Log in

Relevant bibliographies by topics / Banking product competitiveness / Journal articles

To see the other types of publications on this topic, follow the link: Banking product competitiveness.

Journal articles on the topic 'Banking product competitiveness'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Banking product competitiveness.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Paulina. "Measurement of Competitiveness and Market Concentration of Indonesian Banking Sharia." Economics and Business Quarterly Reviews 4, no. 2 (2021): 10–21. https://doi.org/10.31014/aior.1992.04.02.341.

Full text

Abstract:

This study aims: (1) The extent of competitiveness of sharia banking in Indonesia's current economic development; (2) How far the strength of the sharia banking market in Indonesia today. The research conducted to measure the competitiveness of sharia banking in Indonesia and market forces encountered, using the observation period 2010-2016, and the data used is time series and cross section data. The research design used in research is quantitative research, by using model Lerner Index, PR-H Statistics Model, and multiple regression. Based on the results of the study, 1. Using the Lerner

APA, Harvard, Vancouver, ISO, and other styles

2

Darmantyo, Dimas Ari, Ratno Ratno, and Yustiana Wardhani. "Increasing the competitiveness of Rural Banks through an innovation approach in Bogor District." Management Journal of Binaniaga 5, no. 02 (2020): 129. http://dx.doi.org/10.33062/mjb.v5i2.394.

Full text

Abstract:

Competition in the banking world in increasing the value of its assets is getting tighter.The presence of financial technology adds to the tight competition in the banking world. Rural Banks (BPR) which focuses on small community services and MSMEs must innovate in order to survive in the banking industry. This research aims to find out if there is an influence of product innovation, process innovation, marketing innovation and organizational innovation on business performance, with accidental sampling method to obtain 150 samples of BPR Customers Bogor District, this research uses Structural

APA, Harvard, Vancouver, ISO, and other styles

3

Каримова, М. И. "Improving the competitiveness of a banking product in the conditions of the digital economy." Russian Economic Bulletin 7, no. 2 (2024): 239–44. http://dx.doi.org/10.58224/2658-5286-2024-7-2-239-244.

Full text

Abstract:

Аннотация: вопросы конкурентоспособности в банковской системе является наиболее важной, так как рассмотрены процессы концентрации и капитализации в системе банковских услуг Республики Таджикистан. Одним из важных путей институционального укрепления банковских и финансовых институтов в условиях сложившейся высокой концентрации банковского капитала является приоритетное развитие сети малых и средних банков, создающих конкуренцию крупным банкам. В условиях переходной экономики, которая унаследовала жесткую олигополистическую структуру от периода плановой системы, развитие банковской конкуренции н

APA, Harvard, Vancouver, ISO, and other styles

4

Ntamvutsa, Aubrey, and Samson Gitahi. "Strategic Factors Influencing Banking Sector Competitiveness in Rwanda. A Case Study of Bank of Kigali, Rwanda." Journal of Strategic Management 7, no. 3 (2023): 121–51. http://dx.doi.org/10.53819/81018102t6067.

Full text

Abstract:

Several financial institutions in Rwanda have closed as a result of the current economic crisis, making it difficult to conduct this research. A country's economic well-being particularly that of Rwanda, hinges on the strength of its banking system. The purpose of this study is to investigate the strategic factors that contribute to the competitiveness of the banking industry in Rwanda. These factors include strategic product accessibility, strategic customer relationship marketing, strategic leadership, and strategic technology adoption. A cross-sectional survey design was used as the researc

APA, Harvard, Vancouver, ISO, and other styles

5

Emadakov, Roman Yu. "Analysis of the factors of competitiveness formation of a banking product (service)." Vestnik of the Mari State University. Chapter “Agriculture. Economics” 6, no. 1 (2020): 82–91. http://dx.doi.org/10.30914/2411-9687-2020-6-1-82-91.

Full text

APA, Harvard, Vancouver, ISO, and other styles

6

Istudor, Nicolae, Dan Costin Nitescu, Valentin Florentin Dumitru, and Cristian Anghel. "Banking, Competitiveness and Sustainability: The Perspective of the Three Global Actors: US, China, Europe." Journal of Competitiveness 14, no. 3 (2022): 59–75. http://dx.doi.org/10.7441/joc.2022.03.04.

Full text

Abstract:

The research presents the interrelationships between banking performance, competitiveness and sustainability of the three banking systems and the impact of each sustainability variable selected on the other macroeconomic indicators in short, medium and long-time horizon. The empirical study involved the use of a panel Auto Regressive Vector methodology and was based on macroeconomic indicators relevant to the performance of the banking system (return on assets, return on equity, an annual growth rate of Gross Domestic Product), as well as indicators that can be assimilated to sustainability (r

APA, Harvard, Vancouver, ISO, and other styles

7

Devi Dwi Anggraini, Slamet Akhmadi, Filzah Talitha, and Tsania Zuhrotunisa. "Connection Innovation and Development Bank Sharia as well as Evolution Development and Innovation Contract and Islamic Banking Products." Wealth: Journal of Islamic Banking and Finance 1, no. 1 (2022): 71–81. http://dx.doi.org/10.24090/wealth.v1i1.7004.

