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Dissertations / Theses on the topic 'Banking products'
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Martin, Marcel Nicolas. "Credit risk in derivative products." Thesis, Online version, 1997. http://ethos.bl.uk/OrderDetails.do?did=1&uin=uk.bl.ethos.390362.
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Ševčík, Jakub. "Analýza nabídky bankovních produktů v České republice se zaměřením na Volksbank CZ, resp. Sberbank CZ." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-162272.
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The thesis deals with the offer of banking products in the Czech Republic and targets the offer of Volksbank CZ, resp. Sberbank CZ. Part of the paper describes the forming of the banking sector in the Czech Republic and the current situation. The paper also deals with the change of Volksbank CZ to Sberbank CZ. The analysis of the offer of banking products and costs related to accounts compares the position of certain products of Volksbank CZ with those of competition in the period from October 2012 to January 2013.
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Sawitzki, Martin. "The Effects of Structured Products." St. Gallen, 2007. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/05600523001/$FILE/05600523001.pdf.
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Kosek, Jiří. "Analysis of investment products of domestic and foreign banks." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-192610.
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The objective of this thesis is to show different types of investment opportunities that a small investor has on a standard banking market. Subsequently they are analyzed from both theoretical and practical aspects. The reader will be able to see pros and cons of e.g. traditional saving products, mutual funds and many others. Services will be among other assessed from an international perspective. The main intention of this analysis is to find such financial products, to which a small investor has access and that can be recommended as a meaningful investment.
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Nilsson, Thomas, and Rasmus Schwerin. "Greening the Banks - Are the Customers Onboard : A study into the effects of green banking products on Swedish retail banking customers." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264107.
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Increasing climate awareness, the Paris Agreement urging institutions to enable the economic transition toward sustainability and the looming possibility of environmental regulations are challenges facing the banking sector today. This study however chooses to see opportunities in a changing retail banking environment, investigating what green banking products customers want their bank to provide and how the introduction of green banking product might impact customer loyalty. The research was conducted through a mixed-method approach consisting of both quantitative and qualitative elements during the time-period of January to June 2019. 504 individuals engaged in the survey conducted and their answers were both analysed through the development of a customer loyalty framework and with theoretical support from the literature gathered. The results indicated a positive attitude towards green banking products while also not showing a clear preference or desirability for a specific product. Additionally, this study found a positive relationship between the introduction of green banking products and increased customer loyalty. The study concluded that green banking products suggestively have an advantageous position in the evolving financial sector, more specifically in a number of years.Ökande klimatmedvetenhet, Parisavtalet som uppmuntrar institutioner att möjliggöra en ekonomisk övergång till hållbarhet och hägrande möjligheter till tuffare miljöregler, är utmaningar som banksektorn står inför idag. Denna studie väljer emellertid att se möjligheter i en förändrad bankmiljö, genom att undersöka vilka gröna bankprodukter kunderna vill att deras bank ska tillhandahålla och hur införandet av gröna bank-produkter kan påverka kundlojalitet. Undersökningen genomfördes genom en mixed-method approach som bestod av både kvantitativa och kvalitativa element under perioden januarijuni 2019. 504 personer deltog i undersökningen som genomfördes och deras svar analyserades både genom utvecklingen av ett ramverk för kundlojalitet och med teoretiskt stöd från den samlade litteraturen. Resultaten indikerar en positiv inställning till gröna bankprodukter, men visar inte heller en tydlig preferens eller önskemål om en viss produkt. Dessutom fann denna studie ett positivt förhållande mellan introduktionen av gröna bankprodukter och ökad kundlojalitet. Undersökningen drog slutsatsen att gröna bankprodukter sannolikt har en fördelaktig position inom den utvecklande finanssektorn, mer specifikt inom ett antal år.
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Wilson, Amanda Janice. "Database Marketing Management Strategies for Agricultural Lenders." Thesis, Virginia Tech, 1998. http://hdl.handle.net/10919/36734.
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This study examines the use of databases to improve marketing techniques and
customer segmentation in lending institutions. Specifically, this study examines the use
of products and services by agricultural customers, and then determines the relationship
between the use of those products and services with farm business characteristics.
Information is also obtained on the interest rate sensitivity of the producers and correlated
with farm business characteristics. The importance of technology and strategic alliances
and other influences in the decision making process are determined after survey analysis.
The survey was sent to producers who had some type of loan. Respondents from
this study used an average of 3.2 loan products and 7.6 services for a total of 10.8 loans
and services. Only 1 percent of the respondents indicated that they did not have a
personal checking account. Twelve percent of the respondents indicated that they did not
use a credit card. Only 16 percent of the respondents indicated that they used leasing
services. Investment products did not have a high percentage of use. Thirty-three percent
indicated they were using certificates of deposit, while only 21 percent indicated the use
of money market funds, and 30 percent indicated the use of mutual funds. Thirty-seven
percent indicated they were using IRAs. However, most of the respondents were using
some form of insurance. Three-fourths of the respondents were using life insurance,
while only 21 percent indicated that they did not possess disability insurance. Other
services were also analyzed in this study. Only 15 percent of the respondents indicated
that they were utilizing estate planning services, despite the 67 percent of respondents
who were greater than age 41 and the 58 percent of respondents with greater than
$500,000 in assets. Seventeen percent of the respondents were using an appraisal service.
Due to the lower levels of usage for the investment products, this study focused
on the relationship between farm characteristics and the investment products. This study
showed that a relationship existed between farm and non-farm income with IRA usage. iii
Only farm income had a relationship with money market fund usage and mutual fund
usage. While, the use of estate plans was related to asset level.
The analysis on interest rate sensitivity was determined by the amount an interest
rate would have to decrease for a producer to switch lending institutions. The producers
who were found to be less interest rate sensitive were those who had lower farm and non-farm
incomes, lower asset levels, lower education levels, higher debt-to-asset ratio, and
those who owned a computer. This implies that these are the more loyal customers to an
institution or perhaps these producers have fewer opportunities to switch institutions.
Producers in this study indicated that when selecting a lender/service provider, a
competitive interest rate (76 percent of respondents) and the institution being a
dependable source of credit (75 percent) was important. Knowledge of agriculture was
also very important (69 percent of respondents). Internet banking and educational
seminars rated as the characteristics that were least important, 3 percent and 9 percent,
respectively. However, in the decision making process, lenders (69 percent of
respondents), accountants (53 percent), and veterinarians (38 percent) were shown to be
very important. The spouse/partner has considerable influence also on decision making.
Sixty-seven percent of the respondents indicated that the spouse/partner had a
considerable influence on investment decision, while sixty-one percent of the respondents
indicated that the spouse/partner had a considerable influence on credit decisions.
Five specific recommendations were made to the institutions following this study.
These recommendations include: use of technology, institutional use of databases, use of
influencers, and targeting and segmenting the marketplace.Master of Science
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Růžičková, Lucie. "Design of Banking Products focused on Financing the University Education in the Czech Republic." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-71937.
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This thesis deals with the situation in financing of tertiary education from both governmental and student perspective. Its objective is to find an efficient system of student support with focus on student loans that would be applicable in the Czech Republic, would promote an equal access to higher education also to students from lower socio-economic classes and at the same time would enable to increase cost-sharing in Czech tertiary education. The designed concept of student loans is based on best practices from selected European countries (Netherlands, United Kingdom and Hungary) in the background of proposed reform of Czech tertiary education. Finally, the concept is validated in a case study dealing with financing of the International Management master's programme at the University of Economics, Prague.
