Relevant bibliographies by topics / Banking channels

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Banking channels'

Author: Grafiati
Published: 11 September 2021
Last updated: 18 February 2022

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Journal articles on the topic "Banking channels"

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Krishnan, Dr Mahalaxmi. "Alternate Banking Channels for Customer Convenience." International Journal of Scientific Research 2, no. 2 (June 1, 2012): 9–10. http://dx.doi.org/10.15373/22778179/feb2013/4.

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Prudhvi, Sankar, and Mousumi Bhattacharya. "Shadow banking in India." Corporate Governance and Sustainability Review 4, no. 2 (2020): 30–39. http://dx.doi.org/10.22495/cgsrv4i2p3.

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The NBFCs have been the proxies of shadow banking in India. The shadow banking channel is in its evolutionary phase in India. Hence the debate about the shadow banking channels is still on as far as India is concerned. The FSB (Financial Stability Board) in its report points out the various emerging trends and growth of the shadow banking channels in various countries including India. It is imperative to study the trends of shadow banking channels in India to understand the possible financial contagion effect of it on the formal banking systems. This paper studies the deposits accepted by and the loans advanced by the NBFCs from/to the households sector, the credit flow to the commercial sector from the non-banking channels to understand the broad trends. It further studies the difference in the net flow of resources to and from a particular type of NBFCs, to gain insights into the sources of funds with an objective to understand the interconnectedness of NBFCs and the formal banking channels. The paper makes an attempt to study the relationship between CRAR and GNPA to understand the financial performance with a specific reference to NBFC-MFIs (selected on a sample basis).
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Ebong, Jimmy, and Babu George. "Financial Inclusion through Digital Financial Services (DFS): A Study in Uganda." Journal of Risk and Financial Management 14, no. 9 (August 24, 2021): 393. http://dx.doi.org/10.3390/jrfm14090393.

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This study unravels trends and momentum in banking and mobile money channels and uptake of select services and thereafter draws implications for enhancing financial inclusion through Digital Financial Services (DFS). The Rate of Change (ROC) approach was applied to analyze the growth momentum in banking and mobile money channels in Uganda. Implications for growth momentum in banking and mobile money channels for DFS and financial inclusion was drawn from observing and making informed interpretation of such observed trends and momentum. The findings of this study imply that banks must innovate to increase their contribution towards enhancing financial inclusion. Additional channel innovations, which may infuse banking and mobile money channels, are needed for banking to leverage on growth of mobile money and regain its role in enhancing financial inclusion. Leveraging the application of digital innovations in services such as payments and digitizing alternative channels such as agent banking are likely to increase efficiencies in physical channels and the provision of banking services and thereby increase overall reach and penetration of banking. The fast pace of mobile money penetration is good for speeding up financial inclusion. However, this calls for better regulatory approaches for DFS risk reduction, consumer protection, and protecting mobile money against integrity and financial crimes.
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Peevers, Gareth, Gary Douglas, Mervyn A. Jack, and Diarmid Marshall. "A Usability Comparison of SMS and IVR as Digital Banking Channels." International Journal of Technology and Human Interaction 7, no. 4 (October 2011): 1–16. http://dx.doi.org/10.4018/jthi.2011100101.

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In this paper, the authors compare the usability of SMS mobile banking and automated IVR telephone banking. Participants (N = 116) used SMS banking and IVR banking to find their account balance in a repeated-measures experiment. IVR banking scored higher for usability metrics: effectiveness, attitude, and quality. There was no clear difference in rank order of preference between the two channels. Participants gave positive comments regarding speed and efficiency with SMS banking, but had serious doubts over the security of the SMS channel, impacting consumer trust in SMS banking. The authors argue that usability problems and security concerns are a major factor in the low adoption of SMS mobile banking. Older users were less positive in general to SMS banking compared with the more established IVR banking. Older users had lower first time completion rates for SMS banking and gave IVR banking higher attitude and quality scores.
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Chukwudi, Oparah Felix, and James Tumba Henry. "Monetary Policy and Financial Stability in the Nigerian Banking Industry." International Journal of Financial Research 11, no. 1 (October 10, 2019): 82. http://dx.doi.org/10.5430/ijfr.v11n1p82.

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This study examined the impact of monetary policy on financial stability in the Nigerian banking industry for the period 2008Q1 to 2016Q2, using an error correction model. Banking industry financial stability index (BIFSI) was computed within the study and was used as a measure of financial stability in the Nigerian banking industry. The study discovered that the impact of monetary policy on financial stability in the Nigerian banking industry was weak. It also revealed a significant long run equilibrium relationship between monetary policy and financial stability in the Nigerian banking industry with a speed of adjustment to long run equilibrium of 66.54%. It was concluded that open market operation and exchange rate channels are more effective channels of transmitting monetary policy to financial stability in the banking industry, than interest rate channel.
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Prasad, Gokul, and Anuradha Arthanar. "Customer Satisfaction on Banking Channels." International Journal of Marketing Research Innovation 1, no. 1 (September 27, 2017): 8–15. http://dx.doi.org/10.46281/ijmri.v1i1.98.

