now has a perfect opportunity, with business in Botswana, Zambia and Namibia to build a shared services model suitable to its needs and also to support the group strategy to expand throughout Africa. Although geographically dispersed operations or transaction centres will not go the way of the dinosaur, companies must design and manage each support function according to the integrated and, when possible, standardised model. This framework should allow for necessary geographic, regulatory or cultural variations, while ensuring maximum control and management. It must also achieve economies of scale and leverage employee expertise. That is why CIH firstly started off, with the process blueprint project, which caters for standard processes, and will be rolled out to the rest of the banking business. Secondly, after completion of the process blueprint project, CIH is going to follow a component business approach in order to make the transition to a shared services model much easier. Component business models offer a proven approach to driving a specialised focus, both internally and externally. With this exercise, CIH will be in a position to identify both the core and non-core components of its banking business. This will enable the group to take an informed decision on which components to share and which should remain in the different business units. Thirdly, the group is going to redesign the supply chain. Especially with the shared services model, a much closer, deeper relationship with intermediaries and service companies should be built to ensure that the group move in a customer centricity way. The optimum relationship would be long-term cooperation, joint planning of sales strategy and operations, and shared knowledge in order to optimise business, develop innovative initiatives and continuously improve to consolidate market position. Further to this study, CIH is going to re-evaluate its value chain where the support activities in a single organisation are extended across organisations, multiple companies, divisions or business units to cater for its expansion strategy. Lastly CIH, with its approach to firstly sharing the IT structure, then business processes, still have a few critical decisions to make. The shared services centre involves finding and assessing service providers, determining geographies from which to source the services, like will it be Botswana, Zambia, Windhoek or South Africa? Other critical issues are developing contracts, defining service levels and a myriad of other tasks. Whichever road CIH chooses, successful implementation demands considerable front-end investment and cultural transformation. To clear these initial hurdles, the group, especially senior management, must be fully committed to significant change. Key to successful implementation is distinguishing between the types of services to share, developing service contracts, choosing shared services staff carefully, benchmarking the service against outside vendors, establishing a governance board and designing an implementation approach unique to the specific needs of the group. It is very important to ensure successful transformation of the shared services model, existing of all the projects currently running within the group. In order to do that the executive team should know that implementing shared services is not a simple process. The rollout and implementation will take time, at least one to two years. Finally, building a shared services model requires focusing on the internal clients. The solution is not a simple, quick fix, but calls for careful consideration and implementation of all the points made throughout the course of this research report, from strategy and design to governance and transparent metrics.
AFRIKAANSE OPSOMMING: Hierdie verslag stel 'n gestruktueerde benadering voor tot die ontwikkeling en implimentering van 'n gedeeldedienste-model vir Capricorn Investment Holding groep (CIH) Namibie. Gedeeldedienste is takties van aard en het ten doel om organisasie- struktuur te ondersteun. Die beginsel van gedeeldedienste impliseer die samevoeging van Ondersteuningsaktiwiteite en fokus op waarde ontsluiting en die hefboom van kennis en vaardighede binne die organisasie. Die sukses van transformasie na gedeeldedienste is afhanklik van die transformasie van die mense, prosesse en tegnologie in die organisasie. Sonder hierdie transformasie sal gedeeldedienste onsamehangend gelewer word en sal die organisasie nie die volle voordele daarvan geniet nie. Bankdienste binne die CIH groep, soos ook die geval is met ander handelsbanke in Namibie,is geduring onder toenemende druk om kostes te verlaag, dienslewering- standaarde te verhoog en bankprodukte van kwaliteit te voorsien. Hierdie aangeleenthede is belangrik om markaandeel te verhoog en wins te verseker, maar ook om die CIH groep te posisioneer as markleiers onder beide tradisionele en minder tradisionele rolspelers. Die CIH-groep is nou in 'n gunstige posisie met besigheid in Botswana, Zambie en Namibia, om 'n gedeeldedienstemodel daar te stel wat die groep se strategie vir uitbreiding in Afrika kan ondersteun. Alhoewel geografies wydverspreide operasies of dienspunte nie sal verdwyn nie, moet die onderskeie maatskapye ondersteuningsdienste ontwerp en bestuur volgens 'n geintegreerde en, waar moontlik, 'n gestandaardiseerde model. Hierdie raamwerk moet ruimte laat vir geografiese, wetlike en kulturele verskille terwyl dit effektiewe kontrole en bestuur moet verseker. Dit moet ook aan die beginsel van skaalekonomiee voldoen en moet die optimale benutting van vaardighede van personeel verseker. Om hierdie rede het CIH 'n projek geloots, Proses Witskrif, wat die standaard prosesse verval. Hierdie projek sal uiteindelik ook die res van die prosesse in die bank se besigheid insluit. Na voltooiing van die Proses Witskrif projek sal CIH 'n benadering volg van besigheid in komponente om sodoende die transformasie na 'n gedeeldedienste-model te vergemaklik. Die model van besigheid in komponente bied 'n beproefde benadering tot die implimentering van 'n gespesialiseerde fokus, beide intern en ekstern. CIH sal met die implimentering van hierdie projek beide kern en nie-kern komponente van die bank se besigheid kan identifiseer. Dit sal die groep in staat stel om ingeligte besluite te neem oor watter komponente gedeel behoort te word, en oor watter komponente in die verskillende besigheidseenhede moet bly. Hierna kan die groep die verskaffingsketting herontwerp. Om te verseker dat die groep sake doen in 'n klientgesentreerde manier, veral met die gesentreerdedienste-model moet hegter verhoudings met tussengangers en diensverskaffers gesmee word. Die ideale verhouding is een van langtermyn samewerking, gesamentlike beplanning van verkoopstrategiee, die implementeering van operasies, en 'n gedeelde poel van kennis om sodoende operasies, ontwikkeling van innoverende voorstelle en deurlopende verbetering van markaandeel te bewerkstellig. Vervolgens gaan CIH sy waardeketting herevalueer waar ondersteuningsaktiwiteite in die groep oor die grense van organisasie, maatskappye, afdelings of besigheids- eenhede strek om sodoende te beantwoord aan sy uitbreidingstrategie. Laastens sal CIH met 'n benadering van gedeelde tegnologiese platvorms en besigheidprosesse nog 'n paar kritieke besluite moet neem. Die gedeeldedienste-sentrum moet geskikte diens- verskaffers identifiseer en beoordeel, of dit in Botswana, Zambia, Namibie of Suid Afrika moet wees. Verdere uitdagings is die ontwikkeling van kontrakte en definiering van diensleweringstandaarde asook ander aspekte. Afgesien van watter rigting die groep mag inslaan, sal suksesvolle implementering 'n relatiewe hoe aanvanklike beleggings- en kulturele-transformasie verg. Ten einde hierdie aanvanklike hindernisse te oorkom, moet die groep, veral senior bestuur, ten volle toegewyd wees aan groot verandering. Die sleutel van suksesvolle implementering le in die vermoe om te bepaal watter dienste gedeel moet word, watter standaarde van diensleweringooreenkomste te ontwikkel, personeel wat gedeelde dienste moet lewer noukeuring te kies, dienslewering te meet aan standaarde van eksterne verskaffers, 'n beheerliggqaam te vestig en 'n benadering tot implementering te ontwerp wat die spesifieke behoeftes van die groep kan vervul. Dit is belangrik om te verseker dat suksesvolle transformasie van die gedeeldedienste-model alle bestaande projekte kan akkomodeer. Die kompleksiteit hiervan moet nie deur senior bestuur onderskat word nie. Die ontwerp en implimentering kan een tot twee jaar neem. Dit verg verder 'n deurlopende benadering van fokus op interne kliente. 'n Oplossing verg deeglike oorweging en implimentering van alle aspekte wat tydens die navorsing na vore gekom het. Dit sluit strategie en ontwerp in om sodoende deursigtige beheer te verseker.

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Miron, Lionel, and Fabien Patel. "Empirical Study of post-takeover performance in banking industry: comparison between U.S. and European bank acquisitions." Thesis, Umeå University, Umeå School of Business, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-1704.

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Takeover is a business activity which really started in the beginning of the eighties and which still takes a strong part in the business and financial area all over the world. According to our studies as the desire for further acknowledgements and the desire of building a career around financial activities, this study has been naturally conducted in the banking area.

Regarding the steady use of acquisition like a powerful process with some positive and negative sides, we decided to implement a comparison of different mergers and acquisitions in the banking industry in the United States and Europe. This comparison has been supported and based on the third main topic of our study: performance.

These large and complex subjects combined together lead to the following hypotheses:

Hypothesis 1: Performance is not improved after takeover in the banking industry.

Hypothesis 2: The level of post takeover performance is the same in the U.S. as in the European bank acquisitions.

Based on the historical data and knowledge, the United States was the pioneer in the development of such gathers in the banking sector. Considering the United States as a reference, a first purpose was to compare them with the bank mergers and acquisitions in Europe. Stating on some possible differences as increasing our own knowledge have been some others purposes which have supported our work.

A first large part of our work was focused, through a large literature review, on the enhancement of our knowledge as the statements of the basis and support for the analysis.

