Journal articles: 'Banking operations'

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Allen, Robert Anthony, Giannis Panagoulis, and Gareth Reginald Terence White. "Examining operational wastes within Greek banking operations." International Journal of Productivity and Performance Management 69, no. 1 (June 3, 2019): 153–68. http://dx.doi.org/10.1108/ijppm-01-2019-0004.

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Purpose In order to address operational effectiveness in the banking sector caused by the 2008 global economic crisis, the purpose of this paper is to examine the nature of operational wastes that exist within four large Greek banks. Design/methodology/approach A Delphi study was undertaken with ten managers and ten employees. Findings The waste of underutilised people is found to be the dominant form of waste present and affecting the efficiency of banking operations, and managers and employees consider the waste of underutilised people as having a significant influence on the efficiency of the banking sector. Practical implications This has implications for managers of banking operations needing to address efficiencies in an increasingly competitive global economic environment. The paper also highlights the drawbacks of analysing typologies of waste across organisations and industrial sectors. Originality/value While some studies have examined the overall efficiency banking sector, to date, none has explored the nature of the inefficiencies that manifest as waste.

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Sekretareva, T. M. "Banking transactions and banking operations as components of banking business." Финансы и кредит 23, no. 8 (February 27, 2017): 450–58. http://dx.doi.org/10.24891/fc.23.8.450.

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Demiroglu, Niiara, and Liliya Merdzhanova. "Cash management of banking operations." KANT 35, no. 2 (June 2020): 22–25. http://dx.doi.org/10.24923/2222-243x.2020-35.3.

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The article discusses the main characteristics of cash management of banking operations, which are necessary for choosing the optimal system for managing cash flows. The following tasks of cash management in the banking sector are highlighted: cash collection forecasting for cash recycling systems, tracking bundles of banknotes and coins, accounting and rejection of dilapidated bills, comprehensive cash collection management, and cash turnover management on a micro-and macro-scale. The role of operational efficiency in the banking sector is emphasized.

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Shendryk, V. V., T. L. Bilous, V. A. Vatras, and O. I. Kryvenko. "CORRUPTION RISKS WITHIN BANKING OPERATIONS." Financial and credit activity: problems of theory and practice 4, no. 31 (December 27, 2019): 70–79. http://dx.doi.org/10.18371/fcaptp.v4i31.190794.

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Пласконь, Світлана Андріївна, Ганна Іванівна Кармелюк, and Галина Василівна Сенів. "Management optimizing of banking operations." Technology audit and production reserves 3, no. 3(17) (June 26, 2014): 14. http://dx.doi.org/10.15587/2312-8372.2014.25390.

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Doma, Tamás, and Norbert Kozma. "The impact of the Covid-19 pandemic on the operational risk losses of Hungarian credit institutions." Economy & finance 9, no. 4 (2022): 299–318. http://dx.doi.org/10.33908/ef.2022.4.2.

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The operation of the banking sector in 2020 was determined by the outbreak of the coronavirus pandemic and, in connection with this, the maintenance of business continuity and safe operation. Due to the pandemic, losses appeared in different forms in banking operations, some of which are classified as operational risk losses. Through a quantitative and qualitative analysis of the operational risk losses of Hungarian banks linked to the pandemic, this study shows that despite the high nominal losses, the operation of the banking sector remained stable, and the capital allocated by the credit institutions for operational risks provided sufficient coverage for unexpected losses. The focus of the analysis on small and large banks showed that it was not the size of the institution and its capital calculation method, but the immediate decisions made to deal with the pandemic, as well as the infrastructural background, that determined the extent of the realized damages.

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Bukreev, M. Yu. "Responsibility for administrative delicts within banking operations." Law and Safety 69, no. 2 (December 26, 2018): 18–22. http://dx.doi.org/10.32631/pb.2018.2.02.

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The article is focused on scientific problems of administrative law. The author analyzed the scientific notions of administrative responsibility. The author gave a definition of administrative responsibility for administrative delicts within banking operations. The author identified specific features of administrative responsibility within banking operations. The article deals with the scientific approaches to the definition of responsibility for administrative delicts within banking operations. The author, with the help of the deductive method, outlines the scientific theories that interpret the responsibility for administrative delicts within banking operations. The author of the article substantiates the theory of responsibility for administrative delicts within banking operations, namely: security, punitive, management, coercion, obligation, conviction. The author considers the features that are inherent for administrative responsibility within banking operations. The author names specific features that are inherent for administrative responsibility within banking operations, namely: small public harm is based on normative, factual and procedural grounds, has negative consequences for delinquency, is accompanied by public condemnation of delicts, does not involve cryptography. It has been concluded that administrative responsibility for delicts within banking operations is the application of enforcement action for a delinquent offender (an individual or a legal entity) for the violation of banking legislation by the National Bank of Ukraine that are stipulated by the relevant administrative and legal norm. Responsibility for administrative delicts within banking operations is an element of state management mechanism, challenged to restore violated legal relations within banking operations that is protected by the relevant administrative and legal norm by imposing administrative fines for a delinquent offender.

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Petrović, Dragana, and Milan Novović. "Development and implementation of mobile banking in modern banking operations." Vojno delo 71, no. 4 (2019): 305–13. http://dx.doi.org/10.5937/vojdelo1904305p.

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Rizwana Begum, Dr. Asiya Jabeen, Tabassum Begum, Taiyaba Khanam, Tampa Sowmya Guna, and Tankari Deepika. "Transformative Waves: Impact of Information Technology on Operations of Commercial Banks in India." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 04 (April 6, 2024): 774–84. http://dx.doi.org/10.47392/irjaem.2024.0106.

