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Journal articles on the topic 'Banking Sector Liberalization'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Mahfooz, Maryam, Zafar Mahmood, and Shabana Noureen. "Assessing the Impact of Liberalization of Trade Related Services on Services Growth in Pakistan." NUST Journal of Social Sciences and Humanities 4, no. 2 (2021): 184–221. http://dx.doi.org/10.51732/njssh.v4i2.35.

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The services sector has offered sound support to Pakistan’s economic development. It has emerged as one of the fastest growing and highest contributing sectors of the economy. Through the use of Fully Modified OLS Estimation Technique, this study has provided evidence that liberalization of the two key sub-sectors (telecom and banking) of services of Pakistan has played an important role in development of these sectors. The task is achieved by preparing liberalization index for the two sectors. The econometric evidence reveals that results are robust and in accordance with the theory. Relation

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Boussadia, Mourad. "The Impact of Liberalization of Financial Services Sector on Economic Growth in Algeria: An Empirical Study for the Period (1980-2021) [In Arabic]." Finance and Business Economies Review 6, no. 4 (2022): 109–30. http://dx.doi.org/10.58205/fber.v6i4.115.

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This study aimed to analyse the impact of liberalization of the financial services sector on Algeria's economic growth for the period (1980-2021), using the ARDL-bounds testing approach, and based on a set of well-known indicators to express the internal and external financial liberalization policy, such as the Kaopen and IFGDP indicators to explain the reality and extent of capital account liberalization and the restrictions and controls imposed on it, and an indicator as a proxy of banking market liberalization, in the absence of the financial market liberalization index, due to the ineffect

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Muhamad Arifin, Nur Afizah, and Norhasimah Shaharuddin. "Impact of Financial Liberalisation on GCC and Malaysia Banks Performance: Quantile Regression Analysis." International Journal of Research and Innovation in Social Science IX, no. V (2025): 5959–68. https://doi.org/10.47772/ijriss.2025.905000463.

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This study investigates the impact of financial liberalization on the performance of banks in the Gulf Cooperation Council (GCC) countries. Over recent decades, the GCC economies have undergone significant financial reforms, including the deregulation of financial markets, privatization of state-owned banks, and the opening of the banking sector to foreign competition. These reforms aimed to enhance bank efficiency, increase competitiveness, and attract foreign investment. The study reviews existing literature to assess the dual effects of financial liberalization: while it has led to increase

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Mohd, Azhar Ud Din Malik, Ahmad Malik Tariq, and Ahmad Dass Ajaz. "Libralization It's Impact on Indian Banking Sector." International Journal of Trend in Scientific Research and Development 1, no. 6 (2017): 431–36. https://doi.org/10.31142/ijtsrd3569.

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Indian financial sector has undergone an important role in inspiring and stabilizing the growth of an economy. Economics essentially involves the efficient transfer of funds in exchange for goods, services or promises of future return, it brought momentous changes in the financial sector in general and banking in particular. While there have been striking changes in the financial structure, India remains a bank conquered financial system. One of the major purposes of financial liberalization was to make the financial institutions more efficient and competent. A number of developing countries h

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Fekadu, Gardachew Worku. "Repressed banking industry: The context of emerging market." Corporate Governance and Organizational Behavior Review 4, no. 1 (2020): 54–60. http://dx.doi.org/10.22495/cgobrv4i1p5.

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The present paper uses a qualitative approach with data obtained from secondary sources on the sequence and timing of financial liberalization in Ethiopia. The approach is purely qualitative, which simply examines the sequence of financial sector liberalization measures introduced in Ethiopia between 1992 and 2014. The study aims to identify the financial sector liberalization measures introduced and critically evaluate the timing and sequence of these programs implemented in Ethiopia. In light of documented empirical findings, it was found that the financial liberalization programme in Ethiop

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Sujitha, S. "Profitability Ratio Analysis to Assess the Financial Performance." ComFin Research 13, S1-i1-Mar (2025): 55–59. https://doi.org/10.34293/commerce.v13is1-i1-mar.8654.

