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Journal articles on the topic 'Banking Business Model'
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1
D’yakonova, I., O. Pakhnenko, and L. Shevchenko. "NEW APPROACHES TO BANKING BUSINESS MODELS IN THE DIGITAL ECONOMY." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 89–94. http://dx.doi.org/10.21272/1817-9215.2019.1-12.
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The factors of the post-crisis development of the world banking system, the strengthening of the role of information technology in all industries, the increasing role of innovative Fintech intermediaries in the banking market encourage the management of banks to revise traditional business models and to form new approaches to managing the modern bank. In the article the authors aimed to investigate the impact of digitization on the choice of banking business model and the development of algorithm for estimating a bank’s business model. Traditionally banks choose one of five business models: lending, high leverage, investment, fee, margin. Most operating banks opt for traditional models because the business environment requires it. However, maintaining the bank’s competitiveness, enhancing its efficiency and resilience to financial imbalances is possible by building an innovative business model that takes into account the modern diffusion of information technology and the functioning of FinTech companies as an alternative to traditional banking business. Although nobody knows yet what will replace the current business model, there are currently three approaches to assimilating FinTech in banking: the Financial Control Center, Banking-as-a-Service, the Niche Bank. The choice of the banking business model and its transformation should be accompanied by an assessment of the bank’s business model. Thus, an important component of banking management in an unstable environment is the analysis of the business model of the bank and its transformation in order to minimize the impact of possible negative effects of financial crises on the performance of the bank. The proposed algorithm for estimating a bank’s business model includes 6 stages: preliminary assessment of the main components of the bank’s business model; assessment of the business environment of the bank; stress testing of the viability of the bank’s business model; evaluation of the bank’s strategy; identification of key vulnerabilities to which the bank’s business model is prone or likely to be vulnerable; and justification of the results and formation of effective conclusions. Keywords: banks, banking business model, banking management, digital economy, business model innovation.
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Thavikulwat, Precha, and Bosco Wing Tong Yu. "Interbank Interest-Rate Model for the Banking Business of a Multi-Industry Game." Simulation & Gaming 50, no. 6 (August 12, 2019): 667–89. http://dx.doi.org/10.1177/1046878119858376.
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Background. Even though banking undergirds all businesses of the modern economy, not much has been published about how the banking business should be simulated in a business game. A model of the interbank interest-rate market is useful for multi-industry games that includes the banking business, but such a model has not be described in the extant literature. Aim. Our aim is to present a spliced model of the interbank interest-rate market that is derived from the nature of the modern banking system, and to show how the model is used in a game that gives participants practice in executing strategic business decisions and setting national monetary policies. Method. Mathematics based on equilibrium arguments is used to formulate the model. Argument. The interbank interest rate can be derived for three conditions depending on the relationship between aggregated loan requirements and aggregated loanable funds. The derived curves meet smoothly at a single splice point. Conclusion. The spliced model should be useful in any multi-industry game that includes the banking business.
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L, Shilpa B., and Shambhavi B. R. "Changing Banking Business Model Using Sentiment Analysis." International Journal of Computer Sciences and Engineering 7, no. 1 (January 31, 2019): 291–95. http://dx.doi.org/10.26438/ijcse/v7i1.291295.
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Martin, A., T. Miranda Lakshmi, and V. Prasanna Venkatesan. "An information delivery model for banking business." International Journal of Information Management 34, no. 2 (April 2014): 139–50. http://dx.doi.org/10.1016/j.ijinfomgt.2013.12.003.
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Memic, Elma, Markus Lamest, Sven Muehlenbrock, and Ashwin Ittoo. "How Does the Banking Business Model Evolve and Integrate in a Platform Ecosystem?" Journal of Business Ecosystems 2, no. 2 (July 2021): 1–23. http://dx.doi.org/10.4018/jbe.295556.
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The banking environment is changing rapidly and banks, in order to stay competitive, need to take these changes into consideration. This study focusses on Open Banking, a phenomenon that has been accentuated by the regulation PSD2. Indeed, our aim is to study the impact of Open Banking on banks’ business models and to explore how this phenomenon led banks to go towards a platform-based business model. Our contribution is to suggest a business model, based on previous theoretical business models, that will suit banks’ needs to elaborate their own strategy and way of creating value by considering the recent developments in the banking sector.
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Ahmed, Jashim Uddin, and Asma Ahmed. "Agrani Doer Banking: Agent Banking Business in Bangladesh." Business Perspectives and Research 6, no. 2 (April 17, 2018): 154–64. http://dx.doi.org/10.1177/2278533718765532.
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Agent banking involves the provision of banking services through non-conventional means such as retail outlets with the use of technology. In developing countries, such as Bangladesh, agent banking acts as a medium between the rural unbanked majorities and banking services that they would otherwise not have access to. The case analyzes how innovation in the banking sector can aid poor people to gain access to financial institutions through the Agrani Doer banking business model. It elaborates on the rules and regulations of agent banking and how the first state bank of Bangladesh, Agrani Bank, establishes coverage to places not deemed possible before. The concept of agent banking, in an illustrative case, is linked to Ansoff’s Growth Matrix as Agrani Bank uses technology and innovation in its business strategies to achieve its desired growth goals.
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Bubnova, Yulia. "Transformation of Bank's Business Model in Terms of Digital Economy." Bulletin of Baikal State University 29, no. 3 (September 12, 2019): 425–33. http://dx.doi.org/10.17150/2500-2759.2019.29(3).425-433.
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Information technology, artificial intelligence penetrate into the banking sector, making it more mobile and flexible. Needs and preferences of customers, ways of providing financial services are changing. IT-companies that offer traditional banking products in a new, present day’s format are entering the financial services market. Banks have to invest huge amounts of money in developing banking innovations in order to remain in demand. All this requires banks to change not only the ways of providing their services and communication with customers, but also the qualitative restructuring of operational processes, methods and approaches to their management, corporate culture. The article examines the changes in the main components of the banking management system under the influence of digital technologies: the customer segment, the operating processes and the business model. It pays particular attention to the need of changing the existing banking business mode. It summarizes the main financial technologies that allow to transform banking business in accordance with the requirements of the digital economy.