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Satisfaction with banking services is an area of growing interest to researchers and managers.This research examined the survey responses of 120 bank customers who provided information regarding their satisfaction towards financial distribution channels with respect to their banks. The study found that there were distinctive segments within the financial market that had significantly different levels of usage of financial distribution channels. Financial customers’ satisfaction with Mobile banking, automated teller machines, credit cards, debit cards, internet banking was investigated, and this information was used to determine if relationships exist between customer satisfaction and the usage of financial distribution channels. Systematic methodology, including design and validation of questionnaire and factor analysis were used to enhance the reliability of the findings. Further results and implications of the study for financial services are addressed.
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Calisir, Fethi, and Cigdem Altin Gumussoy. "Internet banking versus other banking channels: Young consumers’ view." International Journal of Information Management 28, no. 3 (June 2008): 215–21. http://dx.doi.org/10.1016/j.ijinfomgt.2008.02.009.

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Sabharwal, Munish. "Multi-Modal Biometric Authentication and Secure Transaction Operation Framework for E-Banking." International Journal of Business Data Communications and Networking 13, no. 1 (January 2017): 102–16. http://dx.doi.org/10.4018/ijbdcn.2017010109.

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The rationale of the research work is to suggest a multi-modal biometric authentication and secure transaction operation framework for E-Banking. The literature survey identifies the various types of E-Banking Channels available as on-date, the various types of biometric technologies available as on-date as well the significant metrics affecting their performance while deploying them in various different e-banking channels. The performance analysis of various types of biometric technologies based on significant metrics for Biometrics Implementation further identifies the currently implementable biometric technologies for the various different e-banking channels. Subsequently a requirement analysis of potential e-banking channels is followed by System Suitability Analysis to identify which multi-biometrics and support mechanisms are suitable for particular e-banking channels. The final conclusion suggests a viable multi-modal biometric authentication and secure transaction operation framework for various e-banking channels.
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Aduaka, Uchenna, and Olawumi Dele Awolusi. "Electronic Banking and Profitability in the Nigerian Banking Industry." Information Management and Business Review 12, no. 2(I) (November 14, 2020): 20–37. http://dx.doi.org/10.22610/imbr.v12i2(i).3086.

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The primary objective of this study was to assess the impact of electronic banking on profitability in the Nigeria banking industry. An inferential survey research design was adopted. Primary data were collected through questionnaires from both staff and customers of the surveyed bank. It was complemented with secondary data sourced from the company’s audited financial statements for the period 2010 to 2017. Data collected were analyzed using both descriptive and inferential statistics while testing of the hypotheses was done using multiple regression analysis. The study revealed that cards play a significant role more than other channels and immediately followed by ATM. Also, it was observed that E-Banking channels contributed to Bank's profitability, that E-banking services (EBS) had an influence on the retention and loyalty of bank's customers and that the quality of service, security, reliability and efficiency have a definite impact on the usage of the services of e-banking. It was recommended that the Nigerian banking industry should invest more in card products, followed by ATM amongst other electronic channels; as they generate more revenues for the bank. The study also recommended further development of other channels (Mobile, Corporate Payments, POS and internet banking) to further enhance their contribution to the bank's profitability. Nigerian banks should also create a business strategy that is customer-centric by being continuously innovative in identifying the needs of their customers and improving on their products offering while developing new ones, to retain and keep the loyalty of their existing customers while attracting new ones.
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Inegbedion, Henry, Emmanuel Edo Inegbedion, Samuel Jesuorobo Osifo, Sunday C. Eze, Adebanji Ayeni, and Olamide Akintimehin. "Exposure to and usage of e-banking channels." Journal of Science and Technology Policy Management 11, no. 2 (November 21, 2019): 133–48. http://dx.doi.org/10.1108/jstpm-02-2019-0024.

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Purpose Emphasis of previous research on e-banking has been on factors that influence its adoption or constraints to the adoption or the extent to which customer awareness influences its adoption. This study investigated “Exposure to/usage of e-banking channels: Implications for customer awareness and attitude in Nigeria”. The purpose of this paper is to determine the extent to which consumers’ exposure to and usage of e-banking channels influence their awareness and attitude towards e-banking in Nigeria. Design/methodology/approach The study used the quantitative research design; specifically, the conclusive research design was used and data collection was done through the survey method. The population of the study consisted of the customers of EcoBank, First bank and Zenith bank in Edo, Kogi and Kwara states of Nigeria. A structured questionnaire was used to elicit the desired data from 480 respondents selected from 30 branches of 3 banks in two states. One sample t test was used to test for significance of the usage of e-banking channels to customers’ awareness and attitude towards e-banking. Subsequently, regression analysis was performed to determine the predictive power of the e-banking channels. Findings Customers’ exposure to and usage of ATM, internet banking and mobile banking has significant influence on consumers’ attitude towards e-banking in Nigeria. In view of the findings, a modified model of customer usage and attitude towards e-banking in Nigeria is proposed. Research limitations/implications The customer’s inability to exercise absolute right on the banking option to use at all times and the non-inclusion of other channels of e-banking whose usage can influence consumers’ awareness and attitude towards e-banking. Practical implications The need for financial institutions, especially banks, to expose their customers to e-banking channels to demystify their fears as well as increase their awareness and thus influence their attitude to e-banking. Social implications Exposure of bank customers to e-banking will reduce cash transactions and thus help to significantly reduce social vices associated with physical cash, especially armed robbery. Originality/value The work is a departure from previous studies because it is the only one that has emphazised exposure to e-banking as a solution to awareness creation and positive attitude of customers. Its value lies in its potential to make e-banking user friendly in no distance time.
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Dissertations / Theses on the topic "Banking channels"

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Østergaard, Lars. "Optimizing retail banking channels for mass-market customers in Denmark." Thesis, University of Newcastle Upon Tyne, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.556280.