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This research abstract provides a glimpse into a study focused on investigating the profound impact of Information Technology (IT) on the operations of commercial banks in India. Employing a mixed-methods approach, incorporating qualitative insights and quantitative analyses, this study aims to explore the multifaceted dimensions of IT integration, its challenges, and the resultant transformation in the operational landscape of Indian commercial banks. The qualitative aspect of the study involves interviews, case studies, and expert opinions to capture nuanced perspectives on how IT adoption has reshaped banking operations in India. Simultaneously, quantitative data will be analyzed to identify trends, correlations, and statistical patterns associated with the impact of IT on key operational metrics. Various dimensions of the impact of IT on banking operations will be investigated, including enhanced efficiency through automation, the evolution of digital banking channels, cybersecurity challenges, and the overall influence on customer experience. The study aims to provide insights into the strategic implications of IT integration for commercial banks in India. The findings from this research are anticipated to offer valuable insights for banking professionals, IT experts, policymakers, and decision-makers. By understanding the multifaceted impact of IT on operations, stakeholders can formulate strategies to harness technological advancements, address challenges, and contribute to the ongoing digital transformation of the banking sector in India. This study serves as a foundation for informed decision-making and future research within the realm of its impact on the operations of commercial banks.

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Zahid, Muhammad, Muhammad Jehangir, and Naveed Shahzad. "Towards Digital Economy." International Journal of E-Entrepreneurship and Innovation 3, no. 4 (October 2012): 34–46. http://dx.doi.org/10.4018/jeei.2012100103.

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Information and Communication Technologies (ICT) have changed business operation trends. Information systems are considered a valuable asset and have the attention of the strategic and marketing decision floors. Use of information system and ICT in the banking industry have become indispensable, and have replaced traditional operations with electronic banking concepts. Electronic banking has brought many challenges for strategic managers to achieve strategic goals and overall customers’ satisfaction. This research study aims to investigate the impact of electronic banking in the context of IT usage, ease of use, its usefulness and the customer satisfaction among the Pakistan banking industry. Pakistan’s top five commercial banks were selected in five districts of KPK for data collection. Three hundred and three electronic banking customers were interviewed through a questionnaire containing 21 relative questions. The SPSS is used for the analysis, on data collected through the questionnaire. Descriptive analysis, correlation, regression and ANOVA have been computed for the results interpretations. From these results, it was found that the customers strongly agree to use information technology for banking operations, but they believe that the use of electronic banking has problems. The management should focus on its method of use. The customers suggested that the electronic banking operations should be simplified, should be user friendly, should be easy to understand, and thus its usefulness will enhance in achieving highly satisfied customers.

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Bukreev, M. Y. "Banking operations as an object of administrative and legal protection." Bulletin of Kharkiv National University of Internal Affairs 81, no. 2 (December 13, 2018): 28–37. http://dx.doi.org/10.32631/v.2018.2.02.

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The subject matter of the research is the relations that are formed in the process of banking operations. It has been substantiated that banks and the banking system are among the most important financial institutions, which proper and stable functioning influences on all other spheres of life in the state. It is proved by the consequences of crises in the banking sector that have occurred in Ukraine over the past few years. Awareness of the importance of this area and the possible consequences of unlawful encroachments have determined the need to search for all legal means for combating delicts in the sphere of banking operations. Understanding the fact that one can achieve significant results in the sphere of protecting banking operations by administrative and legal means, has necessitated this scientific study. In order to analyze banking operations as an object of administrative and legal protection, the author has fulfilled the following tasks. The author has highlighted the use of the concepts of “protection” and “administrative and legal protection” in the context of their implementation in relation to banking operations. The foundations of Ukrainian and international administrative and legal regulation of protecting relations in the sphere of banking operations have been revealed. The essence and features of banking operations influencing the understanding of the sphere of protected relations have been outlined; and the content of administrative and legal protection of relations in the field of banking operations has been revealed. It has been noted that there is an extensive system of banking legislation on legal norms in Ukraine regulating banking operations that require legal protection. The practical significance of the obtained results of the article is determined by the substantiated provisions for improving the approaches to increase the efficiency of the administrative and legal protection of the relations in the sphere of banking operations. A number of practical results of the research can be used while studying administrative and legal means of protecting relations in the field of banking operations.

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Bello, Nabil, Aznan Hasan, and Buerhan Saiti. "The mitigation of liquidity risk in Islamic banking operations." Banks and Bank Systems 12, no. 3 (October 4, 2017): 154–65. http://dx.doi.org/10.21511/bbs.12(3-1).2017.01.

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The purpose of this paper is to discuss the issues and challenges of liquidity risk management in Islamic banks. At the same time, the authors are going to identify the sources of liquidity risk in Islamic banks and the common instruments used to mitigate liquidity mismatches in both sides of their balance sheets. The study is a qualitative study that uses secondary sources of data to describe and analyze risk mitigation in the Islamic banking context. Data were collected from libraries by referring to books, journals from both online and offline sources. The research objectives were addressed by critically analysing various issues from both the Islamic principles and contemporary applications. The authors found that Islamic liquidity management is an important building block for stable and efficient banking. Even though there are several attempts, for example, i) organized tawarruq (commodity murabahah), ii) salam sukuk and iii) short-term ijarah sukuk, to find solutions to the incessant problems of liquidity faced by majority of Islamic banks, there are still several underlying problems such as i) in terms of deficiency in infrastructure especially in countries where Islamic finance is still at an early stage, ii) lack of hedging instruments and iii) Shariah restrictions on some instruments. Regulatory bodies should come up with more innovative practices of Islamic liquidity management to solve unresolved theoretical issues and also meeting market requirements for liquidity.

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Hashimzai, Irshad Ahmed, and Mohammad Zameer Ahmadzai. "Navigating the Integration of Blockchain Technology in Banking: Opportunities and Challenges." International Journal Software Engineering and Computer Science (IJSECS) 4, no. 2 (August 10, 2024): 665–79. http://dx.doi.org/10.35870/ijsecs.v4i2.2656.