To illustrate and to try to answer our research question, we have conducted our study based on a sample of 20 acquisitions which were achieved in the banking industry between March 1998 and May 2004. 10 of these acquisitions had been achieved in the United States as the 10 remaining acquisitions had been executed in Europe.

The analysis has been achieved by collecting data in Thomson Datastream Advance.

Based on a quantitative method, we applied two financial models: The Market Model (MM) and the Market-Adjusted Returns Model (MAR) supported by the Cumulative Abnormal Returns Method (CARs).

The post-takeover study has been delimited on a period of 42 months after the public announcement.

The study and the comparison between the United States and Europe have shown some differences between the two areas. Nevertheless it seems that negative abnormal returns are usually the case after such takeovers on the whole period studied. Some positive abnormal returns have been recorded at different points in the time into the studying period.

According to the models we applied, the US banks results seem to be better than the ones of European banks: the differences range from 5,58 to 16,65 points under the MM, and from 1,66 to 18,08 points under the MAR model.

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Šimek, David. "Připravenost bank na přechod na digitální bankovnictví." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-264298.

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The focus of this thesis is on the readiness of banks for the transition to digital banking. Its goal is to present current trends that influence development of retail banking, the definition of digital banking and design recommendations for banks for developing the business model based on the analysis of banks competitors, qualitative research with customers, workshop with bank employees and analysis of customers life which will leats to simplification of the life of the customer so that they are ready for the transition to digital banking which will enable them to increase customers loyalty and prevent a decrease in revenues.

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KITTUR, ASHA HARSHAVARDHAN. "Effectiveness of the Altman Z-Score model : Does the Altman Z-Score model accurately capture the effects of Non-Performing Assets (NPA) in the Indian banking sector?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-86144.

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The aim of this study is to measure the effectiveness of Altman’s Z-Score model using Non-performing assets (NPA) as a benchmark stability indicator. To do that, this paper examines if Altman’s Z Score Models capture the decline in financial health of the banks caused by the NPAs, using a two-fold analysis i.e., in advance through prediction and when the distress period is ongoing. The findings of this paper would suggest that: 1. During the distress period: The Z-Scores only marginally capture the distress caused by the NPAs, which is in line the findings of Almamy et al that the predictive ability of the model goes down during the crisis period. 2. For the future: The results of the statistical t-tests indicate that, the Z-Scores do not have the predictive ability to capture the future NPAs. Two different models that are developed by Altman - one for non-manufacturing firms and the other for the emerging markets, are used to test, if one model is more suitable than the other to the Indian banking sector. The findings of this paper suggest that, due to the uniqueness of the Indian banking sector during the NPA crisis, the ‘Emerging market model’, does not produce any significantly better results. Therefore, there is further scope to develop a tailor-made model suitable to the Indian banking sector.

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Grafsky, Ann. "Branch alternatives model." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1635.

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Näsholm, Johansen Johanna, and Amin Noor Al. "E-loyalty in digital platforms : How do the employees in banks experience their work with customer e-loyalty, individually and in relation to each other?" Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-354624.

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This thesis aims to study how the top management and employees in banks experience their work with customer e-loyalty in digital settings, both individually and in relation to each other. Today's bank customers desire freedom in where they conduct their business and do at the same time require a deeper personal relationship with their bank advisors. The adjustments to balance these two requirements have been a challenge for many banks. While satisfied customers often create loyalty, banks in Sweden have during the recent years experienced decreasing customer satisfaction. The digitalization within the banking sector will continue to have a big impact on the relationship between banks and their customers. By adapting a qualitative approach, the thesis aims to contribute with knowledge of how the top management and employees work with and perceive the impact digitalization has on e-loyalty. The thesis provides academic contributions, such as the insight in how top management and employees in two of Sweden’s biggest banks perceive their work with customer e-loyalty. The second contribution to the literature is a suggestion to development of the 8C model. The practical contribution is what the top management in banks should consider when mediating e-loyalty strategies to employees

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Åberg, Emil, and Yeshodeep Khati. "Artificial Intelligence in Customer Service : A Study on Customers' Perceptions regarding IVR Services in the Banking Industry." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-75300.

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Title: Artificial Intelligence in Customer Interactions: A Study on Customers' Perceptionsregarding IVR Services in the Banking Industry Purpose: The purpose of this paper was to explore consumer perspectives on automated IVRcustomer services. Design/methodology/approach: This research paper was conducted qualitatively, where theresearchers developed a framework and a suggested model based on existing research andcollected primary data from eight interviews with open-ended questions. The collected datawas coded so that the researchers could spot patterns in the responses which were thendiscussed in relation to previous studies. Based on the results of the data analysis thedeveloped model was also discussed and revised. Findings: The findings of this study suggest that consumers are skeptical towards IVRtelephone customer service and believe that the service quality would be lower than regulartelephone service. The findings do however show that consumers are willing to try to adjust tonew technology as long as there are alternatives if they are not satisfied. Research implications: Managers should focus on delivering quality service to all of theirconsumers and therefore need to consider how well their services can fulfill the needs of theirconsumers. If the quality of the technology cannot provide the service that is expected there isstill a need for regular telephone customer service or else the company might suffer in thelong run. Originality/value: This study is, to the best of our knowledge, the first to explore the topic ofcustomers perceptions of AI in customer service. Keywords: IVR, AI, Customer Service, Banking, Customer Satisfaction, Wait time, TAM,Technology Acceptance Model, Sweden

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Mårtensson, Felicia, and Claudia Üre. "Är det traditionella sättet att bedriva bankverkamhet förbi? : En kvalitativ studie om hur digitaliseringen har förändrat svenska bankers affärsmodeller." Thesis, Södertörns högskola, Företagsekonomi, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-38535.

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Den pågående digitaliseringen kan ses som en av de mest väsentliga omvandlingarna av det moderna samhället, vilket har påverkat stora delar av näringslivet och människors vardag. Digitaliseringen har bidragit till omfattande förändringar i hur organisationer bedriver sin verksamhet och en av de främsta utmaningarna anses vara relaterade till utformningen av affärsmodeller. En bransch som formats av digitaliseringen är banksektorn, där utvecklingen har accelererat de tio senaste åren. Den svenska banksektorn har genomgått en omvandling som kännetecknats av en övergång från hierarkiska och byråkratiska strukturer till att följa principer om öppenhet och flexibilitet. De fyra storbankerna har länge dominerat den svenska banksektorn men utmanas av digitala aktörer i allt större utsträckning. Föreliggande studie syftade till att beskriva och analysera svenska stor- och nischbankers syn på förhållandet mellan digitaliseringen och affärsmodeller, vilket även innefattade att identifiera drivkrafter till förändringar av bankernas affärsmodeller. Tidsramen för studien avgränsades till de tio senaste åren, det vill säga, mellan år 2009 och 2018. Studien tillämpade en kvalitativ forskningsstrategi och en fallstudie genomfördes. Studieobjekten utgjordes av storbankerna Handelsbanken, Nordea, SEB och Swedbank samt de digitala nischbankerna Avanza och Nordnet. Datainsamlingen genomfördes med hjälp av en metodtriangulering, vilket inkluderade elva semistrukturerade intervjuer och årsredovisningar. Vidare genomfördes analysen tematiskt med hjälp av en kvalitativ innehållsanalys. Studiens resultat visade överlag på att samtliga banker hade genomgått stora förändringar i sina affärsmodeller, där det förekom både likheter och skillnader mellan stor- och nischbankerna. Drivkrafterna för ändring av bankernas affärsmodeller till följd av digitaliseringen var emellertid samma oavsett stor- eller nischbank. Bankernas affärsmodeller hade förändrats med avseende på kundinteraktioner, resurser, integration med externa partners samt intäktsströmmar och kostnadsstruktur. Avslutningsvis identifierades teknologisk utveckling, företagsstrategier och imitation, förändrade kundbeteenden, förändrade regelverk och nya aktörer som centrala drivkrafter för ändring av bankernas affärsmodeller till följd av digitaliseringen.
Digitalization has been one of the most transformative changes to our modern society. This shift has affected almost all aspects of daily life and extensively shaped how organizations operate. One of the most challenging aspects within digitalization is related to business models. The banking sector is a key example of an industry that has been continually shaped by digitalization. In the past decade, this development has rapidly accelerated and as a result, there is a need for banks to review their business models. The Swedish banking sector has been characterized by hierarchical and bureaucratic structures to follow principles of openness and flexibility. Four big banks have long dominated the Swedish banking sector; however, they are increasingly being challenged by digital players. This study aimed to describe and analyze how Swedish banks perceived the relationship between digitalization and business models, which includes identifying the driving forces behind the changes within banking business models. The study's timeframe was delimited to the last ten years, that is, from 2009 through 2018. A qualitative research strategy was applied in which a case study was conducted including four Swedish big banks (Handelsbanken, Nordea, SEB, and Swedbank) and two digital niche banks (Avanza and Nordnet). Data collection was carried out using a method triangulation, which included eleven semi-structured interviews combined with annual reports. The study was analyzed through a thematic qualitative content analysis. Overall, the study's results showed that digitalization has changed the business models of big and niche banks, both similarly and differently. Although, the driving forces behind the changes within the banking business models were similar regardless type of bank. Changes in the business models were primarily based on customer interaction, resources, integration of external partners, revenue streams and cost structure. Lastly, technological development, corporate strategy and imitation, changed customer behaviour, changed regulations and new market participants were identified as keydrivers for changing the banks’ business models as a result of digitalization.