Full text

Abstract:

In the increasingly fierce competition in Islamic banking, product innovation is becoming more and more important key in increasing competitiveness and spurring company growth, because it is important for Islamic banks to know what factors can influence development and innovation product banking sharia and build Micro small and Medium Enterprises for resolve poverty in Indonesia .factor which influence innovation products can come from internal or external, internal factors mean the organization of all something in inside like Human Resources, culture company, and strategy company, while facto

APA, Harvard, Vancouver, ISO, and other styles

8

Intan, Anni, Meilita Tryana Sembiring, and Nazaruddin Nazaruddin. "STRATEGY FOR INCREASING THE FUNDRAISING OF CURRENT ACCOUNT PRODUCT AT PT BANK XYZ KCP A MEDAN." Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) 7, no. 2 (2023): 303–21. http://dx.doi.org/10.31955/mea.v7i2.3038.

Full text

Abstract:

Business competition in the domestic and international markets is increasingly competitive in the current era of globalization and digitalization where every company is required to be able to meet consumer needs and strive to create a product that has advantages and is different from its competitors. The banking services industry in the future will face increasing, varied and dynamic challenges. This challenge has had a more significant impact since the Covid-19 pandemic due to the large-scale social restriction policy imposed by the government. The banking services industry must face structur

APA, Harvard, Vancouver, ISO, and other styles

9

Птащенко, Олена Валеріївна. "РОЗВИТОК МАРКЕТИНГУ БАНКІВСЬКОЇ СФЕРИ НА ЗАСАДАХ КЛІЄНТООРІЄНТОВАНОГО ПІДХОДУ". Bulletin of the Kyiv National University of Technologies and Design. Series: Economic sciences 133, № 2 (2019): 70–78. http://dx.doi.org/10.30857/2413-0117.2019.2.6.

Full text

Abstract:

The article considers the principal components of bank marketing along with providing insights into the bank marketing concept and pathways for its improvement. The study identifies the key trends and stages in bank marketing development. It is emphasized that the current mainstream in the banking sector is closely linked to the on-going processes of automation, computerization, globalization, permanently updated technological tools and advanced banking technologies. Innovations have become an integral part of banking activities and encouraged to implement a range of marketing and logistics co

APA, Harvard, Vancouver, ISO, and other styles

10

Diaconu, Bianca-Georgiana. "Theoretical Aspects Related to Banking Marketing." BRAND. Broad Research in Accounting, Negotiation, and Distribution 11, no. 1 (2025): 14–18. https://doi.org/10.70594/brand/11.1/2.

Full text

Abstract:

<strong>Abstract</strong> The financial-banking sector is continuously evolving due to intense competition, making marketing a crucial element for financial institutions. This paper explores the role of marketing in banking institutions, emphasizing the need for a customer-oriented approach. It examines the key characteristics of banking services, including intangibility, inseparability, perishability, variability, and the high degree of imitation. Additionally, the paper discusses the financial marketing mix, detailing its components: product, price, promotion, placement, personnel, processes

APA, Harvard, Vancouver, ISO, and other styles

11

Juliet, Rachel Roosiana Kainama, and Prawiraatmadja Widhyawan. "Proposed Business Strategy to Improve Bank XYZ's Competitiveness through Customer Adoption of XGEB." International Journal of Current Science Research and Review 05, no. 05 (2022): 1435–44. https://doi.org/10.5281/zenodo.6519625.

Full text

Abstract:

Abstract : The internet has the potential to transform banks and the financial sector dramatically. The advent of online banking is projected to impact the variety of financial services that banks offer. Service delivery techniques may evolve if banks utilize new technology to analyses profitability. Online banking has made banking more accessible and convenient for both banks and customers, but it also has its own set of hurdles and problems. Despite the benefits of online banking, banks continue to confront difficulties due to customers’ reluctance to utilize it. This research will foc

APA, Harvard, Vancouver, ISO, and other styles

12

Kurniawan Latif, Tri. "Leveraging Digital Transformation to Overcome Competitive Challenges for New Entrant: A Strategic Approach For MSME Digital Bank (Study Case: Harapan Bank)." Journal Research of Social Science, Economics, and Management 4, no. 8 (2025): 1086–98. https://doi.org/10.59141/jrssem.v4i8.804.

Full text

Abstract:

This study explores the strategic digital transformation journey of Harapan Bank, focusing on its efforts to enhance operational efficiency, product innovation, and competitiveness in the rapidly evolving banking sector. Employing a mixed-methods approach, the research combines qualitative and quantitative methods to assess Harapan Bank's current challenges and opportunities in adopting digital banking solutions. A SWOT analysis and Technology Acceptance Model (TAM) insights reveal the bank’s strengths in customer-centric innovation and AI-driven loan profiling but highlight challenges such as

APA, Harvard, Vancouver, ISO, and other styles

13

Diaconu, Bianca Georgiana. "Theoretical Aspects Related to Banking Marketing." BRAND. Broad Research in Accounting, Negotiation, and Distribution 11, no. 1 (2020): 14. https://doi.org/10.70594/brand/11.1/2.