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Integrating blockchain technology within the banking sector represents a pivotal transformation, promising enhanced security, transparency, and efficiency in financial operations. This qualitative research employs a systematic review approach to investigate the current state, challenges, and prospects of blockchain adoption in banking, drawing insights from a comprehensive analysis of scholarly literature. Through a systematic search and review of relevant academic journals, conference papers, books, and reports, this study explores critical variables such as security, transparency, efficiency, challenges, opportunities, and impact associated with blockchain adoption in banking. Thematic analysis is the primary methodological approach to identify recurring themes, patterns, and relationships across literature, facilitating a nuanced understanding of blockchain's implications for banking operations. The findings reveal a dual nature of blockchain adoption in banking, highlighting significant opportunities alongside critical challenges. While blockchain technology offers enhanced security, transparency, and efficiency, challenges like scalability issues, regulatory uncertainties, and interoperability concerns persist. Nonetheless, the study underscores the transformative potential of blockchain in revolutionizing banking operations, urging policymakers and banking practitioners to address these challenges through continued research, technological innovation, and collaborative efforts. By leveraging blockchain effectively, the banking industry can navigate the digital landscape, enhance operational efficiency, and deliver superior customer experiences, thereby gaining a competitive edge in the financial sector

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14

Županović, Ivo. "Sustainable Risk Management in the Banking Sector." Journal of Central Banking Theory and Practice 3, no. 1 (January 1, 2014): 81–100. http://dx.doi.org/10.2478/jcbtp-2014-0006.

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Abstract The globalization of financial markets and negative consequences of the financial crisis resulted in negative connotations in the operation of many financial institutions, businesses and citizens and imposed the need to implement appropriate risk management measures in the banking sector. Evolution of the financial sector makes a lot of news in the field of risk management and particularly the modelling of market, credit and operational risk. The main methodology for risk management is the value-at-risk, which is used in practice with other techniques such as the capital- at-risk method in order to minimize business risks and achieve optimal results in the banking and, generally, financial operations. Accordingly, at all levels of governance in the banking sector, there are prudential policies in place governing the management of all types of financial and operational risks. Based on the abovementioned, the focus of the examination was on the above postulate, and prompt recognition, control and proper management of banking risks.

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Ingratubun, Muhammad Husni. "Implementation of Legal Substance and Sharia Values in Islamic Banking in a Muslim-Minority Region." Jurnal Minds: Manajemen Ide dan Inspirasi 9, no. 2 (September 21, 2022): 213–30. http://dx.doi.org/10.24252/minds.v9i2.29292.

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This study aims to investigate the factors that impede the application of Islamic law in the operation of Islamic banking in a non-Muslim region in Indonesia, i.e., Papua. The readiness of human resources in Islamic banking, both in quantity and quality, to support Islamic banking operations in this specific case is not well investigated. This study employs a descriptive-analytical normative legal study, with technical analysis of primary and secondary data qualitatively. The investigation indicates that the application of Islamic law to the operation of Islamic banking has not gone well, contrary to the goal of establishing Islamic banking with a profit-sharing system. The progress of Islamic banking falls short, despite the national growth target.

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Tanasova, Anna S., and Mels P. Tskhovrebov. "BANKING REGULATION OF PROJECT FINANCING OPERATIONS." Banking law 5 (September 25, 2019): 49–59. http://dx.doi.org/10.18572/1812-3945-2019-5-49-59.

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17

Il’ina, Anna V. "Banking operations in the securities market." Actual Problems of Economics and Law 09, no. 4 (December 1, 2015): 236–44. http://dx.doi.org/10.21202/1993-047x.09.2015.4.236-244.

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ERKES, Olena, Oksana KALYTA, and Tetiana SUNDUK. "Digitization of banking processes and operations." Foreign trade: Economics, Finance, Law 123, no. 4 (September 2, 2022): 69–80. http://dx.doi.org/10.31617/3.2022(123)06.

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Introduction. Due to the total digitization of banking processes and operations, foreign and domestic banks are actively transforming their activities from the traditional format of customer service in bank branches to the remote format of providing services online. Problem. Banks strive to function in the format of financial assistants available 24 hours a day. Therefore, virtual banks or neobanks which carry out their activities exclusively through remote sales channels with the help of Internet banking tools and mobile applications are actively developing. The aim of the article is to study foreign trends in the development of neobanks and prospects for the development of neobanking in Ukraine. Methods. The methods of theoretical generalization, analysis and synthesis, grouping, and systematic approach were used in the research process. Results. The key trends in the development of neobanks in Ukraine and the world have been studied. The foreign experience of the licensing mechanism of neobanks is considered. The dynamics of the number of neobanks in the world and their geographical affiliation are analyzed. The global trend of growth in the number of clients-users of neobanks is indicated. The peculiarities of the activity of domestic neobanks have been studied. The general problems and prospects for the development of neobanks in Ukraine have been identified. Conclusions. Neobanking in the world is in great demand by consumers of financial services and is interesting for investors, so the number of neobanks and their users in the world is growing at a high rate. The domestic banking sector is gradually introducing and implementing innovations in accordance with global trends in the development of banking services. Domestic neobanking gained a particularly noticeable development during the coronavirus pandemic and in the conditions of martial law. Due to the lack of a legislative initiative regarding the licensing and regulation of the activity of neobanks in Ukraine, their potential development is restrained. Currently, the development of domestic neobanks directly depends on state support for their activities, internal regulatory policy and competitive environment.

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Migdadi, Yazan Khalid Abed Allah. "Proposed typologies of banking operations strategy." International Journal of Services and Operations Management 16, no. 1 (2013): 42. http://dx.doi.org/10.1504/ijsom.2013.055557.

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Lancellotti, Roberto, Oliver Schein, Stefan Spang, and Volker Stadler. "ICT and operations outsourcing in banking." Wirtschaftsinformatik 45, no. 2 (April 2003): 131–41. http://dx.doi.org/10.1007/bf03250890.

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Agus Susila, Ahdiyat, Arinda Faradella Novianti, and Fischer Black. "Strategi Manajemen Sumber Daya Manusia (SDM)dalam Meningkatkan Kualitas Perbankan Syariah." Finance : Journal of Accounting and Finance 1, no. 1 (August 30, 2024): 32–50. http://dx.doi.org/10.55210/fjjg4188.