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Koshyna, L. M. "The development of International banking in the context of global financial imbalances." Master's thesis, Sumy State University, 2019. http://essuir.sumdu.edu.ua/handle/123456789/75552.

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Магістерська робота присвячена дослідженню моделей банківського бізнесу з урахуванням кризових тенденцій фінансового ринку. В роботі проведено аналіз поняття фінансової кризи, її причин і наслідків. Проведено ретроспективний аналіз причин, особливостей і наслідків основних світових фінансових криз. В роботі також здійснено аналіз останніх фінансових криз в Україні та основних наслідків фінансової кризи 2008-2009 років для світового банківського ринку. В роботі розглянуто традиційні підходи до побудови моделі банківського бізнесу, досліджено тенденції зміни моделей банківського бізнесу в цифровій економіці, розроблено рекомендації щодо оцінювання ефективності моделі банківського бізнесу з позиції її стійкості до кризових явищ.
The master’s thesis focuses on research of models of banking business considering the crisis tendencies of the financial market. The paper analyzes the concept of financial crisis, its causes and consequences. A retrospective analysis of the causes, features and consequences of major global financial crises was conducted. Research also provides an analysis of the recent financial crises in Ukraine and the main implications of the 2008-2009 financial crisis for the global banking market. The master’s thesis examines traditional approaches to banking business models, investigates trends in changing banking business models in the digital economy, and develops recommendations for evaluating the effectiveness of the banking business model in terms of its resilience to crisis phenomena.

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Bergström, Stacey Isabel, Philip Svenningsson, and Anton Thoresson. "The Era of Artificial Intelligence in Swedish Banking : Exploring Customer Attitudes Towards AI as a Substitute to Brick and Mortar Offices." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-39859.

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Background: The wave of Artificial Intelligence (AI) is marching on, replacing jobs and traditional services, and is predicted to be one of the biggest marketing trends in the close future. Four of the major Swedish banks have started to implement AI as a customer service channel. Simultaneously, the Swedish banking industry is experiencing an all-time low in customer satisfaction, where one of the main reasons is the diminishing number of local branches. Purpose: The purpose of this thesis is to explore the attitudes that customers have towards AI in customer service, as a substitute to local brick and mortar offices within the Swedish bank industry, as well as uncover any significant factors that could influence these attitudes. Method: This is a qualitative study of exploratory nature where five focus groups have been used to collect empirical data. A total sample of 26 participants, ranging from 20-55 years old, have partaken in the focus groups. Conclusion: Findings show that there mainly exists a negative attitude towards AI as a substitute to brick-and-mortar offices, but positive attitudes towards it as a complement. Factors that influence the attitudes were found to be Convenience, Perceived Usefulness, Perceived Ease of Use, Trust, Risk and Social influence. Awareness and Prior Technological Experience were found to not have great influence on customer attitudes.

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Li, Kun Lin. "Further investigation on FF3 model in the case of Hong Kong : 1987-2000." Thesis, University of Macau, 2006. http://umaclib3.umac.mo/record=b1676399.

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Karásek, Tomáš. "Specifika rozvoje datového skladu v bance." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-203876.

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The present thesis deals with the specifics of Data Warehouse enhancement in a bank. The aim of the thesis is a definition of the general specifics of banks, their Business Intelligence and Data Warehouse enhancement compared to other companies. The thesis is divided into seven parts. The first part describes the theoretical basis of banking and Business Intelligence. The second part defines the general specifics of banks and their informatics compared to other companies. Then Business Intelligence in a bank, its architecture and enhancement are explored. In the fourth part a conceptual data model of Data Warehouse in a bank is introduced and described in detail. Afterwards the main source systems of Data Warehouse are identified and matched to the subject areas of the data model. The sixth part discovers important application areas of Business Intelligence usage and mentions the basic indicators. The last part presents a case study (a project of Data Warehouse enhancement in a bank). The result of this thesis is clear description of the Data Warehouse in a bank, its data model, source systems, application areas and enhancement.

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Lundblad, Lowe, and Anna-Liisa Rissanen. "Precision Agriculture and Access to Agri-Finance : How precision technology can make farmers better applicants." Thesis, Umeå universitet, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-149677.

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The World Bank has estimated that an additional $80 billion in financing are needed annually to achieve the 70 % increase in food supply required to feed the world in 2050. One of the cornerstones in achieving this increase in production is expected to be improved agricultural technology, where one of the latest additions is precision agriculture. It is believed that the money for investing in this technology must come from the private sector, but financial institutions are hesitant in lending money to farmers. This, in part, comes down to a high perceived riskiness in agricultural lending stemming from the risk composition in agriculture compared to other industries as well as from weak collaterals provided by farmers. This thesis aims to find what factors are most prominent in banks´ risk assessment of agricultural firms during the lending process and look at how precision agriculture could help mitigate these risks. We have gathered aggregated quantitative data from FAOSTAT and the Swedish Board of Agriculture on farm income and hectare yield (productivity) at Swedish farms. These variables were found to be two of the most important factors in agricultural lending based on previous research. In addition to this data, information on e.g. weather, ecological farming and expenditure related to pesticides, fertilizer, and machinery were collected to further the analysis. Precision agriculture is made up from a myriad of different technologies. We have opted to not separate the technologies in this study as the adoption of each technology included in the term is currently not sufficiently well understood. This aggregation of technologies allowed for us to use the dynamic AAGE-model to estimate the adoption based on the minimum hectare size where precision agriculture should be profitable at each point in time. The study finds that precision agriculture does have a positive impact on farm productivity and income volatility. Hence, precision agriculture should reduce the risk of agricultural financing given to adopting farmer which would increase the access to credit and, in continuation, lead to an increase in aggregated food production. In addition, we conclude that financial institutions should gain a better knowledge of precision agriculture technologies and use this information to improve the credit evaluation process in agricultural lending. Lastly, banks should understand how the risks related to information asymmetry and moral hazard could be reduced by utilizing the data available through farmers use of precision agriculture technology.

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Alghamdi, Ahmed Dirwish G. "An integrated model of the influence of personal psychological traits and cognitive beliefs on customer satisfaction and continuance intentions in relation to Internet banking usage within the Saudi Arabian context." Thesis, University of Plymouth, 2014. http://hdl.handle.net/10026.1/3096.

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This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.

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Tamini, Pawessé Louis Arnaud. "Cadre institutionnel et gestion des institutions financières : trois essais sur les banques africaines." Thesis, Strasbourg, 2019. http://www.theses.fr/2019STRAB012.

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Le système bancaire africain est sous-développé. En moyenne, les banques africaines prêtent peu, s’engagent sur des maturités courtes, réalisent des marges nettes d’intérêts élevées tout en imposant des conditions de prêts contraignantes aux agents non-financiers. Ces caractéristiques sont le reflet des contraintes institutionnelles qui pèsent sur l’activité bancaire dans ces pays. Cette thèse contribue, d’une part, à une meilleure compréhension de ces contraintes institutionnelles et, d’autre part, à mieux en cerner les conséquences sur l’activité bancaire. Le chapitre 2 met ainsi en évidence de quelle manière la capacité des banques africaines à assurer leur fonction d’intermédiation financière efficacement est déterminée par le degré de protection des créanciers et des emprunteurs, le cadre contractuel en place, mais aussi la qualité de la règlementation. Contraintes, ces banques détiennent des niveaux élevés de réserves tandis que les agents non-financiers peinent à se financer. Dans le chapitre 3, nous expliquons ce paradoxe par une demande viable structurellement faible compte tenu des déficiences sur le marché de crédit. Enfin, les banques africaines adaptent leur business model au contexte en place en s’orientant vers des activités bancaires non-traditionnelles. Le chapitre 4 montre que ce repositionnement a des conséquences sur la rentabilité et la stabilité notamment des petites banques qui manquent des ressources nécessaires pour pénétrer ces nouveaux segments
The banking system is underdeveloped in Africa. Banks are reluctant to lend, commit to shorter maturities, and enjoy higher net interest margins, while non-financial agents experience harsh difficulties in accessing the credit market. These characteristics reflect the institutional constraints faced by banks in their operations. This thesis contributes to a better understanding of these institutional constraints and their consequences on banking in Africa. Chapter 2 highlights how African banks’ ability to perform financial intermediation efficiently is determined by the protection level of borrowers and lenders, the contractual framework, and regulatory quality. Given these constraints, African banks hoard high levels of reserves while non-financial agents struggle to access to external finance. In chapter 3, we explain this paradox by the structurally low demand for credit induced by the deficiencies on the credit market. Lastly, African banks are adapting their business model to their operational context by shifting towards non-traditional banking. Chapter 4 shows that this shift has adverse consequences on the profitability and stability of smaller banks, which may lack the resources and capabilities necessary to engage in these new markets

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Стадник, А. С. "Механізм державного антикризового регулювання банківської системи." Thesis, Сумський державний університет, 2019. http://essuir.sumdu.edu.ua/handle/123456789/74404.