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Indian economy witnessed for huge changes in all sector due to Introduction of New Economic policy. Like all other industries, Banking sector also changed dramatically. After liberalization Reserve Bank of India liberalize procedure for entry for private players into banking industry. Before liberalization, public sector banks dominate Indian banking industry. After entry of private banks in banking industry there is a hugechanges in operations of banks. Private banks are more focused on operational efficiency and customer service. With help of technology banking sector are become highly compe

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Samuel, Adams, and Agbemade John. "Financial liberalization and banking sector performance in Ghana." African Journal of Business Management 6, no. 47 (2012): 11598–608. http://dx.doi.org/10.5897/ajbm09.156.

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Arifin, Nur Afizah Muhamad, Roslina Mohamad Shafi, and Imani Mokhtar. "Does Competition Matter in The Malaysian Banking System?" Information Management and Business Review 15, no. 3(SI) (2023): 78–84. http://dx.doi.org/10.22610/imbr.v15i3(si).3460.

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The transition from financial repression to financial liberalization, which led to cross-border capital flows and the expansion of the financial sector, has had a significant impact on the global financial market. Competition could pass through or interact with the impact of financial liberalization on financial stability. A liberalized banking sector prompted commercial banks to intensify risk-taking activities, which ultimately could affect financial stability. This paper examines the effect of financial liberalization on financial stability and the roles of competition as the interacting va

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Sharma, Hemendra, and Sadhana Tiwari. "Indian Banking Sector." VEETHIKA-An International Interdisciplinary Research Journal 9, no. 2 (2023): 1–3. http://dx.doi.org/10.48001/veethika.2023.09.02.001.

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When developing a new marketing strategy, the customer is king, and the customer is the protagonist. Customers are at the heart of any successful marketing strategy. Banking field has a unique relationship between customer and the bank. However, due to various reasons such as lack of education, new technical skills, financial goals and risk of failure, some banks use traditional marketing methods while others adopt CRM. With this in mind researchers undertook a modest attempt to develop the idea that’s CRM could be customized to continuously improve banking services across the banking industry

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Mirhashimli, Leyla, Afag Hasanova, and A. Choriev. "The major integration features of banking system." BIO Web of Conferences 151 (2025): 04008. https://doi.org/10.1051/bioconf/202515104008.

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The internationalization of the banking sector in developing countries brings both significant benefits and challenges. Foreign banks promote competition, efficiency and financial inclusion, which accelerates the integration of local banking systems into the global economy. However, the arrival of large international players may increase risks and force local banks to make significant changes. Studies show that the influence of foreign banks is ambiguous and depends on the level of economic development of the country. When assessing the effects of globalization, it is important to consider the

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11

Etudaiye-Muhtar, Oyebola Fatima, Rubi Ahmad, Taiwo Azeez Olaniyi, and Bilqees Ayoola Abdulmumin. "Financial Market Development and Bank Capitalization Ratio." Paradigm 21, no. 2 (2017): 126–38. http://dx.doi.org/10.1177/0971890717736211.

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Financial sector liberalization in many African countries, set in a series of financial sector reforms, aimed at developing the system. Theoretically, reforms that develop the banking sector are expected to improve banks’ performance and reduce excessive bank-risk taking by enhancing bank capital ratio in addition to maintain the stability in the system. Nonetheless, literature also shows that the health of the financial system may be at risk following a liberalization process in the form of contagion effects of financial markets integration. A recent example is the global 2007/2008 global fin

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12

Farhat, Chedlia. "Determinants of banking sector development in developing and emerging economies: Unveiling the role of economic growth, trade openness, and financial liberalization." Banks and Bank Systems 18, no. 3 (2023): 177–91. http://dx.doi.org/10.21511/bbs.18(3).2023.15.

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The determinants of financial development in developing and emerging economies are examined in this article. The long-term relationships between banking sector development, financial integration, trade openness, and economic growth are explored using FMOLS-DOLS panel estimations spanning from 1980 to 2021. The critical significance of economic growth, trade openness, and financial liberalization as fundamental drivers of banking system progress is underscored by the results. To investigate this relationship, two specifications are introduced to measure banking sector development: private credi

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13

SAQIB, Najia. "BANKING SECTOR LIBERALIZATION AND ECONOMIC GROWTH: CASE STUDY OF PAKISTAN." Journal of Business Economics and Management 17, no. 1 (2016): 125–39. http://dx.doi.org/10.3846/16111699.2013.804874.