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This article discusses human resource management strategies to improve the quality of sharia banking operations. Human resources are a very important part of a company's operational activities. Because Islamic banking is still relatively new, one of the problems is the lack of skilled Islamic financing professionals, including Islamic banking academics and activists. The method used in writing this article is qualitative analysis using a literature review or literature study approach. The sources of information that I referenced when writing this article were several magazines, articles and official websites. This allows the author to obtain relevant information from previous research related to human resource management and further develop this research by combining several of these sources into one article. From these results it can be concluded that human resource management is very important to improve the quality of sharia banking operations. The task of human resource management is to manage the human element well to support the process of achieving company goals by attracting employees who can carry out their work well. Characteristics of human resources needed in sharia banking operations.

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Bidabad, Bijan. "GENERAL REGULATORY FRAMEWORK IN RASTIN PROFIT AND LOSS SHARING BANKING:." JBFEM 2, no. 1 (March 5, 2019): 51–66. http://dx.doi.org/10.32770/jbfem.vol251-66.

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This paper aims to explain some auxiliary regulatory pillars and complementary considerations and systems in Rastin Banking. Rastin Banking is a full Islamic Banking System with all necessary parts for banking operations that can be installed in conventional and Islamic banks both. In this paper, we are going to explain the auxiliary preparations of this banking system. Rastin Banking complies with the nature of financial intermediary activity (partnership of depositor in the yields of the fund receiver via the bank). In order to fulfil this goal despite particular formation, financial structure, instruments and workflow many other auxiliary considerations are defined to remove banking shortages in a legal framework. To handle Rastin Banking and to remove the common banking obstacles, a set of particular theoretical and operational regulatory frameworks should be defined to fulfil the participation operations. In this paper, we will have a look at the auxiliary legal environment to setup Rastin Banking. This system requires more elaborations for further practical development and adjustment. In this system, the investment return of the participation is distributed to the parties of financial partnership (depositor, entrepreneur and bank), and it is done by eliminating fixed interest rate.

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Bidabad, Bijan, Roohollah Mohammadi, and Mahshid Sherafati. "Organizational Design and Rules in Rastin Profit and Loss Sharing Banking." International Journal of Small and Medium Enterprises 2, no. 1 (June 15, 2019): 9–21. http://dx.doi.org/10.46281/ijsmes.v2i1.320.

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Purpose: This paper aims to explain the organizational structure of Rastin Profit and Loss Sharing (PLS) Banking. Rastin Banking is a full Islamic Banking System with all necessary parts for banking operations that can be installed in conventional and Islamic banks both. Design: Rastin Banking complies with the nature of the financial intermediary activity (the partnership of depositor in the yields of the fund receiver via the bank). To fulfill this goal, particular organizational structure, accompanying with instruments and workflow are defined. Findings: To handle Rastin Banking, particular theoretical and operational regulatory frameworks should be defined to fulfill the participation operations. In this paper, we will have a look at the necessary organizational structure to setup Rastin Banking. Research limitations: This plan was formed and tested in Bank Melli Iran in order to propose a model for other banks as well. Practical implications: In this system, the investment return of the participation is distributed to the parties of the financial partnership (depositor, entrepreneur, and bank), and it is done by eliminating fixed interest rate, and it is based on the real economy profit (return) of the activity. Social implications: Rastin Banking can lead to important positive effects on growth and economic welfare through money and capital markets. Interest rate as an essential factor in conventional banking is not usable in Islamic banking and other similar institutions that work based on partnership, such as mutual funds and saving and loan associations. Originality/value: Approach of this system is entirely different from conventional banking. In addition to removing usury in banking activities, Rastin Banking uses the best practical ethic finance to creating safe and public confidence environment for banking operations. Article Type: Technical paper

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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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M. Anwarul Islam, K. "Mobile Banking Operations and Banking Facilities to Rural People in Bangladesh." International Journal of Finance and Banking Research 2, no. 4 (2016): 147. http://dx.doi.org/10.11648/j.ijfbr.20160204.14.

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Cosset, Jean-Claude, and Laurent Lampron. "Rentabilité, risque et diversification internationale des banques à charte canadiennes." Articles 58, no. 4 (January 21, 2009): 477–92. http://dx.doi.org/10.7202/601034ar.

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Abstract This paper examines in the framework of the asset pricing theory how the internationalization of banking operations has influenced the returns and the risk of Canadian chartered banks. Banking statistics reveal that in the last decade the Canadian banks have greatly increased their foreign operations. These statistics also indicate that the development of international banking operations has been more remarkable than that of domestic banking operations. Contrary to some banks' claims, our evidence reveals that average returns on foreign operations have been inferior to those obtained on purely Canadian operations. Moreover, in conformity with the asset pricing theory we have found that the systematic risk of international operations is smaller than that of domestic operations. Our results suggest that Canadian chartered banks have reduced their overall risk in internationalizing their operations.

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Edith Ebele Agu, Njideka Rita Chiekezie, Angela Omozele Abhulimen, and Anwuli Nkemchor Obiki-Osafiele. "Harnessing digital transformation to solve operational bottlenecks in banking." World Journal of Advanced Science and Technology 6, no. 1 (August 30, 2024): 046–56. http://dx.doi.org/10.53346/wjast.2024.6.1.0046.

