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Journal articles on the topic 'Banking business value'
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1
Faroughian, Frank F., Stavros P. Kalafatis, Lesley Ledden, Phillip Samouel, and Markos H. Tsogas. "Value and risk in business-to-business e-banking." Industrial Marketing Management 41, no. 1 (January 2012): 68–81. http://dx.doi.org/10.1016/j.indmarman.2011.11.012.
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Frolova, V. B., and T. F. Khan'. "Studying the value drivers of banking business." Finance and Credit 24, no. 5 (May 29, 2018): 1109–28. http://dx.doi.org/10.24891/fc.24.5.1109.
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Kobrak, Christopher. "Family Finance: Value Creation and the Democratization of Cross-Border Governance." Enterprise & Society 10, no. 1 (March 2009): 38–89. http://dx.doi.org/10.1017/s1467222700007849.
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As Mira Wilkins has argued, there is a curious disconnect between business and financial history (Wilkins 2004). Whereas business history literature has rediscovered the importance of family business in many countries and in many sectors of contemporary commercial life, for example, little has been written about family banking as an alternative to joint-stock, management-run financial institutions. This lacuna is odd for many reasons. First, family banking is one of the best-known examples of family business in history. Second, family banks once played a much greater role in international investment banking than it does today. Third, some family financial institutions are still active (dominant) in certain market segments and countries. This paper will focus on how, when and why family banking lost its position in international (multinational) banking during the first few decades of the twentieth century. Although political upheaval and a widespread movement to reduce the power of private financial institutions undermined their businesses, family banks suffered, too, from America's maturing as a financial center. I will argue that this shift is connected with the increased importance of American markets and financial regulations, which, in the 1930s, deliberately steered financial transactions away from private dealings and toward transparent impersonal exchanges and capital markets with new forms of aggregated capital and individual investors, in which private banks were ill-suited to manage or at the least for which they had no special competitive edge. Using concepts drawn from an earlier paper on family businesses and relying mostly on secondary sources, this paper will further argue that in markets or market segments, such as Leveraged Buyouts, where uncertainty forms a greater part of the transactional environment, family banking still plays a significant role.
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Lai, Jung-Yu, Khire Rushikesh Ulhas, Ching-Tsung Lin, and Chorng-Shyong Ong. "Factors Driving Value Creation in Online B2B Banking." Journal of Global Information Management 21, no. 2 (April 2013): 51–71. http://dx.doi.org/10.4018/jgim.2013040103.
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In today’s highly competitive business environment, online business-to-business (B2B) banking services offer efficient, reliable, securable, and convenient financial services for customers. However, research has paid scant attention to quantifying the value of online B2B banking and identifying the factors that drive it from the employees’ perspective. Hence, this study explores value creation in online B2B banking in terms of user satisfaction, individual impacts, and organizational impacts by incorporating technological, organizational, and environmental forces. The results based on a survey of 178 respondents collected from Taiwanese Small and Medium Enterprises (SMEs) strongly support the contention of the study that technological, organizational, and environmental forces really drive value creation in online B2B banking in terms of user satisfaction, individual impacts, and organizational impacts. These findings and the proposed research model may be helpful to managers when implementing online B2B banking, and valuable for researchers who are developing related theories.
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Pandey, Ashish, Reeju Guha, Navjyoti Malkar, and Nisha Pandey. "Marching Towards Creating Shared Value: The Case of YES Bank." Asian Case Research Journal 23, no. 02 (December 2019): 289–312. http://dx.doi.org/10.1142/s0218927519500111.
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The case highlights YES Bank’s responsible banking approach through its journey of 12 years characterized by agile response to business opportunity and societal needs, innovative product design, organic and steady business growth and healthy shareholder returns. Responsible banking has evolved with an inclusive approach wherein it is aimed at sustainable development by creating social and natural capital along with creating stakeholder value. The three pillars of responsible banking in YES Bank are; Triple Bottom Line accounting and reporting, climate finance, and corporate social responsibility (CSR). The case raises the question about the ways of measuring the effectiveness of the responsible banking initiatives.
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Quantrill, Alexandra. "The Value of Enclosure and the Business of Banking." Grey Room 71 (June 2018): 116–37. http://dx.doi.org/10.1162/grey_a_00244.
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Watanabe, Yoshiaki. "Co-Creation Of Value In Business-To-Business Services." International Business & Economics Research Journal (IBER) 13, no. 6 (October 31, 2014): 1483. http://dx.doi.org/10.19030/iber.v13i6.8936.
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Although marketing researchers pay increasing attention to the co-creation of value, switching costs and customer share, not much is known about their interrelationships. This study extracts prior research by developing a conceptual framework linking all of these constructs in the business-to-business (BtoB) service setting, including the detailed examination of the process of co-creation of value. On the basis of the achievements in services marketing and relationship marketing, this study hypothesises that co-creation of value mediates switching costs and that indirect customer values and co-creation of value are positively related to customer share. The author tests the hypotheses on data obtained from corporate managers in charge of their banking relationship. The results of the study support most of the hypotheses and, in particular, confirm the mediating role of co-creation of value in a BtoB context.
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Karpenko, V. P. "Business Activity and Assessment of the National Banking System in Terms of the VBM Concept." Economics, taxes & law 11, no. 3 (November 6, 2018): 46–57. http://dx.doi.org/10.26794/1999-849x-2018-11-3-46-57.
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The reform of the Russian banking system is being stalled due to the imperfection of existing methods of assessing both the whole market value of business and its banking segment. This circumstance restrains the business activity of Western investors in the Russian financial market, provokes momentary speculative sentiments in it and strengthens crisis factors. The purpose of the research was to reveal the relevance and the possibility of applying the VBM concept, recognized and accepted in the majority of developed economies, to the banking business. The analysis of the works of foreign and domestic authors shows the need for further Russian theoretical developments. It is proved that the banking business market in Russia is undervalued. Based on the aggregate analytical data, the free cash flow to equity (FCFE) of the banking system is calculated. Based on the net profit of the banking system, its market value and the range of values in which it can be found are estimated. It is concluded that the growth of the Russian banking system measured in terms of capital and assets does not lead, as a minimum, to the growth of the market value, and, as a maximum, is accompanied by a decline in the market value. The prospects of the practical use of the VBM concept both for individual bank management and for the industry in the whole are substantiated.
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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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Gharbi, Leila, and Halioui Khamoussi. "Fair value and banking contagion." Journal of Islamic Accounting and Business Research 7, no. 3 (June 13, 2016): 215–36. http://dx.doi.org/10.1108/jiabr-12-2014-0042.