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Дисертаційна робота присвячена розвитку теоретичних засад, науково-методичних підходів та розробленню практичних рекомендацій щодо формування й реалізації механізму ДАРБС. У дисертації вдосконалене визначення поняття "банківська криза"; розроблений підхід до класифікації банківських криз; обгрунтовано, що банківські кризи виникають унаслідок впливу некерованих факторів зовнішнього середовища та накопиченого внутрішнього деструктивного кризового потенціалу. Розвинено концептуальні засади формування механізму державного антикризового регулювання банківської системи; вдосконалено методичні засади діагностування кризових явищ та операціоналізації антикризового інструментарію. Розроблено науково-методичний підхід до оцінювання концентрації банківської системи як основи для вдосконалення державного антикризового регулювання процесів її деградації; вдосконалено механізм превентивного державного антикризового регулювання на мікрорівні на основі аналізу ризик-профілю бізнес-моделей та стрес-тестування фінансових ризиків банків.
The thesis is devoted to the development of theoretical foundations, scientific and methodological approaches and the development of practical recommendations for the formation and implementation of the state anti-crisis regulation of the banking system. The author has proved that the occurrence of a banking crisis is caused both by the influence of uncontrollable environmental factors (macroeconomic, political, social instability and the shocks caused by them), and the destructive crisis potential of the banking system, due to the subjective aspects of the internal characteristics of its elements, in particular, the effectiveness of banking management and the adequacy of the actions of the regulator. The paper analyses banking crises in Ukraine, based on which it is determined that the stage of banking distress was observed for a long period, while the triggers (different for the banking crisis of 2008–2009 and 2014–2015, except for the devaluation of the national currency) have resulted in significant fiscal expenses, economic and social consequences. A generalization of the key aspects of the state anti-crisis regulation of the banking system made it possible to consider it as a specific function of state management of the economy as a whole and the banking system, in particular, subordinated to the general imperatives of the anti-crisis policy of the national and supranational (interstate) levels, in the form of targeted regulatory influence of government bodies and institutions on the banking system, implemented at its micro and macro levels, using the appropriate mechanism is aimed at early diagnosis of the banking crisis, the formation of a set of measures to overcome it, reducing and / or neutralizing the negative impact on the financial and economic systems. It is determined that the mechanism of state anti-crisis regulation of the banking system has a complex component structure, including a targeted, functional and organizational-structural subsystem. The paper suggests the functional component of the mechanism of state anti-crisis regulation of the banking system to differentiate depending on the phase of the crisis, with the release of anticipatory, preventive, reactive and rehabilitation regimes. In the thesis improved methodological approach for crisis diagnosis, which is proposed to be considered it as a holistic, multilevel, hierarchically constructed set of modules, including diagnostic and analysis tools that allow you to transform the input information and generate analytical data on economic phenomena and processes that characterize the system: - and macro-level, cause and effect relationships, represented by a variety of external factors affecting them, and result indicators. The approach to operationalization of the instruments of the state anti-crisis regulation of the banking system by sequential implementation of the following stages is developed: diagnostics to determine the current and forecast states of the banking system at the micro and macro levels; determining the mode of regulation, design and selection of tools according to the results of diagnosis; preliminary assessment of the regulatory instruments; activation (and deactivation) of anti-crisis instruments; final evaluation of the effectiveness of the tools. As a result of the testing, negative tendencies in the functioning of the banking system of Ukraine were identified, namely the transition from a relatively highly competitive environment to a market with a high level of concentration, which may indicate early, initial signs of the emergence of potential crisis phenomena. Because of this, should strengthen monitoring of the concentration of the banking system and develop and implement the necessary preventive anti-crisis measures. It is substantiated that to increase the efficiency of banking crisis prevention it is advisable to analyse the risk profile of their business models as a set of specific aspects of activities that characterize the level of sensitivity to financial risks. The paper proposes to apply stress testing of key financial risks by the defined risk profile of the bank's business model, which involves the consistent implementation of such steps as goal setting, infrastructure formation, detailed stress testing procedure and updating of stress test parameters. For credit risk stress testing, the risk of concentration and changes in the correlation between credit and currency risk, as well as shock parameters for such components of the loan portfolio as mortgage and consumer loans, are considered. Liquidity risk stress testing involves examining risk factors for both liabilities and assets with a time horizon of two horizons. For stress testing of currency and interest rate risk, it is suggested to perform sensitivity analysis and determine the basic parameters of shock.

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Jongsaliswang, Metinee. "Bank business models in Southeast and East Asia : implications for stability." Thesis, University of Manchester, 2013. https://www.research.manchester.ac.uk/portal/en/theses/bank-business-models-in-southeast-and-east-asia-implications-for-stability(f667dff0-df8d-40e9-a0a0-bda177fb096b).html.

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This research aims to understand the effect of business models in the Asian banking industry during the most recent financial crisis, and to identify effective banking business models for the post-crisis landscape. This research was based on observations about the importance of the bank business model for reaching bank stability, as well as a lack of research that focuses on Southeast and East Asia. Its main originality is in the application of existing stability models to banks in Asia, which has rarely been tested. The research uses an econometric approach, with several methods selected (including pooled OLS, robust fixed effects, and time fixed effects) on base models. Three hypotheses were posed, tested conditions of bank stability related to diversification strategy, use of interest and non-interest income, and strength of the bank balance sheet indicators. Bank performance was modelled using seven indicators grouped in three categories (Stability, Performance, and Stock returns). The outcome of testing variables was mixed. Diversification was shown to have a nonlinear effect on bank outcomes in most cases. However, excessive diversification could be harmful. Similar results were found for the effect of Interest and Non-interest income on the indicator outcomes. The third test showed that the Cost-to-income ratio and Total assets were key balance sheet indicators, but other variables tested were not significant. Overall, the findings of the research imply that banks do need to consider their business models, since these do affect performance of the bank in economic crisis situations and overall bank stability. Also, it can be concluded that the traditional relationship banking with strong balance sheet and effective risk management system is the most appropriate model in Southeast and East Asia.

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Schramm, Sebastian Hermann. "The impact of Basel III on European banks business models." reponame:Repositório Institucional do FGV, 2014. http://hdl.handle.net/10438/12331.

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As Basel III represents a true regulatory paradigm shift in many respects, this paper examines a sample of 81 European banks to detect to what extent the impact of Basel III is already perceptible on alternative business models. It finds out that there have been only minor business model adjustments due to Basel III, while the main changes between 2010 and 2013 have taken place because of other exogenous factors, such as the European Sovereign Debt Crisis. Due to long observation- and transition periods, the major business model changes as response to Basel III are still ahead.
O acordo Basel III representa, em diversos aspectos, uma verdadeira mudança no paradigma regulatório. Este trabalho examina uma amostra composta por 81 bancos europeus para detectar até que ponto o impacto do Basel III é já perceptível em modelos de negócios alternativos. Descobre-se que os ajustes nos modelos de negócios causados pelo Basel III são mínimos, enquanto que as principais mudanças entre 2010 e 2013 deveram-se a outros factores exógenos, como por exemplo a crise da dívida soberana europeia. Devido à longa observação e aos períodos de transição, as maiores mudanças nos modelos de negócios como consequência do Basel III estarão ainda para acontecer.

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30

Molin, Felix. "Cluster analysis of European banking data." Thesis, KTH, Matematisk statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-219597.

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Credit institutions constitute a central part of life as it is today and has been doing so for a long time. A fault within the banking system can cause a tremendous amount of damage to individuals as well as countries. A recent and memorable fault is the global financial crisis 2007-2009. It has affected millions of people in different ways ever since it struck. What caused it is a complex issue which cannot be answered easily. But what has been done to prevent something similar to occur once again? How has the business models of the credit institutions changed since the crisis? Cluster analysis is used in this thesis to address these questions. Banking-data were processed with Calinski-Harabasz Criterion and Ward's method and this resulted in two clusters being found. A cluster is a collection of observations that have similar characteristics or business model in this case. The business models that the clusters represents are universal banking with a retail focus and universal banking with a wholesale focus. These business models have been analyzed over time (2007-2016), which revealed that the credit institutions have developed in a healthy direction. Thus, credit institutions were more financially reliable in 2016 compared to 2007. According to trends in the data this development is likely to continue.
Kreditinstituten utgör en central del av livet som det ser ut idag och har gjort det under en lång tid. Ett fel inom banksystemet kan orsaka enorma skador för individer likväl som länder. Ett nutida och minnesvärt fel är den globala finanskrisen 2007-2009. Den har påverkat millioner människor på olika vis ända sedan den slog till. Vad som orsakade den är en komplex fråga som inte kan besvaras med lätthet. Men vad har gjorts för att förebygga att något liknande händer igen? Hur har affärsmodellerna för kreditinstituten ändrats sedan krisen? Klusteranalys används i denna rapport för att adressera dessa frågor. Bankdata processerades med Calinski-Harabasz Kriteriet and Wards metod och detta resulterade i att två kluster hittades. Ett kluster är en samling observationer med liknande karakteristik eller affärsmodell i detta fall. De affärsmodeller som klustrena representerar är universella banker med retail fokus samt universella banker med wholessale fokus. Dessa affärsmodeller har analyserats över tid, vilket har avslöjat att kreditinstituten har utvecklats i en hälsosam riktning. Kreditinstituten var mer finansiellt pålitliga 2016 jämfört med 2007. Enligt trender i datan så är det troligt att denna utveckling forsätter.