Full text

Abstract:

<span id="docs-internal-guid-b5ae8bca-7fff-d93f-5c44-68a4e17c3295"><span>The financial-banking sector is continuously evolving due to intense competition, making marketing a crucial element for financial institutions. This paper explores the role of marketing in banking institutions, emphasizing the need for a customer-oriented approach. It examines the key characteristics of banking services, including intangibility, inseparability, perishability, variability, and the high degree of imitation. Additionally, the paper discusses the financial marketing mix, detailing its components:

APA, Harvard, Vancouver, ISO, and other styles

14

Xu, Xinyu, Myeongcheol Choi, Joengsu Park, Jie Cheng, and Chuijie Meng. "Research on the Development Process and Competitiveness of Central Asian bank in Indonesia." International Journal of Membrane Science and Technology 10, no. 4 (2023): 277–86. http://dx.doi.org/10.15379/ijmst.v10i4.1894.

Full text

Abstract:

This study aims to analyze the development process and current status of the Indonesian banking industry. In addition, we will investigate the founder, development process and current status of Bank Central Asia, an overseas Chinese bank that plays a central role in the Indonesian banking industry and analyze its competitiveness. Based on this analysis, we would like to propose practical implications and development strategies. Based on literature research, we will investigate the development process and current status of the Indonesian banking industry, the founders of Bank Central Asia, the

APA, Harvard, Vancouver, ISO, and other styles

15

Morozova, Nadiia L., Mariya M. Kardash, and Taisiia V. Petrykiva. "Theoretical Aspects of Increasing the Competitiveness of the Organization by Managing the Public Relations System." Business Inform 11, no. 562 (2024): 386–93. https://doi.org/10.32983/2222-4459-2024-11-386-393.

Full text

Abstract:

The article highlights issues related to the formation of demand for products, emphasizes the importance of developing an effective strategy for promoting a product or service. Attention is focused on the importance of public relations for new organizations that have not yet found their niche in a competitive market and for existing ones. The paper pays considerable attention to the competitiveness of a banking institution. The article considers the concept of bank competitiveness from the point of view of scientists in terms of determining the key aspects of the bank's activities, including:

APA, Harvard, Vancouver, ISO, and other styles

16

Asisi, Gorret Idah, Mary Nelima, Jackline Akoth Odero, and Reuben Rutto. "Product Innovation and Competitiveness of Commercial Banks in Kenya." African Journal of Empirical Research 4, no. 1 (2023): 265–74. http://dx.doi.org/10.51867/ajernet4.1.26.

Full text

Abstract:

The dynamics of change in the business environment catalysed by globalization, changing consumer preferences, and a whirlwind of technological development have exerted immense pressure on commercial banks to introduce up-to-date products and services for sustainability. Product innovation has thus become a vital tool for survival and development. This study examined the influence of product innovation on the competitiveness of commercial banks in Kenya. The theory of creative destruction served as the study's guide. The study utilized a positivist research philosophy. Descriptive and correlati

APA, Harvard, Vancouver, ISO, and other styles

17

Sugarda, Paripurna P., and Muhammad Rifky Wicaksono. "ENHANCING THE COMPETITIVENESS OF INDONESIA’S FINANCIAL SERVICES SECTOR IN THE DIGITAL ERA THROUGH OPEN BANKING: LESSONS LEARNED FROM THE UK’S EXPERIENCE." Journal of Central Banking Law and Institutions 2, no. 1 (2023): 153–78. http://dx.doi.org/10.21098/jcli.v2i1.63.

Full text

Abstract:

In 2021, Bank Indonesia launched the National Open API Payment Standard (SNAP) to facilitate interoperable data-access for Indonesia’s digital payments sector. This article examines the lessons learned from the UK’s experience in open payments to improve the regulatory and institutional framework of Indonesia’s open banking regime. This article employs a comparative legal analysis of the UK’s open banking regime and concludes that Indonesia’s open banking regime could be improved by expanding the delivery of the Open API standards enabling interoperable data access for the entire financial ser

APA, Harvard, Vancouver, ISO, and other styles

18

Dzhaksybekova, G. N., and A. F. Nazhmudinova. "MAIN DEVELOPMENT TRENDS OF NEW BANKING PRODUCTS IN THE REPUBLIC OF KAZAKHSTAN." EurasianUnionScientists 7, no. 4(73) (2020): 21–26. http://dx.doi.org/10.31618/esu.2413-9335.2020.7.73.694.

Full text

Abstract:

The purpose of the research: to substantiate the main trends in the development of new banking products and offer the most popular new banking product, which contributes to the attractiveness and competitiveness of banks in the Kazakhstan market This article discusses the main trends in the development of new banking products in the Republic of Kazakhstan. It was noted that the Kazakhstan market has its own unique characteristics of the development and implementation of financial technologies. It is concluded that one of the priority technological products, which has not yet gained distributio

APA, Harvard, Vancouver, ISO, and other styles

19

Wycliffe, Muli, Mulwa Jonathan, Goko Tabby, Ngunjiri Ruth, and Samson Kitheka. "Financial Deepening And Economic Competitiveness In Kenya: The Strides To Being An Economic Power House." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 6, no. 2 (2013): 817–25. http://dx.doi.org/10.24297/ijmit.v6i2.737.