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Purpose This paper aims to explore empirically the impact of fair value accounting on banking contagion in a comparative context between Islamic banks and conventional banks. Design/methodology/approach The analysis of the impact of fair value changes on banking contagion is carried out through a panel data model. This study covers 20 Islamic banks and 40 conventional banks operating in the Gulf Cooperation Council (GCC) countries during nine years from 2003 to 2011. Findings Empirical evidence shows that there is a significant change in dynamic volatility in GCC banking sector because of financial crisis 2008. However, results fail to confirm the hypothesis that fair value accounting is significantly associated with an increase of banking contagion for both Islamic and conventional banks operating in GCC countries. Originality/value The outcome of this study provides some insights for academicians, accountants as well as regulators in terms of enhancing the effectiveness of accounting practices.
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Tkachenko, Nataliia, and Myroslava Khutorna. "METHODOLOGY OF THE BANK’S BUSINESS STRATEGY FORMATION AND IMPLEMENTATION ON THE BASIS OF A VALUE-ORIENTED APPROACH." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 18(46) (September 24, 2020): 90–98. http://dx.doi.org/10.25264/2311-5149-2020-18(46)-90-98.
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Introduction. At present, the use of strategic tools is no longer just a competitive advantage, but a prerequisite for the viability of any business model of the bank and to some extent may even be perceived as a compliance requirement. Regarding the latter, we mean radical changes in the requirements for the organization of the internal control system in the bank which now require banks to preventively react not only on the most expected threats and risks, but also those that could potentially occur because of the strategic plans of the banking institution. The aim. The aim of the article is to develop a methodology for forming and implementing the bank’s business strategy based on a value-oriented approach. Results. The transformation of the domestic banking sector through the prism of the determinant ‘financial stability’ has been stated. It is proved that the priority of ensuring financial stability in terms of forming business strategies of the bank is able to direct the logic of subjective thinking of individual banking institutions to achieve the optimum in relation to the quality of individual economic activity and the interests of society. We consider the transition to ‘integrated thinking’ in banking to be a fundamental prerequisite for the viability of banks’ business strategies in today’s conditions of economic transformation. The essence of the economic value of the bank’s activity and its interrelation with the market value of its business is structured. The expediency of implementing the ideas of the concept of sustainable development into the methodology of formation and implementation of business strategies of the bank as a worldview of modern banking is substantiated. Conclusions. Based on a comparative content analysis of value-oriented approaches to the formation of the bank’s business strategy and proved that the bank’s use of a multidimensional approach to the formation of its economic value in terms of business areas will encourage it to transform the business, and the formalized perimeter of bank responsibility banking, and ‘public’ license.
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Liao, Ziqi, Xinping Shi, and Man Hei Yee. "Enterprise e-banking satisfaction and continuance in business operations." Journal of General Management 46, no. 4 (June 30, 2021): 313–21. http://dx.doi.org/10.1177/0306307021990277.
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This article aims at examining key determinants and implications of enterprise e-banking satisfaction and continuance in business operations. The empirical results unveil that firms’ satisfaction significantly mediates the effects of trustworthiness, utilitarian value, and usability on firms’ continuance intention to use enterprise e-banking services. The empirical results also suggest that it is fundamental for commercial banks to provide trustworthy and reliable enterprise e-banking services that can efficiently and effectively facilitate firms in different industries to perform banking works and transactions online. The present study makes important contributions to research and practice. The empirically grounded findings enrich the theoretical understanding of the implementation of enterprise e-banking systems and services in business operations and provide managerial insights for the development and enhancement of digital banking and financial services.
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Tarasov, A. "Management Issues in Loan Syndications Banking." Review of Business and Economics Studies 7, no. 3 (September 30, 2019): 37–44. http://dx.doi.org/10.26794/2308-944x-2019-7-3-37-44.
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This article covers the key management issues in the loan syndications banking business. A syndicated loan is provided to a borrower by a group of commercial or investment banks. The global syndicated loan market is from one perspective, the primary funding source for corporations and on the other — one of the leading businesses for the global banks. There exist some unique challenges that must be responded by banks from a managerial and strategic perspective to establish and maintain leadership in the important business due to the features, structures, and industrial organisation of the market. We first consider how the loan syndications business is structured in a global bank, its functions and competitive advantages. Then we discuss the ways banks can implement an effective strategy and maintain leadership and growth in the market. Finally, we propose solutions to dealing with commoditization in banking: (i) adding more value-added services to the client offering; (ii) bundling of services in order to realize cross-selling opportunities and maximize share-of-wallet; (iii) further segmentation and customization of the client base (by industry/relationship/services consumption). By adopting these strategies, banks can successfully fight the commoditization magnet and increase the profitability of their loans syndications businesses.
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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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Bagna, Emanuel. "Is There Any Value in the Banks Brand?" International Journal of Business and Management 13, no. 12 (November 27, 2018): 261. http://dx.doi.org/10.5539/ijbm.v13n12p261.
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Traditionally the literature show that public brand value estimates (such as the ones published by Interbrand, Brand Finance or Brand Z), in the context of industrial quoted companies, are incorporated in stock prices, implying that brands significantly contributes to the value generation process in a company. No such study was carried out at the level of the banking sector. This could be due to the attribution of a marginal importance of brands, among other intangible assets, in the banking sector, as highlighted by the literature. In more recent years more and more evidences give evidence of the importance of brands in banking sector; it should be noted that:
- many banks, as a result of the Purchase Price Allocation process - PPA (pursuant to IFRS 3 Business Combinations) consequent to banking aggregations (mergers or acquisitions), have booked in their financial statements (separate or consolidated) brand values;
- reports published by independent parties such as Brand Finance, publishes brand values specifically for the banking sector.
The aim of this article is therefore to assess if the brand contributes to the value generation process in the banking sector. To test our hypothesis we run a regression on a European sample between market capitalization of major banks and their brand value published by independent expert Brand Finance from 2008 to 2017, with a classic value relevance analysis. Our results demonstrate that brand contributes to the value generation process in the banking sector.
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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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Ibrahimov, Zohrab, Sakina Hajiyeva, Vuqar Nazarov, Lamiya Qasimova, and Vasif Ahadov. "Bank efficiency analysis of financial innovations: dea model application for the institutional concept." Marketing and Management of Innovations, no. 1 (2021): 290–303. http://dx.doi.org/10.21272/mmi.2021.1-22.