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The banking industry is undergoing a digital transformation, driven by the need to address operational bottlenecks and improve efficiency. This transformation involves the integration of digital technologies into all areas of banking operations, from customer service to back-office processes. By harnessing digital transformation, banks can streamline operations, reduce costs, and enhance customer experiences. One of the key areas where digital transformation is making an impact is in customer service. Banks are leveraging digital technologies such as chatbots and mobile apps to provide customers with convenient and personalized banking experiences. These technologies enable customers to access banking services anytime, anywhere, leading to higher satisfaction levels and increased loyalty. Another area where digital transformation is driving change is in back-office operations. Banks are automating manual processes and implementing advanced analytics to improve efficiency and reduce errors. For example, banks are using robotic process automation (RPA) to automate repetitive tasks such as data entry and document processing, freeing up employees to focus on more value-added activities. Furthermore, digital transformation is enabling banks to enhance risk management and compliance processes. Banks are using advanced analytics and machine learning algorithms to analyze data and detect potential risks in real-time. This proactive approach to risk management helps banks mitigate risks and ensure compliance with regulatory requirements. Overall, digital transformation is revolutionizing the banking industry by enabling banks to address operational bottlenecks and improve efficiency. By harnessing digital technologies, banks can streamline operations, reduce costs, and enhance customer experiences. However, banks must overcome challenges such as legacy systems, data security concerns, and regulatory compliance to fully realize the benefits of digital transformation. Nevertheless, the potential benefits of digital transformation in banking are substantial, and banks that embrace this transformation are likely to gain a competitive edge in the industry.

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Quadri, Yusuf, Ayorinde Olutimi Akinwumi, Kudirat Mopelola Malik-Abdulmajeed, and Ifedolapo Oluwasolape Omotosho. "Agent Banking, Mobile Money Operation and Financial Inclusion in Nigeria: Supply Side Perspective." TIJAB (The International Journal of Applied Business) 8, no. 1 (March 25, 2024): 104–16. http://dx.doi.org/10.20473/tijab.v8.i1.2024.43814.

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Background: The inability to achieve optimum financial inclusion in Nigeria has necessitated the review of various policies and instruments meant to reduce the level of financial exclusion. Objective: Hence this study investigates the impact of agent banking and mobile money operation on financial inclusion in Nigeria, focusing on the supply side. Method: Descriptive research design was adopted and secondary data ranging from 2013 to 2021 were obtained from the World Bank Global Financial database and e-payment statistics of the Central Bank of Nigeria. Ordinary least squares repression was used to analyse the data. Results: Findings revealed that at 5% significance level, point-of-sale and mobile money operations have a positive impact on financial inclusion while web/internet banking plays a limited role in achieving financial inclusion. Conclusion: The study concluded that both agent banking and mobile money operations impact on financial inclusion in Nigeria; the study, therefore, recommends that more off-site automated teller machine and licensed agents should be encouraged to cater for the rural residents and ultimately improve financial inclusion. Keywords: Agent Banking, Financial inclusion, Mobile Money Operation

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Chew, Boon Cheong, Lay Hong Tan, and Syaiful Rizal Hamid. "Ethical banking in practice: a closer look at the Co-operative Bank UK PLC." Qualitative Research in Financial Markets 8, no. 1 (February 1, 2016): 70–91. http://dx.doi.org/10.1108/qrfm-02-2015-0008.

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Purpose – The main purposes of the study were to investigate the ethical banking operations based on the award-winning the UK Co-operative Bank which has successfully brought significant implications on sustaining the nation’s (the UK) socioenvironmental development. The Co-operative Bank operations are conceptualised into a solid ethical banking operations framework (EBOF) to contribute theoretically into enriching the body of the knowledge. Besides, by understanding the EBOF of an ethical banking system, the other banking players like the Malaysian bank can learn from this best practice and gradually shape its operation to become more ethical. Design/methodology/approach – The case study on the UK Co-operative Bank was based on primary data collected through a series of qualitative focus group conducted on 20 senior bank managers who were interested and were supportive of this research project. These experienced respondents are actively involved in the Co-operative Bank’s “Corporate Ethical Policy” formulation, as well as the implementation of this policy into the Co-operative Bank’s daily operations. Besides, secondary data are reviewed to obtain a more comprehensive understanding on the Co-operative Bank. The research began in December 2012 and was completed in August 2014. The main reason the researchers opted for qualitative studies is to comply with the criteria of inductive approach, whereby the final outcomes (EBOF) include the crystallisation of the ethical banking operations, which could be generalised theoretically and empirically. Findings – At the end of the study, EBOF based on the Co-operative Bank’s ethical operations (as the case studied) is constructed. As a conclusion, the Co-operative Bank has done tremendously well in sustaining the UK’s socioenvironmental development, which justifies the reason why the Co-operative Bank has won numerous prestigious awards and is being well recognised nationally and regionally. Practical implications – The novelty concept of ethical banking is driven by the global socioenvironmental initiative that influences some of the major financial institutions which are proactively and gradually shaping their corporate image in safeguarding the community around the environment. This research has successfully attained the ultimate objective to foster knowledge transfer through learning from the best (from the UK Co-operative Bank) in shaping local (Malaysia) ethical banking. Originality/value – This study constructs the EBOF based on the Co-operative Bank’s ethical operations that could be empirically disseminated and adopted in other banks’ operations (across the globe). This is aimed in shaping the local banking industry to become more ethical (learning from the best practice of the UK Co-operative Bank) in wealth creation that places high emphasis on socioenvironmental benefits rather than economic gain on profit maximisation alone. Besides, the EBOF contributes and enriches the body of the knowledge about ethical banking operations.

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Sentosa, Steve, Richardus Eko Indrajit, and Erick Dazki. "Enterprise Architecture of the Basic Banking Feature for a New Challenger of Digital Banking in Indonesia." sinkron 8, no. 4 (October 2, 2024): 2197–211. http://dx.doi.org/10.33395/sinkron.v8i4.14116.