Full text

Abstract:

Economists have long held the view that financial deepening and economic development are closely intertwined. Kenyas development blue print, Vision 2030, is anchored on this belief and aims to create a vibrant, globally competitive financial sector, envisioning Kenya as a leading financial centre in Eastern and Southern Africa. Using descriptive survey design, this study investigated the state of financial deepening in Kenya and how this enhances the countrys economic competitiveness. Data was collected from a key informant in the four largest banks by asset base that have subsidiaries/branche

APA, Harvard, Vancouver, ISO, and other styles

20

Lim, Tristan, Tao Pan, Chin Sin Ong, Shuaiwei Chen, and Jie Jun Jeremy Chia. "Theory-Guided Analytics Process: Using Theories to Underpin an Analytics Process for New Banking Product Development Using Segmentation-Based Marketing Analytics Leveraging on Marketing Intelligence." Analytics 2, no. 1 (2023): 105–31. http://dx.doi.org/10.3390/analytics2010007.

Full text

Abstract:

Retail banking is undergoing considerable product competitiveness and disruptions. New product development is necessary to tackle such challenges and reinvigorate product lines. This study presents an instrumental real-life banking case study, where marketing analytics was utilized to drive a product differentiation strategy. In particular, the study applied unsupervised machine learning techniques of link analysis, latent class analysis, and association analysis to undertake behavioral-based market segmentation, in view of attaining a profitable competitive advantage. To underpin the product

APA, Harvard, Vancouver, ISO, and other styles

21

Ani Tatishvili, Ani Tatishvili. "Concept of Banking Innovation and Their Classification." Economics 105, no. 3-4 (2023): 202–9. http://dx.doi.org/10.36962/ecs105/3-4/2023-202.

Full text

Abstract:

In the framework of this article the concept and role of banking innovations and the author’s judgment of this concept are discussed. We will identify the main reasons for the need for innovations in banks and present the significance of the classification of banking innovations and their brief description. Banking innovations include a product, services, and technology, the introduction of which leads to a qualitative change in banking activity and usually brings profit to the bank. Moreover, it is necessary to classify the banking innovation, as innovative processes should not proceed sponta

APA, Harvard, Vancouver, ISO, and other styles

22

Hariadi, Dwi Sukma Jaya, and Khusnudin Khusnudin. "Customer Decision Factors in Choosing Savings Products: Product, Service Quality, and Religiosity: Study of Bank Muamalat Customers, Malang City." Jurnal Ekonomi, Bisnis & Entrepreneurship 18, no. 2 (2024): 544–56. https://doi.org/10.55208/xnyddg52.

Full text

Abstract:

This study examines the determinants affecting consumer choices about savings products at Bank Muamalat, Malang City. It examines three primary factors: product quality, service quality, and religiosity, deemed essential for recruiting and retaining consumers in the competitive Islamic banking industry. The study utilizes a quantitative methodology, applying multiple linear regression analysis to assess the impact of these variables on consumer choices. Data were gathered via standardized surveys administered to Bank Muamalat clients, resulting in the analysis of 200 valid responses. The resul

APA, Harvard, Vancouver, ISO, and other styles

23

Muhammad Nabil Hisyam Ayyubi and Moch Mukhsin. "Analisis Pengaruh Penerapan Prinsip Syariah dan Inovasi Produk terhadap Kinerja Keuangan Bank Syariah di Indonesia." Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi 3, no. 1 (2024): 35–48. https://doi.org/10.61132/anggaran.v3i1.1108.

Full text

Abstract:

This study aims to analyze the impact of sharia principles implementation and product innovation on the financial performance of Islamic banks in Indonesia. Using a quantitative approach through regression analysis, the study reveals that consistent adherence to sharia principles and relevant product innovation significantly affect financial performance. Partial tests show that sharia principles significantly influence customer trust and satisfaction, while product innovation contributes to enhancing competitiveness in the digital era. Simultaneously, these two variables strongly impact financ

APA, Harvard, Vancouver, ISO, and other styles

24

Qomariyah, Munawarotul, Ahdiyat Agus Susila, and Waqi’atul Aqidah. "The Influence of Service Quality, Product Quality, and Trust on Customer Satisfaction in Mortgage Financing Product." Golden Ratio of Data in Summary 5, no. 2 (2025): 259–69. https://doi.org/10.52970/grdis.v5i2.1016.

Full text

Abstract:

Using a quantitative approach, this study examines how customer satisfaction with KPR financing products at BTN Syariah KCP Probolinggo is impacted by service quality, product quality, and trust. Information was gathered through documentation, questionnaires given to 102 respondents, and observation. The findings indicated that all three independent variables significantly and favorably affected customer satisfaction simultaneously and partially. This is evidenced by the calculated F value greater than the F table and the significance value less than 0.05. Moreover, the t-test indicates an imp

APA, Harvard, Vancouver, ISO, and other styles

25

Fakhrunnas, Faaza, Faiza Husnayeni Nahar, and Hilman Fikri Albana. "Effects of Macroeconomics Factors toward Efficiency in Banking." JEJAK 11, no. 2 (2018): 390–400. http://dx.doi.org/10.15294/jejak.v11i2.16059.