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Globalization and digitization of the banking and financial market are well known. They are the trends of this decade-defining the context and efficiency of the banking business. Financial innovations introduced by new technologies have provided banks with the necessary utilities to seize the possibilities to tap into efficiency and competitive advantage gains. In this context, this study seeks to assess the overall efficiency of Azerbaijanian banks in adopting and utilizing financial innovation in providing financial products and services. The data envelopment analysis was applied to compute and compare the ability of financial intermediaries to adopt financial innovations via modern technologies efficiently. Based on the institutional value-added concept, the aggregate efficiency score for each of the 14 banking institutions was calculated. The inefficiency sources were derived from the overall technical efficiency decomposition into pure technical efficiency and scale efficiency. The results showed that only four banks had utilized financial innovations in the banking production process to increase their value-added during 2017-2019. Decomposition results further indicated that slight values of the overall technical inefficiency were caused by scale inefficiency. Thus, these banks' had the capacity for banking business value-added growth by 5-16% just by adjusting scales. Simultaneously, all significant deviations from the absolute overall technical efficiency caused by both pure technical efficiency and scale efficiency. Therefore, there is still much room for banking institutions to increase value-added by adjusting scales and enhancing banking operations and management.
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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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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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Atca Gorgun, Ozenc, and Bert Wolfs. "Impact of the new digital competitors on Swiss banking business models." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 2 (March 21, 2021): 33–45. http://dx.doi.org/10.20525/ijrbs.v10i2.1055.
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This study examines the impact of new digital-only competitors on the Swiss banking business models and value chain. Despite various studies and articles available in the literature about the impact of new digital competitors on the banking industry, there is little research focusing on the Swiss market. The comprehensive research conducted in this study and the data collected through the survey provides a foundation to gauge the impact of the new digital competitors’ pressure on business models and value chain in the Swiss banking industry. The design of the research instrument employed for collecting the primary data has been achieved through a survey shared with 75 managers and experts working in the Swiss banking industry including Swiss banks, FinTechs, BigTechs, and other financial services and consultancy firms. One sample z-test and descriptive statistics have been applied to the survey results to gain a deeper understanding. The outcome of the analysis suggests that the competitive pressure of BigTechs and FinTechs is expected to have a significant impact on the Swiss banking industry, and mainly BigTechs are anticipated to be significantly dominant with disruptive impact. The obtained results also strongly indicate that the cross-industry ecosystems and close partnerships with the new digital competitors are the potential key strategies to be pursued as the future Swiss banking business models. Besides, the disruptive new market entrants are anticipated to be highly likely to gain significant market share in certain market segments of the banking industry and also to create an “ecosystem” accordingly. The area of Personal and Corporate Banking is found out to be more vulnerable to digital disruption in comparison with the other banking areas.
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Bananuka, Juma, David Katamba, Irene Nalukenge, Frank Kabuye, and Kasimu Sendawula. "Adoption of Islamic banking in a non-Islamic country: evidence from Uganda." Journal of Islamic Accounting and Business Research 11, no. 5 (January 2, 2020): 989–1007. http://dx.doi.org/10.1108/jiabr-08-2017-0119.
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Purpose This paper aims to examine the concept and practice of Islamic banking in the context of a non-Islamic country such as Uganda. Design/methodology/approach Semi-structured interviews were used to elicit the strategies banks may use to ensure that the Islamic banking system is successful and to ascertain those factors that may hinder its success. Chief executive officers of business associations, heads of committees on Islamic banking and religious leaders were interviewed. Findings The strategies used by financial institutions in ensuring the adoption of Islamic banking are now known such as “creating awareness of Islamic banking’s mode of operation among existing and potential clients.” The findings also show that factors such as “lack of trust among clients” may hinder the success of Islamic banking. Research limitations/implications The research findings are useful for informing the deliberations of regulators, the business community and financial institutions. The results are applicable only to those countries in the preparation stages of adopting Islamic banking services for the first time, but they could be generalized to any new product launch in any country. Originality/value This paper may help Ugandan financial institutions to design strategies that will accelerate the adoption and, ultimately, the diffusion of Islamic banking in Uganda.
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Mohamed Hashemi, Laila Abdel-Karim, and Jamal Hadash Mohammed Hussein al-Jubouri. "Indicators of Efficiency of Banking Management and their Impact on the Market Value of Banks." Iraqi Administrative Sciences Journal 1, no. 2 (June 30, 2017): 271–88. http://dx.doi.org/10.33013/iqasj.v1n2y2017.pp271-288.
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The research aims to identify and determine the effect of the efficiency of the banking department signs of market capitalization in the banking business of the banks in question, and the research problem focused to know and measure the correlations and the effect of a rather indicators of the efficiency of the banking department and the market value of the banks in question, and in order to reach find out the effect choose four civil and state banks represented bank Iraqi investment business, the Gulf and the Middle East, Iraq and trade, and through its financial statements analysis from 2010 to 2015 for the period through statistical software (SPSS), so has research hypotheses the null and alternative hypothesis launched It means null hypothesis There is a relationship, and is a significant moral of the efficiency of the banking department at the market value of banks research sample effect, either alternative hypothesis has launched no relationship, and is a significant moral of the efficiency of the banking department at the market value of banks research sample effect, have reached research to the group of the conclusions of the most important no the impact of efficiency indicators of bank management on the market value at the banks in question to maximize the market value, as the research found a set of recommendations including the need to emphasize the banking departments to use diversification in achieving banking revenue and not rely on borrowing mainly
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Christa, Usup Riassy, I. Made Wardana, Christantius Dwiatmadja, and Vivy Kristinae. "The Role of Value Innovation Capabilities in the Influence of Market Orientation and Social Capital to Improving the Performance of Central Kalimantan Bank in Indonesia." Journal of Open Innovation: Technology, Market, and Complexity 6, no. 4 (November 11, 2020): 140. http://dx.doi.org/10.3390/joitmc6040140.
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Research in the field of banking business management during a pandemic requires the cooperation of organizations with the changing business environment. Resources that are able to be managed effectively and efficiently at the Central Kalimantan Regional Bank in Indonesia are thus managed in an effort to support the organization. The key to the bank’s performance as an innovative organization lies in the core business values that are strengthened by organizational resources, so that the focus of value innovation becomes the activities that improve business performance as a mediating factor between external and internal factors. Research was conducted on 250 senior employees with quantitative analysis using the Structural Equation Modelling-Partial Least Square (SEM-PLS) statistical tool. It was found that external factors originating from market orientation and social capital significantly improved business performance. The success of the mediation process as a novelty research conceptual research has significant positive results as a core business innovation to improve the business performance of Central Kalimantan regional banks. The research objective is to improve banking performance by collaborating between consumer needs, value innovation and social capital as a trigger for excellent change in Bank Kal-Teng. The value of this research is as a reference for innovating capability value as the main business strategy using information from external factors, so as to improve the bank’s business performance as needed.