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Digital transformation has significantly impacted Indonesia's banking industry, leading to the rise of digital banks that leverage technology for their operations, posing challenges to traditional banking models. This research investigates the implementation of enterprise architecture within the core features of digital banking in Indonesia, utilizing the TOGAF framework and Archimate modeling. The study's primary objective is to identify the core processes, challenges, and opportunities associated with managing the complex architecture of digital banks. Employing a qualitative methodology, data were gathered through in-depth interviews, direct observations, and a review of pertinent literature. The research identified three central processes in digital banking operations: deposits, time deposits, and loans. These processes were then modeled using the TOGAF framework and Archimate to align business strategies with operational activities more effectively. The SWOT analysis conducted highlights digital banks' strengths in operational efficiency, strategic partnerships, and innovation capabilities, while also recognizing weaknesses such as technological dependency and challenges in serving the less tech-savvy population. The study also identifies opportunities for product innovation, market expansion, and ecosystem integration. However, threats like regulatory changes, increased competition, and cybersecurity risks must be carefully managed. The research recommends adopting emerging technologies, enhancing third-party risk management, and improving customer data security and privacy to bolster digital banks' global competitiveness, operational sustainability, and service innovation.

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Bakić, Darko. "The impact of mobile technologies and the internet on the future of banking operations." Bankarstvo 51, no. 2 (2022): 117–46. http://dx.doi.org/10.5937/bankarstvo2202117b.

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The rapid development of information technologies, which have found application in all areas of human activity, has also led to changes in the way of banking operations. Traditional banking inevitably involved going to the bank to use banking services. Nowadays, bank services are available to clients in their homes or anywhere else. This is primarily the result of the development of the Internet and mobile technologies, which has led to the development of new types of banking operations, known as internet banking and mobile banking. These two types of banking will represent the backbone of future banking activity.

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Wu, Junjie, and Hao Jiang. "The Impact of Revenue Diversification on the Performance of Chinese Commercial Banks." Academic Journal of Management and Social Sciences 4, no. 1 (August 30, 2023): 50–55. http://dx.doi.org/10.54097/ajmss.v4i1.11527.

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Since the 18th National Congress of the Party, the intensity of financial reforms has been continuously increasing. Against this backdrop, the competitive environment within China's banking sector has become more challenging, leading various banks to confront a spectrum of challenges while also encountering opportunities for growth. With the advancement of marketization, numerous banks have engaged in various forms of operations. This paper employs the Generalized Method of Moments (GMM) dynamic panel model to investigate the impact of diversified operations on the performance of Chinese banks. It posits that the advantages of contemporary diversified operations have not been fully realized due to factors such as operational costs and risk exposure. Accordingly, Chinese commercial banks should devise enhanced risk management strategies, bolster oversight, foster ongoing innovation, and progressively embark on diversified operations. This approach aims to manifest the benefits of operational diversification, thus fostering improvements in banking performance.

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Moussa, Hanatou Laya, and Anita Bans-Akutey. "Technology and banking operations: Perspectives of international students in a Ghanaian University." Annals of Management and Organization Research 4, no. 1 (May 11, 2023): 21–33. http://dx.doi.org/10.35912/amor.v4i1.1485.

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Purpose: The study analysed perceptions of international students in a Ghanaian private university college on the effect of information technology on banking operations as they have experienced it in Ghana. Research methodology: A mixed methods research approach was used for this study. Data were collected from 60 international students who were sampled randomly from the population of international students in the college. Descriptive statistics from IBM SPSS Statistics 24 was used to analyse quantitative data, while thematic analysis was used to analyse qualitative data. Results: Findings showed that even though information technology affects banking operations positively by making operations efficient, easier and faster for both employees and customers; it has increased the rate of fraudulent banking activities. This has exposed clients and employees alike, to a higher risk of fraud and other fraud-related activities. Limitations: This study was limited to international students of a private university college in Ghana. Data were collected from an online survey; hence a limitation to the number of international students who participated in the study. Contribution: Despite the fact that information technology influences banking operations in Ghana positively, it has resulted in increased fraudulent activities related to banking operations. This requires that policymakers improve online security in the banking space. Novelty: There is an emphasis that though technology’s use in banking operations has a positive effect, it also presents banking institutions with an increased risk of fraud as perceived by international students schooling in a private tertiary institution in Ghana.

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Sоkić, Мirо, Мilоš Мilutinоvić, and Alеksаndаr Dаmnjаnоvić. "Efficiency assessment of banking operations in Serbia." Poslovna ekonomija 13, no. 1 (2019): 1–14. http://dx.doi.org/10.5937/poseko15-19063.

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Chalyy, Yu I., V. A. Kroytor, and S. A. Zahorodnii. "JUSTICE AS A PRINCIPLE OF BANKING OPERATIONS." Financial and credit activity: problems of theory and practice 1, no. 32 (March 30, 2020): 65–73. http://dx.doi.org/10.18371/fcaptp.v1i32.200144.

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Simonova, A. "Spatial factor of banking operations in Kyiv." Ekonomichna ta Sotsialna Geografiya 69 (2014): 145–51. http://dx.doi.org/10.17721/2413-7154/2014.69.145-151.

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Djojosugito, Reza. "Mitigating legal risk in Islamic banking operations." Humanomics 24, no. 2 (May 23, 2008): 110–21. http://dx.doi.org/10.1108/08288660810876822.

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Correa, Romar. "Demand deposit banking and open market operations." Macroeconomics and Finance in Emerging Market Economies 1, no. 1 (March 2008): 67–73. http://dx.doi.org/10.1080/17520840701856241.

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Peycheva, Yordanka. "Innovations in the Security of Banking Operations." Izvestia Journal of the Union of Scientists - Varna. Economic Sciences Series 12, no. 3 (December 1, 2023): 138–45. http://dx.doi.org/10.56065/ijusv-ess/2023.12.3.138.

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The contemporary changing technological environment forces all economic units to go through a digital transformation. The banking industry is in the epicenter of this change. Credit institutions seek to adapt a business model that is increasingly customer-oriented, providing new services with greater transparency and levels of security. The growing demand for more effective protection against fraud, phishing attacks, theft of identities and ensuring better levels of security in a timely manner is increasingly central topic in retail banking. The issue of security, as in the territory of bank branches, ATM-devices, as well as in the provision of online and mobile services, arouses the interest of credit institutions to the use of biometric identification technology. Biometric technologies are becoming an indispensable part of the means of personal verification and secure identification activities in banking institutions.