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Taylor, Rowan Alexander Rupert. "Bank business models in base of the pyramid markets in Africa : an analysis of co-creation between banks and stakeholders." Thesis, University of Manchester, 2016. https://www.research.manchester.ac.uk/portal/en/theses/bank-business-models-in-base-of-the-pyramid-markets-in-africa-an-analysis-of-cocreation-between-banks-and-stakeholders(79634ab8-c418-4312-9f7a-9cd851d951f5).html.

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The bottom of the pyramid (BoP) market in Africa is a significant opportunity for multinational banks. To address this banks’ need to increase their understanding of their BoP context, develop new approaches to overcome BoP obstacles, and use technology to create new commercially viable business models. The purpose of this study was to investigate how banks use co-creation with stakeholders to operate in BoP markets in Africa. The research explored how banks provide services to companies and individuals that currently do not use banks services, and acquire understanding by working with companies, individuals and other market actors to generate services that creates an infrastructure for BoP markets to ‘work’. This study addresses the gap in the research on how banks co-create in BoP markets, providing understanding of how banks’ create approaches to customers and operating models to achieve sustainable growth in BoP markets. Empirically, the study examined specific bank projects to better understand how co-creation supports banks to delivers sustainable and scalable business models. The main findings from the empirical research demonstrated positive results, strong leadership and commercial management are critical to banks operating in BoP markets in Africa; concurring with arguments put forward by Casado Cañeque and Hart (2015) and extending London and Hart’s (2010) analysis into a banking context. Research confirmed post-financial-crisis corporate governance of banks and their boards’ ability to ensure they can demonstrate their banks are well managed, and management having a detailed understanding of the operations, has created trade-offs and restrictions on how banks operate in BoP markets. No common strategies emerged to create a new business model for banking in BoP markets in Africa. No immediate significant new direction emerged for banks to overcome their business models’ legacy of inflexibility to address the needs of BoP customers. Results revealed bank proposition development approach remains generally focused on developed, rather than developing, customer contexts and regulations. The majority of BoP customers in Africa remain excluded due to cost, distance, and a lack of suitable products, as variables such as access, cost and regulation made it challenging for banks to provide compelling bank-wide propositions. BoP customers in Africa are becoming easier to access, as banks, card networks, and mobile network operators use digital technology, like mobile phones, to access BoP customer markets at lower costs than traditional business models, allowing new approaches to proposition development, such as test and learn in the field. The findings demonstrated value in co-creation via partnerships, supporting Simanis (2012), who maintained that firms are likely to be successful in BoP markets if they use existing infrastructure and local partnerships to enter BoP markets, and that pioneering work on microfinance initiatives embracing new approaches to digital technology across banking markets has led banks to reconcile the need for new approaches to BoP markets.

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Sellars, Irene Yousept. "Internet and Emerging E-Business Models : Developing an Integrated Analytical Framework for UK Internet Banking and Online Grocery Shopping." Thesis, University of Newcastle Upon Tyne, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.519456.

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Хлопотов, Д. С., and D. S. Khlopotov. "Факторы повышения конкурентоспособности международного банка на российском рынке : магистерская диссертация." Master's thesis, б. и, 2020. http://hdl.handle.net/10995/95063.

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Актуальность исследования обуславливается тем, что банковская сфера в наше время является высоко конкурентной средой и в свете протекающей глобализации и консолидации финансового сектора наблюдается снижение количества частных банков, что вызвано, в свою очередь, процессами слияния, поглощения и неспособностью противостоять крупным агентам рынка, поддерживая необходимые требования, которые выставляются регуляторами. Финансовые институты вынуждены наращивать свой арсенал конкурентных преимуществ, активно использовать нераспределенную прибыль на формирование отличительных конкурентных факторов и заниматься мониторингом существующих предложений на рынке. Как следствие, кредитным организациям необходимо критически подходить к успехам и неудачам иностранных коллег, повышая эффективность банковского бизнеса, формируя собственные уникальные конкурентные преимущества. Целью диссертационной работы является оценка факторов повышения конкурентоспособности международного банка в разрезе сложившегося отечественного финансового сектора. Объектом диссертационного исследования выступает отечественный филиал АО «Райффайзенбанк». Предметом исследования является процесс формирования конкурентных преимуществ АО «Райффайзенбанк», система экономических, организационных и финансовых механизмов повышения эффективности деятельности банка. Результатами выпускной квалификационной работы являются разработка многофакторной модели формирования чистой прибыли, рекомендации по оптимизации существующих процессов и экономическая оценка эффектов от внедрения предлагаемых инструментов.
The relevance of the study stems from the fact that banking is a highly competitive environment and in light of the proceeding of globalization and consolidation of the financial sector, a decrease in the number of private banks, which caused, in turn, processes of mergers, acquisitions, and the failure to counter major market agents, while maintaining the necessary requirements that are set by regulators. Financial institutions are forced to increase their arsenal of competitive advantages, actively use retained earnings to form distinctive competitive factors and monitor existing offers on the market. As a result, credit institutions need to take a critical approach to the successes and failures of foreign colleagues, increasing the efficiency of the banking business, forming their own unique competitive advantages.

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34

Schramm, Sebastian Hermann. "The impact of BASEL III on European Banks business models." Master's thesis, reponame:Repositório Institucional do FGV, 2014. http://hdl.handle.net/10362/30154.

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As Basel III represents a true regulatory paradigm shift in many respects, this paper examines a sample of 81 European banks to detect to what extent the impact of Basel III is already perceptible on alternative business models. It finds out that there have been only minor business model adjustments due to Basel III, while the main changes between 2010 and 2013 have taken place because of other exogenous factors, such as the European Sovereign Debt Crisis. Due to long observation- and transition periods, the major business model changes as response to Basel III are still ahead.
O acordo Basel III representa, em diversos aspectos, uma verdadeira mudança no paradigma regulatório. Este trabalho examina uma amostra composta por 81 bancos europeus para detectar até que ponto o impacto do Basel III é já perceptível em modelos de negócios alternativos. Descobre-se que os ajustes nos modelos de negócios causados pelo Basel III são mínimos, enquanto que as principais mudanças entre 2010 e 2013 deveram-se a outros factores exógenos, como por exemplo a crise da dívida soberana europeia. Devido à longa observação e aos períodos de transição, as maiores mudanças nos modelos de negócios como consequência do Basel III estarão ainda para acontecer.

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35

Oliveira, Viviane Renata Franco de. "Modelo de negócio e internacionalização de empresas: estudo do caso Itaú Unibanco." Universidade de São Paulo, 2014. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-24112014-162813/.

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A utilização de modelos de negócios tem crescido substancialmente nos últimos anos, o que promoveu um aumento significativo de pesquisas voltadas para compreender a lógica de como uma organização cria, entrega e captura valor do ponto de vista econômico, social, cultural ou outros. Presume-se que os componentes previstos pelo modelo de negócio estejam presentes na configuração de negócios já estabelecidos ou novos negócios, inclusive em empresas que buscam a atuação no mercado internacional. No entanto, dentre as abordagens teóricas a respeito da internacionalização das empresas, observa-se que as mesmas não caracterizaram os modelos de negócios empregados pelas empresas em seus processos de internacionalização, já que usualmente focam nos principais aspectos que motivam a internacionalização, os modos de entrada, a compreensão do ambiente global e a busca da excelência funcional. A partir deste contexto, a pesquisa procurou investigar os componentes do modelo de negócio que operacionalizaram as atividades internacionais de uma multinacional brasileira do setor bancário, o Itaú Unibanco. Visando alcançar este objetivo, realizou-se uma pesquisa de caráter qualitativo, por meio de estudo de caso único. Nesse sentido, para o exame dos fundamentos teóricos, foram abordados os conceitos de estrutura, estratégia, escala, escopo, as teorias de internacionalização e a definição conceitual do modelo de negócio. Dentre os principais resultados da pesquisa, foi observado que a internacionalização do Itaú Unibanco ocorreu a partir de vantagens adquiridas no mercado doméstico e que foram posteriormente exploradas no mercado internacional. Em relação ao modelo de negócio, verificou-se que não existe um modelo pré-definido para as operações internacionais e embora praticamente todos os componentes se mostrassem presentes no mercado de destino, alguns sofreram forte adaptação às operações locais, resultante basicamente da estratégia de aquisição.
The use of business models has grown substantially in recent years, which has caused a significant increase in research aiming to understand the rationale of how an organization creates, delivers, and captures value, in economic, social, cultural or other contexts. Business models are employed by both established and new businesses, including companies seeking to expand into international markets. Among the literature studying firm internationalization, there are few studies that describe the business models used by companies in their internationalization processes. Instead, studies have directed attention at the key aspects that motivate internationalization, the modes of entry, understanding the global environment and the pursuit of functional excellence. This study investigates the business model that was used during the internationalization of a Brazilian multinational bank, the Itaú Unibanco. A qualitative research study of a single case was completed to examine the structure, strategy, scale, scope, of the bank\'s strategy in light of internationalization theories and conceptual definitions of business models. The study finds that the internationalization of Itaú Unibanco was sparked by advantages gained in the domestic market that were subsequently exploited in the international market. Regarding the business model, it was found that there is no pre-defined model for international operations and virtually all factors showed consistency to the particularities of the target market, being highly adapted to local operations, mainly due to the acquisition strategy.