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Kryvych, Yana, and Tetiana Goncharenko. "Banking strategic management and business model: bibliometric analysis." Financial Markets, Institutions and Risks 4, no. 1 (2020): 76–85. http://dx.doi.org/10.21272/fmir.4(1).76-85.2020.
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The article is devoted to the analysis of tendencies and research of approaches to the definition of strategic management of the bank in the scientific literature, to the identification of future perspective directions of research of this problem. VOSviewer software was used for bibliometric analysis, the object of the study was 5901 articles in scientific journals indexed by Scopus and Web of Science scientific databases, the study period was the time interval from 1991 to 2019. The article substantiates that in 2007-2009 the focus of the study has shifted from general strategic management issues to risk management issues of the bank’s business strategy. In 2019, the number of papers devoted to strategic bank management increased rapidly – by 343% compared to 2007. The use of the VOSviewer tool revealed 5 clusters of the relationship between strategic bank management theory and other theories based on scientific concepts. The largest research cluster combines the expertise of researchers who study strategic bank management in close connection with concepts that study the bank’s business models, business strategy, competition, banking performance, banking services, and more. The second-largest cluster brought together scholars who study the theory of strategic bank management at the intersection with the theories of strategic planning, finance, commerce, e-commerce, management, information management, planning, investing, technological development, and more. The third-largest cluster brings together scholars who consider strategic bank management through the lens of corporate governance, corporate strategy, financial market trends, retail banking, bank profitability, and more. The conducted research leads to the conclusion that business strategy, profitability, and strategic risk management are the priority components of banking strategic management. Keywords: bank, banking, strategy, strategic management, business strategy, business model.
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Zhang, Yun. "Research on Building IMC Model in Mobile Bank." Advanced Materials Research 998-999 (July 2014): 903–6. http://dx.doi.org/10.4028/www.scientific.net/amr.998-999.903.
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Mobile banking as a fusion of mobile technology and banking business is becoming the bank to develop business. This paper uses historical induction and logical reasoning, then combine variety research methods in general and specific measures theory research to study. Transferring value from the customer point of view, we design integrated marketing communication system of mobile banking solutions..
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Goncharenko, Tetiana. "From Business Modelling to the Leadership and Innovation in Business: Bibliometric Analysis (Banking as a Case)." Business Ethics and Leadership 4, no. 1 (2020): 113–25. http://dx.doi.org/10.21272/bel.4(1).113-125.2020.
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The analysis of approaches to defining the banking business model showed that digital financial technologies, e-commerce, information management are important factors that form the model of leadership and innovation in business. The development of risk management, risk assessment, profitability-risk-stability triangle balancing, which create relevant trends in the formation of business leadership models, has increasing importance for managers, clients and shareholders. The article identifies the dominant tendencies in the development of scientific thought (based on 6377 articles from 1991-2019 in journals indexed by Scopus and Web of Science) regarding the transformation of business models in banks and the future research directions with the help of bibliometric analysis (VOSviewer). The conducted analysis showed that in 2012-2017 the number of scientific articles about the transformation of banks’ business models began to increase. It proves the relevance of business modelling for leadership and innovation in business. At the same time, the focus of research has shifted from general strategic management issues to risk management issues. In 2017, the number of articles studying the banking business model increased by 148% compared to 2012. Therefore, these articles in the subject area observe such areas as business, management, economics, econometrics, finance, social and computer sciences. Among the scientists who studied the banks’ business models, most are scientists from the US, UK and India. In 2018, there was a significant increase in the number of articles on banking strategic management published in high impact journals, such as the Journal of Banking and Finance, the International Journal of Bank Marketing and Economic Modeling. The use of the VOSviewer has identified 8 research clusters exploring the issue from different perspectives. The first (largest) cluster consists of studies that examine banks’ business models through decision-making and information management technologies, risk assessment and minimization mechanisms, the relationship between banking sales dynamics and the information databases etc. The second-largest cluster brought together researchers examining banks’ business models in terms of the financial crisis effects, regulatory changes, business efficiency and stability (z-score), etc. The third-largest cluster is the study of business models through the dynamics of transformations in the financial market, in lending behaviour and business cycles. These three largest clusters confirm that the key to leadership and innovation in banking is the balance between the profitability-risk-stability triangle and information technology. Keywords: Bank, Banking, Business Model, Leadership and Innovations in Business.
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Kar, Brajaballav. "Rural Business Owners, Banker and Services: A Behaviour Model." SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies 46, no. 4 (December 2019): 219–34. http://dx.doi.org/10.1177/0970846419897154.
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Rural business owners have a continual need for credit. The lack of access to institutional finance is partly mitigated by the mega financial inclusion program in India (Pradhan Mantri Jan Dhan Yojana, PMJDY) in August 2014. Other than access, exclusion can also be caused by individual characteristics, intention, attitude, perceived barriers, awareness, and suitability of product and services, banking requirements as well as banker’s behaviour. This research proposes and validates a comprehensive model of outcome based on these factors in the context of PMJDY. Business owners from rural areas who opened bank accounts under PMJDY were the respondents. The study finds that the banking outcome is significantly influenced by banker behaviour, product awareness, and the general attitude towards banking. The attitude towards specific products, demographics and income level of the rural businessmen do not influence the outcome of the banking process. Perceived inconveniences in banking or deterrence influence the intention and general attitude. Thus, the general attitude moderates the inconvenience and outcome. The product awareness is influenced by the customer’s attitude and banker’s behaviour, which in turn influence the outcome; an increase in the level of awareness will positively influence the outcome and should be the second step of financial inclusion.
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Pham, Duy Khanh. "Digital Banking Adoption in Vietnam: An Application of UTAUT2 Model." Webology 19, no. 1 (January 20, 2022): 3243–62. http://dx.doi.org/10.14704/web/v19i1/web19214.
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Digital banking is a modern form of banking – a new type of digital business. It covers all aspects of a traditional bank and transforms it into an application through digital technology. Digital banking plays a critical role in banking and economic development in the era of industrial revolution 4.0. This research examines the factors affecting the intention to use digital banking services in Vietnam, a frontier market. The research inherits the UTAUT2 research model to examine the determinants of digital banking services. The empirical study results show that the behavioural intention of digital banking services is positively affected by effort expectancy, social influences, facilitating conditions, and trust of commercial banks. Finally, the behavioural intention of digital banking services also positively impacts the intention to use digital banking services. This study “helps commercial banks in emerging markets approach customer needs better and develop digital banking services.