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Beqiri, Arlinda. "Corporate Governance and Banking Governance within Conventional and Islamic banking systems. : A Cross-case Study between Conventional banks in Sweden and Islamic banks in UK." Thesis, Karlstads universitet, Handelshögskolan, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-47998.
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The aim of this study is to understand and analyse the relationship between corporate governance (CG) and banking governance (BG) in Conventional and Islamic banking systems. The reason for choosing this topic was because the regulations and banking systems within Conventional banks are differently in comparison to Islamic banks, which means that their corporate governance and banking governance are influenced by different mechanisms and therefore regulated differently. Since Conventional banks stands for a small amount of Islamic banks in their markets and Islamic countries do have Conventional banks in theirs, made this topic a good case study. Furthermore is Sweden a Conventional country where they don’t offer Islamic financial services and the UK is a Conventional country where they do, which was an interesting fact since both of them are European countries with similar regulations. The author of this thesis chose qualitative, semi-structured interviews, where six persons: three from Sweden and three from the UK stood for answers toward their banking systems. Since these respondents were standing on a high position within their organizations did they have the knowledge needed to answer the questions asked. The result showed that the relationship between CG and BC in Conventional and Islamic banking systems have an impact in the way different types of banks operate. Identifying the Conventional and Islamic banks differences and assessing on how the Corporate Governance and Banking Governance do operate solves the complexity in the system. Based on the findings, countries that are applying the Conventional system need to expand their regulations and mechanisms so that other systems could operate without a need for changes in their own. They also need to expand their knowledge, where the population needs to be familiar with other banking systems and services as well.
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Павленко, Людмила Дмитрівна, Людмила Дмитриевна Павленко, Liudmyla Dmytrivna Pavlenko, and Н. Г. Євченко. "Удосконалення методики оцінки собівартості банківських продуктів як складової системи управлінського обліку банку." Thesis, Громадська організація “Львівська економічна фундаціяˮ, 2013. http://essuir.sumdu.edu.ua/handle/123456789/58871.
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В тезах розглянуто удосконалення методики оцінки собівартості банківських продуктів як складової системи управлінського обліку банкуIn theses examined improvement methodology for assessing the cost of banking products as part of managerial accounting bank
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Павленко, Людмила Дмитрівна, Людмила Дмитриевна Павленко, and Liudmyla Dmytrivna Pavlenko. "Методи ціноутворення на банківські продукти." Thesis, Чабаненко Ю.А, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63543.
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В тезах автором розглянуто науково-методичний підхід всановлення ціни на банківські продукти.In the thesis the author deals with scientific and methodical approach vsanovlennya prices of banking products.
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Giwe, Mbunwe Belter. "Factors affecting the usage of banking products and services by low income and under-banked consumers." Thesis, Nelson Mandela Metropolitan University, 2015.
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A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.
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Rao, Mrunalini S. "Identification Of Key Factors Of User Satisfaction For Banking Software Products And Development Of An Importance-Performance Map." Thesis, Indian Institute of Science, 2000. http://hdl.handle.net/2005/197.
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The Indian IT industry has grown at an impressive rate during the last decade. India's own competitive advantage in the software business is well known: cost-effectiveness, world-class quality, high reliability, and rapid delivery, all of it powered by state-of-the-art technologies. Software has penetrated different spheres of the Indian economy, namely Indian corporate sector, government and public sector units. Over the last decade, one of the sectors, which have felt the "heat" of software intrusion, has been the financial service. Indian banking industry, today is in the midst of an IT revolution. A combination of regulatory and competitive reasons have led to increasing importance of total banking automation in the Indian Banking Industry. The present level of computerization in Public Sector Banks is a result of these initiatives. RBI has also gone ahead in creating of nation wide and localized networks for integration of the entire financial system.
The Software Packages for Banking Applications in India had their beginnings in the middle of 80s, when the Banks spurred on by RBI and the Rangarajan Committee Report, started computerizing the branches in a limited manner.
A few software companies in the country have developed banking software products and most of the banks have adopted them. These products enable all the banks to automate their operations at the branches and corporate offices. The software companies develop 60% of the software in the company itself, which involves the development of modules, and the remaining 40% is done in the customer's site. This 40% is customization of the software. The success of these banking software products in the banks can be measured by studying the market share of the individual products, revenues earned by these products by the respective companies. The success of these products depends on the satisfaction of the users, using the software. To measure their satisfaction and arrive at those products that are performing well in terms of User satisfaction, the following objectives were designed in the present study.
The objectives are:
1. To understand the attributes of the banking software products that are
relevant to user/customer satisfaction.
2. To understand the user's perception of the above attributes.
3. To derive the key factors of user/customer satisfaction.
4. To develop an Importance-Performance map for the attributes of the software.
Based on the literature review and the discussions held with the software professionals and bank employees, we identified few relevant variables like Implementation, Maintainability, Reliability, Security, User's Performance and Output which fall under the software related variables and variables like Vendor's meeting User's needs, Vendor's mktg skill, User involvement, Training and support, and Service falling under the vendor related variables.
A structured questionnaire was developed based on these variables using a 5-pt likert scale and this instrument was checked for its construct and content validity and also Reliability by conducting Factor analysis and Computing Cronbach's alpha respectively on a small sample in the Pilot study. The questionnaire was modified and the final instrument was used for the main study. This questionnaire was administered on a sample of 141 in the main study. The collected data were subjected to Factor Analysis to arrive at the key factors of User satisfaction for banking software products. We obtained seven factors User's Performance, Output, and Vendor's Marketing skill, Implementation, Ease of Use, Security and Maintainability.
The second part of the study plot an Importance -Performance Map for all the products on all variables which gives us the best performer. Since this was subjective analysis, we conducted ONE-WAY ANOVA on the data to arrive at the best performer. However, ANOVA could give only the top performer, but we were not able to identify the second best product.
We computed the weighted scores for each of these products by giving weights to the variables and multiplying with the performance scores. The comparison of the total weighted scores of all the four products considered in the study helped us in ranking the products based on their performance. We obtained that Product 3 was on top followed by Product 4 and Product 1 and last was product 2.
Based on these analyses we suggested the following to the software vendors:
1. The key factors identified in the study should be given the highest priority
while developing and testing the software for conformance with the
specifications.
2. Product 2 must be improved on variables like output by making the report
generation more flexible and maintainability should be made easier by making
additions more flexible without any errors.
3. Vendors of Product 1 and 2 should provide better user manuals using simple
language and also train the bank employees in using the software, by
involving employees during customization in a more informal way.
4. Vendor's of Product 3 and 4 should maintain the quality of their existing
products respectively and try to improve them.
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Сєдих, О. Є. "Удосконалення управління продуктами банку в умовах фінансової кризи." Thesis, Українська академія банківської справи Національного банку України, 2009. http://essuir.sumdu.edu.ua/handle/123456789/57390.
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У статті досліджується проблематика удосконалення управління банківськими продуктами у банках України в умовах фінансової кризи на всіх стадіях менеджменту продуктів банку: розробка та впровадження банківських продуктів, ціноутворення на продукти банку, організація продажу продуктів банку, а також пропонуються актуальні заходи щодо підвищення ефективності ведення банківської діяльності загалом.In this article the author researches the main problems improvement of banking products management in Ukrainian banks under conditions of financial crisis on all steps of banking products management: development and implementation of banking products, pricing and sales, and also offers important actions guided to increase effectiveness of banking activity as a whole.