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36

Vermandel, Gauthier. "Essays on cross-border banking and macroprudential policy." Thesis, Rennes 1, 2014. http://www.theses.fr/2014REN1G036/document.

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L'objectif de cette thèse est d'évaluer la conduite des politiques macroprudentielles dans une union monétaire hétérogène, comme la zone euro, en s'appuyant sur les très récents développements théoriques et empiriques des modèles en équilibre général dynamique stochastique (DSGE) et de l'économétrie Bayésienne. Dans notre analyse, nous considérons deux faits majeurs caractérisant l'Eurosystème: la divergence des cycles économiques entre le cœur et la périphérie de la zone et l'intégration bancaire à l'origine de spillovers lors de la mise en œuvre de politiques macroprudentielles. Voici les résultats que nous tirons de nos expérimentations. D'abord, la mise en œuvre des mesures de politique macroprudentielle améliore le bien-être au niveau de l'union. Les gains de bien-être plus élevés sont observés lorsque les pays utilisent plusieurs instruments et lorsque la politique macroprudentielle est mise en œuvre de manière granulaire. Cependant, la conduite de la politique macroprudentielle n'est pas forcément bénéfique pour tous les pays participants: dans la plupart des cas, les pays périphériques sont gagnants tandis que les pays du cœur enregistrent des faibles gains de bien-être voire parfois des pertes. Dans nos simulations, nous constatons qu'il existe un équilibre favorisant le bien-être à la fois aux niveaux mondial et national pour tous les participants mais sa réalisation nécessite une intervention d'une autorité fédérale telle l'ESRB. Enfin, l'introduction de prêts transfrontaliers ouvre un nouveau canal de transmission international important qui tend à augmenter les gains de bien-être associées à des mesures macroprudentielles. Ignorer ces prêts bancaires transfrontaliers peut conduire à des résultats fallacieux dans le classement des différents plans d'instauration de la politique macroprudentielle
The aim of this thesis is to evaluate the conduct of macroprudential policies in an heterogenous monetary union, such as the Eurozone, by borrowing on the very recent theoretical and empirical developments of Dynamic Stochastic General Equilibrium (DSGE) models and Bayesian econometrics. We account for two main patterns of the Eurosystem: the business cycles divergence between core and peripheral countries and the globalization of banking and its spillovers when implementing macroprudential policies. As a main result, the implementation of macroprudential policy measures improves welfare at the global level. The highest welfare gains are observed when countries use multiple instruments and when macroprudential policy is implemented in a granular fashion. However, the conduct of macroprudential policy is not a free lunch for participating countries: in most situations, peripheral countries are winners while core countries record either smaller welfare gains or even welfare losses. In many policy experiments, we find that there exists an equilibrium that combines welfare increases at both the global and national levels for all participants but its enforceability requires a federal action, thus justifying the existence of a coordination mechanism such as the ESRB in the Eurozone. Finally, the possibility of banks to engage in cross border lending introduces an important spillover channel that tends to increase the welfare gains associated to macroprudential measures. Ignoring this phenomenon may lead to fallacious results in terms of the welfare ranking of alternative implementation schemes

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Wu, Sui Vang. "The use of neural networks in financial models." Thesis, University of Macau, 2001. http://umaclib3.umac.mo/record=b1636268.

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38

Chan, Kwok Ho. "Financial models for waste-to-energy facilities : the case in China." Thesis, University of Macau, 2001. http://umaclib3.umac.mo/record=b1636211.

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Reichert, Taís Araldi. "Fatores comportamentais e tecnológicos como determinantes na adoção de modelo de relacionamento bancário digital para micro e pequenas empresas." reponame:Repositório Institucional da UCS, 2017. https://repositorio.ucs.br/handle/11338/3449.

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A disponibilização de serviços bancários digitais é crescente, mediante a necessidade de acompanhar a evolução da tecnologia no setor de serviços. No entanto, para o sucesso das estratégias bancárias no fornecimento de serviços e produtos de forma digital, é primordial analisar a aceitação e adoção deste modelo de atendimento por parte de seus usuários. Sendo assim, esta dissertação avaliou a percepção de usuários em relação a adoção de serviços bancários digitais, por meio da investigação de um Modelo de Relacionamento Bancário Digital, proposto para o atendimento de cliente micro e pequenas empresas, selecionados pelo Banco Beta. Diante desta perspectiva, este estudo propôs como objetivo geral analisar as relações existentes entre fatores comportamentais, embasados por meio da teoria UTAUT (Teoria Unificada de Aceitação e Uso da Tecnologia), e fatores tecnológicos, contidos no modelo teórico de TTF (Modelo Ajuste da Tarefa-Tecnologia), como determinantes para a adoção de um modelo de relacionamento bancário digital. Os procedimentos metodológicos consistiram quanto a abordagem do problema, em uma pesquisa quantitativa, de caráter descritivo, adotando-se como estratégia para coleta de dados o método survey, com 156 respondentes. A análise dos dados foi realizada a partir da aplicação das técnicas de estatística multivariada, com a utilização da Modelagem de Equações Estruturais, com o propósito de analisar e compreender as relações propostas no modelo teórico da pesquisa. Para esta pesquisa foram propostos três modelos teóricos, investigando-se individualmente os modelos UTAUT e TTF e posteriormente a unificação dos modelos para uma visão integrada. Para o modelo teórico de TTF, os resultados apontam que as características da tarefa influenciam significativamente e positivamente as características da tecnologia; as características de tecnologia influenciam significativamente e positivamente o ajuste do modelo, o qual por sua vez influencia significativa e positivamente a intenção comportamental. Para o Modelo Teórico de UTUAT foram evidenciadas relações de influência significativas e positivas, da expectativa de desempenho para a intenção comportamental, da expectativa de esforço para antenção comportamental, do hábito para a intenção comportamental e do hábito para o comportamento de uso. Quanto ao Modelo Teórico integrado, as relações de influência significativas e positivas se confirmam da expectativa de desempenho para intenção comportamental, do hábito para a intenção comportamental, das características da tecnologia para o ajuste. Este estudo contribui para o entendimento das percepções de usuários, fornecendo evidências empíricas das relações comportamentais e tecnológicas como determinantes na adoção da tecnologia de serviços bancários digitais
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The availability of digital banking services is increasing, with the need to follow the evolution of technology in the service sector. However, for the success of banking strategies in the provision of services and products in digital form, it is essential to analyze the acceptance and adoption of this service model by its users. This dissertation evaluated the perception of users in relation to the adoption of digital banking services, through the investigation of a Digital Banking Relationship Model, offered to micro and small companies, which are customers of Banco Beta. In this perspective, this study proposed as a general objective to analyze the existing relations between behavioral factors, based on the UTAUT theory (Unified Theory of Acceptance and Use of Technology), and technological factors, contained in the theoretical model of TTF ( Task-Technology Model Fit), as determinants for the adoption of a model of digital banking relationship. The methodological procedures consisted of a quantitative research, of a descriptive character, adopting as strategy for data collection the survey method, with 156 respondents. Data analysis was performed using the multivariate statistical techniques, including the Structural Equation Modeling, with the purpose of analyzing and understanding the relationships proposed in the Theoretical Model of the research. For this research three theoretical models were proposed, investigating individually the UTAUT and TTF models and later the unification of both models as an integrated vision. For the theoretical model of TTF, the results show that the characteristics of the task influence significantly and positively the characteristics of the technology; the characteristics of technology significantly and positively influence the adjustment of the model, which in turn influences significantly and positively the behavioral intention. For the UTUAT Theoretical Model, significant and positive influence relationships were evidenced, from performance expectancy to behavioral intention, from expectation of effort to behavioral intention, from habit to behavioral intention and from habit to behavior of use. As for the Integrated Theoretical Model, the positive and significant influence relationships are confirmed from the performance expectancy for behavioral intention, from habit to behavioral intention, from the characteristics of the technology to the adjustment. This study contributes to the understanding of user perceptions, providing empirical evidence of behavioral and technological relations as determinants in the adoption of digital banking technology.

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Cronqvist, Ellen, and Fredrik Smed. "Affärsmodeller på den svenska bankmarknaden." Thesis, KTH, Entreprenörskap och Innovation, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-191104.