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Selma, Majdi. "BUSINESS RELATEDNESS IN THE EUROPEAN INSURER-BANKING INDUSTRY: SOURCES OF VALUE CREATION." European Journal of Management 13, no. 3 (October 1, 2013): 115–26. http://dx.doi.org/10.18374/ejm-13-3.9.
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Zaky, Ahmad, and Mukaram Mukaram. "ANALISIS FIRM VALUE PADA PERUSAHAAN YANG MENERAPKAN ENTERPRISE RISK MANAGEMENT (ERM)." Jurnal Riset Bisnis dan Investasi 1, no. 3 (January 26, 2016): 118. http://dx.doi.org/10.35697/jrbi.v1i3.57.
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A risk is not an odd thing which is encountered in the business activities. Therefore, risk management is becoming a serious concern within the company. To anticipate the impact of risk on the company and in order to create the Firm Value, Enterprise Risk Management (ERM) has been developed. ERM is not just aimed at the creation of value for the company, ERM is believed to be able to manage the risks facing the company better and integrated through the business organization. However, in 2008, the financial crisis in the United States become consideration of the impact of the implementation of ERM in the firm, particularly in the financial sector. An unsuccessful management of the firms in the financial sector could have a major impact on the economy of a country that resulted in the financial crisis occurred and many of those who argue that this is due to an irrelevant and improper implementation of ERM. In order to examine this, this research conducted on the financial sector in Indonesia, especially the listed banking companies in Indonesia Stock Exchange. In this study, the samples are 37 banking firms listed on Indonesia Stock Exchanges to examining the differences Firm Value means between the banking firms which implement ERM and banking firm which do not implement ERM. The Results show that among the bank companies, there is no significant difference of the magnitude of the Firm Value of an existing company. In essence, the financial sector especially the banking industry in Indonesia, the implementation of ERM is not an appropriate solution of efforts to increase the value of the firm in order to increase the potential growth of the investment.
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Sideri, Labrini. "Leveraging CSR for Sustainability: Assessing Performance Implications of Sustainability Reporting in a National Business System." Sustainability 13, no. 11 (May 26, 2021): 5987. http://dx.doi.org/10.3390/su13115987.
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In the light of Agenda 2030 awareness of sustainability is steadily growing all over the world. Devastating phenomena like pandemics (Sustainable Development Goal 3 (SDGs—Agenda 2030)), poverty (Sustainable Development Goal 1 (SDGs—Agenda 2030)) as well as climate change (Sustainable Development Goal 13 (SDGs—Agenda 2030)) threaten humanity, calling for more sustainable solutions. Although economic growth (Sustainable Development Goal 8 (SDGs—Agenda 2030)) is one of the principal goals for a sustainable future, little research has been devoted to the interface of corporate social responsibility (CSR) and sustainability and their contribution to the financial sector, in view of sustainable banking. Even fewer are the studies concerning sustainable banking in Greece. This paper attempts a comparative overview of sustainability integration into businesses, focusing on the banking industry. The current theoretical analysis initially provides an extended review of the CSR and sustainability concepts, which is followed by a comprehensive analysis of non-financial disclosures (NFDs) and their business value, providing some evidence from Greece. The following sections refer to the performance implications and sustainability integration in the banking industry. Eventually, sustainable banking seems to enhance banking performance in a national business system. This is a very important deduction for sustainability to be both the cause and effect of corporate banking. Along with the discussion, some avenues for future research are highlighted.
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Ugoani, John N. N., and Anthony Ugoani. "Business process reengineering and Nigerian banking system efficiency." Independent Journal of Management & Production 8, no. 4 (December 1, 2017): 1173. http://dx.doi.org/10.14807/ijmp.v8i4.549.
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Prior to 2000, and before banks in Nigeria embraced the NBS was inefficient, characterized by frauds, long queues, nonperforming loans, illiquidity and distress. As one way of overcoming these challenges banks started to focus on BPR as a veritable tool to drive efficiency customer satisfaction and improved shareholder value. With the advent of BPR and process improvement efficiency gradually strolled back in to the NBS Against the prereengineering era when the liquidity ratio of the NBS was minus 15.92 percent in 1996 with no bank meeting the 30 percent minimum prudential requirement, the NBS had a positive average liquidity ratio of 65.69 in 2011 with all the banks meeting the 30 percent minimum liquidity ratio. The banks that introduced BPR early in the 2000s have remained without distress, liquid, efficient with high growths in gross earnings, total assets profitability and total equity. The research design was deployed for the study, and it was found that BPR has positive effect on NBS efficiency.
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Guo, Yongsheng, John Holland, and Niklas Kreander. "An exploration of the value creation process in bank-corporate communications." Journal of Communication Management 18, no. 3 (July 29, 2014): 254–70. http://dx.doi.org/10.1108/jcom-10-2012-0079.
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Purpose – Banks and corporate customers have realized that bank-corporate relationship is important but little is known about why and how banks establish and exploit relationships. No comprehensive theory has explained relationship banking and in order to get a better understanding the purpose of this paper is to investigate why and how banks and companies communicate in order to create value. Design/methodology/approach – This study adopts a qualitative methodology and a grounded theory approach was adopted. In total, 34 in-depth interviews were conducted with banks and 15 with corporate managers. Grounded theory models are developed based on interview data. Findings – It was found that the nature of bank-corporate relationship is long term. The relationship is based on trust-based personal communications between banks and corporate customers. Macro conditions including the advances in technology, financial regulation and business globalization were considered when the case banks adopted relationship banking. Some intervening conditions including customer information and knowledge, customer needs and customer confidence also influence the development of relationship banking. The interviewees perceived that the case banks gained benefits including better customer retention economy, risk management efficiency and greater effectiveness in maintaining sustainable profitability. The corporate customers gained benefits including fund availability, product availability, service quality, help in-time and business platform. Originality/value – This study derives concepts and categories from primary data and identifies relationships among these theoretical elements. This investigation provides a comprehensive picture of relationship banking and supplies some theoretical and practical implications. Moreover, a value creation and allocation theory of the bank is developed.