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Крухмаль, Олена Валентинівна, Елена Валентиновна Крухмаль, Olena Valentynivna Krukhmal, Олена Анатоліївна Криклій, Елена Анатольевна Криклий, and Olena Anatoliivna Kryklii. "Аналіз дохідності як інструмент удосконалення механізму управління доходами банків у сучасних умовах." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63244.
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Дана робота присвячена проблемам дослідження системи аналізу прибутковості окремих банківських продуктів.This work is devoted to the study of the system of profitability analysis of individual banking products.
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Magalhães, Alexandre Sanches. "E-commerce e e-banking no Brasil: uma perspectiva do usuário." Universidade de São Paulo, 2007. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-21012008-145601/.
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A internet é, seguramente, a mídia que mais se expande no mundo, tendo importância crescente em todos os campos da atividade humana, seja profissional, educacional ou meramente recreativo. Essa importância é visível não apenas no grande número de pessoas que a usam em seu dia-a-dia (cerca de 33 milhões de pessoas no Brasil, 220 milhões nos Estados Unidos e mais de 1 bilhão de pessoas no mundo inteiro), nem somente pelo ritmo de crescimento nos primeiros anos da web comercial, mas principalmente pelo enorme leque de possibilidades de conteúdos e serviços disponíveis para os internautas. Dentre essas possibilidades estão os serviços de comércio eletrônico ou ecommerce, um dos mais importantes e com maior crescimento nos últimos anos, e o internet banking ou e-banking, responsável por profundas mudanças na relação dos usuários de serviços bancários com seus bancos, chegando ao ponto de correntistas não freqüentarem suas agências bancárias por anos seguidos, servindo-se apenas dos serviços online para resolver seus problemas diários e usando-se dos ATMs para saques financeiros. Esta dissertação tem o intuito de aprofundar o conhecimento da relação dos internautas com esses dois serviços, e-commerce e e-banking, analisando o fato de os dados disponíveis sobre o uso residencial da internet no Brasil indicarem que há queda no uso do segundo serviço, enquanto o primeiro continua em contínua ascensão. Esse conhecimento é importante, principalmente porque ambos são considerados similares pela literatura e, além disso, apresentavam curvas de crescimento similar até o final de 2003. Esse conhecimento passa também por entender o motivo que faz com que a intersecção dos grupos de usuários residenciais dos dois serviços seja em torno de 50% apenas, já que o internauta brasileiro, basicamente das classes A e B, tende a ser um consumidor de ambos os serviços off-line.The internet is, for sure, the media with faster and higher growth in the world, with growing importance in all areas of human activities, from professional, educational or for entertainment. Such importance is visible not only because there are a huge number people with internet access for daily activities (around 33 million in Brazil, 220 million in the United States and 1 billion people around the world, nor because its very positive growth curve, but mainly due to its range of possibilities of contents and services available to the users. Among these possibilities are the e-commerce, one of the most important and with great growth during the recent years, and the e-banking, responsible for deep changes in the relation between banking services users and the banks, allowing some clients to stop visiting their physical agencies, using only the online channel to solve their daily problems and the ATMs to get some cash. This work intends to go deep in the knowledge of the relation among the internet users and the two services, namely e-commerce e e-banking, analyzing why the available at-home data about the Brazilian web use indicates that the second mentioned service loses audience, while the first one continues to grow in terms of visitors. Such knowledge is important, especially because both services are considered similar by the literature and, besides that, used to present a similar growth curve until de end of the year 2003. This knowledge also needs to understand why the intersection of the two groups of domestic users of both mentioned services is around 50% only, as the Brazilian internet user belongs to the richest A and B socio-economic classes, and because of this fact tends to be a consumer of both services off-line.
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Калашникова, А. И., and A. I. Kalashnikova. "Направления совершенствования предоставления банковских продуктов и услуг для юридических лиц : магистерская диссертация." Master's thesis, б. и, 2020. http://hdl.handle.net/10995/91789.
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Структура магистерской диссертации включает в себя введение, три главы, заключение, список использованных источников и приложения. В первой главе раскрыта сущность и определены классификации банковских продуктов и услуг, а также раскрыта особенность предоставления банковских продуктов и услуг для юридических лиц. Во второй главе представлена экономическая характеристика банка ПАО «ВТБ» и проанализированы банковские продукты и услуги для юридических лиц в коммерческом банке ПАО «ВТБ». В третьей главе определены актуальные проблемы развития банковских продуктов и услуг для юридических лиц в коммерческом банке ПАО «ВТБ», а также в России. В заключении подведены основные итоги исследования, а также сделаны основные вывод.The structure of the master's thesis includes an introduction, three chapters, conclusion, list of references and appendices. The first chapter reveals the essence and defines the classification of banking products and services, and also discloses the peculiarity of the provision of banking products and services for legal entities. The second chapter presents the economic characteristics of VTB Bank and analyzes banking products and services for legal entities in the commercial bank of VTB PJSC. The third chapter identifies the pressing problems of developing banking products and services for legal entities in the commercial bank of VTB PJSC, as well as in Russia. In conclusion, the main results of the study are summarized, and the main conclusion is made.
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Павленко, Людмила Дмитрівна, Людмила Дмитриевна Павленко, and Liudmyla Dmytrivna Pavlenko. "Удосконалення методичних підходів щодо ціноутворення на небанківські продукти з урахуванням економічної цінності." Thesis, Українська академія банківської справи Національного банку України, 2013. http://essuir.sumdu.edu.ua/handle/123456789/58887.
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Основними критеріями для клієнта, що визначають конкурентоспроможність банківського продукту є ціна та цінність.The main criteria for a customer that determine the competitiveness of a banking product is price and value.
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Novák, Michal. "Pojištění bankovních produktů." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-10421.
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This work deals with the insurance of the banking products, i.e. with the insurance products, which explicitly insure or are closely connected to some banking product. Therefore, an interaction of banking and insurance activities is present in this area of insurance. The overview of both of the financial institutions' activities opens this thesis in order to explain the interaction between the activities of banks and insurance companies. Possible ways of integration of this interaction, which allowed increased efficiency, follow the opening introduction. Bancassurance as a way of selling insurance through banks is explained in a separate part. After a short overview of the banking products, the thesis is completed by the analysis of the key insurances of them.
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Manzak, Gulcin. "Political Economy Of Development Banking After World War Ii: Analysis Of The Industrial Development Bank Of Turkey During The 1950-53 Period." Master's thesis, METU, 2009. http://etd.lib.metu.edu.tr/upload/12611171/index.pdf.
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Institutions are crucial in reflecting the economic and political conditions of their time. This thesis analyses the features of establishment process of the Industrial Development Bank of Turkey (TSKB) in close relation with the World Bank and the activities of the TSKB in its first four years between 1950 and 1953. The arguments of Development economics and the dependency theory are utilized in the discussion. The main objective of the study is to bring out the link between the establishment of a privately owned development bank in Turkey, aiming to promote private industry, and the economic environment at the time, including the Cold War atmosphere affecting internal and external politics of Turkey. Moreover, it is put forward that the sectors chosen for credit allocation are compatible with the international division of labor of the time. That is, the TSKB has channeled international funds in a way aiming at Turkey&rsquos integration to the world markets as a supplier of agro-industrial goods.
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Павленко, Людмила Дмитрівна, Людмила Дмитриевна Павленко, and Liudmyla Dmytrivna Pavlenko. "Науково-методичний підхід до встановлення цін на банківські продукти." Thesis, Київський національний економічний університет імені Вадима Гетьмана, 2011. http://essuir.sumdu.edu.ua/handle/123456789/62956.