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Economic theory suggests that sound and efficient financial systems channel capitals to its most productive uses are beneficial for economic growth. Sound and efficient financial systems are especially important for sustaining growth in developing countries. This paper examines the impact of banking sector liberalization on long-term economic growth in Pakistan by using a time series data for the period 1971–2011. The results show that there exist a significant positive long run relationship between banking sector development and economic growth in the country. The sensitivity analysis also sh

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14

Hamdaoui, Mekki, Abir Zouari, and Samir Maktouf. "The effect of financial liberalization on banking sector stability." International Review of Applied Economics 30, no. 5 (2016): 644–67. http://dx.doi.org/10.1080/02692171.2016.1165654.

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15

Murshed, Syed Mansoob, and Iftekhar Ahmed Robin. "Financial Liberalization, Savings and the Banking Sector in Bangladesh." South Asia Economic Journal 13, no. 1 (2012): 69–83. http://dx.doi.org/10.1177/139156141101300104.

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Bista, Raghu Bir, Chirangivi Bista, and Sarita Shrestha. "Measuring the market power of commercial banks and market structure in the financial sector in Nepal." Journal of Management World 2025, no. 3 (2025): 55–64. https://doi.org/10.53935/jomw.v2024i4.1042.

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Nepal has reformed its financial sectors to align with sector performance and growth, with the aim of mobilizing resources and capitalizing them for higher economic growth and poverty reduction throughout the country. This paper aims to measure the degree of competitiveness in financial sectors in Nepal. The research design, methods, and theory employed in this paper include both structural and nonstructural approaches. The structural approach uses concentration ratios and HHI to measure market competitiveness, while the non-structural approach uses the profit elasticity model/Boone indicator.

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17

P, Bala Krishnan. "Banking." Shanlax International Journal of Commerce 7, S1 (2019): 159–65. https://doi.org/10.5281/zenodo.2552254.

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Banking services are regarded as one of the important service. Banks provide financial services to the customers. Due to the rising competition and liberalization the banking industry has become the buyer’s market. Banks need to create and develop the services which can satisfy the consumer needs. Customer satisfaction is a very important construct in today’s market and it is directly influenced by service quality as per earliest studies. Therefore, the present research work has been carried out to analyze the rural customers’ attitude towards pu

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Dr., S. Bulomine Regi, and C. Eugine Franco Dr. "INFORMATION TECHNOLOGY IN INDIAN BANKING SECTOR – CHALLENGES AND OPPORTUNITIES." International Journal of Multidisciplinary Research and Modern Education 3, no. 1 (2017): 78–82. https://doi.org/10.5281/zenodo.322358.

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Liberalization and globalization have brought several changes in the service sector in India and banking sector is no more exception to this changing phase. Rapid strides in information technology have redefined the role and structure of Indian banking sector. Banking system is shifted from traditional banking to modern customer oriented banking. Advancement in technology, global pressure and better customer services demand banks to enhance their quality of services which can assure efficient delivery of services with lesser cost and time and also maintaining reliability and convenience. Techn

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19

Waghmode, Balu Maruti. "Electronic Banking – An Indian Experience." International Journal of Economics, Business, Accounting, Agriculture and Management towards Paradigm Shift in Research (IJEBAMPSR) 2, no. 1 (2025): 112–15. https://doi.org/10.5281/zenodo.15285832.

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<strong><em>Abstract</em></strong> <em>The term "e-banking," or "electronic banking," describes how banks and other financial organisations use digital platforms to provide services including loan applications, fund transfers, balance enquiries, and bill payments, among others. Over the past 20 years, e-banking use in India has increased significantly, particularly following the IT revolution and economic liberalisation in the 1990s. In today's environment, the significance of e-banking is immense. Without e-banking, banks cannot operate effectively. Digital transformation involves shifting fr

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20

Gandhi, Vandana, Vishal Mehta, and Prashant Chhajer. "Post-Merger Financial Performance of ICICI Bank." Shanlax International Journal of Management 7, no. 4 (2020): 23–35. http://dx.doi.org/10.34293/management.v7i4.2321.

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India has witnessed Mergers and Acquisitions across sectors and the most talked about mergers are those in the Banking sector. The banking sector attracts more attention because of the wide geographic spread and the scattered spectrum of stakeholders. Post liberalization banking sector has grown by leaps and bounds and has also seen a lot of mergers and acquisitions. ICICI bank is one of the biggest players among the private sector banks, adopted the merger and acquisition route for expansion. It witnessed four mergers and the same have been studied in this paper. Evaluation of the mergers has

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21

Adesina, Kolade Sunday, and Maria Semenova. "Do non-interest income activities matter for banking sector efficiency? A net interest margin perspective." Applied Econometrics 73, no. 1 (2024): 59–77. http://dx.doi.org/10.22394/1993-7601-2024-73-59-77.