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Yip, Angus W. H., and Nancy M. P. Bocken. "Sustainable business model archetypes for the banking industry." Journal of Cleaner Production 174 (February 2018): 150–69. http://dx.doi.org/10.1016/j.jclepro.2017.10.190.
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Hanafizadeh, Payam, and Seyedali Marjaie. "Exploring banking business model types: A cognitive view." Digital Business 1, no. 2 (October 2021): 100012. http://dx.doi.org/10.1016/j.digbus.2021.100012.
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Losiewicz-Dniestrzanska, Ewa, and Adam Nosowski. "The risk of non-compliance in the context of a banking business model." New Trends and Issues Proceedings on Humanities and Social Sciences 3, no. 4 (March 22, 2017): 198–207. http://dx.doi.org/10.18844/gjhss.v3i4.1566.
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Glykas, Michael, George Valiris, Angelika Kokkinaki, and Zoi Koutsoukou. "Banking Business Process Management Implementation." International Journal of Productivity Management and Assessment Technologies 6, no. 1 (January 2018): 50–69. http://dx.doi.org/10.4018/ijpmat.2018010104.
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Scholars and practitioners in the fields of Business Process Management (BPM), performance measurement and business information systems tend to use different approaches for implementing BPM Programs without arguing about the quality strategy set to ensure successful implementation and adoption. This lack of quality standards makes it difficult for researchers and practitioners to build on each other's work. The purpose of this article is to present a model for a BPM Program implementation in the banking sector. The authors' four steps implementation model is based on a quality strategy monitoring the different phases of the entire procedure. Through this work, they aim to identify the key characteristics of a BPM system as well as open a debate on what are the necessary and sufficient conditions for the full implementation of a BPM Program. The authors review the relevant literature and present their BPM implementation approach. Based on their research, they presented a case study on the implementation of a BPM program in a Greek bank. Some of the subjects discussed included the integration plans for the projects, Human Resources management issues, and other concepts for the improvement of the bank's processes. The main part of the case study was the integration themes that the bank in question had identified and separated in order to produce a viable and continuous plan for the full implementation of the projects. The analysis in this paper provides an approach that researchers could use as a reference framework in their efforts for implementing BPM Programs in general and more specifically in banking sector.
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Nosratabadi, Saeed, Gergo Pinter, Amir Mosavi, and Sandor Semperger. "Sustainable Banking; Evaluation of the European Business Models." Sustainability 12, no. 6 (March 16, 2020): 2314. http://dx.doi.org/10.3390/su12062314.
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Sustainability has become one of the challenges of today’s banks. Since sustainable business models are responsible for the environment and society along with generating economic benefits, they are an attractive approach to sustainability. Sustainable business models also offer banks competitive advantages such as increasing brand reputation and cost reduction. However, no framework is presented to evaluate the sustainability of banking business models. To bridge this theoretical gap, the current study using A Delphi-Analytic Hierarchy Process method, firstly, developed a sustainable business model to evaluate the sustainability of the business model of banks. In the second step, the sustainability performance of sixteen banks from eight European countries including Norway, The UK, Poland, Hungary, Germany, France, Spain, and Italy, assessed. The proposed business model components of this study were ranked in terms of their impact on achieving sustainability goals. Consequently, the proposed model components of this study, based on their impact on sustainability, are respectively value proposition, core competencies, financial aspects, business processes, target customers, resources, technology, customer interface, and partner network. The results of the comparison of the banks studied by each country disclosed that the sustainability of the Norwegian and German banks’ business models is higher than in other counties. The studied banks of Hungary and Spain came in second, the banks of The UK, Poland, and France ranked third, and finally, the Italian banks ranked fourth in the sustainability of their business models.
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Daiy, Alexander Kuan, Kao-Yi Shen, Jim-Yuh Huang, and Tom Meng-Yen Lin. "A Hybrid MCDM Model for Evaluating Open Banking Business Partners." Mathematics 9, no. 6 (March 10, 2021): 587. http://dx.doi.org/10.3390/math9060587.
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Open banking (OB) is an emerging business field in the financial sector, which relies on intensive collaboration between banks and non-banking service providers. However, how to evaluate OB business partners from multiple perspectives for banks is underexplored. Therefore, this study proposed a hybrid decision model with supports from seasoned domain experts. This study also adopts a domestic bank from Taiwan and four non-banking service providers to illustrate the hybrid approach with the confidence-weighted fuzzy assessment technique. The proposed model might be the first attempt to explore the OB adoption strategy by the novel approach. However, its limitations are the presumed independent relationship among the factors of this hybrid model. Additionally, the results hinge upon domain experts’ knowledge. In practice, the research findings identify the relative importance of banks’ crucial factors to select OB strategic partners, which provide managerial insights and valuable guidance for the banking sector.
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Mujahed, Hamed M. H., Elsadig Musa Ahmed, and Siti Aida Samikon. "Are Palestinian SMEs Effectively Utilizing Mobile Banking?" Volume 5 - 2020, Issue 9 - September 5, no. 9 (September 22, 2020): 393–404. http://dx.doi.org/10.38124/ijisrt20sep282.
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This paper investigates reason for the nonutilization of mobile banking by SMEs sectors in Palestine using a survey of 408 SMEs. The results of the study indicate that majority of Palestine SMEs are using computerized systems and utilizes basic ICT technologies, while the use of mobile banking are less than 30%. However, there are key factors that inhibit these SMEs from effectively utilizing mobile banking in their various businesses. The survey reveals that understanding of mobile banking adoption is very little among the SMEs business owner’s, regulatory environment, mobile banking business model offered by banks are the most prevalent factors for non-utilizations of mobile banking.
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Schoon, Natalie. "Islamic vs. Conventional Banking: Business Model, Efficiency and Stability." CFA Digest 43, no. 2 (May 2013): 45–47. http://dx.doi.org/10.2469/dig.v43.n2.16.
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Beck, Thorsten, Asli Demirgüç-Kunt, and Ouarda Merrouche. "Islamic vs. conventional banking: Business model, efficiency and stability." Journal of Banking & Finance 37, no. 2 (February 2013): 433–47. http://dx.doi.org/10.1016/j.jbankfin.2012.09.016.