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The thesis deals with the optimization of retail banks' branch and Internet banking channels resulting from 1) the use of Porter's competitive strategy model which is suitable for the outside- in research approach adopted; 2) the potential for realizing improved efficiency and effectiveness; and 3) customers' requirements and satisfaction with products and services. Six research questions are posed: 1) Is M. Porter's competitive strategy appropriate for use among retail banks? 2) Is it correct that large banks are more cost efficient than are small- medium sized banks? 3) Are mass market retail bank customers generally satisfied with the products and services received? 4) Are there points of differentiation banks may use to remain competitive? 5) Does gender, age, place of residence, or occupation imply different banking requirements and satisfaction levels? 6) Are there customer segments in the marketplace with requirements not fulfilled by traditional retail banks? Banks are encouraged to balance inside-out and outside-in strategic approaches. Banks shall optimize learning, innovation and leadership capabilities as suggested by the Resource Based view to enhance customer experience and reduce inefficiency. Porter's competitive strategy has been extensively used in previous research and therefore here as a starting point for the research. The findings indicate that the differentiation options suggested by Porter are only partly suitable to banks. There are non-sustainable differentiation options which banks may focus on: lower prices; enhanced competences and interpersonal skills of the advisor; branch logistics; and Internet banking features. Large banks are not more cost efficient than are medium sized banks. This is because scale and scope inefficiencies in banking are small and the inability of management to facilitate progress and execute on operational obligations explains almost all the combined 20% X-inefficiency. The analysis results in four customer segments with different requirements particularly for channels. Customers are overall satisfied with products and services. There are significant differences between male and female customers' requirements and satisfaction. The primary data collection was undertaken prior to the financial crisis. A post-crisis investigation is likely to modify importance and satisfaction levels and emphasize the significance of banks offering sufficient lending facilities.
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Wu, MeiMei. "Investigating the adoption of banking services delivered over remote channels : the case of Chinese Internet banking customers." Thesis, Loughborough University, 2012. https://dspace.lboro.ac.uk/2134/9387.

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Customers adoption of Internet banking has become a widely-researched topic, although it is fair to state that some research gaps still exist. This research aims to fill some of the research gaps by examining the factors that determine the relevant behaviour of three different categories of Internet banking customers in China (i.e. current users, non-users, and discontinued users), and by developing two conceptual models that are derived from different, but complementary, theoretical approaches. The Decision Making Model and the Service and Relationship Evaluation Model are developed in this research. The Decision Making Model is grounded in the technology acceptance model (TAM) and it incorporates an additional construct of perceived value of using Internet banking. Additionally, the Service and Relationship Evaluation Model is derived from the service quality evaluation and relationship quality evaluation literature. Unlike in most other Internet banking adoption studies, these two conceptual models are used complementarily to deliver a comprehensive understanding of customers Internet banking adoption in China. The models are tested using a sample of 614 Chinese Internet banking customers collected via mall-intercept personal interviews based on questionnaires. Partial Least Square (PLS) path modelling and mediation analysis are applied to test the hypotheses advanced in the two models. The key findings of this research show that perceived value is a major factor for explaining customers Internet banking adoption, thus indicating to the banks that they should reduce costs associated with using Internet banking while providing more (perceived) benefits to customers; the importance of incorporating perceived value in Internet banking adoption model(s) is also demonstrated. The findings also confirm that perceived usefulness and perceived ease of use are important factors that determine the adoption of Internet banking by all categories of customers. Current users and non-users perceptions of their behavioural control over using Internet banking contribute to their adoption of Internet banking, and such control perceptions are shaped by self-efficacy, perceived government support and technological support. Additionally, it is demonstrated that both current users and discontinued users perceived value and perceived service quality of Internet banking have positive associations with their satisfaction with Internet banking, which lead to their Internet banking adoption. Moreover, the findings reveal that current users are more likely to continue with Internet banking if they are affectively committed to their banks; they are less likely to continue with Internet banking if they are calculatively committed to their banks due to the costs associated with leaving the banks. These therefore indicate the importance of establishing high-quality customer-bank relationships and placing less strict switching cost barriers that impose less pressure on their existing customers. This research contributes to the Internet banking adoption literature by (i) identifying the important category of Internet banking discontinued users, apart from current users and non-users; and (ii) using two complementary conceptual models, which are grounded in different theoretical streams, to investigate the relevant adoption behaviour of all three categories of Internet banking customers. It hence delivers a comprehensive understanding of personal customers adoption of Internet banking in China.
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Schwenke, Freddie. "Access channels for mobile banking applications : a comparative study based on characteristics." Thesis, Cape Peninsula University of Technology, 2009. http://hdl.handle.net/20.500.11838/1383.

