Dissertations / Theses: 'Banking sector; System'

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Murrawat, Adnan, and Foroozan Nasershariati. "CRM system benefits : A case study of banking sector." Thesis, Mälardalens högskola, Akademin för hållbar samhälls- och teknikutveckling, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-13335.

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Seminar Date: 05-11-2011 Level: Master Thesis in Information Technology Management, 15ECTS Institution: School of Sustainable Development of Society and Technology, Malardalen University Authors: Adnan Murrawat Khan [amt1001] Foroozan Nasershariati [fni10002] Title: CRM system benefits, a case study of banking sector Supervisor: Dr Ole Liljefors Problem statement: Customer relationship management (CRM) systems have been adopted to have better relationships with customers by having detailed knowledge of their requirements through using different information technologies. Implementing CRM systems correctly can provide many of benefits both for the customers and to the business as well. Banks have large numbers of customers and to fulfill their customer requirements most banks have adopted CRM systems. This thesis tries to identify how CRM systems are helpful in the banking sector to get the benefits. Research Question: What are the benefits of implementing customer relationship management systems? Method: Research process used in this thesis is related to the realist approach . The study is structured by dividing the problem into different parts and then the relationship between them is analyzed. Both primary and secondary data collection have been used .The main method adopted to collect empirical data is open ended questionnaires. Secondary data have been collected by using the availability of Malardalen University online databases. Conclusion: Results showed that CRM system can provide a large benefit for a particular organization not only in attracting more and more customers but also in expanding business in related areas by successfully implementing CRM. To reap the benefits more care is required at the implementation stage and also by the realization of the fact that not all the benefits can be achieved at once. Keywords: CRM system, CRM successful implementation, CRM benefits, CRM customer benefits, CRM business benefits.

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Madani-Beyhurst, Shirin. "Essays on the banking sector of Luxembourg." Thesis, Strasbourg, 2017. http://www.theses.fr/2017STRAB003.

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Cette thèse étudie le secteur bancaire du Luxembourg sous trois angles différents. Elle apporte de nouveaux éléments de débat sur un secteur bancaire souvent commenté mais rarement étudié. En outre, dans chacun des trois chapitres, les impacts de la crise financière sont étudiés. Chapitre 1: Création de liquidité par les banques du Luxembourg. Ce chapitre évalue la quantité liquidité créée par les banques. Nous constatons que cette création a plus que doublé entre 1999 et 2011. Cependant, la liquidité créée a commencé à diminuer en 2009 et en 2011, elle n’était toujours pas revenu au niveau d'avant la crise. Chapitre 2: Le canal du crédit bancaire au Luxembourg. Nous trouvons un canal du crédit opérationnel qui fonctionne essentiellement via la capitalisation des banques sur base agrégée. Nous démontrons également que les banques ont préservé la disponibilité du crédit lors de la crise financière. Chapitre 3: Rentabilité bancaire au Luxembourg dans un environnement de taux bas. Nous constatons qu’à long terme, le niveau et la pente de la courbe des taux contribuent positivement à la rentabilité bancaire, par conséquent, que les taux d'intérêt actuellement bas ont un effet négatif sur la profitabilité des banques
This dissertation studies the banking sector of Luxembourg under three different angles. It therefore contributes to provide new evidence on an often commented but rarely investigated banking industry. Furthermore, in each of the three chapters, the impacts of the financial crisis are studied. Chapter 1: Bank liquidity creation in Luxembourg. This chapter assesses how much liquidity banks in Luxembourg have created. We find that liquidity creation has more than doubled between 1999 and 2011. However, the level of liquidity created started to decrease in 2009 and in 2011, was still not back to pre-crisis level. Chapter 2: The bank lending channel in Luxembourg. We find an operative bank lending channel in Luxembourg, which works through capitalization on an aggregated basis. Regarding the financial crisis, we underlined that banks preserved the availability of credit.Chapter 3: Bank profitability in Luxembourg in a low interest rate environment. We find that, in the long-run, the level and the slope of the yield curve contribute positively to bank profitability and hence that the current low interest rates have a negative effect on banks’ profits

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Intarachote, Thida. "Financial liberalisation in Thailand." Thesis, Bangor University, 2001. https://research.bangor.ac.uk/portal/en/theses/financial-liberalisation-in-thailand(a9cafc30-bd1a-4046-8642-c0f38cdbaa84).html.