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Rudevska, V., N. Shvetz, and O. Storozhenko. "THEORETICAL APPROACHES TO THE CLASSIFICATION AND SYSTEMATIZATION OF BANKS BY BUSINESS MODELS." Financial and credit activity: problems of theory and practice 2, no. 37 (April 30, 2021): 24–36. http://dx.doi.org/10.18371/fcaptp.v2i37.229930.
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Abstract Banking institutions are subject to change in the business model depending on external conditions, which may be due to changes in market needs and changes in the competitive environment or regulation. Depending on the business model of banks, they may react differently to the influence of external and internal factors. This situation in the future may lead to changes in the business architecture of the banking sector and affect the country's economic growth. The article considers the approaches to the classification of banks by business models, a critical analysis of existing approaches to the classification of banks in terms of business models. A study of the systematization and classification of banks by business models found that existing approaches to classification are quite fragmentary and insufficiently expanded. The author's systematization and generalization of existing in world practice theoretical approaches to the classification of types of business models of banks, allowed to justify the author's classification of banks by their business models, which includes new classification features, including historical background and development of the institutional environment. economic processes in the state and the vector of economic growth, introduction of innovations and information technologies, range of banking products and services, development of branch network. The approach proposed in the article, in contrast to the existing ones, is comprehensive and will help the bank to choose the most optimal and effective business model that will fully take into account the impact of modern business conditions. The expanded classification that could be used at the local and international levels will harmonize the general approach, which is constantly being harmonized and regularly updated, taking into account the changing landscape of the banking sector. Keywords: bank, business model of the bank, classification of banks, cluster of banks, criteria for classification of business models. JEL Classification: G210,G20 Formulas: 0; fig.: 2; tabl.:1 ; bibl.: 16.
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RUSTAMOV, TAMERLAN H. "DIGITAL BANKING AND ITS ESSENCE. THE AZERBAIJANI MODEL." Economic innovations 23, no. 3(80) (August 20, 2021): 306–18. http://dx.doi.org/10.31520/ei.2021.23.3(80).306-318.
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Topicality. The article describes the current transition period of replacing traditional banking with remote banking at a time of deepening the digital transformation of the banking system and the characteristics of this period, as well as the ecosystem changes of this period. Joseph Schumpeter's concept of "Creative Destruction" on the application of innovations in economic processes and its application to the banking system were explained.Aim and tasks. By defining the concept of digital banking, three main approaches to the formation of a digital banking platform were distinguished, including the characteristics of these approaches.Research results. The analysis explains a number of features that characterize digital banking and shape its unique business model, including a horizontally integrated product and service chain based on a fully digital platform, minimization and zero physical contact, and an open platform based on the “Spider web” principle. The characteristics of the legal framework for the creation of digital banking from scratch in Singapore and Hong Kong, which have advanced financial market infrastructure, were analyzed. The main factors of the Australian approach were touched upon. The different approaches to the digital banking model (no new licensing procedure or special licensing requirements), protection of the rights of customers of financial services users, the legal form of digital banking and the legal address in the licensed country are described in the digital banking business model examples are shown. As a follow-up to the study, the Republic of Azerbaijan was selected as the country where the separate licensing process for digital banking was not applied.Conclusion. The main steps to be taken to form a digital banking model in the Republic of Azerbaijan on the basis of the “greenfield” approach and the reforms implemented in the framework of the existing legislation have been announced.
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Kašparovská, Vlasta. "Economic value added model upon conditions of banking company." Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 56, no. 3 (2008): 85–98. http://dx.doi.org/10.11118/actaun200856030085.
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The content of this article is the application of the economic value added model (EVA) upon the conditions of a banking company. Due to the character of banking business, which is in a different structure of financial sheet, it is not possible to use the standard model EVA for this banking company. The base of this article is the outlined of basic principles of the EVA mode in a non-banking company. Basic specified banking activity dissimilarities are analysed and a directed methodology adjustment of a model such as this, so that it is possible to use it for a banking company.
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Tamegawa, Kenichi, and Shin Fukuda. "EXPECTATION ERRORS IN CREDIT MARKET AND BUSINESS CYCLES." Macroeconomic Dynamics 20, no. 5 (June 30, 2016): 1359–80. http://dx.doi.org/10.1017/s1365100514000923.
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This study demonstrates how expectation errors in a credit market generate economic fluctuations. To this end, we employ simulation analysis using a dynamic stochastic general equilibrium model. Our model includes two building blocks that are not included in the standard models: the banking sector and matching friction in the labor market. By introducing the banking sector, we can confirm that if economic agents fallaciously expect a rise in future asset prices, such expectations will cause an economic boom and bust. The variation of this fluctuation is quite large and the recession short-lived, but these drawbacks can be avoided by adding matching friction.
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Klimontowicz, Monika, and Janina Harasim. "Mobile Technology as Part of Banks’ Business Model." Acta Universitatis Lodziensis. Folia Oeconomica 1, no. 340 (April 4, 2019): 73–90. http://dx.doi.org/10.18778/0208-6018.340.05.
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During the last few decades, the banking market has changed significantly making banks face new challenges. Mobile technology development has had a powerful impact on all human activities including banking. Mobile technology has changed both the information and communication sharing, as well as customers’ market behaviour. All these changes should be taken into account in the process of searching for competitive advantage factors and designing banks’ business models. The purpose of the paper is to propose the framework for banks’ business model that incorporates using mobile technology and creating a competitive advantage. The foundation of this framework is based on theoretical considerations. The paper analyses contemporary business models used by banks, their value proposals and their relation to customers’ needs and expectations. The research highlights the routes for using mobile technology in the further development of banks’ business models from the perspective of the process of creating and delivering value for customers.
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Dasgupta, Meeta. "Business Model Innovation: Responding to Volatile Business Environment in the Indian Banking Industry." Journal of Asia-Pacific Business 20, no. 4 (October 2, 2019): 260–80. http://dx.doi.org/10.1080/10599231.2019.1684168.
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Vasiliev and Serov. "Omnichannel Banking Economy." Risks 7, no. 4 (November 7, 2019): 115. http://dx.doi.org/10.3390/risks7040115.