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Yun, Jiawen, and Shanyue Jin. "The Degree of Big Data Technology Transformation and Green Operations in the Banking Sector." Systems 12, no. 4 (April 17, 2024): 135. http://dx.doi.org/10.3390/systems12040135.

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Green finance, an essential tool for high-quality economic development, is valued by policymakers and researchers in line with the growing global concern for environmental protection, climate change, and sustainable development. The banking sector, as a major part of China’s green financial system, undertakes significant responsibility for green finance while also confronting the opportunities and requirements of digital transformation. Big data technology is a major driver of digital transformation in the banking sector and can improve the green operational capability of the banking sector. The purpose of this study is to explore the ways in which the extent of big data technology transformation in the banking sector in China affects its ability to operate in a green manner and to analyze the moderating role of green credits, funds, and bonds. For this reason, this study selected A-share listed banks in China from 2015 to 2022 as research subjects and adopted a panel data regression method to study the impact of the degree of big data technology transformation on green operations. The results demonstrate that the degree of big data technology transformation in the banking sector positively influenced green operations. Green credit, funds, and bonds played a moderating role, meaning that financial products strengthened the role of the degree of big data technology transformation in green operations. This study examined the effect of big data technology transformation in the banking sector and enriches research on green finance. This study also provides practical insights for investors and regulators concerned with green development in the banking sector.

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Hendryadi, Hendryadi, Isah Shehu Mohammed, and Ade Nur Rohim. "Covid-19 and Islamic banking: A short commentary from Indonesia and Nigeria." SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam 5, no. 1 (January 22, 2023): 19–24. http://dx.doi.org/10.36407/serambi.v5i1.852.

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Covid-19 has brought a number of changes and impacts on banking system in Nigeria and Indonesia. Although Islamic Banking is not being operated to its optimal in the country, the Pandemic has had significant effect on both the general banking operations and the Islamic Banking sub-sector. The public, customers, have devised other means of financial dealings, hours spent on banking and rate of operations affected, the rate at which customers frequently move into banks reduced, more mobile banking users, and increased usage of a wide variety of banking services. This also resulted in more internet and mobile banking demands by customers, but less physical presence of customers at banking halls.

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Okorie, Martina Chinazom, and David Onyinyechi Agu. "Does Banking Sector Reform Buy Efficiency Of Banking Sector Operations? ? Evidence from Recent Nigerias Banking Sector." Asian Economic and Financial Review 5, no. 2 (2015): 264–78. http://dx.doi.org/10.18488/journal.aefr/2015.5.2/102.2.264.278.

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Ермаков, В., and V. Ermakov. "Banking Reform: New Development in Banking Legislation in 2017." Auditor 3, no. 11 (December 7, 2017): 43–48. http://dx.doi.org/10.12737/article_5a17cb7277d1e7.16411632.

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Th is article is devoted to legislative changes in the activities of Russian credit institutions that come into eff ect in 2018. Th ese changes in legislation lead to the creation of a two-tier system of credit institutions with signifi cant diff erences in the possibilities for conducting banking operations and other transactions.

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Hassan, Abas Mohamed, Zakarie Abdi Warsame, and Mustafa Mohamed Haji. "Determinants of Technological Innovation Adoption and Banking Operations of Some Selected Commercial Banks in Somalia." International Journal of Membrane Science and Technology 10, no. 3 (September 14, 2023): 2232–42. http://dx.doi.org/10.15379/ijmst.v10i3.1948.

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It's amazing to see how technology is transforming the financial industry. From accounting to management, technology has revolutionized all aspects of banking, and customers are benefiting from better and more streamlined services. The aim of this study is to explore the impact of technological innovations on the operations of commercial banks in Somalia. Through a cross-sectional survey of licensed bank employees, this study investigates the relationships between perceived ease of use, compatibility, and IT infrastructure in shaping banking operations. Employing the Yaro Yamane formula, a sample size of 196 was determined for the survey. Data was analyzed using SPSS and SmartPLS, revealing that IT infrastructure and perceived ease of use have a significantly positive influence on banking operations, while compatibility had insignificant relations with banking operations. These findings align with previous research, indicating that advanced technology enhances customer experience, interconnects banking systems, improves efficiency, and fortifies security measures. This study recommends collaborative efforts between the Somali government and the Central Bank to enhance security measures and combat fraud in electronic banking, thereby fostering investor confidence and facilitating economic growth. The research contributes to the ongoing transformation of the Somali banking sector through insightful determinants of technological innovation adoption.

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Shetty, Aman, Balakrishnan S, S. Prasath, and Bharath S. "Digital Perception on Changes Experienced in Modern Banking Services Perceptional Study in Salem City." International Journal of Membrane Science and Technology 10, no. 3 (August 16, 2023): 3325–28. http://dx.doi.org/10.15379/ijmst.v10i3.3295.

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The adoption of new technology to provide digital banking to enhance ease of use, transaction speed and an improved overall experience is essential for banking institutions to remain competitive both locally, and internationally. The digitalization of banking has revolutionized banking operations and practices. In India specifically, banking services have changed dramatically since the economic liberalization of 1991, but particularly over the last decade with rapid adoption of technology with the aim of improved operational and administrative efficiency. This study aims to evaluate the perception amongst customers and bankers in the Southern Indian city of Salem, on the changes experienced in banking services vis-a-vis adoption of technology and the issues faced in this regard its relationship to customer (and Banker) demographics.

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Amijaya, Rachmania Nurul Fitri, and Rochmatulloh Alaika. "Does Financial Risk Matter for Financial Performance in Sharia Banks?" Jurnal Ilmu Ekonomi Terapan 8, no. 1 (June 24, 2023): 24–40. http://dx.doi.org/10.20473/jiet.v8i1.44675.