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Узагальнено теоретичні аспекти ціноутворення на банківські продукти, враховуючи практичні аспекти встановлення цін.The article summarizes the theoretical aspects of the banking products’ pricing and determines the stages of pricing.
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Лисютін, І. О. "Аналіз прибутковості банківських продуктів як складова системи аналізу прибутку банку." Thesis, Львівська економічна фундація, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63386.
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Дана робота присвячена проблемам дослідження системи аналізу прибутковості окремих банківських продуктів.This work is devoted to the study of the system of profitability analysis of individual banking products.
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Khan, Tahreem Noor. "A study of customers' perception and attitude to Islamic banking : products, services, staff, shari'ah board and marketing in five countries : Pakistan, Malaysia, Saudi Arabia, UAE and UK." Thesis, University of Aberdeen, 2011. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=179557.
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Islamic banking emerged rapidly to fulfil the financial needs of Muslim consumers, by using different viable modes of Islamic financing. These tools of financing were designed to avoid risk-free return, unjustified increase of money on money (ribii.) and uncertainty (gharar). To offer Islamic finance products and services, the number of full-fledged Islamic bank branches has increased since 1985. The industry then further expanded with the entrance of local and international conventional banks, which advertised their Islamic banking products heavily. At the present time of heightened competition, it has become more difficult for Islamic banks to differentiate themselves in terms of providing products and services. By understanding customers' attitudes, it might be possible to differentiate their banking products and services. Therefore this research investigated the level of satisfaction and overall attitudes of respondents, both Islamic and conventional bank users, of different nationalities and aged between 30-40, living in Pakistan, UK, UAE, Saudi Arabia and Malaysia. Through an online survey regarding Islamic banking objectives, products, services, staff, Shari 'ah board and marketing, 385 responses were collected and analysed using the techniques of means and percentages. SPSS and Excel were used to produce bar charts and tables. Another distinctive aspect of this research was that it analysed product advertisements of Islamic banks (full-fledged and local/international banks) on websites based in Pakistan, UK, UAE, Saudi Arabia and Malaysia, in order to understand the differences and similarities with regard to website structures, content information, colour, marketed web products and targeted audiences. By investigating these factors, this research provided practical suggestions to design effective webpages or promotional messages to educate and inform customers of the distinction between the Islamic banking products and services that have emerged as a result of increasing competition in this market. Based on both quantitative and qualitative methods, the result of this research suggested Islamic banks should focus on the components of Customer Relationship Management (CRM) to achieve strategic competitive advantages. The research findings-suggested that Islamic banks should gather sufficient customer related information from all banking channels and utilise it accurately to reconnect with customers by offering innovative products, re- establish lost connections with existing customers, build relationships with new customers, reconstruct a trustworthy image and revise marketing approaches. Most importantly, these banks should refocus on incorporating the Islamic elements of gharar- (uncertainty) and r ib d- (usury) free operational processes. This research strongly asserted that verbal authenticity by Islamic banks and a reliance on highly-camouflaged conventional banking products alone cannot build customer trust. To regain trust, and to acquire a greater market share in the competitive financial sector, Islamic banks' staff and Shari 'ah scholars need to imply sincere motivation, truthful intention, and dynamic, personalised and practical CRM approaches to uplift the Islamic financial brand and to fulfil its promises.
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Hegazy, Ahmed Elsayed Galal. "Service brand equity in developing economies : the case of Egyptian banking sector." Thesis, University of Stirling, 2014. http://hdl.handle.net/1893/21543.
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The brand equity concept is one of the most significant concepts for branding and marketing and its model and measurement have interested many academics and practitioners. Most of the research on brand equity has focused on physical goods, with a dearth of studies on the service sector in general and particularly in the banking sector. The dearth of research in this area appears paradox as branding could be argued to play a distinctive role particularly in the service sector. This is because strong brands increase consumers' trust of the imperceptible purchase and reduce their perceived monetary, social, or safety risk in buying services, which are difficult to evaluate prior to purchase and for which it sometimes takes a long time after purchase to confirm the brand promise. Consequently, many scholars have called for an investigation of brand equity in the service sector. In addition, most of the research on brand equity has focused on developed countries which would suggest a regional focus on developing countries. To sum up, despite the importance of brand equity in the service sector, there is lack of empirical evidence in the service sector in general and specifically in the banking sector, particularly for developing economies. Furthermore, there is lack of studies that examined and compared service brand equity across bank type (local public, local private and foreign banks) to provide a benchmark especially for foreign banks. Contributing to scholarly attempts to fill the gaps in the brand equity literature. this thesis examines consumer-based brand equity (CBBE) in the Egyptian banking sector in general and based on each bank type: public, private and foreign. In addition, the study aims to find out the similarities and differences on brand equity based on bank type. The regional context of the study is Egypt As the largest Arab country and the entry point for the Middle East and Africa Egypt appeared to be of high practical relevance and be a suitable regional research context. Unlike previous researches, a mixed method approach was employed to achieve the research aims. Qualitative data was used to triangulate the quantitative data and gaining a richer understanding of the quantitative findings. Four hundred and sixty-eight self-administered questionnaires were collected by offline and online modes, and 14 semi-structured face-to-face interviews provided details about how consumers perceived consumer-based brand equity in Egyptian banking. Data was analysed using SPSS19. Different types of statistical applications were used, such as descriptive analysis, factor analysis and multiple regressions. Content analysis using NVivo10 software was used to analyse the interview data. The main findings reveal that CBBE is applicable in the Egyptian banking sector. The results show that brand awareness, reliable staff, brand association and brand loyalty are the most effective variables on overall value of brand equity in the Egyptian banking sector, while within public banks, reliable staff, brand association and brand loyalty have the most influence on the overall value of brand equity. However, private and foreign banks share the same variables which affect the overall value of brand equity; these variables are brand awareness, brand loyalty and brand personality. The findings reveal that there is a significant difference between public banks and private and foreign banks; however, there is no significant difference between private and foreign banks. The qualitative findings support and add meaning to the quantitative results. The current research contributes to knowledge in the field of service brand equity research and extend our understanding in developing economics and adding to the debate on the area of brand equity. Furthermore, it contributes methodologically by using mixed methods and mixed modes (offline and online). In addition, the study overcomes the limitations of previous studies in three ways. Firstly, different types of brand association were incorporated and real consumers were approached rather than relying on students’ samples. Secondly, perceived quality was measured using the SERVPERF scale, providing a more comprehensive quality measure than many studies. Thirdly, the data were collected from Egypt, which as a developing country establishes an underresearched regional context. Therefore, as is the case in many developing countries, there were many challenges involved in the data collection process. Based on the results, the study provides a number of pratical contributions: It offers a manageable scale ‘‘tool kit'' for managers in the banking sector, regardless of type of bank, to create, maintain and improve their brand equity. It also provides guidelines that public, private and foreign banks could use to compare their performance with competitors. The study emphasizes the importance of building and developing brand awearness for private and foreign banks. As the service encounter is the “moment of truth” and is one of the most important determinants of brand equity, public banks should place more emphasis on their internal branding as well as on external consumers. Top management should invest in cultivating their brand values to their employees, particularly front-line employees, as they will deliver them to consumers through the service encounter. Another interesting finding with practical relevance was that although the majority of banks in Egypt has online banking services, most of the study respondents did not use them, therefore they might be well advised to collaborate with the Central Bank of Egypt (CBE) to organise a campaign to cultivate trust in the country’s online banking infrastructure and promote the advantages of using it. Online banking could be one of the solutions to overcrowding and long queues in public banks and improve the quality of the service provided which will lead to consumers’ satisfaction and increase the level of brand equity. Most consumers of public banks perceived their banks as the only secure banks guaranteed by the Egyptian government. Similarly to promoting the use of online banking, there is a need to develop a better public awareness of the role of the CBE in supervising all banks in Egypt regardless of their type. This will ensure fair and equal opportunities for all banks, which will foster real competition and hence is argued to affect the quality of the service provided. Despite the research achieved its planned objectives, as any social research, it has certain constraints and limitations. These limitations could offer opportunities for future research to address. Firstly, due the lack of detailed information about the study population, this research used a convenience sample of induvadul commercial bank consumers in the Greater Cairo. Future research could employ probability sampling if possible. Moreover, future studies could cover more cities in Egypt, not only the Greater Cairo area (even though the focus on this area has been discussed and justified in the thesis). Secondly, although the importance of CBBE has been analysed mainly from a consumer perspective it might be useful to examine service brand equity from the points of view of employees (managers and front-line) in banks in order to gain a better and comprehensive understanding from both perspectives. Thirdly, while this study examined and compared CBBE in diffrent bank types (public, private and foreign) in Egypt. It is suggested that a comparison could be made based on the top bank in each types, as this could give more specific recommendations for these banks. Fourthly, due to limitations of time and funds, future reseach could examine and compare CBBE in different services sectors and in different countries. Fifthly, this study focused on commercial banks in Egypt in general without distinguish between Islamic and conventional banks. Therefore, future research could carefully distinguish between Islamic and conventional banks and compare CBBE across them to gain a better understanding of the differences and similarities. Sixthly, it could be worth comparing the CBBE of foreign banks when they operate overseas (e.g., Barclays Bank and HSBC).