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In modern market conditions, customers who purchase banking products require a high level of service. In particular, they require continuous real-time service with the ability to instantly “switch” between service channels. The article analyzed the economic component of the omnichannel sales management system in banking. The existing barriers to introducing omnichannels to the practice of banking management have been identified. The features of the calculation of individual elements of the cost of sales at various stages of the life cycle of sales (sales funnel) are considered. An economic–mathematical model for managing the cost and profitability of sales by selecting the optimal omnichannel chains was proposed. The omnichannel model of interaction with customers enables banks to simultaneously achieve several key goals of increasing their own business efficiency: increase sales while reducing their cost and improving the quality of customer service. The model can be used not only in banking, but also in other forms of retail business where it is possible to collect detailed statistics and build a factor analysis of conversion through a sales funnel.
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Mishra, Shrutika, and A. R. Tripathi. "Platform business model on state-of-the-art business learning use case." International Journal of Financial Engineering 07, no. 02 (May 22, 2020): 2050015. http://dx.doi.org/10.1142/s2424786320500152.
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The banking and economic services in business and management are fully secured and identified by block chain technologies and have many returns and benefits in the business industry. The digital platform using block chain technology and business models is a good prototype to explore and enhance their business. This paper focused on preliminary background of digital platform and their exploration on business and strategy in the market. We have also discussed about the business model of different ventures and discussed how they are earning money without their assets and its business sway.
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Dudin, M. N., S. V. Shkodinskii, and D. I. Usmanov. "Key Trends and Regulations of the Development of Digital business Models of banking services in Industry 4.0." Finance: Theory and Practice 25, no. 5 (October 28, 2021): 59–78. http://dx.doi.org/10.26794/2587-5671-2021-25-5-59-78.
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The subject of the research is trends in the implementation of digital technologies in the banking sector. The relevance of the paper is due to the objective processes of global digital intervention of technologies in all spheres of human life and society. The research aims to identify, systematize and generalize key trends and regulations in the development of digital business models of banking services in Industry 4.0. For the first time, the authors identified and systematized modern trends and regulations in the development of digital business models of banking services in Industry 4.0, offered their own conceptual vision of the concept of “digital business model of banking services”. The authors apply general scientific, philosophical, analytical, statistical, problem chronological and historical-genetic methods, as well as methods of expert assessments. The article summarizes the main stages of the evolution of business models of the banking sector, reveals substantive and methodological differences between traditional remote banking services and digital banking, highlights the main business models for organizing digital banking; provides up-to-date data on the level of development of digital banking in the main geographic zones of the world; shows the dynamics and key areas of investment in the fintech industry in 2014–2019 and provides a critical analysis of their conditions; identifies problematic aspects of the development of digital business models of banking; describes the functionality of the main digital business models of Russian banks with the author’s assessment of their capabilities and examples of their use in Russian practice. The authors conclude that the main drivers of digitalization of the banking sector are stable growth of non-cash payments in the world and in Russia; stable growth of the global digital banking market; the impact of the COVID-19 pandemic on the active demand of consumers of remote financial services; increased competition in the retail banking market; and a significant decrease in margins for traditional banking products. Identification and systematization of trends and regulations in the implementation of digital business models of banking services can form the basis for further analysis of the specifics of digitalization and personalization of digital banking in Industry 4.0 for the sustainable socio-economic development of the country in terms of possible advantages and threats to the security of financial resources and personal data of customers.
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Rezina, Sonia, Rubaiyat Shaimom Chowdhury, and Nusrat Jahan. "Non-Performing Loan in Bangladesh: A Comparative Study on the Islamic Banks and Conventional Banks." Indian Journal of Finance and Banking 4, no. 1 (April 6, 2020): 76–83. http://dx.doi.org/10.46281/ijfb.v4i1.539.
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The banking business is one of the booming businesses in Bangladesh. But at present, the sector is struggling to be on the growth path due to the growing proportion of Non-Performing Loan (NPL). The NPL has instigated a negative influence on the growth of Banking Business. This study has compared the severity of the impact of operational modes between two mainstream banking systems, traditional banking and Islamic banking, which may affect Non-performing loans. Other variables such as governance of the banks, bureaucracy, and size of the banks, the difference in reserve ratio, capital adequacy ratio, and interest rates have different impacts on NPL. We have explained the impact of the variables on the bank performance as per mainstream banking operational model. Finally, we have proposed some evocative measures through which the Non-performing loan can be minimized.
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Mehreen, Mehreen, Maran Marimuthu, Samsul Karim, and Amin Jan. "Proposing a Multidimensional Bankruptcy Prediction Model: An Approach for Sustainable Islamic Banking." Sustainability 12, no. 8 (April 16, 2020): 3226. http://dx.doi.org/10.3390/su12083226.
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The main purpose of this study is to conceptualize a sustainable banking model for Islamic banking by blending three essential business aspects namely financial performance, Islamic corporate governance, and sustainability practices dimension. In the case of Islamic banking, evidence shows that a Shariah-based bankruptcy prediction model for apprehending the true bankruptcy prediction is over-sighted. This study offers an efficient Shariah-based bankruptcy prediction model by first, reviewing the previously applied conventional bankruptcy prediction models; secondly, by developing and proposing a robust, multidimensional model for predicting bankruptcy in Islamic banking. This framework may have profound implications on the existing bankruptcy evaluation structure of the Islamic banking industry and may provide a strong sustainability management guideline to the global Islamic banking industry.
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Rouhani, Saeed, Amir Ashrafi, Ahad Zare Ravasan, and Samira Afshari. "Business Intelligence Systems Adoption Model." Journal of Organizational and End User Computing 30, no. 2 (April 2018): 43–70. http://dx.doi.org/10.4018/joeuc.2018040103.
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Decision support and business intelligence systems have been increasingly adopted in organizations, while understanding the nature of affecting factors on such adoption decisions need receiving much academic interest. This article attempts to provide an in-depth analysis toward understanding the critical factors which affect the decision to adopt business intelligence (BI) in the context of banking and financial industry. In this regard, it examines a conceptual model that shows the impacts of different technological, organizational, and environmental factors in the decision to adopt BI by a firm. Structural equation modeling (SEM) was used for data analysis and test the relevant hypothesis. The results of this article which are derived from theoretical discussion of hypothesizes show that from nine hypothesized relationships—perceived tangible and intangible benefits, firm size, organizational readiness, strategy, industry competition and competitors absorptive capacity—affect BIS adoption in the surveyed cases.