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This paper explores the effects of non‐interest income (NII) generating activities on banking sector efficiency in 152 countries from 1996 to 2017. Contrary to previous studies that examine the effects of diversification on banking performance at the micro‐level, this study seeks to provide new insights about the effects of diversification at the aggregate level on bank efficiency. This aspect offers a chance to capture the whole banking sector and provides a broader understanding of the effects of banking sector diversification. Our baseline results reveal that engaging in NII activities is p

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22

Baszyński, Adam. "Transformacja sektora bankowego w krajach Europy Środkowej, Wschodniej i Południowo-Wschodniej." Wiadomości Statystyczne. The Polish Statistician 2013, no. 7 (2013): 80–98. http://dx.doi.org/10.59139/ws.2013.07.6.

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This article attempts to assess the development of banking sectors in the transition countries of Central, Eastern and Southeastern Europe (CESEE) in years 1990–2011. There are evaluated the recommendations of international financial institutions with regard to the reform of the banking sector and a range of banking intermediation measured by the ratio of internal credit provided by the banking system related to GDP. The results of the evaluation of banking reforms allow positively assess the transformation of banking in the CESEE. Countries that consistently implement the adopted bank reform

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23

Bau, Natalie, and Adrien Matray. "Misallocation and Capital Market Integration: Evidence From India." Econometrica 91, no. 1 (2023): 67–106. http://dx.doi.org/10.3982/ecta19039.

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We show that foreign capital liberalization reduces capital misallocation and increases aggregate productivity for affected industries in India. The staggered liberalization of access to foreign capital across disaggregated industries allows us to identify changes in firms' input wedges, overcoming major challenges in the measurement of the effects of changing misallocation. Liberalization increases capital overall. For domestic firms with initially high marginal revenue products of capital (MRPK), liberalization increases revenues by 23%, physical capital by 53%, wage bills by 28%, and reduce

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Usman, Ghani, and Kamal Hossain Md. "A comparative analysis of the results of financial liberalization in Central European countries: 1991-2020." International Journal of Science and Business 5, no. 9 (2021): 95–111. https://doi.org/10.5281/zenodo.5341602.

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This article builds understanding upon the financial liberalization as financial intervention that influences upon the monetary fiscal, corporate factors of overall economic policy setups. Based on considerations for financial liberalization in Central European countries for the period of 1991-2020, this article discusses the impact of financial liberalization for the countries of central Europe which includes Austria, Bulgaria, Czech Republic, Croatia, Estonia, Hungary, Latvia, Lithuania, Poland, Romania, Slovenia, Slovakia, (referred hereafter as CECs). The main aim of this study is to expla

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Lwin, Nyi, Sui Reng Liana, and Mohammed Saleh Nusari. "Analysis of Mobile Banking Adoption by Customers of Private Commercial Banking Sector in Yangon, Myanmar." Restaurant Business 118, no. 10 (2019): 130–44. http://dx.doi.org/10.26643/rb.v118i10.9151.

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Obviously, there are two sectors of industry that are balanced for phenomenal development in Myanmar: telecommunications and financial services. One can just envision how energizing the prospects may be for the cover between the two: mobile financial services. Due to the liberalization of telecommunication market in Myanmar, the private banking sector is trying to introduce mobile banking system. The rise of electronic money is becoming popular. Paying for groceries with a wave of an SMS, sending some money to a relative in another region or receiving one’s Government pension per mobile bank a

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Mohamed, Abubakr. "Financial Liberalization & the Islamic Banking System in Sudan: Theoretical Overview." International Journal of Financial, Administrative, and Economic Sciences 4, no. 5 (2025): 118–60. https://doi.org/10.59992/ijfaes.2025.v4n5p5.