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Павленко, Людмила Дмитрівна, Людмила Дмитриевна Павленко, and Liudmyla Dmytrivna Pavlenko. "Науково-методичні підходи до визначення поняття “економічна цінність” при ціноутворенні на банківські продукти." Thesis, Українська академія банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/59067.
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Jůn, Ladislav. "Vliv bankovních produktů na cenu stavby z pohledu dodavatele." Master's thesis, Vysoké učení technické v Brně. Fakulta stavební, 2012. http://www.nusl.cz/ntk/nusl-225577.
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The thesis is focused on the determination of fees for banking services and their proportion of the total cost of realization work. The theoretical part is zoomed in terms of supplier orders from the search for a recording contract for work that is described in detail. Furthermore, have been clarified the methods of determining bid price of construction, as construction is financed. The following is analysis of banking products that relate to construction contracts, what is their purpose, what is their price. The practical part is focused on the financial costs of several construction companies and their analysis. The last is a specific contract, which is described from the point of view gradually accruing costs.
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Бондаренко, Алла Федорівна, Алла Федоровна Бондаренко, and Alla Fedorivna Bondarenko. "Соціальний аспект стимулювання збуту в діяльності банку." Thesis, Українська академія банківської справи Національного банку України, 2010. http://essuir.sumdu.edu.ua/handle/123456789/63716.
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陳家華 and Kar-wah Chan. "Product costing and performance measurement in banking." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1986. http://hub.hku.hk/bib/B31263537.
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Chan, Kar-wah. "Product costing and performance measurement in banking /." [Hong Kong : University of Hong Kong], 1986. http://sunzi.lib.hku.hk/hkuto/record.jsp?B1232517X.
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Fosu, Samuel. "Capital structure, product and banking market structure and performance." Thesis, University of Leicester, 2014. http://hdl.handle.net/2381/28601.
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This thesis consists of three distinct essays on finance, market structure and performance. Paying particular attention to the degree of industry competition, the first essay investigates the relationship between capital structure and firm performance using panel data consisting of 257 South African firms over the period 1998 to 2009. The essay applies a novel measure of competition, the Boone indicator, to the leverage-performance relationship. The results suggest that financial leverage has a positive and significant effect on firm performance. It is also found that product market competition enhances the performance effect of leverage. The results are robust to alternative measures of competition and leverage. The second essay examines the extent of banking competition in African subregional markets. A dynamic version of the Panzar-Rosse model is adopted beside the static model to assess the overall extent of banking competition in each subregional banking market over the period 2002 to 2009. Consistent with other emerging economies, the results suggest that African banks generally demonstrate monopolistic competitive behaviour. Although the evidence suggests that the static Panzar-Rosse H-statistic is downward biased compared to the dynamic version, the competitive nature identified remains robust to alternative estimators. Paying particular attention to the degree of banking market concentration in developing countries, the third essay examines the effect of credit information sharing on bank lending. Using bank-level data from African countries over the period 2004 to 2009 and a dynamic two-step system generalised method of moments (GMM) estimation, it is found that credit information sharing increases bank lending. The degree of banking market concentration moderates the effect of credit information sharing on bank lending. The results are robust to controlling for possible interactions between credit information sharing and governance.
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???????????, ????? ???????????, and L. A. Zavodovska. "?????????????? ????? ? ?????? ???????? ?? ????????? ?? ???????????? ???????????? ??????????? ?????????" Thesis, ????, 2016. http://eztuir.ztu.edu.ua/123456789/5925.
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?????????? ?? ???????? ????????? ??????? ????????? ??????????? ???? ?? ????????????? 08.00.09 ? ?????????????? ?????, ?????? ?? ????? (?? ?????? ??????????? ??????????). ? ???????????? ????????? ????????????? ??????????? ???????????? ?????? ? ????? ???????, ???????, 2016.