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Mangani, Ktut Silvanita, Yusman Syaukat, Bustanul Arifin, and Mangara Tambunan. "ECONOMIC BEHAVIOR OF MICRO AND SMALL BUSINESS HOUSEHOLDS IN A BRANCHLESS BANKING SYSTEM." Journal of Indonesian Economy and Business 34, no. 1 (July 1, 2019): 57. http://dx.doi.org/10.22146/jieb.31493.
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Introduction: This study aims to analyze how the existence of branchless banking in rural areas affects the economic behavior of the micro and small business households, and vice versa. Background Problem: Within the framework at inclusive finance program, Indonesia has implemented the branchless banking model. However, the impact of the branchless banking system to micro and small business household has not discussed yet. Research Method: The research was conducted in Bogor District, with many remote villages adjacent to Jakarta, a capital city of Indonesia. A total of 97 samples of micro and small business households were selected from 13 sub-districts. The estimation was conducted using 2SLS method. The model describes the existing condition that explains the uniqueness of the economic behavior of the micro and small business households in a branchless banking system. Novelty: Studies related to branchless banking generally analyzed from the perspective of banking institutions. However, this study focusses on supply side, namely it analyzDe the household economic behavior using simultaneously equation model. Findings: The results show that the presence of branchless banking agents, as measured by the value of the transactions conducted by the households, have little effect on the economic behavior of the micro and small business households. On the other hand, the economic behavior variables which are expected to affect the value of the transactions do not occur. The results explain that the utilization of the banking services provided through agents in the branchless banking system is in the form of payment transactions. In addition, the presence of branchless banking in rural areas has not affected production activities and vice versa. Conclusion: This study suggests a further study to find out the factors that make business actors unwilling to perform financial transactions related to their production activities through branchless banking agents.
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Quang Trung, Ngo, Nguyen Van Thanh, Nguyen Viet Tinh, and Syed Tam Husain. "Fuzzy Decision Model: Evaluating and Selecting Open Banking Business Partners." Computers, Materials & Continua 72, no. 3 (2022): 4557–70. http://dx.doi.org/10.32604/cmc.2022.022417.
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Galletta and Mazzù. "Liquidity Risk Drivers and Bank Business Models." Risks 7, no. 3 (August 25, 2019): 89. http://dx.doi.org/10.3390/risks7030089.
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This paper examines the bank liquidity risk while using a maturity mismatch indicator of loans and deposits (LTDm) during a specific period. Core banking activities that are based on the process of maturity transformation are the most exposed to liquidity risk. The financial crisis in 2007–2009 highlighted the importance of liquidity to the functioning of both the financial markets and the banking sector. We investigate how characteristics of a bank, such as size, capital, and business model, are related to liquidity risk, while using a sample of European banks in the period after the financial crisis, from 2011 to 2017. While employing a generalized method of moment two-step estimator, we find that the banking size increases the liquidity risk, whereas capital is not an effective deterrent. Moreover, our findings reveal that, for savings banks, income diversification raises the liquidity risk while investment banks reliant on non-deposit funding decrease the exposure to liquidity risk.
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Arnold, Ivo. "Corporate Change After the Global Financial Crisis." Credit and Capital Markets – Kredit und Kapital: Volume 53, Issue 2 53, no. 2 (April 1, 2020): 245–71. http://dx.doi.org/10.3790/ccm.53.2.245.
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Abstract This paper examines the strategic response of the Dutch bank ING to the global financial crisis. Prior to the crisis, ING was a prominent global exponent of direct banking, using the so-called pure play internet (PPI) business model. PPI banking is a hybrid business model that combines features of relationship and transaction banking. Downsides of this business model are that it may lead to overexposure in securities and that it may attract savers that have an above-average sensitivity to interest rates or risk. Using data on the geographical activities of ING, the timeline of relevant events in the history of ING and strategy statements of ING management, we examine how ING has responded to the strategic challenges of the crisis. We conclude that PPI banking should be viewed more as a market penetration strategy than as a full-blown business model that is tenable in the long run. JEL Classification: G01, G21
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Harimaya, Kozo, and Koichi Kagitani. "Performance of agricultural cooperative banks in Japan." Agricultural Finance Review 80, no. 1 (October 14, 2019): 38–50. http://dx.doi.org/10.1108/afr-03-2019-0036.
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Purpose The purpose of this paper is to investigate the efficiency of the banking business of Japan’s agricultural cooperatives (JAs), which depend heavily on financial business with non-farmers, contradictory to cooperative principles. Design/methodology/approach The authors construct a panel data set over 2005–2016 from the financial statements of JAs’ prefectural-level federations and use the input distance stochastic frontier model with a time-variant inefficiency effect for analysis. Both the flow and stock measures of the banking output are used in identical models and the efficiency results are compared. The authors also investigate the determinants of efficiency by using the Tobit and ordinary least squares regression models. Findings There is strong evidence of significant prefectural differences in efficiency values. The ratio of lending to non-members to total loans is positively related to efficiency. In contrast, the higher reliance on a central organization and credit business leads to lower efficiency. Research limitations/implications Apart from banking, JAs provide mutual insurance business services. As the authors investigate only the efficiency of JAs’ banking business in this study, it would be necessary to investigate the efficiency of their insurance business as well when evaluating JAs’ overall financial business. Originality/value There are few studies that investigate the efficiency of JAs’ banking business and its determinants, although significant attention has been paid to their excessive dependence on the financial business.
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Wang, Wei, Christopher Lesner, Alexander Ran, Marko Rukonic, Jason Xue, and Eric Shiu. "Using Small Business Banking Data for Explainable Credit Risk Scoring." Proceedings of the AAAI Conference on Artificial Intelligence 34, no. 08 (April 3, 2020): 13396–401. http://dx.doi.org/10.1609/aaai.v34i08.7055.
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Machine learning applied to financial transaction records can predict how likely a small business is to repay a loan. For this purpose we compared a traditional scorecard credit risk model against various machine learning models and found that XGBoost with monotonic constraints outperformed scorecard model by 7% in K-S statistic. To deploy such a machine learning model in production for loan application risk scoring it must comply with lending industry regulations that require lenders to provide understandable and specific reasons for credit decisions. Thus we also developed a loan decision explanation technique based on the ideas of WoE and SHAP. Our research was carried out using a historical dataset of tens of thousands of loans and millions of associated financial transactions. The credit risk scoring model based on XGBoost with monotonic constraints and SHAP explanations described in this paper have been deployed by QuickBooks Capital to assess incoming loan applications since July 2019.