Full text

Abstract:

The main objective of this study is to analyze the effect of macroeconomic factors toward efficiency in Islamic and Conventional Banking. Banking as one of components in financial system that highly contributes to the growth and development of the economy in a country, especially after establishment of the first Islamic bank in Indonesia at the year of 1992. Afterwards, Islamic banking began to develop and start to compete with conventional banking. Hence, in order to survive and do fair competitiveness, Islamic and Conventional banking have to maintain its efficiency. This study uses the meth

APA, Harvard, Vancouver, ISO, and other styles

26

Aslina, Neri, Mursalin Maggangka, Muhammad Iqbal Azhari, and Randi Akmal. "SWOT ANALYSIS OF EASY WADI'AH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA (BSI) RADEN FATAH BRANCH BATAM." AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah 6, no. 1 (2024): 59–83. http://dx.doi.org/10.52490/attijarah.v6i1.3287.

Full text

Abstract:

This research aims to analyze the strengths, weaknesses, opportunities and threats of the Easy Wadi'ah savings product at Bank Syariah Indonesia (BSI) Raden Fatah Batam Branch. The method used in this research is SWOT analysis, which provides a comprehensive framework for evaluating various internal and external factors that influence the performance of this savings product. The analysis results show that the Easy Wadi'ah savings product has several strengths, including superiority in the sharia principles adopted, ease of access and use, and adequate technological support. However, there are

APA, Harvard, Vancouver, ISO, and other styles

27

Ulum, Fahrur. "PENGEMBANGAN PRODUK PERBANKAN SYARIâ€™AH DI INDONESIA." El-Qist: Journal of Islamic Economics and Business (JIEB) 2, no. 1 (2012): 130–46. http://dx.doi.org/10.15642/elqist.2012.2.1.130-146.

Full text

Abstract:

Along with the development of the Islamic banking in Indonesia, the need for the development of its products is also increasing and demanding. This is of course aimed to fulfil the Islamic banking market that needs such products. The development of the Islamic banking products must be in line with the market need as well as in accordance with shariah principle and in the form of Fatwa that is produced by National Shariah Council (Dewan Syariah Nasional). Up to now, there are a few Fatwa regarding the products which are constrained to be applied and implemented in the market. There

APA, Harvard, Vancouver, ISO, and other styles

28

Els, Dries, and Christo Bisschoff. "A post-COVID model to measure brand loyalty of banking clients." Banks and Bank Systems 18, no. 2 (2023): 24–37. http://dx.doi.org/10.21511/bbs.18(2).2023.03.

Full text

Abstract:

The study investigates the relationship between customers’ loyalty, trust and satisfaction concerning an organization’s reputation in the South African banking sector. High service levels exist in this highly competitive and price-sensitive market. Access to banking has also digitized significantly, and banks adapted their service strategies to comply with COVID-19 restrictions such as hard lockdowns and limited movements. Customers were not able to attend banks. Hence the whole personal (contact) service and loyalty scenario required aggressive reengineering. A bank’s competitiveness can be i

APA, Harvard, Vancouver, ISO, and other styles

29

Kagendo, Kimathi, Doris, Dr Ntongai David, Dr Ann Kariuki, and Prof Shano Mohammed. "Uptake of Digital Product Innovations on Financial Performance of Commercial Banks in Kenya." International Journal of Economics, Business and Management Research 08, no. 07 (2024): 264–79. http://dx.doi.org/10.51505/ijebmr.2024.8717.

Full text

Abstract:

Product digital innovations are key drivers for differentiation, revenue growth, and competitiveness within the banking sector. In Kenyan banking sector, since 2013, strategic advancements have led to the adoption of digital platforms for service delivery, significantly affecting the industry landscape. The study aimed to investigate the effect of digital product innovations on financial outcomes and the moderating role of government policies in this relationship guided by Evolutionary Theory of Economic Change. Using a descriptive study design, data was collected from 315 employees across 39

APA, Harvard, Vancouver, ISO, and other styles

30

Hayet, Hayet, Syafiq Mahmadah Hanafi, and Mukhammad Yazid Afandi. "MARKET POWER, BANK-SPECIFIC FACTORS, AND MACROECONOMIC EFFECTS ON BANKING PROFITABILITY IN INDONESIA: BEFORE AND AFTER THE COVID-19 PANDEMIC." Jurnal Ekonomi Bisnis dan Kewirausahaan 13, no. 1 (2024): 148–67. http://dx.doi.org/10.26418/jebik.v13i1.72197.

Full text

Abstract:

This paper examines the impact of market power, bank-specific factors, and macroeconomic changes on profitability in conventional and Islamic banking in Indonesia before and after the COVID-19 pandemic. The data was collected quarterly from 6 conventional banks and 6 Islamic banks during the period from the second quarter of 2014 to 2023, and analyzed using a panel data regression model approach. The dependent variable is bank profitability, measured using the return on asset proxy (ROA) and net interest margin (NIM) / net operating margin (NOM); while the independent variables are concentrati

APA, Harvard, Vancouver, ISO, and other styles

31

Haji Md Isa, Intan Suhaila Maulad, Raziah Bi Mohamed Sadique, Norhayati Alias, and Noor Hasniza Haron. "Factors Affecting Non-Performing Loans of Commercial Banks in Malaysia." Accounting and Finance Research 12, no. 4 (2023): 32. http://dx.doi.org/10.5430/afr.v12n4p32.