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The WORLD TRADE ORGANIZATION (WTO) concluded negotiations on financial services in the context of the General Agreement on Trade in Services (GATS) in December 1997. These services include banking, insurance and other financial services, which have become subject to multilateral trade rules. i.e., any country acceding to the WTO is obliged to open such a sector of strategic importance. Sudan, a developing economy, practicing Islamic Banking System and has an observer status at the WTO. The economic literature consistently pointed to the crucial role of financial development in a country's econ

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Obafemi, Frances Susan, Olumide Ayodele, and Friday Ebong. "The Sources of Efficiency in the Nigerian Banking Industry." International Journal of Finance & Banking Studies (2147-4486) 2, no. 4 (2013): 78–91. http://dx.doi.org/10.20525/ijfbs.v2i4.164.

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The paper employed a two-stage Data Envelopment Analysis (DEA) approach to examine the sources of technical efficiency in the Nigerian banking sub-sector. Using a cross section of commercial and merchant banks, the study showed that the Nigerian banking industry was not efficient both in the pre-and-post-liberalization era. The study further revealed that market share was the strongest determinant of technical efficiency in the Nigerian banking Industry. Thus, appropriate macroeconomic policy, institutional development and structural reforms must accompany financial liberalization to create th

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Kasahara, Yuri. "Should I stay or should I go? A comparative study of banking sector policies and the strategies of Central American business groups." Business and Politics 14, no. 4 (2012): 1–43. http://dx.doi.org/10.1515/bap-2012-0031.

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The article seeks to explain how policies affect business groups’ decisions to stay or leave a sector of activity in a liberalized economy. The article utilizes a comparative historical approach to explain how business groups in six Central American countries decided to enter, remain in or leave the banking sector. Using case studies of the main banks belonging to business groups in the region, the article seeks to identify how particular sequences of policies lead to the formation of two major strategies. A portfolio one, characterized by a short-term interest in the banking sector; and an or

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S, Jeyalakshmi. "Reforms in Banking Sector in India." Shanlax International Journal of Commerce 6, S1 (2018): 13–16. https://doi.org/10.5281/zenodo.2529640.

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For the past three decades India’s banking system has several outstanding achievements to its credit. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. Since the process of liberalization and reform of Lnking sector has undergone major transformation. The underlying objectives of the reform were to make the banking system more competitive, productive and profitable. Indian banks especially the public sector banks and the old private sector banks are

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Adu, Abraham, and Keshab Bhattarai. "IMPACT OF FINANCIAL LIBERALIZATION ON CONCENTRATION AND COMPETITION IN THE GHANAIAN BANKING SYSTEM: A PANZAR-ROSSE ANALYSIS." JOURNAL OF DEVELOPMENT ECONOMICS AND FINANCE 3, no. 2 (2022): 253–73. http://dx.doi.org/10.47509/jdef.2022.v03i02.01.

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This paper empirically investigated the evolution of market concentration in Ghana. It tests market competitiveness in banking systems post financial sector reforms. Using unbalanced panel data of 24 banks in the period 2003-2012, a period characterized with deregulation, liberalization and consolidation of the banking sector in Ghana. Market concentration in the Ghanaian banking sector is measured by the Hirschman-Herfindahl indices as well as CR3 and CR5 with this panel data. Both CR3 and CR5 had a decreasing trend indicating falling market concentration ratios and increasing rate of competi

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Ghosh, Chinmoy, John Harding, and B. V. Phani. "Does liberalization reduce agency costs? Evidence from the Indian banking sector." Journal of Banking & Finance 32, no. 3 (2008): 405–19. http://dx.doi.org/10.1016/j.jbankfin.2007.07.004.

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COOK, WADE D., MOEZ HABABOU, and LIANG LIANG. "FINANCIAL LIBERALIZATION AND EFFICIENCY IN TUNISIAN BANKING INDUSTRY: DEA TEST." International Journal of Information Technology & Decision Making 04, no. 03 (2005): 455–75. http://dx.doi.org/10.1142/s0219622005001684.

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IMF policies have been widely criticized in the aftermath of the Asian crisis. Key critics questioned the appropriateness and the sequencing of financial liberalization programs which, along with insufficient monitoring and inadequate prudential regulations, left the financial sectors of the affected countries highly leveraged and exposed. This paper examines the impacts of similar reforms on the efficiency of the banking system in Tunisia, a country whose economy has been reshaped by the IMF/World Bank prescribed economic adjustment plans since 1987. Using various DEA models and panel data co

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Sufian, Fadzlan, Fakarudin Kamarudin, and Annuar Md. Nassir. "Globalization and bank efficiency nexus: empirical evidence from the Malaysian banking sector." Benchmarking: An International Journal 24, no. 5 (2017): 1269–90. http://dx.doi.org/10.1108/bij-09-2014-0090.