?????????? ?????????? ????????????? ? ???????? ?????????????-?????????? ???????????? ? ????????????? ??????????????? ?????? ?? ??????? ???????? ?? ????????? ?? ???????????? ???????????? ??????????? ?????????. ???????? ?????????? ?????? ?? ????????????? ???????????? ???????????? ??????????? ?????????. ???????????? ????????????? ????????? ??????????????? ?????? ???????? ? ????????????? ???????????? ??????????. ????????????? ?????????? ?????? ?? ?????????? ???????????? ??????, ??? ????????? ? ???? ???????? ? ????????????? ?????????? ? ??????????? ??????. ?????????? ????? ????????????? ????????? ???? ???????? ???????? ? ????????????? ???????????? ?????????? ??? ??????????? ????????????? ?????? ?????????????? ?????????. ???????????? ????????? ???????????? ??????? ?????????? ???????????? ??????????? ????????? ?? ???????????? ?????????? ???????? ? ????.Thesis for obtaining the scientific degree of Candidate of Economic Sciences on specialty 08.00.09 ? Accounting, Analysis and Auditing (by the types of economic activity). ? Zhytomyr State Technological University of Ministry of Education and Science of Ukraine, Zhytomyr, 2016. The thesis is devoted to substantiation and development of organizational and methodological recommendations to improve accounting and analysis of operations for the creation and implementation of innovative banking products. A research object is transactions with innovative products in the accounting system and analysis of commercial bank. The subject of the study is a set of theoretical, organizational and methodological regulations of accounting and analysis of operations with innovative banking products. Having analyzed the current point of view to the definition of "innovation" the author reasonably justified unreasonableness of its assignment to the objects of accounting. It as also justified the main inherent features of innovative banking products that is based on a detailed analysis of the characteristics of financial and banking innovations: 1) the characteristics of goods sold in the banking market; 2) features that take into consideration the requirements of accounting. This allowed to bring the determination of innovative banking product (as a result of intellectual activity of the bank, which received expression in the form of new and / or improved products intended for placing on the market of banking services, focused on better customer satisfaction and obtaining bank income) and structured objects accounting arising from the implementation of banking innovation. It is suggested here the classification of innovative banking products should be done 19 according to the following features: display in balance (balance sheet, off-balance sheet); development mechanism (developed by the Bank, with the assistance of third-party developers); the degree of novelty (newly borrowed); the degree of completion (complete, incomplete); form of protection (trade mark which is registered, which is subject to copyright, which is a commercial secret, for which no method of protection is not used); performance (implemented partly implemented,non-implemented). It is justified approach to banking engineering (as the development and implementation of innovative banking products that meet customer needs and interests of their own banks, which is caused by changes in the external and internal environments of operation), which is taken into account when determining its stages. The mechanisms of development and introduction of innovative products have been displayed that made possible to determine the sequence of formation expenses and the cost of innovative banking products as the basis for improving methodological support of their display. Agreed components of accounting: organization (division of responsibilities reflection of creation and implementation of banking products), methodology (development and implementation of methods for displaying the banking products at all stages of their life cycle) as well as process (ensuring effective use of selected methods of data processing, forms accounting records). In order to eliminate duplication of data components on a regulatory document it is set that the Bank's accounting policies disclosed through methodical and technological component of accounting. The author suggests to accumulate these costs in the accounts section 75 ??nnovation costs? (groups of accounts defined under banking phases of engineering, analytical accounts offered to build given the Bank's operating segments, responsibility centers, the types of new banking products). These proposals will improve the reliability and completeness of information on transactions with innovative banking products. In terms of ensuring appropriate information for operations management with innovative banking products it is offered to use the package management reporting: IBP 1 ?Statement of expenditure by type of innovative banking products and centers of responsibility?, IBP 2 ?Report on the cost of innovative banking products?, IBP 3 ?Report deviation of actual to planned cost banking product innovation?, IBP 4 ?Performance report transactions with innovative banking products?. Using these reporting forms allowed the employees of commercial banks to assess the feasibility of implementing of new products. It was established that the analysis of operations with innovative banking products should cover not only the effectiveness analysis, but the analysis of potential banking products, providing a definition of attractive investment products and their implementation. It was proved that evaluate the potential of innovative banking product should be based on a marketing approach that takes into account the benefit of both sides: the product manufacturer and the consumer of the product. On the basis of the advantages and disadvantages of these methods assess the potential of an innovative product, the 20 method of assessing the potential of innovative banking product that allowed to combine methods of peer review, based on a subjective analysis of the market environment experts and compliance needs of users of innovative banking products, and taking into account technical and technological capabilities of the bank given the prospect of further improvement of innovative banking product. In order to develop a common approach to the list of indicators that best allows to analyze the efficiency of operations with innovative banking products, formed a methodical support of this analysis. Also suggested author?s list of economic indicators to analyze the efficiency of funds invested in the development and realization of innovative banking products (rate of return on equity, the financial return on investment, net present value of cash flows, IRR (internal rate of Return, innovative project profitability project).
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Efemini, Eirene, and Leila Patricia Lech. "The Product Importance and Involvement Measurement : A mobile banking perspective." Thesis, Högskolan i Halmstad, Akademin för ekonomi, teknik och naturvetenskap, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-29562.
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Purpose: This study aims to investigate how important the mobile banking is amongst the Swedish population. This has become an important area due to the fact that competition in the financial sector has made it mandatory for banks to adopt new technologies, the increase of mobile devices and Internet access as a way of communication and the slightly lack of theoretical and statistical knowledge in this specific field. Methodology: Quantitative methods are used to gather empirical findings that will be subsequently analysed according to the adapted model of product importance and involvement theories. Findings: The Swedish mobile banking users are educated and skilled; the average usage is 2-3 times a week. Although the current app appears to be a complete tool, there is a need to include other features. More than a half the population are described as having an enduring importance towards the product. As additional finding, the research suggests that mobile banking market could be described as being in a mature stage with few new adopters. Research limitations: The product importance and involvement theory has never been used to investigate technological phenomenon. The methods were restricted due to time limit. Recommendations: Future studies could benefit from exploring this area through a more indept approach by considering the views of financial institutions and conduct a qualitative study with the users. In the managerial field, financial institutions should consider different strategies with the current users as presented in the model, such as a more integrated and interactive revised mobile banking app.
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Bin, Abd Razak Shahrul Azman Verfasser], Jamal [Gutachter] [Malik, and Friedrich [Gutachter] Thießen. "“Islamic” or “Islamizing” Banking Product? Reconsidering Product Development’s Approaches in the Malaysian Islamic Banking Industry / Shahrul Azman Bin Abd Razak ; Gutachter: Jamal Malik, Friedrich Thießen." Erfurt : Universität Erfurt, 2015. http://d-nb.info/1215977751/34.
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Korkiakoski, P. (Petri). "Creating a generic service product structure in a banking system renewal project." Bachelor's thesis, University of Oulu, 2017. http://urn.fi/URN:NBN:fi:oulu-201704251575.
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The financial sector is facing serious threats from technology innovation, regulatory changes and non-traditional new entry companies. The customer expectations are rising and more is requested from service providers all over the scale. Banks are competing against flexible and agile new-comers focusing on widely scalable services and high-margin products. Consequently, the financial institutions need to focus and invest in IT and agility to ensure competitiveness in the rapidly changing environment. A widely acknowledged problem in large institutions is the long legacy IT systems which have evolved over time due to mergers and company acquisitions. These systems are complicated and expensive to maintain and update which severely hampers the competition. Now, the case company under research has launched a wide system renewal project to simplify their IT, increase their agility and give them the ability for better, more personalized customer service with streamlined products and services. Banking products are examined in this research alongside with productization concepts. The study begins with a literary review, followed by case-data collection and conducted empirical research. The scientific literature shows that careful definition and systemization of service processes is the key element of efficiently managing product structures. The case data is analysed against this theoretical framework and a suggested model for structuring service products is presented to support the on-going renewal projectRahoitussektorilla on noussut esiin todellisia uhkia uusien teknologiainnovaatioiden, regulatiivisen sääntelyn sekä uusien yhtiötulokkaiden taholta. Myös kuluttajakäyttäytyminen muuttuu globaalisti; odotukset nousevat ja yrityksiltä vaaditaan enemmän läpi skaalan. Pankit kamppailevat uusia, ketteriä yrityksiä vastaan, jotka haastavat perinteiset toimijat skaalautuvilla korkean marginaalin tuotteilla. Pysyäkseen mukana nopeasti muuttuvassa ympäristössä talousinstituutiot investoivat uusiin IT-järjestelmiin ja ketteriin menetelmiin. Laajalti tunnustettuja ongelmia suurissa instituutioissa ovat vanhoista järjestelmistä, niiden ylläpidosta ja päivittämisestä aiheutuvat valtavat kustannukset sekä siitä aiheutuva kilpailuedun väheneminen. Tästä syystä tutkimuksen case-yhtiö on käynnistänyt laajan järjestelmäuudistuksen yksinkertaistaakseen IT -järjestelmänsä ja varmistaakseen siten ketterän ja personoidun asiakaspalvelun sekä virtaviivaisen tuotetarjoaman. Tässä tutkimuksessa perehdytään pankkituotteisiin ja tuotteistamisen konsepteihin. Tutkimus alkaa kirjallisuuskatsauksella, jatkuu case-aineiston kokoamisella ja syventyy empiirisen tutkimuksen suoritukseen. Tieteellinen kirjallisuus osoittaa, että palveluprosessien tarkka määrittäminen ja systematisointi ovat keskeisiä elementtejä tuoterakenteiden tehokkaassa hallinnassa. Case-aineistoa analysoidaan tätä teoreettista viitekehystä vasten, ja analyysin pohjalta rakennetaan ehdotus uuden palvelutuoterakenteen muodostamiseksi tukemaan uudistusprojektia
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Тігіпко, С. Л. "Конкурентоспроможність банківського продукту:до методології аналізу." Thesis, Українська академія банківської справи Національного банку України, 2005. http://essuir.sumdu.edu.ua/handle/123456789/60331.