Full text

Abstract:

With the economy’s growth, the banking industry expands, and the competitiveness intensifies with the increased number of banks. Nevertheless, its non-payment also leads to huge losses for banks and the country. One of the critical determinants of the banking sector's performance is the loans advanced to get the profit. Therefore, the loans and their repayments are used as the comparison. Specifically, banks note their repayments seriously, and those default loans are declared non-performing loans (NPLs). Thus, NPL indicates a country’s banking system’s health. This study investigates the fact

APA, Harvard, Vancouver, ISO, and other styles

32

Tri Wahyudi, Setyo, Rihana Sofie Nabella, and Kartika Sari. "Measuring the competition and banking efficiency level: a study at four commercial banks in Indonesia." Banks and Bank Systems 16, no. 1 (2021): 17–26. http://dx.doi.org/10.21511/bbs.16(1).2021.02.

Full text

Abstract:

The banking sector plays a vital role in the economy of each country. Banks are required to operate in a sound, efficient, and reliable manner in order to stimulate economic growth. To achieve that, a basic framework for the Indonesian banking system has been developed, known as the Indonesian Banking Architecture (IBA) aimed at strengthening the structure and enhancing the competitiveness of the banking industry. This study aimed to analyze the level of competition, the ability, and influence of the competition on banks efficiency, so banks can maintain the performance level and provide econo

APA, Harvard, Vancouver, ISO, and other styles

33

SMIRNOV, Vladimir D. "Digitalization in banking: All against all?" Finance and Credit 28, no. 5 (2022): 1027–57. http://dx.doi.org/10.24891/fc.28.5.1027.

Full text

Abstract:

Subject. This article examines the impact of banking transactions by online banks and non-banking organizations using new digital technologies on the business of traditional banks. Objectives. The article aims to identify the customer and operating segments of the traditional credit institutions' activities, which are targeted by online banks and non-banking organizations, and determine the level of threat to the business of traditional banks from these organizations. Methods. For the study, I used the methods of analysis and synthesis, comparative analysis, and the logical and systems approac

APA, Harvard, Vancouver, ISO, and other styles

34

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 (2024): 2197–211. http://dx.doi.org/10.33395/sinkron.v8i4.14116.

Full text

Abstract:

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, da

APA, Harvard, Vancouver, ISO, and other styles

35

Zuhrinal M. Nawawi and Miratul Imaniah. "Peran Digital Marketing Skill dalam Meningkatkan Daya Saing Lembaga Perbankan Syariah." Jurnal Ekonomi, Akuntansi, dan Perpajakan 2, no. 2 (2025): 297–306. https://doi.org/10.61132/jeap.v2i2.970.

Full text

Abstract:

This research uses a qualitative method to explore the role of digital marketing skills in enhancing the competitiveness of Islamic banking institutions in the era of digital transformation. The rapid development of information technology requires financial institutions, including Islamic banks, to adapt to digital-based marketing strategies to remain competitive in the market. Digital marketing skills such as social media management, search engine optimization (SEO), content marketing, and digital data analysis have become essential in effectively reaching customers and building strong brand

APA, Harvard, Vancouver, ISO, and other styles

36

Tiara Adelia Putri, Moh. Bahrudin, and Anggun Okta Fitri. "Strategi Digitalisasi terhadap Bank Syariah untuk Meningkatkan Daya Saing." Jurnal Bersama Ilmu Ekonomi (EKONOM) 1, no. 2 (2025): 146–53. https://doi.org/10.55123/ekonom.v1i2.191.

Full text

Abstract:

This study aims to analyze digitalization strategies in increasing the competitiveness of Islamic banks in the modern era. Digitalization has become a critical factor in facing global competition, especially with the increasing demands of customers for fast, safe, and sharia-compliant services. Based on data from Bank Syariah Indonesia (2023), the implementation of mobile banking applications and digital services has increased the number of active customers by 25%. However, challenges such as low digital literacy, dependence on legacy systems, and the need to ensure sharia compliance are still

APA, Harvard, Vancouver, ISO, and other styles

37

Butor-Keler, Agnieszka. "USING OF CUSTOMER EXPERIENCE TO PROTECT THE CONSUMER IN THE BANKING SERVICES MARKET – OPPORTUNITIES AND POSSIBILITIES." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 20, no. 1 (2019): 145–57. http://dx.doi.org/10.5604/01.3001.0013.2427.

Full text

Abstract:

Customer Experiece is the total customer experience in connection with using service or product. Research and analysis regarding this factor is an important element of building a competitive advantage by entrepreneurs. These activities allow to determine the level of customer satisfaction with the services provided or products delivered. Such research is important in particular in the financial services market, which is characterized by high competitiveness, as well as the volatility of the product offer and solutions used, which result in the need to update its policy and solutions on an ongo

APA, Harvard, Vancouver, ISO, and other styles

38

Trisna, Amadea Ayu, Clementine Widyadhari Btari Adwidya, and Soetam Rizky Wicaksono. "STUDI KASUS PRODUCT LIFE CYCLE WASHINGTON MUTUAL." J-MIND (Jurnal Manajemen Indonesia) 10, no. 1 (2025): 43–52. https://doi.org/10.29103/j-mind.v10i1.20583.