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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009
The objective of this research project was to provide an answer to the question: 'Which access channel is the most appropriate for mobile applications?' This question is posed by providers of mobile banking services and providers of mobile banking applications alike.
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Koneti, Boniswa. "Determining factors influencing sales growth in business banking in Buffalo City municipality, South Africa." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/10993.

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The increase in number of banks entering the South African banking sector has caused the big four banks to lose their market share to the new entrants. As a result, the new entrants in this sector have also had negative effects on the existing banks’ sales growth and net profits. Business banking, in particular, has been one of the departments which has become competitive as it is considered to generate the most revenue from all the different bank departments. Business clients have been targeted as their fees are high compared to normal individual clients and also, their investment sizes are big compared to individuals, hence the increased interest in this section. This then prompts the question, what are the factors influencing sales growth in business banking? This question then brings one to the following sub-problems: Is the pricing offered by the various banks to their business bank customers competitive enough to retain them?; How competent and knowledgeable is the staff dealing with business bank customers in ensuring good relationships with business banking clients?; is the technology used by the banks advanced enough to address the banking requirements of business banking customers? Are business banking customers loyal to their respective banks to ensure repetitive sales? In dealing with the above, the author undertook a research study to determine whether factors such as competitive pricing, competent staff, advanced technology and customer loyalty influence sales growth in business banking in Buffalo City Municipality “BCM”. The sample of 90 business banking customers who were given questionnaires to test the above were from a population of business banking customers in BCM. The author underwent a theoretical and an empirical investigation using the survey method through questionnaires. These questionnaires were distributed to the various financing institutions dealing with business banking clients. The findings of the empirical study suggest that through the use of the hypothesis test, it was concluded that of the four factors, advanced technology and customer loyalty influence sales growth in business banking in BCM. While pricing and competent staff do not influence sales revenue growth.
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Bothma, Tracy. "The impact of customer relationship management on retail banking using self-service channels." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1013654.

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If you do not own the latest technology today it is thought that you are left behind in this technology driven age. More businesses use Self- Service channels to accommodate the increasing demands of customers. It has been said that the use of self-service channels can reduce input costs, increase efficiency and improve customer service. Unfortunately, many customers are left unsatisfied because retail banks are moving away from the human interaction when visiting a branch or advise customers to use their self-service channels, sometimes without any assistance. This causes customers to move banks, complain and in so doing reduce profits and customer relationships with their banks.This research’s main objective was to determine the impact of customer relationship management on retail banks that make use of self-service channels. A theoretical overview of self-service channels and customer relationship management was given. Advantages and disadvantages of each option were explored. The researcher wanted to explore the relation between customers using self-service channels and the assistance and protection provided by retail banks. The customer experience questionnaire used in this research asked retail banking customers from the South African population to determine how customers perceive and experience their banks’ self-service channels and customer service. Many questions relating to their needs and wants with regards to banking have been explored. The results show that most customers are satisfied with their banks in general but do feel that the banks can improve their customer service and assistance with regards to using self-service channels like ATM’s, online and telephone banking and E-Wallet. It has concluded that most customers choose their banks based on advertisements and other media, not customer service, product range or word-of-mouth. The general perception is that customers say that their bank charges do justify the customer service received.
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Costa, Sílvio Michael de Azevedo. "Intervenções do Estado sobre o mercado bancário e os trade-offs entre eficiência, resiliência financeira e estabilidade macroeconômica." Universidade de São Paulo, 2011. http://www.teses.usp.br/teses/disponiveis/12/12138/tde-17062011-170952/.

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A tese tem como propósito conectar os objetivos de eficiência da indústria bancária, resiliência financeira e estabilidade macroeconômica em um arcabouço integrado e multidimensional, para entender como as fricções financeiras geram trade-offs e como políticas de intervenção do Estado, baseadas em cada uma das dimensões, interagem com os demais conceitos. É desenvolvido um modelo DSGE de escala média que descreve explicitamente o setor bancário e inclui fricções no escopo da firma e da indústria bancária em adição às rigidezes tradicionais dessa classe de modelos. Os objetivos são interpretados a partir de relações endógenas do modelo. Exercícios de comparação de estado estacionário e simulação dinâmica estocástica de ajustamento a choque contracionista de política monetária são utilizados para entender a interação conceitual. Os resultados mostram que as fricções financeiras implicam pass-through imperfeito da política monetária porque o ajustamento dentro da estrutura do passivo bancário é diferente, implicando novas condições de resiliência financeira e induzindo ganhos de eficiência tecnológica. As intervenções do Estado analisadas são as barreiras à entrada, os recolhimentos compulsórios de reservas e os requerimentos de capital. Cada política baseada em um conceito específico de intervenção modifica de maneira particular o comportamento ótimo dos bancos, com efeitos sobre os conceitos adjacentes. As consequências da pesquisa estão relacionadas à formatação de políticas coordenadas e eficazes de intervenção e indicam uma nova fronteira de estudo de políticas ótimas no escopo da Economia Bancária.
The purpose of this dissertation is to connect three banking-related concepts which are banking efficiency, financial resilience, and macroeconomic stability in a single integrated framework. It tries to understand how financial frictions settle trade-offs, whose nature and importance are investigated, and how institutional single-concept-based policies could generate untoward effects. A canonical medium-scale DSGE model is constructed featuring several banking frictions in addition to traditional real and nominal rigidities embodied in macro-models. Concepts are measured and interpreted in terms of endogenous metrics. Steady state comparisons and dynamic simulations for tighten monetary policy are performed. Results show that the concepts considered have very interesting linkages in the banking sector. Financial frictions induce an imperfect pass-through of monetary policy weather adjustments of deposits and bank capital are quite different. Changings in bank allocations and prices lead to new financial resilience conditions and efficiency gains. Institutional interventions such as barriers to entry, compulsory deposit rules and capital requirements, could impose very particular changes in bank\'s choices whose effects would spill over all the concepts. Findings lead to important issues for policy makers regarding the effectiveness and absent coordination of interventions for banking sector. Furthermore, results address a new research area of optimal policy in a multidimensional perspective.
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Okhiria, Solomon. "Internet Banking in Sweden: An Exploratory study on its Symbiotic Benefits : MBA thesis in marketing." Thesis, University of Gävle, Department of Business Administration and Economics, 2007. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-225.