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Про необхідність розширення спектра банківських послуг як чинника підвищення конкурентоспроможності банкуOn the need to expand the spectrum of banking services as a factor in increasing the competitiveness of the bank
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Uchupalanan, Kittiwat. "Dynamics of competitive strategy and IT-based product/process innovation in financial services : the development of electronic banking services in Thailand." Thesis, University of Sussex, 1998. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.390519.
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Лебедєва, М. В. "Роздрібний бізнес банку: особливості та напрями розвитку." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Lebedeva.pdf.
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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі розглядаються теоретичні аспекти роздрібного банківського бізнесу, їх сутнісні характеристики та організація роздрібної діяльності; визначені види роздрібних банківських послуг та їх особливості; досліджена роздрібна стратегія банку та фактори її розвитку. Проаналізовано практичні аспекти діяльності конкретного банку у сфері роздрібних операцій; досліджено склад та динаміка депозитного портфелю фізичних осіб як джерела фінансових ресурсів банку; проведений аналіз кредитних операцій роздрібних клієнтів банку; зроблена оцінка продуктового ряду банківських послуг фізичним особам. Запропоновано напрями розвитку роздрібного бізнесу в умовах сучасних економічних трендів, зроблена оцінка ефективності розвитку роздрібного банківського бізнесу; здійснено моделювання впливу факторів клієнтського капіталу роздрібного сегменту на доходи банку.
Thesis consists of three chapters. Object of study is the activities of the bank in the field of retail business. Diploma thesis deals with the theoretical aspects of retail banking, their essential characteristics and organization of retail activities; certain types of retail banking services and their features; the bank's retail strategy and factors of its development are studied. The practical aspects of a particular bank's activity in the field of retail operations are analyzed; the composition and dynamics of the deposit portfolio of individuals as a source of financial resources of the bank are studied; the analysis of credit operations of retail clients of the bank is carried out; an assessment of the product range of banking services to individuals was made. The directions of development of retail business in the conditions of modern economic trends are offered, the estimation of efficiency of development of retail banking business is made; modeling of the influence of the factors of the client capital of the retail segment on the bank's income was carried out.
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Hlongwane, Rivalani Willie. "Selecting the best model for predicting a term deposit product take-up in banking." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29789.
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In this study, we use data mining techniques to build predictive models on data collected by a Portuguese bank through a term savings product campaign conducted between May 2008 and November 2010. This data is imbalanced, given an observed take-up rate of 11.27%. Ling et al. (1998) indicated that predictive models built on imbalanced data tend to yield low sensitivity and high specificity, an indication of low true positive and high true negative rates. Our study confirms this finding. We, therefore, use three sampling techniques, namely, under-sampling, oversampling and Synthetic Minority Over-sampling Technique, to balance the data, this results in three additional datasets to use for modelling. We build the following predictive models: random forest, multivariate adaptive regression splines, neural network and support vector machine on the datasets and we compare the models against each other for their ability to identify customers that are likely to take-up a term savings product. As part of the model building process, we investigate parameter permutations related to each modelling technique to tune the models, we find that this assists in building robust models. We assess our models for predictive performance through the use of the receiver operating characteristic curve, confusion matrix, GINI, kappa, sensitivity, specificity, and lift and gains charts. A multivariate adaptive regression splines model built on over-sampled data is found to be the best model for predicting term savings product takeup.
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Купрієнко, О. В. "Інноваційні банківські продукти як умова підвищення ефективності діяльності роздрібного бізнесу." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63468.
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Сутність пакетних банківських продуктів – це поєднання в одному
банківському продукті комплексу банківських і страхових продуктів,
традиційних та альтернативних банківських послуг, що дозволяє мак-
симально повно задовольняти потреби клієнта в роздрібних продуктах,
вигідно розміщувати грошові кошти на рахунках клієнта та ефективно
управляти ними, а також отримувати додаткові переваги при придбанні
послуг поза пакетом.
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Lee, Tze-wan Sabrina. "New banking product development : a study of related intergroup problems and impact of TQM efforts on intergroup behaviour /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B2102036X.
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Заруцька, О. П. "Управління ціновою рівновагою банківського продукту." Thesis, Українська академія банківської справи Національного банку України, 2003. http://essuir.sumdu.edu.ua/handle/123456789/51504.
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Однією із головних функцій банківської системи є раціональний розподіл грошових ресурсів шляхом акумулювання тимчасово вільних коштів суб’єктів господарювання і населення та кредитування реальної економіки. В сучасних умовах банківські послуги, пов’язані із залученням та розміщенням ресурсів, набувають специфічних ознак, як роблять їх помітними, особливо привабливими на ринку, а традиційна сфера банківських послуг розширюється і системно оформлюється до орієнтованих на споживача продуктів.One of the main functions of the banking system is a rational distribution of financial resources by accumulation of temporary funds and public entities and lending to the real economy. In modern banking conditions associated with attracting and allocation of resources, acquire specific features, like make them visible, especially attractive in the market and the traditional banking sector expands and systematically drawn to consumer-oriented products.
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Павленко, Л. Д. "Ціноутворення на кредитні продукти банку." Thesis, Українська академія банківської справи Національного банку України, 2011. http://essuir.sumdu.edu.ua/handle/123456789/63049.
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Утяганов, І. Р. "Оцінка собівартості банківських продуктів на основі процесно-орієнтованого підходу." Thesis, Львівський інститут банківської справи Університету банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/63987.
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Автором доведена необхідність використання процесно-орієнтованого підходу для оцінки собівартості банківських продуктів.The author has proved the need for a process-oriented approach to estimate the cost of banking products.
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Yuonan, Jacob, and Rustam Mamedov. "Agile Project Management in Banking : A study of how agile methods are modified to suit the context of a bank." Thesis, Södertörns högskola, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-40982.
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Whilst there are studies that have been researching application of agile methods in different contexts, research have mainly been focused on the software industry. As the world becomes increasingly more digitised, the banking industry is having to keep up with this development and become more digital. Consequently, banks need to incorporate new flexible methods to keep up with the increasing demand for new digital products and features. However, the digital transformation and development processes are not as straightforward as in other industries because banks operate in regulated markets, making the application of agile methods more difficult. This study aimed to investigate and expand the knowledge of how agile methods are applied within the product developing processes in banks as well as what the challenges are with adopting such methods. Semi-structured interviews and internal documents were used to gather data regarding how a bank applies these methods. The main findings show that the bank applied agile methods and adapted them to suit their needs. Key themes identified from the data are agile framework adaptation, collaboration, motivation, and regulatory and internal challenges. The adaptation of specific frameworks is driven by the profile of the specific team as well as the nature of each project in a particular product area. Similarly, to pure agile methods, the motivation of workers is important for maximising productivity in the product development process. Internal and external collaboration was found to involve the interaction of internal teams and co-workers as well as receiving feedback from customers to improve their products. An important challenge in maximising agility is this sector is the regulatory environment in which banks operate in. The findings from this study contribute to the field by giving insight into how agile methods can be adapted in the context of banking by adding to existing literature.