Full text

Abstract:

This study examines the failure of Washington Mutual (WaMu), one of the largest financial institutions in the United States, to maintain the product life cycle (PLC) of its products. Founded in 1889, Washington Mutual grew rapidly through aggressive expansion and a focus on the mortgage market. However, this strategy led to the accumulation of significant risks, primarily through exposure to subprime mortgages. The inability to manage these risks, combined with a lack of innovation in product development and adaptation to market changes, caused WaMu to lose its competitiveness. In addition, a

APA, Harvard, Vancouver, ISO, and other styles

39

Sikiru Olanrewaju, Aminu, та Saheed Abdullahi Busari. "Murābaḥah-Taꜥāwun Financing: An Innovation in Islamic Personal Financing". International Journal of Fiqh and Usul al-Fiqh Studies 3, № 1 (2019): 103–8. https://doi.org/10.31436/ijfus.v3i1.135.

Full text

Abstract:

Entrepreneurs, especially in developing societies, which include many Muslim countries among their fold, face a herculean task in up-scaling their businesses due to a lack of capital to procure relevant assets to grow their businesses. The world Islamic banks’ competitiveness report (2016) identified poor financial inclusion as one of the critical factors responsible for the uneven distribution of wealth in the Muslim world. This study presents the Murābaḥah-Taʻāwun financing product as an innovative addition to the range of financial products available on the Islamic banking shelf to reduce t

APA, Harvard, Vancouver, ISO, and other styles

40

Htwe, Thandar, Soe Thu Zaw, and Ali Reza. "The Compatibility of Shariah Law and Modern Capitalism: A Case Study of Indonesia's Islamic Banking Sector." Sharia Oikonomia Law Journal 3, no. 2 (2025): 179–90. https://doi.org/10.70177/solj.v3i2.2088.

Full text

Abstract:

The integration of Shariah law with modern capitalism has been a subject of significant debate, particularly in the context of Islamic banking. In Indonesia, the world’s largest Muslim-majority country, Islamic banking has grown rapidly, offering a unique case study to explore this compatibility. This study examines the alignment of Shariah principles with the practices of modern capitalism in Indonesia’s Islamic banking sector, focusing on issues such as profit-sharing, risk management, and ethical investment. The research aims to identify the challenges and opportunities associated with inte

APA, Harvard, Vancouver, ISO, and other styles

41

ХРЫСЕВА, А. А., Г. А. ЮДАЕВ, И. А. ЕЗАНГИНА, А. Д. ЛОБАНОВА, and И. А. ЧЕХОВСКАЯ. "COMPETITIVENESS OF MODERN BUSINESS IN THE CONTEXT OF THE REALITIES OF DIGITAL TRANSFORMATION." Экономика и предпринимательство, no. 12(161) (January 11, 2024): 798–804. http://dx.doi.org/10.34925/eip.2023.161.12.153.

Full text

Abstract:

В статье дается современная трактовка конкурентоспособности, конкурентного потенциала с позиции факторного и сравнительного анализа. Актуализирован эволюционный подход и его роль в накоплении и удержании конкурентных преимуществ товара, компании, отрасли, страны. Особое внимание уделено цифровым технологиям в банковской секторе в контексте обеспечения финансовой устойчивости, содержания бизнес-моделей, технологий и стратегий финансовых институтов, ориентированных на оптимизацию операций, повышение финансовой и экономической безопасности, клиентоориентированности. The article provides a modern

APA, Harvard, Vancouver, ISO, and other styles

42

Fahrur Rosi, Dian Berkah, and Rukhul Amin. "MARKETING STRATEGY ANALYSIS OF SAVINGS PRODUCTS AT PT BANK MUAMALAT KCP WIYUNG." MORFAI JOURNAL 5, no. 1 (2025): 224–33. https://doi.org/10.54443/morfai.v5i1.2555.

Full text

Abstract:

This study examines the implementation of savings product marketing strategies at PT Bank Muamalat KC Wiyung and its impact on increasing the number of customers and savings funds. In-depth interviews were conducted with the branch managers of Bank Muamalat Wiyung to obtain an overview of how the bank markets savings products and the challenges faced in implementing them. The results of the study indicate that a combination of marketing strategies through sharia channels such as branch offices and digital such as mobile banking and the use of referral programs can effectively attract new custo

APA, Harvard, Vancouver, ISO, and other styles

43

Ogalo, Amos, and James Rugami. "Positioning Strategies and Competitive Advantage of Tier One Banks in Mombasa County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 5, no. 3 (2023): 106–24. http://dx.doi.org/10.35942/axveh492.

Full text

Abstract:

The financial and commercial banking sector of the economy across the globe is under intense pressure from competition and market changes as customers demand better service delivery. Kenyan banking sector has had a drastic change where many non-banking financial institutions such as microfinance institutions, building societies and Saccos are converting into fully fledged banks. This has led to a tremendous increase in the number of banks to the current 43 thereby setting in increased competition. For banks to gain new markets and retain existing ones, they need to strategize to gain superiori

APA, Harvard, Vancouver, ISO, and other styles

44

Untari, Dhian Tyas, and Budi Satria. "Konsep Etika dan Estetika Dalam Meningkatkan Service Quality Perbankan; Sebuah Kajian Literatur." Jurnal Kajian Ilmiah 20, no. 3 (2020): 231–36. http://dx.doi.org/10.31599/jki.v20i3.299.