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Novianti, Diah. "PENGEMBANGAN KERANGKA MANAJEMEN RISIKO PADA PERBANKAN SYARIAH." ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM 4, no. 1 (June 27, 2019): 46–67. http://dx.doi.org/10.32923/asy.v4i1.996.
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Islamic banking such as the other business institution will face different kind of risk that inherent on its main business activity. In business, risk defined as a posibillity an can appear every time, before, when, and after the decision making. Islamic banking faced different risk with the conventional banking, because its uniquenes. Thus, the development of risk management framework in Islamic banking is very important to do, especially in frame of risk identification, measuring, mitigation and monitoring. This paper will discuss about risk management in Islamic Banking, in theoretically and the implementation of risk management. The scope of this study will include the identification of risk in Islamic Banking, stage of risk management in Islamic Banking, risk management model, and also the devolpment of risk management framework in Islamic Banking.
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Ahmed, Owais. "Innovative Business Models: Emerging Markets Perspective." International Journal of Business and Management Research 6, no. 1 (March 30, 2018): 1–2. http://dx.doi.org/10.37391/ijbmr.060101.
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Emerging markets opened up humungous investment opportunities across different sectors like telecommunication, utility services, logistics, healthcare, and banking. Marketers invest millions in creating facilities, layout, capital, work force, communication programs, and distribution channels. However, marketers having compatible business model meet success. Business model meeting regional sensitivities, requirements; conform norms, procedures; break even. Therefore, a part from innovative technology, innovative business model create successful venture. The current study would explore various business models in emerging economies like Middle East, India, Kenya. Also, implications, challenges and suggestions would be part of the study.
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Kujawski, Lech, Monika Liszewska, and Marta Penczar. "THE IMPACT OF FUNDING STRUCTURE ON EU BANKING SECTOR STABILITY." Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing, no. 24(73) (December 14, 2020): 143–54. http://dx.doi.org/10.22630/pefim.2020.24.73.34.
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In our paper, we analyse the impact of funding structure on banking sector stability in EU countries. Our findings show that after the global financial crisis (GFC) there are four main funding models in the EU banking sectors. We document that funding structure is an important factor influencing the banking sector stability. We report that there are also some other banking business model characteristics as well as macroeconomic indicators which have impact on banking sector risk.
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Hilman, Iim. "Sharia Business Unit Spin-off: Strategic Development Model of Sharia Banking in Indonesia." International Journal of Islamic Banking and Finance Research 2, no. 2 (July 15, 2018): 1–15. http://dx.doi.org/10.46281/ijibfr.v2i2.43.
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Islamic bank in Indonesia in the last ten years shows a positive trend is quite impressive, the average asset growth of 30% is well above the average growth of conventional banks which only reached 15%. The other side, if the terms of its contribution to the national banking system is still very small, as indicated by the achievement of market share of Islamic banks until the end of December 2016 reached only 5.30% of the total national banking assets. Regarding to the objective conditions, would need the appropriate business development strategy to boost growth and expand market share, so that Islamic banks can increase their role in national economic activities. Spin-Off sharia business unit owned by a conventional bank is one of the business development strategy offered by the Banking Act. This paper aims to identify and measure the effectiveness of the implementation of the spin-off business unit into a sharia/Islamic banks (Sharia Commercial Bank-SCB) that have been carried out by some Islamic banks in Indonesia. The results show that the growth rate of SCB business activity is better than Sharia Business Unit (SBU), but in terms of profitability and efficiency level of SBU is better than SCB.
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Uzma, Shigufta Hena, and Suvendu Kr Pratihari. "Financial Modelling for Business Sustainability: A Study of Business Correspondent Model of Financial Inclusion in India." Vikalpa: The Journal for Decision Makers 44, no. 4 (December 2019): 211–31. http://dx.doi.org/10.1177/0256090919898909.
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Executive Summary The study highlights the need for measures to accelerate the pace of the business correspondent (BC) model for financial inclusion in India. The financial analysis of the existing BCs with the existing products and services in practice shows a very diffusive break-even (more than 7 years). The occurrence of such a long-term break-even point can be a potential threat to the sustainability of new and struggling entrepreneurs like a Customer Service Point (CSP). A CSP agent runs a kiosk of a certain bank in a rural context, functioning like a BC between the bank and the beneficiaries. The primary investigation found that high cost and low volume of transaction at the CSP points are two major causes of the long break-even. In this context, the study revisited the constructs related to cost structure, market outreach, market potential and commission structure for channellizing respective banking and non-banking products. The major categories of products include (a) banking operation, (b) loan and over-draft, and (c) social security schemes. In search of a solution, the study adopts a non-random stratified sampling technique with a semi-structured interview process to collect the data from different stakeholders in the BC operation. To develop an economically viable BC model, the researchers use a standard financial modelling technique. In contrast to the existing kiosk model of CSP operation, the study found that while applying the new model a CSP agent takes three years to break-even under the same condition as that of the existing model. The study can also be applied in the domain of bottom of the pyramid (BOP) marketing by treating to create value among the low-income customers and business partners like CSPs. This research can further be extended to investigate the viability of the BC model from the banks’ return on investment perspective.
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Gulzar, Rosana, Mansor H. Ibrahim, and Mohamed Ariff. "Islamic Banks: History, Stability and Lessons from Cooperative Banking." Jurnal Institutions and Economies 13, no. 3 (July 1, 2021): 1–26. http://dx.doi.org/10.22452/ijie.vol13no3.1.
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Islamic banking’s profit-maximising fervour, building upon the use of interest-resembling products, has raised concerns about its Shariah authenticity and financial stability. While early Islamic economists envisioned an industry built on values of mutuality and participation, architects of Islamic banking have chosen to replicate interest-based conventional banking for the purpose of fast growth. This study has two objectives. First, to narrate the history of Islamic banking, from the theories postulated to the beginnings of the industry. This builds an understanding of why ‘Islamic’ banking operates as it does currently, which has implications for Shariah compliance and financial stability. It is suggested that the mimicking of conventional banks may cause instability since unlike commercial banks, ‘Islamic’ banks face Shariah constraints. This leads to the second objective, which is to analyse the cooperative banking model, which has been described as the closest theoretical model to Islamic banking. Specifically, this study focuses on the model in Europe which, despite its challenges, has managed to silence critics in the way it contributes to communal welfare and financial stability, especially during credit crunches when commercial banks are known to retreat from markets. This first study of a functioning cooperative banking model, in the context of Islamic banking, may thus offer lessons for Islamic banking reform.