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Den senaste finanskrisen har visat att det finns ett behov av ökad övervakning av aktörerna på den finansiella marknaden. Ett sätt att förbättra övervakningen är genom att öka förståelsen för företagens affärsmodeller. Syftet med detta examensarbete är att hitta likheter i affärsmodellerna hos svenska kreditinstitut och hos svenska filialer av utländska banker. Mer specifikt syftar denna studie till att hitta grupper av företag, i denna rapport kallat kluster, med liknande affärsmodell och till att identifiera existerande affärsmodeller på den svenska bankmarknaden. Informationen som användes i studien är från årsredovisningar som rapporterades till Finansinspektionen för åren 2000, 2005, 2010 och 2013. För att möjliggöra en jämförelse mellan olika aktörers data har kvoter skapats utifrån deras balans- och resultaträkningar. För att reducera mängden data och för att få ett fåtal okorrelerade variabler användes principalkomponentanalys. Metoden som användes för att hitta klustren är en hierarkisk agglomerativ metod kallad Wards metod. Antalet kluster bestämdes genom att använda Calinski- Harabasz-index. Bootstrapping användes för att testa stabiliteten hos de identifierade klustren. Denna studie visar att mönster existerar på den svenska bankmarknaden och att det är möjligt att hitta kluster av företag med liknande affärsmodell. Svenska filialer av utländska banker och svenska kreditinstitut har studerats separat. För svenska kreditinstitut hittades sex kluster och för att beskriva affärsmodellerna kallas de: Universalbanker, Sparbanker, Leasingföretag, Icke inlåningsfinansierade kreditinstitut, Servicefokuserade kreditinstitut och Övriga kreditinstitut. De mest stabila klustren, det vill säga de med högst likhet, är Sparbanker och Leasingföretag. Klustret med lägst likhet är Universalbanker och detta bör ses som ett mönster i använd data snarare än ett kluster. För de svenska filialerna av utländska banker hittades tre kluster och dessa kallas: Banker, Servicefokuserade kreditinstitut och Övriga kreditinstitut. Dessa kluster är stabila.
The recent financial crisis has emphasized the need for improved supervision of the actors on the financial market. One way to improve supervision is through better understanding of business models. The aim with this thesis is to find similarities in business models for Swedish credit institutions and for Swedish branches of foreign banks. More specific this study aims to find groups of companies, in this paper called clusters, with similar business models and identify existing business models in the banking market. The data used in this study are financial statements reported to the Swedish Financial Supervisory Authority for the years 2000, 2005, 2010 and 2013. In order to compare the companies’ data, ratios from the income statements and balance sheets have been created. To reduce the amount of data and arrive at a smaller set of uncorrelated variables, principal component analysis was used. The method used for finding the clusters was a hierarchical agglomerative clustering method called Ward’s method. The number of clusters was determined using Calinski-Harabasz index. Bootstrapping was used in order to test cluster stability. This study shows that patterns in the Swedish banking sector exist and that it is possible to find clusters of companies with similar business models. Swedish branches of foreign banks have been treated separately from Swedish credit institutions. For Swedish credit institutions a division into six clusters was found to be most suitable and in order to describe the business model the clusters are named: Universal banks, Savings banks, Leasing companies, Non-deposit funded credit institutions, Service-focused credit institutions and Other credit institutions. The most stable clusters, that are the clusters with highest similarity, are Savings banks and Leasing companies. The cluster with lowest stability is Universal banks and it could be considered as a pattern in the data rather than a cluster. For Swedish branches of foreign banks, three clusters were found to be most suitable and the clusters are named: Banks, Service-focused credit institutions and Other credit institutions. These clusters are stable.

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41

Olausson, Alexander, and Charlie Essland. "Barriers for Responsible Investments: Facilitating a Greener Economy : -A Multiple Case Study of Asset Management Companies." Thesis, Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:ltu:diva-69467.

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Purpose – The purpose of this research is to develop and contribute with an improved understanding of socially responsible investing and its barriers within the asset management sector. To accomplish the purpose of this research, four areas have been investigated; sustainability, business models, socially responsible investing, and barriers for socially responsible investing. Method – Since the research aimed to use the existing theory, and at the same time explore and gain understanding within the area of sustainable, or responsible, investments, the research approach had iterative characteristics with theoretical and empirical findings. Therefore, an abductive research approach was chosen. For the gathering of data, a multiple case study was conducted by interviewing people working within asset management companies. For the analysis of the data, constant comparison, multilevel interviews, and thematic analysis were used. Results – First, the results indicate that socially responsible investments have greatly affected the business models for asset management companies, and responsible investments are starting to become more of a hygiene factor than a way of differentiation. Second, the most significant barrier for the increase of responsible investments is preconceptions and lack of knowledge. This barrier is rooted in an underlying issue, that is lack of transparency regarding asset management companies’ investments. Furthermore, the findings indicate that government actions within the market invested in, was not such a grand barrier as presented in the literature. Theoretical contributions – The main theoretical contribution with this research is the identification of the barrier preconceptions and lack of knowledge, as this is not highlighted in the literature, but among the asset management companies it was highly significant. By analyzing the findings with an institutional theory lens, it is an understandable behavior as there are no incentives for change, hence the managerial contributions consist of regulations. Managerial contributions – The practical contributions with this report is the need for reformed regulations in the industry where asset management companies are operating, in order to increase transparency. By seeing the issue through the lens of institutional theory, it is unlikely for self-regulations to happen as the incentives are not great enough. For self-regulation to happen, the agency costs need to surpass the costs for increased responsible investments, as it would generate enough incentives for a change to happen.

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42

Алескеров, Ф. Т., В. Ю. Белоусов, and П. К. Бондарчук. "Бизнес-модели российских банков: типология, структура, приверженность выбору." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63296.

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За последнее десятилетие наблюдается стремительное развитие российского банковского сектора. В условиях растущего рынка банковских продуктов и услуг особое внимание стало уделяться тому, в каком направлении развиваются банки, какие источники привлеченных средств они используют, что будет способствовать их устойчивому финансовому положению в будущем.

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43

Aukūnas, Justinas. "Verslo ciklo poveikis bankų rizikai." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2014. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2010~D_20140625_184908-99440.

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Vykdydami savo veiklą bankai susiduria su įvairia rizika, susijusia su lūkesčiais, kad gaunama grąža kompensuos prisiimtą riziką. Bankų veiklos rizikingumą sustiprina ne tik vidinės bankų valdymo klaidos, bet taip pat ekonomikos svyravimai arba verslo ciklai. Ekonomikos augimo laikotarpiu bankai optimistiškai vertina skolininkų ateities perspektyvas ir todėl vykdo liberalią kreditų teikimo politiką. Prasidėjus ekonomikos kritimui, sulėtėjus pinigų srautams, bankų rizikingumas išauga, tai reikalauja didesnių atidėjinių, rezervų ir aukštesnio kapitalo lygio. Problemos aktualumą patvirtina ir paskutinė finansų krizė, kuri yra didžiausia nuo Didžiosios depresijos laikų. Finansų sektoriuje kilusi krizė atsiliepė „tikrajai“ ekonomikai ir sukėlė ekonominiams sunkmečiams būdingus padarinius. Todėl yra ieškoma būdų kaip tinkamai vertinant bankų riziką, laiku užkirsti kelią finansinėms krizėms, o kartu išvengti bereikalingų suvaržymų, stabdančių finansų sektoriaus ir viso ūkio plėtrą. Dėl visų minėtų priežasčių bankų rizikos problemos pastaruoju metu susilaukia daug mokslinės visuomenės, bankų priežiūros ir pačių bankų dėmesio. Darbo objektas – pasirinktų, Lietuvoje veikiančių, komercinių bankų riziką atspindintys rodikliai ir jų ryšys su verslo ciklu. Darbo tikslas – ištirti verslo ciklo poveikį bankų rizikai. Darbo tikslui pasiekti, darbe numatoma išspręsti šiuos uždavinius: • Išskirti bankų rizikos šaltinius; • Išanalizuoti kaip bankų rizika pasikeičia, kintant ekonominėms sąlygoms... [toliau žr. visą tekstą]
Banks in the course of their work are confronted with various risks. That’s risks are associated with the expectation, that the return will compensate the risk assumed by bank. Risk in banking activities not only strengthens the internal management of a bank error, but also economic fluctuations or business cycles. In economic growth times, banks are optimistic about the future prospects of the borrowers and therefore banks acts a liberal supply of credit policies, reducing lending standards. When economy stat’s to fall, the cash flow of money will slow, bank risk profile increases, it requires larger provisions, reserves and a higher level of capital. The work issues confirms the relevance of the last financial crisis, which is the largest since the Great Depression. The financial sector crisis effected "the real" economy and financial crisis caused the specific effects of economic recessions. So it is looking for ways of properly assessing the risk of bank, and to prevent financial crises in time, to avoid unnecessary constraints hindering the financial sector and the economy development. For all these reasons, the banks' risk problems recently attracts many scientific societies, banking supervision, and most banks focus of attention. The object of work - the selection, the commercial banks, operating in Lithuania, risk-reflective indicators and indicators link to the business cycle. The aim of work - to explore the business cycle effects of bank risk. To achieve the aim of... [to full text]

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44

Hsu, Chen-Fen, and 徐珍芬. "Corporate Strategy and Business Model in Taiwan's Banking Industry." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/945632.