Full text

Abstract:

Demand of bank services is increasingly day by day, and in outher way, competition of banking industry also rigorous. And it made banking industry more colerfull than before. Product feature and fast, easy also save services is a key of successful competition in baking industry. To invent product and excellence service quality is related to how we can improve our human resources. Every human resources must understand about professional ethic and aesthetics of behavior. That is very important for them because they alweys having interaction with bank customer. This is a conceptual paper that wil

APA, Harvard, Vancouver, ISO, and other styles

45

Hidayatulloh, Syahrul, Jubery Marwan, and Mega Zahera Utama. "THE ROLE OF INFLATION, INTEREST RATES AND STABLE EXCHANGE RATES IS NEEDED FOR BANKING COMPANIES." Moestopo International Review on Social, Humanities, and Sciences 5, no. 1 (2025): 141–51. https://doi.org/10.32509/mirshus.v5i1.125.

Full text

Abstract:

This research aims to determine and analyze the impact of inflation, Bank Indonesia's interest rates, and exchange rates on financial performance based on return on equity in banking companies listed on the Indonesia Stock Exchange. The subjects of this research were the banking companies in Indonesia. The data source uses panel data. The sampling technique used purposive sampling with specific criteria for companies that have undergone audits and market trends that have experienced a decline, totaling twenty seven companies. Before conducting multiple regression analysis, the data underwent p

APA, Harvard, Vancouver, ISO, and other styles

46

Lee, Jong Ho, and Heejun Park. "Effect of Character Marketing and Marketing Mix on Usage Intention of Internet-Only Banks: Evidence From South Korea." SAGE Open 11, no. 4 (2021): 215824402110672. http://dx.doi.org/10.1177/21582440211067237.

Full text

Abstract:

Two South Korean internet-only banks were established around the same time, but their performances differ significantly when the product is similar to intangible values such as brand equity and marketing efforts. This study credits brand equity with causing performance difference and proposes a research model to examine which marketing activities construct brand equity. Traditional 4P marketing activities and character marketing are selected as marketing mix activities. Additionally, this research examines whether marketing activity effectiveness is affected by gender and evaluates customer pe

APA, Harvard, Vancouver, ISO, and other styles

47

Hamid, Ahmad Munir. "ISLAMIC GOVERNANCE IN ISLAMIC SCHOOL FINANCE." CENDEKIA: Journal of Education and Teaching 12, no. 1 (2018): 1. http://dx.doi.org/10.30957/cendekia.v12i1.432.

Full text

Abstract:

The purpose of this study is to analyze the concept of Islamic finance governance which includes the principles among others; tauhid, taqwa and ridho, equilibrium (balance and justice), benefit, transparency, responsibility (responsibility) and independence. This research uses descriptive qualitative method using literature approach (literature), either in the form of books, notes, or research result report, from previous researcher. The literature used in this research is books, journals, theses, and articles related to Good Corporate Governance in Islamic perspective and its application to s

APA, Harvard, Vancouver, ISO, and other styles

48

Hamid, Ahmad Munir. "ISLAMIC GOVERNANCE IN ISLAMIC SCHOOL FINANCE." CENDEKIA: Journal of Education and Teaching 12, no. 1 (2018): 1–22. http://dx.doi.org/10.30957/cendekia.v12i1.435.

Full text

Abstract:

The purpose of this study is to analyze the concept of Islamic finance governance which includes the principles among others; tauhid, taqwa and ridho, equilibrium (balance and justice), benefit, transparency, responsibility (responsibility) and independence. This research uses descriptive qualitative method using literature approach (literature), either in the form of books, notes, or research result report, from previous researcher. The literature used in this research is books, journals, theses, and articles related to Good Corporate Governance in Islamic perspective and its application to s

APA, Harvard, Vancouver, ISO, and other styles

49

Gribincea, Alexandru, and Corina Gribincea. "The Market of International Banking Services and their Implications on the Economy of the Republic of Moldova." Історико-політичні проблеми сучасного світу, no. 37-38 (December 12, 2018): 71–79. http://dx.doi.org/10.31861/mhpi2018.37-38.71-79.

Full text

Abstract:

By progressing technological and scientific revolution it enters in various fields of the economy. The banking sector is able to compete with large high-tech companies, online banks ensuring effective and inexpensive communication with customers. The banking sector in the future will compete with large high-tech companies such as Facebook or Amazon, considering online banks on the forefront of the competitive fight due to efficient interaction with the customers and lower costs. The main difference between online banks and traditional is the absence of large office network: interaction with cu

APA, Harvard, Vancouver, ISO, and other styles

50

Yuga Nugraha, Jadid Pratama, and Erma Suryani. "Increasing Revenue with New Source Engine Community-based (hyperlocal) business in the Open Banking era." Jurnal Indonesia Sosial Teknologi 5, no. 11 (2024): 5222–36. https://doi.org/10.59141/jist.v5i11.8779.

Full text

Abstract:

The high level of competition in the banking and non-bank industries makes banks have to continue to adapt in business to provide products and services to their consumers. Although the company recorded an encouraging performance and was able to maintain its position as a market leader, Bank BRI needed a business strategy to remain leading in revenue growth. This research aims to design a business dominance strategy and market share in the banking industry at BRI banks through a Dual Business approach that integrates ecosystem services (Hyperlocal Ecosystem) to increase competitiveness. The met

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!