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Maune, Alexander. "A talmudic perspective of the Zimbabwean banking crisis of 2004/2005." Risk Governance and Control: Financial Markets and Institutions 5, no. 3 (2015): 104–13. http://dx.doi.org/10.22495/rgcv5i3c1art2.
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This article reviews the Zimbabwean banking crisis of 2004/2005 from a Talmudic perspective using seven Talmudic halachic principles: honest weights and measures, transparency and accountability, deception, fraud and theft, conflict of interest, bribery, outright and subtle, misleading others, and honesty in business. Each principle is used to review the activities and behaviours that nearly collapsed the entire Zimbabwean banking sector in 2004/2005. It was found that almost all the principles were violated prior to the banking crisis. In conclusion, had all the parties involved acted in the spirit of the Talmudic rabbis, the Zimbabwean banking crisis would not have occurred. This article has therefore business and academic value.
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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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Formisano, Vincenzo, Giuseppe Russo, and Rosa Lombardi. "A service-dominant logic for banking services." MERCATI & COMPETITIVITÀ, no. 1 (June 2012): 81–93. http://dx.doi.org/10.3280/mc2012-001006.
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In the current competitive scenario, services now pervade all business activities, involving every production system and every organization. The emerging importance of services and their decisive role, compared to goods, in every business transaction in the global economy encourages scholars, professionals and business experts to engage in research models, paradigms and theories to better describe the new processes of value creation. This paper aims to analyze the applicability of the theoretical Service-Dominant Logic model to the field of local banking services, therefore, to interpret the concepts within a sector, that is, banking, in which the service component is increasingly becoming more strategic. The article briefly reviews the main features of the evolution of the process of banking services to represent their current evolutionary foundations in the light of the new paradigm of the S-D Logic. The paper combines theory and practice, with the help of a case study, appropriately selected for analysis. To conclude, the analysis shows that the theoretical approach of the Service-Dominant Logic improves the performance of the bank analyzed in economic terms (increased economic value created) as well as in terms of services offerred to customers with improved interactions, relationships and loyalty.
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Bartoletto, Silvana, Bruno Chiarini, Elisabetta Marzano, and Paolo Piselli. "Banking crises and business cycle: evidence for Italy(1861-2016)." Journal of Financial Economic Policy 11, no. 1 (April 1, 2019): 34–61. http://dx.doi.org/10.1108/jfep-03-2018-0055.
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Purpose This paper aims to focus on the banking crises recorded in Italy in the period 1861-2016 and to propose a novel classification based upon the timing of the crisis with respect to the business cycle. Design/methodology/approach A simple and objective rule to distinguish between slowdown and inner-banking crises is introduced. The real impact of banking crises is evaluated by integrating the narrative approach with an empirical vector autoregression analysis. Findings First, banking crises are not always associated to economic downturns. Especially in Italy, (but this analysis can be easily extended to other countries), they have often limited their negative effects within the financial system (“inner” crises). Second, the simultaneity of macroeconomic effects (credit contraction and GDP recession) leave the causal link undetermined. Third, the empirical and narrative analyses performed testify that boom–bust mechanisms are an exception in the panorama of (Italian) banking crises; although when the economy experiences such episodes, the economic and social consequences are not only severe but also enduring. Research limitations/implications To classify historically recognized banking crisis episodes, the authors look at credit and GDP dynamics (and their ratio) around crisis years. Relying on a single definition of crisis is avoided. The classification provides an empirical rule to determine in what way banking crises differ. The classification is mostly based on the synchronization with the business cycle and, using the documented evolution of macroeconomic aggregates, it permits to highlight the fact that a variety of interactions occur between financial and real aggregates during and around banking crises. Originality/value As to the concept of systemic banking crisis, a qualitative judgment is often adopted to select relevant episodes, thus confirming the absence of a quantitative rule in classification criteria (Chaudron and de Haan, 2014). This paper proposes a simple and objective rule to distinguish between slowdown and inner-banking crises; the former occur close to a GDP contraction, whereas the latter appear to spread their effects with no substantial evidence of output loss.
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Ivanauskienė, Neringa, Viltė Auruškevičienė, Vida Škudienė, and Šarūnas Nedzinskas. "Customer Perceptions of Value: Case of Retail Banking." Organizations and Markets in Emerging Economies 3, no. 1 (May 31, 2012): 75–88. http://dx.doi.org/10.15388/omee.2012.3.1.14276.
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Recently, a growing interest in relationship marketing approach attracted much attention of marketers to the customer value creation and delivery as the most important task of marketing strategy. The fact that in the period of economic recession, the retail banking sector customers are more intended to re-assess their relationship with financial organization made marketing experts focus on the investigation of the factors that create and increase customer value in new light. Value creation and delivering to the customer in financial markets has been viewed as a competitive priority and a key component of an organization’s long term success.
The aim of the current research paper is to assess the factors of customer perceived value in the retail banking sector during the period of economic recession. The research method involved the survey conducted with 200 retail customers of commercial banks in Lithuania. In addition, this research specifically examines the perception of value in the transitional economy. The study results revealed that in the period of economic recession the dimensions of emotional (affective) value (i.e., the reliability and security of bank, good psychological climate when contacting with bank personnel) and functional value (i.e., the quality of service provision, the competence of contact personnel) are rated higher by customers. Meanwhile, the factors of social value (i.e., the established long-term relationship, personal beliefs, social integration, the opinion and recommendations of relatives, acquaintances and/or friends) are rated lower.
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Belás, Jaroslav. "Social responsibility and ethics in the banking business: Myth or reality? A case study from the Slovak Republic." Ekonomski anali 57, no. 195 (2012): 115–37. http://dx.doi.org/10.2298/eka1295115b.
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The aim of this article is to examine the social context of the banking business and to define the basic attributes of corporate social responsibility and ethics in commercial banking. One part of the presents the results of the author?s empiric research into the moral attitudes of bank employees in the Slovak Republic. The importance of ethical standards for financial markets is based on the purpose of commercial banks and other financial institutions, which operate with the money of others. The financial crisis has revealed other significant economic implications, and the considerable lack of moral values in commercial banking has been reflected in bankers? unscrupulous approach to their clients. The crisis has also caused a fundamental turnaround in public opinion towards commercial banking and has increased the pressure to apply moral principles, which represent an appropriate complement to banking regulation. The results of our research show a low level of employee loyalty in the banking sector of the Slovak Republic. This paper can serve as an inspiration for future economic and sociological research by emphasizing the fact that pursuit of profit can be compatible with added social value.