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碩士
國立清華大學
高階經營管理碩士在職專班
106
The Financial Supervisory Commission ("FSC") aspires that the state-owned banks to target large-scale regional banks and target Asian regional markets that still have potential for growth。 Under this aspiration， domestic banking companies will expand overseas markets， mix their business focus， and solve problems arising from excessive competition in the domestic business environment。　 Net Interest Margin compression of Taiwan’s banking industry as well as the over-banking of the operating environment caused by liberalization has affected the profitability of the domestic market。 According to statistics from the Central Bank and， FSC that the average net interest spread of the banking industry in Taiwan is only slightly higher than 1%。 The domestic market is relatively competitive and the bank assets are small。 The largest Taiwanese bank， for example， has a total assets of NTD4。19 trillion。 It has beyond 5% of the assets of ICBC。 The banking industry has actively looking Overseas opportunities and to find the way to mix product and/ or business transfer。 To promote the international competitiveness of Taiwan’s banking industry， the government encourages Bank “to go out of Taiwan and deploy Asia” In particular， the Association of Southeast Asian Nations (ASEAN)， which has a relatively low financial penetration rate， is a key target。 It is expected that a large regional bank would be cooked in the next three to five years。 This study is mainly addressed the strait bank industry is facing from  three phases of overseas development of Taiwan's banking industry: 1) Undeveloped: Cooperate and implement government policies; 2) Development period: Financial freedom and internationalization policies; 3) Growth period: Follow-up enterprise internationalization; as well as  Financial services of digitalization is initiated by Banking Bank 3。0 from financial entities， aiming at digitalization and activism of financial services， and it has come to Bank 4。0 FinTech to significantly impact the development direction and future of the financial industry。 In current global financial institutions' globalization， liberalization of the over-competitive banking environment， and the transformation of new cyber finance in the face of technological innovation， consumers need globalization， one-shop products and services。 The bank industry will lead the financial institutions to provide more rapid， convenient and convenient financial services under the innovative transformation。 This study first identifies opportunities and analyzes markets， and uses a series of decision-making analysis to find out the ultimate future direction。 The research proposals and strategies at the end of this study aims to provide direction for banking business strategy planning， identify long-term advantages in the competitive environment and the world of innovation; the future development accompanying with its actions and wau forward， depends on careful analysis of business environment。 Each bank shall assess their abilities and capabilities prior to identifying their positioning through strategic management procedures and integrate a set of optimal business strategies in order to respond to the ever-changing business environment。 Keywords: Long-term advantage after excessive competition， digitization of financial services， strategy， decision making analysis

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45

Tseng, Wan-Xuan, and 曾菀萱. "A study on Business Model of WealthManagement Banking in Taiwan." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/36894176545397528160.

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碩士
朝陽科技大學
保險金融管理系碩士班
99
bstract Wealth management is the most important service business development for banks ,but it is not easy to develop a good wealth management strategy. In this study , the four banks were to be analysized by Scorecard technics. The results and suggestions were provided for the business improvement of banking industry in Taiwan.

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46

Chou, Chih-Chi, and 周致祺. "A Study on Business Model of Installment in Consumer Banking." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/4px3hv.

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碩士
國立臺灣大學
商學研究所
105
Installment is a common commercial behavior in our daily life. It moves unaffordable current expense to later periods by combination of loan and consumption. For business, it is also a way of payment for promoting consumers to buy more. Through the trend of Fintech, more and more business of financial service supplied consumers with more convenient life or high-quality consumption in payment, lending or installment and build creative business model. This study aims to do a systemic analysis via research on installment, Fintech, and lending, and observed the consumer environment of installment in Taiwan as well as related business and consumer interview to depict the demand and motivation of installment. By combination of the above, this thesis provides recommendations on operating installment platform in Taiwan market. This thesis suggest that the business focus on the young and students, with high potential purchasing power in the future. Through installment, the business could obtained these customers and is good at marketing other financial service in the future. The study also anticipate the probability of cooperation between installment business and credit card, and have the credit card became the payment tool of installment.

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47

CHEN, CHIEN HSUN, and 陳建勳. "Research for Business Model of Robot Advisor on Banking Wealth Management." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/r9y648.

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碩士
國立臺北科技大學
管理學院資訊與財金管理EMBA專班
107
The business of wealth management in banking industry has been developing for nearly 20 years in Taiwan. However, with the popularization of smart phones and online banking, the advancement of computing technology, and the participation of non-finance enterprises, the development of Fintech has already been focused seriously. In fact, Fintech has begun to change the operation models of banks and to impact the traditional wealth management business services for banks as well. In recent years, the innovation of wealth management robots has processed continuously. For many other countries, the early development of regulations and computing technology results in diversified platforms for people to manage their wealth efficiently. In the contrary, it seems not to have well-enough condition for wealth management in Taiwan due to the late regulation release. As a result, even there are many firms from various industries participating in the development of finance robots, the products linked and functions provided by these robots are still on the simple models of asset allocation, which obviously do not meet the needs of bank customers. Therefore, my interest is aroused to investigate more Fintech development in wealth management for banking area. In this study, by collection and analyzing data, I evaluate the development of finance robot advisors and employ the method of expert interviews to explore the business model of finance robot development in the future. With the findings of this study, I might provide valuable information for banks to decide strategies for the business of wealth management.

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48

Roux, Pieter Alexander. "A risk-based strategic business model for a bank." Thesis, 2012. http://hdl.handle.net/10210/7411.

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D.Comm.
Strategic management is a concept that is interpreted in many different ways in business. Banks have all subscribed to the process, but to various levels of application. In a highly competitive market and with the ever changing needs of customers, top management of banks have to utilise all resources optimally through their strategic management processes. What has made the task of banks more complex and difficult is that they have to take risk into account, more particularly interest rate risk. The risk concept has to be integrated into a bank's activities to form an integral part of the strategic management process. How to practically deal with the strategic management process of a bank by taking risk into account, was dealt with. An insight was given into the important role that risk focused strategic management can play in a bank to gain a competitive advantage. The study was limited to the four major bank players within the banks and financial services industry in South Africa, being ABSA, FNB, Nedcor and SBIC. Risk management has had many shifts in focus during modern day banking. On the threshold of the twenty-first century the banking and financial services industry is faced with even greater challenges than before. The industry is in an ever larger global arena which is very competitive and highly regulated. Many large non-bank competitors, that are well equipped with similar products and services, are entering this market. They have low barriers to entry as they have real advantages in that they have substantially less capital requirements and fewer regulatory constraints than those of the banking industry. A risk-based strategic business model was devised and developed by following a top-down approach to a firm. Models and theories were incorporated in this process. An organisation was broken down into activities, inherent risks identified, the levels of risk determined through the assessment of risk factors and elements, with the extent of control being determined. After having conceptually modelled the risk-based SBM, it was put to practice, more specifically for a bank. The risk-based strategic management model was then applied to a bank's strategic management process. The four different phases of the strategic management process, namely strategic information gathering, planning with formulation, implementation and control, were all dealt with. It was ascertained through interviews that all four of the major local banks had subscribed to strategic management, but applied it with different intensities. Strategic management, however, was still in an infant or start-up phase within the banking industry. In conclusion, the assessment of a bank's internal situation, by taking risk into account, will provide it with an objective view on its own capabilities. A competitive edge over its rivals can be obtained by taking calculated business risks and outcontrolling rivals.

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49

WU, JU-LING, and 吳如玲. "On the differential Competitive Strategy and Business model of the banking industry." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/97518277786411460272.

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碩士
淡江大學
國際企業學系碩士在職專班
99
The environment in of financial institutions in Taiwan is getting tougher day by day. The fuse for it is the booming of financial liberalization and Taiwan’s insertion into the WTO. Due the above mentioned factors, the entire financial institutions are facing challenges from large international financial institutions. This change forces the financial institutions to acknowledge themselves becoming a completely free competition business, and also, facing a life and death situation. This sign can be seen in the recent intense competition among the financial institutions. However, specifically, from product planning, product sales, one stop services, and also financial products launches by these financial institutions we can prove the above statement. In recent years, the financial liberalization policies cause the banking industry into the ecological environment of perfect competition. The emergence of new financial products, changes in financial strategies, and the improvement in quality of service benefit the consumers most, but have also made the overall use of resources more efficiently. Furthermore, making the domestic market especially needs the more sophisticated groups to accept the international standard of financial services. Under this circumstance, the financial institutions need to achieve their performance and management, differentiating the financial industry will be the key focus to achieve the financial market’s main source of revenue and to increase the competitiveness of the financial market. Based on the above findings and research, this study focuses on the practitioners and for future researches.

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50

Lai, Ming-hui, and 賴敏惠. "A Case Study on Business Model of Wealth Management Banking in Taiwan." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/99064878092265458081.

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Dissertations / Theses on the topic 'Banking Business Model'

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