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Purpose The purpose of this paper is to provide a new empirical evidence on the impact of economic globalization on the efficiency of the banking sector. The paper also investigates to what extent the internal (i.e. bank specific characteristics) and external (i.e. macroeconomic conditions) factors influence the efficiency of banks while controlling for the impact of the different dimensions of globalization. Design/methodology/approach The analysis is confined into two stages. In the first stage, the authors employ the bias-corrected data envelopment analysis method to compute the efficiency

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Shen, Yan, and Wenlong Bian. "Interest Liberalization and the Estimation of Implicit Interest Rates in China's Banking Sector." Asian Economic Papers 16, no. 3 (2017): 287–307. http://dx.doi.org/10.1162/asep_a_00576.

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China's interest rate liberalization process has yet to be completed. Despite removal of deposit interest rate ceilings on 23 October 2015, controls like window guidance are still imposed to prevent commercial banks from setting interest rates freely. This paper estimates implicit interest rates in China (i.e., the additional yield to official interest rates that banks must pay to attract deposits) using headquarter-level data of 88 commercial banks from BankScope and branch-level data of 317 branches in 90 counties and 14 provinces for the period 2005–13. The econometric methods allow for bot

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G.Jeyachitra. "Role of Information Technology in Banking Sector." Role of Information Technology in Banking Sector 7, Sp 1 (2019): 76–81. https://doi.org/10.5281/zenodo.3595722.

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Liberalization and Information technology has attracted many foreign banks to  India, thereby opening up new market s, new products and efcient delivery channels  for the banking industry. In the development of Indian economy. Banking sector plays a very important and crucial  role. With the use  of technology there had been  an increase in penetration, productivity  and efciency. It has not only increased the cost effectiveness but also has helped in making small value transactionsviable. Commercial Banks in India are  now becoming a one-stop Supermarket.

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Arslan, Belma. "BANK CONCENTRATION AND COMPETITION; EVIDENCE FROM TÜRKİYE." AYBU Business Journal 5, no. 1 (2025): 29–42. https://doi.org/10.61725/abj.1699872.

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Liberalization of the banking sector has significantly transformed the market structure. The global and Turkish banking markets have become increasingly concentrated due to globalization. Higher concentration may lead to changes in market structure, reducing competition and establishing a situation where a few dominant banks control the market. The issue of competition and concentration should be assessed to create banking rules and reduce the danger of financial crises. It is crucial to properly evaluate, analyze, and comprehend the banking market structure. This research determines the compe

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Mercan, Metin, Ilia Botsvadze, Bachana Dzagania, Tornike Khoshtaria, and Ana Rachvelishvili. "Determinants of bank profitability in Georgian banking sector." Journal of Business 11, no. 2 (2023): 83–116. http://dx.doi.org/10.31578/job.v11i2.221.

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This study examines the impact of bank-specific and macroeconomic determinants on the profitability of commercial banks in Georgia, where banks tend to be the largest part of the financial system, with free market systems and liberalization policies similar to those in other transition economies, using panel data analysis and random forest method (RVI) is implemented as a robustness check. The profitability indicators return on asset (ROA), return on equity (ROE), and net interest margin (NIM), all of which have been extensively utilized as indicators of profitability in previous research, wer

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Alouani, Ahmed. "Financial reforms in the MENA region, a comparative approach: The case of Tunisia, Algeria, morocco and Egypt." Panoeconomicus 55, no. 3 (2008): 369–81. http://dx.doi.org/10.2298/pan0803369a.

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The financial reform is one of the most important reforms prescribed by the Washington Consensus. With its internal and external components, it occurs in the final stages of the process of economic liberalization. In this work, and after listing, briefly, the causes of financial liberalization, we are going to study in a second section financial development and bank performance in four countries of the MENA region: Tunisia, Algeria, Morocco and Egypt. In this context, we will explore some criteria for determining if the banking sector is performing as the level of intermediation margins, the s

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B.K., Dhanya, and Dr Velmurugan V.P. "Satisfaction Level of Customers in Demographic Variables in Public Sector Banks." Webology 19, no. 1 (2022): 1017–27. http://dx.doi.org/10.14704/web/v19i1/web19070.