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Jeyanthi, P. Mary, A. Mansurali, V. Harish, and V. D. Krishnaveni. "Conceptual Framework of Customer Value Management (CVM) in Indian Banking Sector." Webology 17, no. 2 (December 31, 2020): 971–80. http://dx.doi.org/10.14704/web/v17i2/web17081.
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With the financial development of any country in rapid growth manner, the function of the banking sector is gaining importance. In an agitated bidding markets, all the commercial banks in India were confronted towards the challenging tasks in favor of holding on to the prevailing customers as well as fascinating novel customers. There exist struggle in describing customer value owing to its complexity, moreover it is necessary for the long term profitability as well as productivity. Thus, Bankers must make maximizing the value of customer, an unambiguous and assessed business goal. Many businesses have capitalized in huge customer databases to monitor, understand, and impact customer behavior. The subsequent information is cast-off to obtain and recall customers as well as to bring out the behavior of customer with the marketing approaches like the value of all present and upcoming customers are enhanced. A conceptual foundation is a tool which can aid the managers in manipulating the distribution approaches in a value-based field. The representation can guide executive thinking in framing the value of customer in a system of banking. This paper conceptualizes the value of customer in a dissemination system as the interactions among customer service, costs, acquisition factors, and customer feedback.
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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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Zietsman, Mariette Louise, Pierre Mostert, and Göran Svensson. "A multidimensional approach to the outcomes of perceived value in business relationships." European Business Review 32, no. 4 (June 19, 2020): 709–29. http://dx.doi.org/10.1108/ebr-10-2019-0258.
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Purpose This study aims to explore the relationships, direct and indirect, between business customers’ perceived value, satisfaction and loyalty. Design/methodology/approach The study was set in the business banking industry, with data collected from 381 micro-enterprise business customers of a large South African bank by means of a self-administered, internet-based questionnaire. Findings The results reveal that business customers’ perception of value results in both economic and non-economic satisfaction. The results further indicate that non-economic satisfaction mediates the relationship between economic satisfaction and behavioural loyalty. Research limitations/implications The study contributes to business services marketing literature by taking a multidimensional approach to the traditional value-satisfaction-loyalty chain. Practical implications The study contributes to business services marketing literature by emphasising the importance of perceived value in driving both economic and social outcomes, which, in turn, drives behavioural outcomes. By providing evidence of the outcomes associated with higher perceived value, service providers gain insights into the importance of focussing on value creation and the building of personal connections with micro-sized businesses to ensure future repurchase behaviour. Originality/value This research expands on current value research by positioning economic and non-economic satisfaction and attitudinal and behavioural loyalty as outcomes of business customers’ perceived value. This is possibly the first study to investigate satisfaction and loyalty as outcomes of perceived value where both comprise two distinct dimensions.
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Abbasi, Farhad Khurshid, Amjad Ali, and Naila Bibi. "Analysis of skill gap for business graduates: managerial perspective from banking industry." Education + Training 60, no. 4 (April 9, 2018): 354–67. http://dx.doi.org/10.1108/et-08-2017-0120.
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Purpose The purpose of this paper is to identify the gap between skills expected by managers and skills possessed by business graduates employed by banking industry. Design/methodology/approach A questionnaire-based survey was conducted with bank officers under whom fresh business graduates were working. They were asked to indicate the importance of 12 employability skills in the industry and to rate business graduates working under them against these skills. Results are achieved by applying paired samples and independent samples t-tests on data collected from 121 bank officers. Findings Results prove that overall employability skills of the graduates are lesser than expected by the managers. Significant skill gaps were found for listening, problem solving, communication, leadership, interpersonal, analytical, self-management, numeracy and critical thinking. Results also reveal that problem-solving skill of male graduates is superior that that of females. Practical implications The study makes business graduates clear in what skills they are to learn and how it relates to the expectations of managers in banking industry. It helps business schools to revise and improve curriculum of some specialized banking programs according to the needs of the industry. Originality/value This is the first study that investigates the skills required by the banking industry out of business graduates. It also identifies the skill gaps for fresh business graduates from managerial perspective in banking industry of Pakistan.
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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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Aulia, Beta Raditya, and Irham Zaki. "Implementasi Nilai Syariah Pada Aktivitas Corporate Social Responsibility PT. BNI Syariah Jakarta." Jurnal Ekonomi Syariah Teori dan Terapan 2, no. 1 (December 1, 2015): 33. http://dx.doi.org/10.20473/vol2iss20151pp33-46.
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Implementation of Corporate Social Responsibility in Islamic banking refers to a business that has a social responsibility in Islamic. Islamic values contained in CSR activity that is the values of justice, Rohmatan lil'alamin value, and the value maslahah. That understanding will have implications for the implementation of syariah in the CSR value BNI Syariah Jakarta. The research method which is used for this case is qualitative descriptive approach. This Research is using semi-structured interviews and documentation. This Research was concern on the syariah value of CSR activities BNI Syariah Jakarta and find out for the solutiaon on how the implementation of sharia value on CSR activities BNI Syariah Jakarta. The results of this research was indicated that the PT. BNI Syariah Jakarta has implemented three grades sharia Islamic banking in performing activities of corporate social responsibility, which has implemented sharia values of justice, Rohmatan li'alamin value, and the value maslahah with full responsibility and in accordance to sharia compliance or regulations.
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Zietsman, Mariëtte Louise, Pierre Mostert, and Göran Svensson. "Perceived price and service quality as mediators between price fairness and perceived value in business banking relationships." International Journal of Bank Marketing 37, no. 1 (February 4, 2019): 2–19. http://dx.doi.org/10.1108/ijbm-07-2017-0144.
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PurposeThe purpose of this paper is to test perceived price and service quality as mediators between price fairness and perceived value in service encounters between micro-enterprises and their banks.Design/methodology/approachThe study is based on a self-administered and internet-based questionnaire conducted in the banking industry. The sample consists of 381 micro-enterprises in South Africa that employ one or two staff members.FindingsThe findings of this paper provide evidence for both theory and practice that perceived price and service quality influence the relationship between business banking customers’ perception of price fairness and the value of the service offered.Research limitations/implicationsThe measurement and structural properties reported are satisfactory. This paper confirms the hypothesized relationships in the tested research model, and rejects a tested rival model. Limitations are reported, and suggestions for further research are provided.Practical implicationsThis paper offers banking executives guidance in managing the pricing structure of their services, and highlights the value of offering greater transparency with regards to service charges and interest rates.Originality/valueThis paper contributes to insights into the mediating effects of perceived price and service quality between price fairness and perceived value in business relationships between micro-enterprises and their banks.