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Purpose – The growing importance of use of Internet banking as another service delivery channel by banks to their customers lead to a number of supposition and deductions been made on the value creation of Internet banking and its extent of use. In the light of this, a profound and comprehensive study was conducted with the aim to first, determine the extent of use of Internet banking in Sweden, second, to validate the conjecture and the anecdote inferences that Internet banking provides values to both the bank and its customers.

Design/Methodology/approach - To test the validity of the conjecture and the anecdote inferences made over the years, the author use data collected in two folds. One set was collected from financial institution “the big four banks” and the other set from 60 bank customers out of the 90 questionnaires administered.

Findings - The results provide first, evidence of the high rate of adoption of Internet banking in Sweden, second, the values the banks and its customers have enjoyed since the advent of Internet banking.

Research limitations/implications - Although this exploratory study approach may have validated the proposed model, further research into other cities is required to generalize these findings as this study has the limitation of using only Stockholm and the number of respondents used.

Originality/value - The findings contribute and support several other studies that pointed to the fact that use of Internet banking channel of delivery is on the increase, and its value creation far exceed all other service delivery channels; provide critical implications for managers of financial institutions, Internet service providing firms, government and highlight directions for future research.

Keywords Internet banking, Online banking, Service delivery channels, Technology-based, Enabled-service, Product-service Continuum

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Purohit, Ashish. "An investigation into the use of social media channels within the South African retail banking environment in support of creating and maintaining brand loyalty." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1018920.

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The use of social media in the retail banking environment has changed the way the banking industry communicates with customers, creates sales and performs marketing and operational tasks. Social media strategies need to be aligned to business goals and effectively used to integrate social media as part of the overall marketing strategy. Only by understanding brand loyalty, multi-channel systems and social media channels can marketers effectively implement social media. In measuring brand loyalty, factors that influence customer buying behaviour and components that influence online interaction are essential in engaging different groups of customers in social media. This research study aimed to examine the use of social media within the South African retail banking environment with a focus on creating and maintaining brand loyalty. An exploratory, mixed method research design was employed. Data collection instruments used in the study includes online surveys, structured interviews, and focus groups. Participants consisted of marketing personnel and customers. Three lead/head social media marketing personnel participated in the interview process, 14 marketing personnel took the online survey and 4 participated in a focus group. Participants for the online survey also consisted of 40 customers who were connected through the internet and performed various online banking activities. Data was analysed both quantitatively and qualitatively. Data from the online surveys completed by customers was analysed quantitatively using descriptive analysis, structural equation modelling (SEM) and factor analysis which was performed on the brand loyalty variables and the brand loyalty measures. Content analysis was used to qualitatively analyse data from the structured interviews. Data from the online surveys completed by marketing personnel was analysed quantitatively and qualitatively. Findings indicated that social media forms an integral part of the marketing strategy that needs be aligned with the core business goals. Banks therefore need to focus on creating campaigns that are fun, exciting and appealing to the target market. A culture of innovation and new ideas is essential to grow the product/service. Building brand trust and creating customer satisfaction forms the core of creating brand loyalty on social media. Banks need to be aware of factors that influence customer brand loyalty and components that influence loyalty on social media in order to measure things that matter through analytical tools so that an actionable strategy can be put in place and implemented.
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Sebitso, Nathaniel Maemu. "Monetary policy transmission in South Africa: a comparative analysis of credit and exchange rate channels." Thesis, Rhodes University, 2011. http://hdl.handle.net/10962/d1020851.