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Rabak, Roman. "Structured Credit Products in Zeiten der Subprimekrise Produkte und Marktrisikomanagement österreichischer Banken." Wien Facultas.wuv, 2010. http://deposit.d-nb.de/cgi-bin/dokserv?id=3492422&prov=M&dok_var=1&dok_ext=htm.
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Ho, Ka-yan, and 何嘉恩. "The effects of trialability and personalization on the development of consumer-based service brand equity via the internet: an empirical investigation of internet banking service." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2004. http://hub.hku.hk/bib/B29297217.
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Петренко, А. С. "Конкуренція на банківському ринку України." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Petrenko.pdf.
Full textAbstract:
Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі розглянуті теоретичні аспекти та сутність банківської конкуренції як економічної категорії. Наукові засади дослідження поняття «конкурентоспроможність банківських послуг». Сучасні підходи до оцінки конкурентоспроможності банківської установи. Оцінка фінансової дільності АТ «Південний». Аналіз конкурентних позицій АТ «Південний». Порівняльна характеристика конкурентоспроможності банківських послуг та продуктів АТ «Південний». Зарубіжний досвід щодо підвищення конкурентоспроможності банків. Напрями підвищення конкурентоспроможності банку АТ «Південний». Проаналізовано загальні та специфічні функції конкуренції. Порівняльна характеристика методів оцінки конкурентоспроможності банку. Оцінка стратегії діяльності банку АТ «Південний». Основні сервіси, які підтримують ІТ-проекти українських банків. Порівняльна характеристика показників банків. Пропозиції для впровадження українськими банками стратегій покращення конкурентоспроможності. The paper considers the theoretical aspects and the essence of banking competition as an economic category.
Scientific principles of research on the concept of "competitiveness of banking services". Modern approaches to assessing the competitiveness of a banking institution. Estimation of financial activity of JSC " Pivdenny". Analysis of competitive positions of JSC "Southern". Comparative characteristics of the competitiveness of banking services and products of JSC "Southern". Foreign experience in increasing the competitiveness of banks. Directions for increasing the competitiveness of the bank JSC "Pivdenny". General and specific functions of competition are analyzed. Comparative characteristics of methods for assessing the competitiveness of the bank. Evaluation of the strategy of the bank JSC " Pivdenny". The main services that support IT projects of Ukrainian banks. Proposals for Ukrainian banks to implement strategies to improve competitiveness.
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Марушевська, В. В. "Управління роздрібним бізнесом банків України." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Marushevska.pdf.
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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ дослідженні розглянуто процес управління роздрібним бізнесом банків України. Досліджено теоретичні основи роздрібного банківського бізнесу; визначено особливості банківського ритейлу; проаналізовано сучасний стан роздрібних банківських послуг; досліджено стан депозитного ринку в сфері обслуговування фізичних осіб; розглянуто діяльність АТ «Південний» на ринку роздрібних банківських послуг; визначено проблеми управління роздрібним бізнесом банків; здійснено аналіз факторів, що впливають на банківські вклади населення; розглянуто досвід зарубіжних банків у сфері роздрібного бізнесу банків. Запропоновано: використовувати на практиці всі можливості банківського ритейлу, орієнтуватися на залучення більш надійних ресурсів від населення, формувати якісний кредитний портфель; покращувати процес дистанційного обслуговування клієнтів.
The study considers the process of managing the retail business of Ukrainian banks. The theoretical foundations of retail banking have been studied; features of bank retail are determined; the current state of retail banking services is analyzed; the state of the deposit market in the field of retail services was studied; the activity of JSC "Southern" in the market of retail banking services is considered; identified problems of retail business management of banks; the analysis of the factors influencing bank deposits of the population is carried out; the experience of foreign banks in the field of retail business of banks is considered. It is offered: to use in practice all possibilities of bank retail, to be guided by attraction of more reliable resources from the population, to form a qualitative credit portfolio; improve the process of remote customer service.
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Thornton, Charles D. "An examination of the impact of resources and the external environment amongst providers of UK banking services." Thesis, Loughborough University, 2012. https://dspace.lboro.ac.uk/2134/11560.
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This thesis answers calls for fine-grained studies of product diversification, in this case, predominantly using the resource based view of the firm. The context is UK providers of banking services. The thesis has developed the concept of resource matching. Resource matching combines levels of: resource heterogeneity, resource similarity and difference, and the external environmental setting of the organisation with the business performance of product diversification. Resource matching significantly increases the limited conceptual underpinning of diversification RBV by adapting and developing concepts from single firm RBV literature. Two new research strategies were developed to gather data on multiple resources and external factors. One was unused due to access issues during the credit crunch. The other, which was used, utilised multiple sources of publicly available information both qualitative and quantitative. These conceptual and methodological developments offer a way to restart the research on the impact of product diversification on business performance. This research has stalled due to conflicting results and methodological issues. Twenty nine providers of banking services in the UK where examined: building societies; other providers of retail banking services; providers of investment banking services; and combined banks which offer both investment and retail banking services. This thesis found: varying amounts of resource heterogeneity, resource bundles can be constructed from publicly available external data, performance in diversification does not adhere to the previously posited curvilinear pattern but to one of the greater the product diversification the greater the business performance risk and reward, with rewards being both positive and negative, and finally the external environment does vary within the industry. The results on product diversification performance suggest of a new way of looking at product diversification which might reconcile the previous conflicting results. A modified version of the conceptual model of resource matching was developed to take account of the results. Opportunities for further work include; studying other industries and providers of banking services in other countries, refining the single industry fine grained research methods and further developing the resource matching model.
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Lee, Tze-wan Sabrina, and 李芷芸。. "New banking product development: a study of related intergroup problems and impact of TQM efforts on intergroupbehaviour." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1996. http://hub.hku.hk/bib/B31267415.
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Крючок, В. М. "Управління конкурентоспроможністю банківських продуктів." Master's thesis, Сумський державний університет, 2019. http://essuir.sumdu.edu.ua/handle/123456789/76816.
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Розглянуті особливості конкурентоспроможності банківських продуктів, зокрема проаналізовано сутність підходів до визначення конкурентоспроможності банківських продуктів. Також визначено фактори, що впливають на конкурентоспроможність банківських продуктів та зазначені найбільш впливові з них. Охарактеризовано можливі підходи та методи для оцінки рівня конкурентоспроможності банківських продуктів та заходи щодо підвищення її рівня. Автором проаналізовано сучасний стан банківської системи України та тенденції розвитку банківських продуктів та запропоновано шляхи удосконалення управління конкурентоспроможністю продуктів АТ КБ «ПриватБанк».Рассмотрены особенности конкурентоспособности банковских продуктов, в частности проанализированы сущность подходов к определению конкурентоспособности банковских продуктов. Также определены факторы, влияющие на конкурентоспособность банковских продуктов и указаны наиболее влиятельные из них. Охарактеризованы возможные подходы и методы для оценки уровня конкурентоспособности банковских продуктов и меры по повышению ее уровня. Автором проанализировано современное состояние банковской системы Украины и тенденции развития банковских продуктов и предложены пути совершенствования управления конкурентоспособностью продуктов АО КБ «ПриватБанк».
Features of competitiveness of banking products are considered, in particular, the essence of approaches to determination of competitiveness of banking products is analyzed. It also identifies the factors that affect the competitiveness of banking products and lists the most influential ones. Possible approaches and methods for assessing the level of competitiveness of banking products and measures for increasing its level are described. The author analyzes the current state of the banking system of Ukraine and trends in the development of banking products and suggests ways to improve the competitiveness of the products of JSC CB PrivatBank.