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Ghandehary, Mahsa, Hojjat Harati, and Javad Khazaei Pool. "Identifying and ranking the effective factors on customer values." Education, Business and Society: Contemporary Middle Eastern Issues 7, no. 1 (May 6, 2014): 57–74. http://dx.doi.org/10.1108/ebs-04-2013-0009.
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Purpose – The purpose of this study is to identify and rank the effective factors on customer values from the perspective of banking customers. Design/methodology/approach – This study is a practical and descriptive survey. In order to rank the factors affecting customer values, a fuzzy analytical hierarchical process has been used. The data were gathered through Delphi method and questionnaires. Findings – The results of this study indicate that the factors affecting customer values include costs, relational benefits, brand perceptions, and services quality. These factors influence customer values, respectively. The results also indicate that financial costs among costs, operational benefit among relational benefits, trust in employee behavior in customer brand perceptions, and finally confidence in service quality dimensions have the highest priority. Research limitations/implications – The proposed model and research findings will greatly help researchers and practitioners understand the factors influencing customer value using a fuzzy analytic hierarchy process (FAHP) in the banking industry. Originality/value – In this study, for the first time, factors influencing customer value are studied by using a FAHP in the banking industry. The use of this method in this study has a certain authenticity.
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Martius, Martius. "Analisis Perbandingan Tingkat Kesehatan BPR Konvensional dan BPR Syariah Central di Kota Batam." JUSIE (Jurnal Sosial dan Ilmu Ekonomi) 2, no. 01 (March 28, 2019): 52–61. http://dx.doi.org/10.36665/jusie.v2i01.115.
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Banking is one institution that an important role in the economic field of a country. Banking is anything about the bank, including institutions, business activities, and ways and processes in carrying out its business activities. The development of BPR businesses that continue to show positive performance is driven by three main factors: government policies that provide opportunities for BPR establishment, banking deregulation that enlarges the BPR space and the large needs of the community, especially in rural and urban areas, towards banking services. This research was conducted to know the analysis of the difference of health level in matters of Capital aspect, Asset, Management, Rentability, Liquidity and Capital between Conventional BPR and Syariah. Population in this research is all financial data of Conventional Rural Bank and BPR Syariah Kota Batam registered at Bank Indonesia. The sample in this research is the financial data of Conventional BPR and BPR Syariah in Batam for 2 years. Data analysis method used is CAMEL method. To measure the level of health of banking companies in general use Ratio Asset Quality and Earnings ,. Judging from the method of Quality Asset Ratio and Earning is generated a very good weight value so it can be concluded that the Conventional and Syariah Banks in 2014 and 2015 are in the healthy category.
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Ben Mansour, Kaouther. "An analysis of business’ acceptance of internet banking: an integration of e-trust to the TAM." Journal of Business & Industrial Marketing 31, no. 8 (October 3, 2016): 982–94. http://dx.doi.org/10.1108/jbim-10-2016-271.
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Purpose The purpose of this research is to provide insights into the determinants of businesses’ internet banking acceptance. It attempts to address a research need for extending the technology acceptance model (TAM) by adding contextual variables. As trust has never failed to be a significant predictor in e-commerce research, this study proposes to integrate trust into the TAM to get a better understanding of business e-banking adoption. Design/methodology/approach A research model reflecting the effect of e-trust dimensions on TAM constructs is proposed. Based on relevant literature, a questionnaire was designed and administrated to 102 business managers through a Web survey. A structural modelling analysis was applied. Findings The results confirm the dimensions and relations of the TAM. Moreover, two main trust dimensions – integrity and credibility – positively influence perceived usefulness and exert both a direct and an indirect positive effect on attitude towards business’ internet banking adoption and behavioural intention. Practical implications The managerial implications of the study are that Tunisian banks should consider influencing internet banking behaviour not only by developing ease of use and usefulness beliefs, but also by promoting professional credibility and integrity. They should, also, try to attract business users by focusing on and communicating the integrity and the credibility of the bank and highlight the ways in which these concerns have been ensured. Originality/value This study supplies the valuable integration of trust to the TAM. It reveals that extended TAM could be used to provide a solid theoretical foundation of business’ acceptance of internet banking. In this study, trust construct is measured through a multidimensional scale including four dimensions (benevolence, credibility, integrity and orientation to resolve problems). Moreover, this study focused on an emergent country, Tunisia, whereas most studies in the literature concentrate on research cases of developed countries.
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Kundu, Sukanya, and Saroj Kumar Datta. "Impact of trust on the relationship of e-service quality and customer satisfaction." EuroMed Journal of Business 10, no. 1 (May 5, 2015): 21–46. http://dx.doi.org/10.1108/emjb-10-2013-0053.
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Purpose – The purpose of this paper is to find the role of trust as a mediating variable between e-service quality and customer satisfaction in internet banking. Design/methodology/approach – The paper opted for an exploratory study using closed ended questionnaire. The empirical data are drawn from 367 customers of internet banking. Factor structure of e-SQ, customer satisfaction and trust has been tested using EFA and CFA by gap values and perception values. Structure equation modeling has been used to analyze the effects of independent variable e-service quality on customer satisfaction and the role of mediating variable trust. Stepwise analysis has been done to examine the effect of trust on customer satisfaction. Sobel test has been used to measure the indirect effect. Findings – e-SQ was found to be strongly correlated with customer satisfaction. The results confirm trust as a mediating variable between e-service quality while analyzing the same model with gap value and perception value. Research limitations/implications – The research implies that banking service providers should focus on improvement of trust parameters as well as those e-SQ dimensions which affects trust, to retain the customers and to get more customers for internet banking. Originality/value – The reliable and valid instrument confirmed in this research can be used by further studies detecting the relationships among these constructs in an extended context. The fundamental premise of the proposed research work model was to make banking service providers understand comprehensively the factors necessary to achieve high service quality that will significantly impact on customers’ trust, satisfaction.
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Scannella, Enzo. "What drives the disintegration of the loan origination value chain in the banking business." Business Process Management Journal 21, no. 2 (April 7, 2015): 288–311. http://dx.doi.org/10.1108/bpmj-02-2014-0017.