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This study seeks to examine the impact of operational, liquidity, and credit risks on financial performance (ROA) at national Islamic commercial banks from 2015 to 2021. The model includes control variables such as technological risk (E-Banking) and macroeconomic variables (BI rate and inflation). This study used seven national Islamic banking businesses as examples. This work employs the panel data regression technique to investigate a mixture of time series from 2015 to 2021. In this study, the independent variables are credit risk as measured by Non-Performing Finance (NPF), liquidity risk as measured by Finance to Deposit Ratio (FDR), operational risk as measured by Operations Expenses to Operations Income (BOPO), and performance bank finances as measured by Return on Assets (ROA). According to the study’s findings, the variable credit risk (NPF), operational risk (BOPO), and technological risk (E-Banking) all significantly and negatively affect financial performance (ROA). Meanwhile, neither liquidity risk nor inflation has a significant positive impact on financial performance (ROA). Furthermore, the BI rate has a negative, but not statistically significant, impact on financial performance (ROA).

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Hasan, Morshadul, Ariful Hoque, and Thi Le. "Big Data-Driven Banking Operations: Opportunities, Challenges, and Data Security Perspectives." FinTech 2, no. 3 (July 19, 2023): 484–509. http://dx.doi.org/10.3390/fintech2030028.

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At present, with the rise of information technology revolution, such as mobile internet, cloud computing, big data, machine learning, artificial intelligence, and the Internet of Things, the banking industry is ushering in new opportunities and encountering severe challenges. This inspired us to develop the following research concepts to study how data innovation impacts banking. We used qualitative research methods (systematic and bibliometric reviews) to examine research articles obtained from the Web of Science and SCOPUS databases to achieve our research goals. The findings show that data innovation creates opportunities for a well-developed banking supply chain, effective risk management and financial fraud detection, banking customer analytics, and bank decision-making. Also, data-driven banking faces some challenges, such as the availability of more data increasing the complexity of service management and creating fierce competition, the lack of professional data analysts, and data costs. This study also finds that banking security is one of the most important issues; thus, banks need to respond to external and internal cyberattacks and manage vulnerabilities.

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Tkachuk, Iryna. "Asset operations of Ukrainian banks on the current stage of banking system development." Banks and Bank Systems 12, no. 1 (April 26, 2017): 119–27. http://dx.doi.org/10.21511/bbs.12(1-1).2017.04.

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The aim of the article is to characterize the real stage of realization of asset operations of the Ukrainian banks on the current stage of banking system development. For this aim the analysis of the Ukrainian banks activities within the period of 2011-2016 year is made. The official statistical data of the National Bank of Ukraine on asset operations of the Ukrainian banks and indicators of economic norms of banking were used. Thus, the current stage of credit operations realization by the banks of Ukraine, credit risk of the Ukrainian banks, and investment operations of the banks of Ukraine and the level of their investment risk were researched. It has been elicited that the most numerous operations among all of the asset operations of the Ukrainian banks throughout the study period were credit operations, the volume of which, regardless of the decrease in 2013 and 2016, had a clear tendency for increase. It has been calculated that within the study period the share of loans to business entities was continuously increasing, while the share of loans to private individuals was continuously decreasing, which led to the significant change in the proportions between these two groups of loans. It has been substantiated that the whole banking system was implementing the regulatory standards of credit risk set by the National Bank of Ukraine throughout the whole study period, which signifies that the credit activity of the Ukrainian banks was being conducted in the regulatory framework set by the authorities. Investment operations of the Ukrainian banks in the period of 2011-2016 constituted the second largest group among all of the asset operations. It has been determined that their volume increased significantly within the study period and as a result their share in the general volume of asset operation of the Ukrainian banks increased as well, which signifies a certain diversification of asset operations of the Ukrainian banks.

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Olurotimi, Ogunwale, Akintoye Rufus, Ogbebor Ifeanyi, and Ademola Olufemi. "Impact of Electronic Banking on the Operational Efficiency of Small and Medium Scale Businesses in South-western Nigeria." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 20 (March 31, 2023): 770–76. http://dx.doi.org/10.37394/23207.2023.20.71.

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This research aimed at studying electronic banking and how it has impacted the efficiency of operations of SMSE in Nigeria. The research objective was to investigate the bearing of electronic banking on operational efficiency of SMEs in South-western Nigeria, making use of Lagos and Ogun States as a case study. The study relied on information gathered through surveys. Operational efficacy of micro, small, and medium-sized businesses served as dependent variable while POS machines (point of sale), Internet banking, ATMs, mobile banking apps, and SMS messages served as the independent variables. Primary data was sourced through the use of questionnaire while the multiple linear regression model was used to estimate the sourced data. The findings displayed that while ATM use ( = 0.20, p = 0.3114), MOP ( = 0.04, p = 0.5631), and SMS ( 0.07, p = 0.4339) had no significant effect on operational efficiency of SMSEs in South-western Nigeria, POS had an impact that is both favourable and considerable. Given the benefit of electronic banking to SMSEs, it was recommended that SMSEs should be motivated and supported to adopt the POS electronic banking platforms.

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Aldeen, Khaled Nour, Syed Alamdar Ali Shah, and Sri Herianingrum. "PATRONAGE OF ISLAMIC AND CONVENTIONAL BANKS: THE CASE OF SYRIA." al-Uqud : Journal of Islamic Economics 3, no. 2 (July 10, 2019): 98. http://dx.doi.org/10.26740/al-uqud.v3n2.p98-113.

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The aim of this study is to understand perception of conventional banks’ customers towards Islamic banking by examining their level of awareness about Islamic banking. The qualitative approach was used in the form of semi-structured interviews under the phenomenological approach in Damascus city. The main findings of this research are customers lack awareness of Islamic banking operations. Furthermore, Islamic banks’ stuff play a crucial rule to enhance awareness and willingness towards their services. This study revealed that an informative advertising campaign is highly recommended to raise the awareness level among Syrians towards Islamic banking. Moreover, Islamic banks should be more selective especially when they recruit customer service operation staff. This research is a pioneering attempt towards Islamic banking issues in the case of Syria from a customer perspective. It contributes to the Syrian perceptions towards Islamic banking literature.

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Journal articles on the topic 'Banking operations'

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