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This thesis focuses on monetary policy transmission and particularly seeks to examine the impact of credit and exchange rate channels of monetary policy transmission in the South African economy. South Africa's monetary policy has gone through several changes over the past thirty years. In this respect, there is a need for robust empirical evidence on the effects of these channels on inflation and output. The thesis employs a structural vector autoregressive (SVAR) model to identify monetary transmission in South Africa for the period 1994:q4 - 2008:q2. The form of the SVAR used in this thesis is based on the fact that South Africa is a small open economy, which means that external shocks are an important driver of domestic activity. The impulse responses and variance decomposition results show that the repo rate, credit and exchange rate play a role in terms of their impact on inflation and output. The dynamic responses to the identified monetary policy shock are consistent with standard theory and highlight the importance of the interest rate channel. A shock to the interest rate, increasing it by one standard deviation, results in a persistent fall in credit. The response of output is immediate as it falls and bottoms out within the second year. Inflation shows a lagged response, it is positive within the first year as the exchange rate depreciates but in subsequent quarters inflation responds negatively as expected. Inflation falls and reaches a minimum by approximately eight quarters then moves towards baseline. The exchange rate shows delayed appreciation. The shock to the repo interest rate leads to an immediate depreciation of the exchange rate in the first two quarters as output declines, followed by an appreciation in the third and sixth quarter. Due to larger error bounds the impact of the repo rate on the exchange rate could be less effective within the first two years. The impulse responses suggest that monetary policy plays an effective role in stabilising the economy in response to a credit shock, notwithstanding large standard error bounds. Hence, the monetary authority reacts by increasing the repo rate as a result of inflation. The impact of credit on output is positive but is offset to some extent by the rising repo rate. In response to the rand appreciation, the monetary authority reduces the repo rate significantly during the first year with the maximum impact in the second year and then returns to baseline thereafter. Therefore the monetary authority reduces the repo rate, probably to stabilise falling inflation. The result shows that inflation falls as a result of the rand appreciation. A shock to the exchange rate causes a rise in output, though small in magnitude, which is persistent but reaches baseline at the end of the period. This result could reflect the effects of the resultant fall in the repo rate and a persistent rise in credit over the whole period, which tends to increase output. The exchange rate shows an obvious and stronger immediate impact on inflation compared to credit impact on inflation. However, the credit shock has an obvious and stronger impact on output compared to an exchange rate impact on output. However, the large standard error bounds may imply that credit and exchange rate channels are not as effective in the short run. It is important to note that the results are based on the SVAR model estimated with percentage growth rate of the variables. The variance decomposition result is in line with the impulse responses and shows that the exchange rate and credit channels could be important transmission channels in South Africa over the chosen sample period. The exchange rate and credit shocks show a stronger effect on inflation than on output, looking at both the impulse responses and variance decomposition results. The reaction of the repo interest rate to the credit and exchange rate shocks comes out as expected. The repo rate increases as a result of an increase in the credit and falls as a result of the currency appreciation.
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Omoge, Akinyemi Paul. "The direct and mediated effects of customer relationship management (CRM) systems usage as service delivery channels on consumer buying behaviour : an empirical appraisal of the context of the Nigerian banking industry." Thesis, Robert Gordon University, 2016. http://hdl.handle.net/10059/2139.

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Ample evidence from the literature suggests that in recent years, banks have been heavily investing in customer relationship management (CRM) systems. The reasons for this are traced to banks' emergent need to gain and sustain competitive advantage through greater knowledge of their customers. In turn, this increased knowledge is likely to also lead to increased: a) customer base, b) customer satisfaction, c) customer retention and, d) customer loyalty. The literature suggests that there is a knowledge gap, which relates to the reasons for CRM systems in adoption and usage as service delivery channels, as well as its effects on banks' customers. This is particularly the case with regards to the banks' customers' buying behaviour and is stemming from the fact that bank customers display some unique buying patterns. Based on the above, the aim of this study is to find out whether or not there is a potential influence of newly implemented CRM systems on consumer buying behaviour in the context of the Nigerian banking industry and also to assess the extent and nature of this influence (if any).
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Books on the topic "Banking channels"

1

Opiela, Timothy P. Survey of the channels of the monetary transmission mechanism. Warsaw: National Bank of Poland, Research Dept., 1996.

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Associates, Bankable Frontier, and FSD Kenya, eds. Regulation and supervision of bank channels: Policy options for Kenya. Nairobi: FSD Kenya, 2010.

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Die Einführung von Telefonbanking als Vertriebswege-Entscheidung von Kreditinstituten. Frankfurt am Main: P. Lang, 1996.

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Cetorelli, Nicola. Banking globalization, monetary transmission, and the lending channel. Cambridge, MA: National Bureau of Economic Research, 2008.

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Valetopoulos, E. A. Strategic channel management in the Greek consumer banking sector. Oxford: Oxford Brookes University, 1995.

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Adams, Robert M. The effects of local banking market structure on the banking-lending channel of monetary policy. Washington, D.C: Federal Reserve Board, 2005.

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Githinji, Njenga, ed. Does bank lending channel exist in Kenya: Bank level panel data analysis. Nairobi: African Economic Research Consortium, 2012.

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Chami, Ralph. The stock market channel of monetary policy. [Washington, D.C.]: International Monetary Fund, IMF Institute, 1999.

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Choi, Woon Gyu. Liability dollarization and the bank balance sheet channel. [Washington, D.C.]: International Monetary Fund, IMF Institute, 2002.