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Purpose – The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank’s decision to vertically disintegrate the loan origination value chain. The main aim is to identify the relevant drivers of the decision to vertically disintegrate the credit assessment phase in the lending business. Design/methodology/approach – Transaction cost economics and information asymmetry are the typical perspectives of analysis of the vertical scope of business value chains. Findings – This paper argues that in order to capture the drivers underlying the dynamic evolution of the vertical scope of bank loan origination business models, the above perspectives must be combined and integrated further with a resource-based view and the modularity perspective. Combining managerial and financial perspectives, this paper offers an examination of the drivers of vertical disintegration in the lending value chain and, specifically, in the credit assessment phase. Originality/value – Although the existence of substantial research on value chain vertical integration/disintegration in the literature, none has directly focussed on the credit assessment value chain. It leaves a gap that the paper aims to overcome. The value chain disintegration has deep managerial and financial implications at firm and industry levels, and the comprehension of the rational underlying it is critical to maintaining competitive business model configurations in the bank lending industry.
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Kumar Sharma, Sujeet, and Srikrishna Madhumohan Govindaluri. "Internet banking adoption in India." Journal of Indian Business Research 6, no. 2 (June 10, 2014): 155–69. http://dx.doi.org/10.1108/jibr-02-2013-0013.
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Purpose – The purpose of this paper is to understand the factors influencing adoption of internet banking in urban India. Design/methodology/approach – A model has been proposed based on the technology acceptance model (TAM). The proposed model is referred to as extended TAM and is better suited to identify and quantify the important factors that influence adoption of internet banking technology in India. Primary data relating to the variables affecting technology adoption and demographic profile are collected using a questionnaire survey. Data were collected from 344 individuals who are either current/prospective internet banking users. Structural equation modeling was used to identify the important factors affecting internet banking technology adoption. Findings – The factors of perceived usefulness, perceived ease of use, social influence, awareness, quality of internet connection and computer self-efficacy are primary determinants of the attitude toward the use of internet banking in urban India. The attitude toward the use of internet banking can be used to predict the intention to use internet banking systems by users. Practical implications – This research enables internet banking service providers in urban India to design new service offerings or modify current service offerings to achieve higher adoption rates in internet banking. Originality/value – The paper investigates the adoption of internet technologies by banking users by proposing an extended TAM model that is more appropriate to capture the issues related to adoption in urban India. The paper is of value to researchers in the area of technology adoption and banking service providers in urban India.
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Khudolii, Y. S., and M. O. Khalievina. "Financial Technology in Banking Business: Realities and Prospects." PROBLEMS OF ECONOMY 1, no. 47 (2021): 134–42. http://dx.doi.org/10.32983/2222-0712-2021-1-134-142.
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The article aims at studying the place of and prospects for financial technology development in the banking business during the digitalization process in the economy by using both the theoretical and empirical research methods. Having analyzed research works on the topic, the authors systematize the key trends in banking innovations in Ukraine and prove the relevance of financial technology in the banking business during the current digitalization. As a result, the current place of financial technology in the banking business is determined by identifying modern customers’ needs and current market conditions in the field of money services (the growing number of Internet users, gadgets, and hence the growth of the cashless money transfer turnover), and the following prospects are suggested: customer value and the quality of service provisioning (i.e., quickness, flexibility of the business structure and extensive use of various technologies). The results are based on the synthesis and analysis of the achievements of financial technology companies in the Ukrainian and world markets, their cooperation with banks, as well as their actions in the global pandemic, the latter reducing the financial inflow, but at the same time encouraging innovations. Research prospects in this context lie in suggesting the key trends of the future, such as including financial services in non-financial relations, the Internet of Things (seamless payments, where the focus shifts from payment to the service itself, providing long-term interaction between the seller and the buyer); the nature and consequences of changing the format of payment services in the domestic market (PSD2). Still, much will depend on further results of the work of the Ministry of Digital Transformation of Ukraine and the actions of the regulator, i.e. the National Bank of Ukraine, concerning the digital development of the financial sector
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Jubilee, Ribed Vianneca W., Roy W. L. Khong, and Woan Ting Hung. "Would diversified corporate boards add value? The case of banking institutions in Malaysia." Asia-Pacific Journal of Business Administration 10, no. 2/3 (June 4, 2018): 218–28. http://dx.doi.org/10.1108/apjba-05-2018-0089.
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Purpose Board diversity has gained increasing attention and has been widely posited as a driver for firm value. The purpose of this paper is to provide empirical evidence on the relation of gender diversity of corporate boards with the value of banking institutions in Malaysia. Design/methodology/approach The sample comprised of ten banking institutions listed on Bursa Malaysia with data observations from 2007 to 2016. Panel data techniques were employed to investigate the relationship between having female directors and firm performance in terms of values generated as indicated by Tobin’s Q. Findings The results revealed a positive relationship between the proportion of female director and the value of the bank. Interestingly, this study found that appointment of female independent directors tends to be negatively related to the value of such institutions. Practical implications There remains a shortage of research studying the impact of gender equality on corporate boards in Malaysia generally and in the banking sector specifically. Thus, this study contributes a significant knowledge on the value implication of board diversity. The findings also provide useful insights on the developmental policy initiated by the government to increase female participation in the top management. Originality/value This study contributes to the literature by bridging the knowledge gap on board diversity in the governance structure of banking institutions. It also provides theoretical contributions to the development of regulatory policy in relation to gender diversification in corporate leadership.
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Darmantyo, Dimas Ari, Ratno Ratno, and Yustiana Wardhani. "Increasing the competitiveness of Rural Banks through an innovation approach in Bogor District." Management Journal of Binaniaga 5, no. 02 (December 30, 2020): 129. http://dx.doi.org/10.33062/mjb.v5i2.394.
Full textAbstract:
Competition in the banking world in increasing the value of its assets is getting tighter.The presence of financial technology adds to the tight competition in the banking world. Rural Banks (BPR) which focuses on small community services and MSMEs must innovate in order to survive in the banking industry. This research aims to find out if there is an influence of product innovation, process innovation, marketing innovation and organizational innovation on business performance, with accidental sampling method to obtain 150 samples of BPR Customers Bogor District, this research uses Structural Equation Modelling (SEM) method to analyze the data obtained. The results showed that, there is a positive influence of product innovation, process innovation, marketing innovation and organizational innovation on business performance. Product innovation variables have a stronger impact on business performance than marketing innovation, organizational innovation and process innovation. Keywords : Product Innovation, Process Innovation, Marketing Innovation and Business Performance