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The aim of our study is to look at the impact of various demographic parameters on Internet banking service excellence, client value, fulfillment, and trust. Increased competition and the emergence of financial liberalization-driven technology are pushing significant changes in the way Indian banks operate and provide services to their consumers. Banks are rapidly going into a new era of fantastic technological banking in order to ensure functional excellence and improved consumer loyalty. Because using technology to provide banking services costs money and time, it's vital to assess whether t

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Abed, Muhannad K., Khalid R. Awad, and Firas K. Abed. "The Effect of Banking Assets on Inflation in the Iraqi Economy for the Period (2005-2020)." Tikrit Journal of Administrative and Economic Sciences 18, no. 58, 1 (2022): 270–83. http://dx.doi.org/10.25130/tjaes.18.58.1.15.

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The research aims to show the effect of banking assets on some inflation in the Iraqi economy from the period (2005-2020). The sample of the research is the banking assets and the research community of the Iraqi economy, and the results showed the existence of a long-term equilibrium relationship heading from banking assets to inflation in Iraq during the period (2005-2020). In addition to the existence of the inverse relationship between banking assets and inflation in Iraq. Despite the entry of Iraq after the year (2004) to the market economy and financial liberalization processes, the perfo

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Dr.Rajeev shukla. "Impact on Indian Commercial Banks." Knowledgeable Research: A Multidisciplinary Journal 3, no. 01 (2024): 28–36. http://dx.doi.org/10.57067/ezva7g03.

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Financial system is the most important institutional and functional vehicle for economic transformation of any country. Banking sector is reckoned as a hub and barometer of the financial system. As concern of the economy, this sector plays a predominant role in the economic development of the country’s geographical pervasiveness of the bank coupled with the range and depth of their services matter and system an indispensable medium in every day transactions (Dutta, B.K. “Monetary Discipline and Indian Banking pp. 147). The virtual monopoly of banks in terms of mechanism touches the lives of mi

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Kaminsky, Graciela L., and Carmen M. Reinhart. "The Twin Crises: The Causes of Banking and Balance-of-Payments Problems." American Economic Review 89, no. 3 (1999): 473–500. http://dx.doi.org/10.1257/aer.89.3.473.

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In the wake of the Mexican and Asian currency turmoil, the subject of financial crises has come to the forefront of academic and policy discussions. This paper analyzes the links between banking and currency crises. We find that: problems in the banking sector typically precede a currency crisis—the currency crisis deepens the banking crisis, activating a vicious spiral; financial liberalization often precedes banking crises. The anatomy of these episodes suggests that crises occur as the economy enters a recession, following a prolonged boom in economic activity that was fueled by credit, cap

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Kloba, Lev, Taras Kloba, and Solomiia Kloba. "BLOCKCHAIN TECHNOLOGY IN THE BANKING FIELD: FEATURES OF DEVELOPMENT AND POTENTIAL PROSPECTS." Economic journal of Lesya Ukrainka Volyn National University 2, no. 34 (2023): 47–57. http://dx.doi.org/10.29038/2786-4618-2023-02-47-57.

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The banking industry worldwide has continued to evolve over the past decade due to many factors, including globalization, liberalization of financial markets, changes in banking regulation, and, of course, constant changes in the increasing demand of customers for high-quality banking services. Modern information technologies, especially Blockchain technologies, will fundamentally change the appearance of current financial and banking institutions. For the banking sector, the issue of innovative development and the development of types and mechanisms for ensuring a stable and effective process

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Agarwal, Manoj Kumar, and Dharmesh Kumar. "Growth of Banking Sector: A study of various Mergers and Acquisitions in India." Journal Global Values XV, no. 2 (2024): 324–39. https://doi.org/10.31995/jgv.2024.v15i02.033.

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The banking system is considered as the backbone of any economy as it has a direct bearing on financial and economic development. The aim of the research paper is to study the growth and evolution of the banking system in India and to evaluate the benefits of mergers and acquisitions in the Indian banking sector. The secondary data for the study has been acquired from sources such as Reports and Publications of RBI, the Indian Banking Association and various websites. The banking sector in India has evolved through three chronological phases. The first phase marked the establishment and nation

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Diatlova, Yu. "Modern Approach to Formation of the Banking Sector Development Trajectory." Economic Herald of the Donbas, no. 4 (62) (2020): 70–77. http://dx.doi.org/10.12958/1817-3772-2020-4(62)-70-77.