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Arena, Marco. The lending channel in emerging economies: Are foreign banks different? [Washington, D.C.]: International Monetary Fund, Monetary and Capital Markets Dept., 2007.

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Book chapters on the topic "Banking channels"

1

Caselli, Stefano. "Corporate Banking Strategies: Products, Markets and Channels." In Strategy and Organization of Corporate Banking, 37–62. Berlin, Heidelberg: Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/3-540-26747-6_3.

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Pillai, Deepa, Bindya Kohli, and Dipayan Roy. "Divergent Media Channels for Expediting Financial Literacy Outreach." In New Challenges in Banking and Finance, 139–52. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-66872-7_11.

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Bindseil, Ulrich, and Alessio Fotia. "Financial Instability." In Introduction to Central Banking, 67–78. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-70884-9_5.

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AbstractIn this chapter, the central bank is put aside and we review simple models of financial instability, which will be the basis for the subsequent chapter to explain the role of the central bank as lender of last resort. We first recall that financial instability is mostly triggered by a negative shock on asset prices, and thereby on the solvency of debtors, which in turn worsens access to credit and can set in motion a liquidity crisis with vicious circles. We develop the concepts of solvency “conditional” and “unconditional” on liquidity: a decline in asset prices can lead an unconditionally solvent debtor to become only conditionally solvent, such that sufficient liquidity becomes decisive for preventing its default. We then apply these concepts to the stability of bank funding and introduce the problem of bank runs. We subsequently show why asset liquidity in a dealer market deteriorates during a financial crisis (increased volatility and uncertainty increase the required bid-ask spread); how asymmetric information can lead to a freeze of credit markets in a simple adverse selection model; how declining and more volatile asset prices drive increases of haircut, and how these can force fire sales and defaults of borrowers. We finally discuss the interaction between these various crisis channels.
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Tanda, Alessandra, and Cristiana-Maria Schena. "FinTech Activities and Business Models: Analogies and Differences with the Traditional Financial Channels." In Palgrave Macmillan Studies in Banking and Financial Institutions, 7–36. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-22426-4_2.

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Bluhm, Katharina, and Bernd Martens. "Change within Traditional Channels: German SMEs, the Restructuring of the Banking Sector, and the Growing Shareholder-Value Orientation." In Change in SMEs, 39–57. London: Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9780230227781_3.

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de Almeida, Olnei Fonseca, and Adriano B. Renzi. "Banking Cross-Channel System UX Evaluation." In Advances in Intelligent Systems and Computing, 559–70. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-20040-4_50.

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Ambros, Hans. "Multi-Channel — Strukturwandel im Retail Banking." In Neue Wege zum Kunden, 183–204. Wiesbaden: Gabler Verlag, 2001. http://dx.doi.org/10.1007/978-3-322-84447-7_9.

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Schneider, Günter. "Multi-Channel-Management bei Banken." In Bank- und Finanzwirtschaft, 353–87. Wiesbaden: Gabler Verlag, 1997. http://dx.doi.org/10.1007/978-3-322-82439-4_17.

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Oggenfuss, Christoph, and Sibylle Peter. "Datenmanagement als Schlüssel zum Erfolg im Multi-Channel-Banking." In Neue Wege zum Kunden, 316–26. Wiesbaden: Gabler Verlag, 2001. http://dx.doi.org/10.1007/978-3-322-84447-7_16.

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Wölfing, Dirk, and Olaf F. Mehlmann. "Multi-Channel-Konzepte für den multimedialen Marktplatz." In Handbuch Informationstechnologie in Banken, 105–24. Wiesbaden: Gabler Verlag, 1999. http://dx.doi.org/10.1007/978-3-322-99316-8_7.

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Conference papers on the topic "Banking channels"

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Gëzim, S. "BANKING SERVICES IN ALBANIA AND NEW DISTRIBUTION CHANNELS." In VII International Youth Conference "Perspectives of Science and Education". Prague: Premier Publishing s.r.o., 2020. http://dx.doi.org/10.29013/vii-conf-usa-7-78-83.

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Song, Wei, Shan Jia, and Shuang Li. "An empirical study of Chinese customers' preferences for service channels in China's retail banking." In 2010 International Conference on Financial Theory and Engineering (ICFTE). IEEE, 2010. http://dx.doi.org/10.1109/icfte.2010.5499422.

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Ramlall, Shanton, Marie Hattingh, and Phil Van Deventer. "Baby Boomers’ intention to use branch or digital banking channels in South Africa: An exploratory study." In SAICSIT '20: Conference of the South African Institute of Computer Scientists and Information Technologists 2020. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3410886.3410915.

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Skula, Ivan, Jan Bohacik, and Michal Zabovsky. "Use of Different Channels for User Awareness and Education Related to Fraud and Phishing in a Banking Institution." In 2020 18th International Conference on Emerging eLearning Technologies and Applications (ICETA). IEEE, 2020. http://dx.doi.org/10.1109/iceta51985.2020.9379220.