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Sedaghatparast, Eldar. "A meta-synthesis approach to specify components of future banking." foresight 21, no. 4 (August 9, 2019): 482–96. http://dx.doi.org/10.1108/fs-10-2018-0089.
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Purpose This paper aims to depict an extensive and cohesive picture of future banking’s dimensions and components. Design/methodology/approach A two-step qualitative approach has been applied. First, an extensive scanning has been carried out to identify megatrends and best practices. Second, applying meta-synthesis analysis, more than 186 up-to-date references were strategically scanned to elicit dimensions and components of future banking. Findings This research has had twofold findings. The direct and explicit results were the main dimensions of banking in the future: information technology, employees, customers, diversified services, organizational structures and farsightedness. The implicit findings were also remarkable: many entities are thinking about future of banking, mostly in financial technology dimension; the departure from traditional banking has recently been accelerated; and more works need to be done to have a comprehensive map of banking in the future. Research limitations/implications As the research methodology was based upon a literature review, it lacks covering some hidden or less flashing dimensions such as future business models, merging between banks and other financial or technological firms in advance, the evolution of organizational structures, etc., which would be captured by applying other methods such as expert Delphi panels. Practical implications Planners in the banking industry can benefit from the direct findings. They may extend the results, customize and prioritize the components to provide a competitive business model in the future market of banking. Originality/value The novelty of this paper lies in a cohesive representation of future banking dimensions and components, which is created by a systematic methodology and broad literature review.
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Ahmedin, Lekpek. "Corporate social responsibility in Islamic banking: Theory and practice." Sociologija 61, no. 1 (2019): 32–54. http://dx.doi.org/10.2298/soc1901032a.
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Democratization of the society and the strengthening of civic awareness in many countries have brought the corporate social responsibility into the focus of attention of the scientific, investment and general public, as well as regulatory bodies. This has created a significant pressure on the corporate sector to adapt its business to the interests of numerous stakeholders. The issue of corporate social responsibility (CSR) is of particular importance to Islamic banking, as the fastest growing sector of the global financial market. Social responsibility is an integral element of the doctrine of Islamic banking and economics. The Islamic model of social responsibility is as old as Islam itself, so it is for centuries present in Sharia-compliant business. The institutionalization of Islamic banking, which began far later, raised the question of the role of social responsibility in the Islamic banks? business practice. The strong pressure from the competition, the business model insufficiently adapted to the modern market environment and the desire to achieve business success and strengthen the market position, have forced Islamic banks to face numerous challenges and partly deviate from some of their stated goals. In this article, we analyze the theoretical model of Islamic banking and the model of man adapted to its principles - homo islamicus, as the carrier of that system, the business practice of Islamic banks, the gap between expectations and realities in the relationship of Islamic banks towards CSR, and potential solutions for removing this gap. The aim is to examine the potential of Islamic banking as socially responsible and ethical alternative to, often criticized and, according to many, morally problematic conventional banking.
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Vovchak, Olha, Serhij Reverchuk, Viktoria Rudevska, and Yaroslav Khlan. "Bank business modeling and levels of non-performing loans:Perspectives of international risk factors in Ukraine." Journal of Eastern European and Central Asian Research (JEECAR) 6, no. 2 (November 19, 2019): 282–96. http://dx.doi.org/10.15549/jeecar.v6i2.391.
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This article identifies five different banking business models using the k-means method and demonstrates how banks carried out the migration between defined clusters during the banking crisis. The article identifies and links the banks with the business model they are most exposed to in terms of risk of insolvency. The factors that influence the rate of non-performing loans are defined. Developed econometric models will allow banks with certain business models to improve their activity with non-performing loans. The article also analyzes how the amount of loans to related parties can be injected into the amount of non-performing loans.
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Manggala Putri, Syah Amelia, Eka Jati Rahayu Firmansyah, and Homaidi Hamid. "THE MUSTAHIQ EMPOWERMENT MODEL: A COLLABORATION BETWEEN SHARIA BANK AND OPZ IN OPTIMIZING ZAKAT FUNDS." Humanities & Social Sciences Reviews 7, no. 2 (March 19, 2019): 276–81. http://dx.doi.org/10.18510/hssr.2019.7232.
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Purpose of the study: To find a Zakat fund management scheme based on sharia banking for sustainable mustahiq empowerment.
Methodology: This research is qualitative research using grounded theory method.
Main Findings: Zakat funds collected are used as collaterals for deposits for the development of mustahiq businesses. The profit sharing ratio from the deposits will reduce the mustahiq installment expense. While deposit guarantees will make mustahik get financing easily from Islamic banking.
Applications of this study: The research findings can be used in studies on productive zakat, philanthropic studies and the development of Islamic banking.
Novelty/ Originality of this study: With this model, mustahik which is not bankable will receive financing for business development. On the other hand, mustahik will get payments in installments so that it will ease the burden.
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Solekah, Nihayatu Aslamatis. "The effect of green banking product and green corporate image on green customer loyality mediated by green customers satisfaction in Syariah banking." Management and Economics Journal (MEC-J) 3, no. 1 (May 1, 2019): 81. http://dx.doi.org/10.18860/mec-j.v0i2.5837.
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<p class="Keywords">Banking has a high potential as a role model for other industries in applying the principles of Sustainable Development. Islamic banking is a bank that has a potential bank business model by implementing green banking, as well as provisions of Bank Indonesia as the Central Bank which has included Green Banking as a concept to be implemented in its business practices. This study developed a research framework to explore the relationship between green banking products and green corporate image green customer satisfaction, and green customer loyalty for Syariah Banking. Analysis technique used to analyze the data analysis Path (Path analysis). The results showed that for green banking products and green corporate image effect directly on green customer satisfaction but green banking product has not affect directly to customers satisfaction, opposite green corporate image that affect directly to green customers loyality<strong></strong></p>