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The results of the study topical issue on effective development of the banking sector with an emphasis on banks with domestic capital are summarized in the article; the modern approach to formatting the trajectory of such development is substantiated. The factors influencing the development of the banking sector are systematized. External and internal factors are distinguished. The supranational and national levels are defined for the group of external factors. Supranational factors are related to globalization and integration. First of all, these are crisis phenomena in the world economy and

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Arifin, Nur Afizah Muhamad, Ismah Osman, Norhasimah Shaharuddin, and Fauzias Mat Nor. "Analyzing the Impact of Financial Liberalisation on Malaysian Bank's Performance: Quantile Regression Analysis." Information Management and Business Review 16, no. 3(I)S (2024): 464–74. http://dx.doi.org/10.22610/imbr.v16i3(i)s.4074.

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This study employs quantile regression analysis to examine the impact of financial liberalization on the performance of Malaysian banks, focusing on how these effects vary across different performance levels. A liberalized banking sector prompted commercial banks to intensify risk-taking activities, which ultimately could affect the bank’s performance. Using quantile regression analysis, it shows that only the middle quantile indicates all the significant variables for both OLS and quantile analysis. This study found that lower-performing banks may face adverse effects, including increased ris

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Pagoulatos, George. "Financial Interventionism and Liberalization in Southern Europe: State, Bankers, and the Politics of Disinflation." Journal of Public Policy 23, no. 2 (2003): 171–99. http://dx.doi.org/10.1017/s0143814x03003088.

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The article provides a structural and political account of financial intervention in Spain, Portugal and Greece and examines competing explanations for financial liberalization. It focuses on the economic and political objectives underlying financial reform, and the costs and benefits for government, central bank, and the banking sector. It argues that financial liberalization was, to a significant extent a necessary prerequisite for the central banks' programmatic effort to achieve effective disinflation. This challenges the dominant arguments viewing financial liberalization exclusively with

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Vora-Sittha, Pornpen. "Is Thai Banking Ready for AEC Financial Liberalization in 2020?" Asian Social Science 12, no. 5 (2016): 226. http://dx.doi.org/10.5539/ass.v12n5p226.

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<p>Thai banking’s readiness before approaching a new phase of regional economic integration under AEC’s Financial Liberalization in 2020 is evaluated through the applications of Financial Development Index (FDI), developed by World Economic Forum (WEF). The paper assesses bank’s readiness for regional competition by using readiness index constructed in this study. Data limitation allows this article to cover only six countries in ASEAN, namely, Indonesia, Malaysia, Philippines, Singapore, Thailand, and Vietnam. The analysis includes four pillars and one sub-pillar out of 7 pillars repres

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Siqueira, Alexis Cavichini Teixeira de, and Fábio Francisco de Araujo. "Banking Concentration and Foreign Capital Liberalization: a Descriptive Study of the Brazilian Experience." Revista de Gestão Social e Ambiental 19, no. 5 (2025): e012198. https://doi.org/10.24857/rgsa.v19n5-043.

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Objective: Assess whether banking concentration and the opening to foreign capital resulted in economies of scale and efficiency, reflected in lower interest rates for consumers, answering if the results turned in relevent benefits for users. Theoretical Framework: The main concepts and theories are: Scale and Efficiency Theory; Structure-Conduct-Perfomance; Coalition Hypothesis and the interaction between bank concentration and financial regulation. Method: A quantitative approach was used for this descriptive research. Data collection was carried out through secondary data form the Banco Cen

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Keshava. "IMPACT OF PRIVATIZATION ON INDIAN BANKING SECTOR." International Journal of Advanced Trends in Engineering and Technology 1, no. 1 (2017): 105–7. https://doi.org/10.5281/zenodo.240275.

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Privatization is transfer of ownership from the public to the private sector as well as the control over assets. In broader terms, it involves greater influence on demand and supply force, make sure that there is higher competition, it brings greater involvement in government activities. It brings liberalization in different regulations to release forces of competition and to implement demand and supply forces into the economy. Privatization is contemplate to bring up competition, making sure greater capital investment, competitiveness and modernization, resulting in development of employment

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