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Магомаева, Л. Р., and Д. А. Эбаев. "KEY DETERMINANTS OF INNOVATION IN THE BANKING SECTOR." In «АКТУАЛЬНЫЕ ВОПРОСЫ СОВРЕМЕННОЙ НАУКИ: ТЕОРИЯ, ТЕХНОЛОГИЯ, МЕТОДОЛОГИЯ И ПРАКТИКА». Международная научно-практическая онлайн-конференция, приуроченная к 60-ти летию член-корреспондента Академии наук ЧР, доктора технических наук, профессора Сайд-Альви Юсуповича Муртазаева. Crossref, 2021. http://dx.doi.org/10.34708/gstou.conf..2021.39.54.050.

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Нацеленность современной экономической системы на инновации предопределяет необходимость создания специализированной финансовой инфраструктуры «нового уровня и качества», позволяющей обеспечивать поставленные задачи инновационного развития. Эти обстоятельства в полной мере относятся к банковскому сектору, сбалансированное, устойчивое и нацеленное на положительное эволюционирование функционирование которого находится в зависимости от банковской инфраструктуры, ее количественной и, главное, качественной представленности. В связи с этим, в исследовании приводятся ряд трактовок банковской инфраструктуры, а также определены детерминанты формирования кросс-канальной банковской инфраструктуры, определяющие основные принципы стратегии развития информационных ресурсов при выведении на рынок современных банковских продуктов The focus of the modern economic system on innovation predetermines the need to create a specialized financial infrastructure "of a new level and quality", which allows to ensure theset objectives of innovative development. These circumstances fully relate to the banking sector, balanced, stable and aimed at positive evolution, the functioning of which depends on the banking infrastructure, its quantitative and, most importantly, qualitative representation. In this regard, the study provides a number of interpretations of the banking infrastructure, as well as identifies the determinants of the formation of a cross-channel banking infrastructure, which determine the basic principles of the strategy for the development of information resources when introducing modern banking products to the market.
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Cui, Jingdong. "Consumer Decision Process Model in Multi-channel Retail Banking." In 2007 International Conference on Service Systems and Service Management. IEEE, 2007. http://dx.doi.org/10.1109/icsssm.2007.4280113.

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Yılmaz, Durmuş. "Global Economy and Turkey: 2016 and Beyond." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01815.

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Irrespective of whether advanced economies (AEs) or emerging market economies (EMEs), the number one problem of the global economy is not being able to generate a satisfactory growth. Income levels is in some countries are barely above the per-crisis level. Despite ample liquidity due to quantitative monetary policies, consumption and investment demands are weak. Because high level of indebtedness deter economic agents from using credit. Credit markets still do not function well either. Quantitative easing policies have been successful in containing further deterioration. Despite ample liquidity inflation has not risen, but it did delivered the expected growth. Because banking system in AEs is weak and monetary transmission mechanisms are not functioning well. As for EMEs, commodity prices and World trade appears to be weak; economic growth are slowing down, capex is visibly falling in heavy industrial sectors due to already existing excess capacity. The academia as well as the business community are worried about the appropriateness of the present policies in case another recession comes, central banks will have little ammunition to deal with it. The option being talked of now is what is dubbed as “helicopter Money”. Turkey being an open economy, has been and will be effected by the developments in the global economy through trade, capital flows and expectation channels. By international standards, Turkey have a reasonable growth rate of 3 to 4 %, implying a new growth era where high growth cycle ended due to changing global financial conditions and its structural problems. Future growth performance will depend on the level of investments and savings to finance it. As her own saving is low, foreign capital flows is crucial. High inflation and interest rate are the two negatives, but it has a strong fiscal position, debt / GDP is 32.3%, the budget is almost balanced, producing primary surplus which proved it is resilience in the face of recent failed coup and the negative attitudes displayed by the rating agencies.
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Obinna, Omego, Eckhard Pfluegel, Charles A. Clarke, and Martin J. Tunnicliffe. "A multi-channel steganographic protocol for secure SMS mobile banking." In 2017 12th International Conference for Internet Technology and Secured Transactions (ICITST). IEEE, 2017. http://dx.doi.org/10.23919/icitst.2017.8356393.

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Obinna, Omego, Eckhard Pfluegel, Martin J. Tunnicliffe, and Charles A. Clarke. "Ensuring Message Freshness in A Multi-Channel SMS Steganographic Banking Protocol." In 2018 International Conference on Cyber Security and Protection of Digital Services (Cyber Security). IEEE, 2018. http://dx.doi.org/10.1109/cybersecpods.2018.8560688.

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Chaoqun Han and Shuiqing Yang. "Value-based adoption of mobile banking service: A multi-channel perspective." In 2010 International Conference on Information, Networking and Automation (ICINA 2010). IEEE, 2010. http://dx.doi.org/10.1109/icina.2010.5636459.

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Reports on the topic "Banking channels"

1

Cetorelli, Nicola, and Linda Goldberg. Banking Globalization, Monetary Transmission, and the Lending Channel. Cambridge, MA: National Bureau of Economic Research, June 2008. http://dx.doi.org/10.3386/w14101.

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Cardozo-Ortiz, Pamela Andrea, Fredy Alejandro Gamboa-Estrada, David Perez-Reyna, and Mauricio Villamizar-Villegas. Banking limits on foreign holdings : disentangling the portfolio balance channel. Bogotá, Colombia: Banco de la República, March 2016. http://dx.doi.org/10.32468/be.934.

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