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Financial liberalisation is the process of financial development that reduces the extent of government control over the financial industry. It is argued that a liberalised financial system is a fundamental prerequisite for more efficient allocation of savings and investment, which in turn leads to greater economic growth. Financial liberalisation includes the freeing up of interest rate controls, exchange and capital controls, entry of foreign banks, and the deregulation of banking sector. The latter process, which comprises the deregulation of bank structure and conduct rules and the concomitant reregulation of bank prudential supervision, is generally targetted to improve the efficiency and productivity of banks. On the other hand, financial liberalisation and basic deregulation have also (been) precursors to many banking and financial crises. This study examines the effects of deregulation on the Thai banking sector during 1990- 97 using a two-stage approach. In the first-stage analysis, the relative efficiencies and productivity of each bank in each year are measured using DEA techniques. In the second-stage, regression techniques are used to evaluate the impact of financial deregulation on efficiency and productivity, controlling for bank-specific attributes. The main findings regarding bank efficiency are that on average banks operating in Thailand hardly improved their technical, allocative and cost efficiencies, except in 1996 and 1997. Most banks were better at optimising their input mix than minimising their usage and costs of inputs. There was a clear association between size and cost efficiency for the domestic Thai banks, and on average their cost efficiencies were greater than those of the foreign bank branches, all other things being equal. However, the majority of the banks on the best-practice efficient frontier were foreign, and the smallest Thai banks were the least efficient of all the banks studied. The average productivity of foreign banks increased over the period studied, and this was mainly due to outward shifts of the production frontier each year (technological progress) rather than improvements in relative efficiency. The average productivity of domestic banks did not change over time, as technological progress was offset by moves away from the best-practice frontier. Overall, the evidence for the postulated beneficial effects of deregulation is somewhat mixed. Improvements in total factor productivity were driven by the huge expansion in lending made possible by the liberalisation, but these increases in productivity were mainly achieved by the foreign bank branches whose operations were supported by substantial amounts of financial capital from their parents. Productive efficiency of the domestic banks did improve over the period of study, but these improvements were greatest for the large and medium size banks, thus widening the gap between the most inefficient group of small Thai banks and the rest of the banking sector.

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Ngwenya, Bongani, and Khanyisa Malufu. "Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking." IJCSN, 2012. http://hdl.handle.net/10150/271474.

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Information systems concentrate data in computer files that have the potential to be accessed by large numbers of people in and outside of organisations. While security breaches and damages of information systems still come from organisational insiders, security breaches are increasing, especially in developing countries because organisations are now open to outsiders through the internet. As a result, automated data are more susceptible to error, destruction, fraud and misuse. The banking sector in Zimbabwe has introduced, of late, on-line banking facilities and these are heavily dependent on the use of internet.
The increase in computer crime has led to scepticism about the move made by the banks to introduce on-line banking. Some view this as a noble move which has made the banking system more efficient, reliable and secure, while others view it as a risky and insecure way of banking. The aim of this study was to assess whether on-line banking in the developing countries is secure or not. The researcher chose a descriptive-quantitative research design. Data was collected using a self constructed questionnaire. Convenience sampling and stratified random sampling techniques were used to select the main subjects of the study. Generally on average there was no significant difference between the perceptions of management bank personnel and non-management bank personnel on the security of on-line banking. The study recommends further future studies on the security of on-line banking in developing countries based on the perceptions of the customers themselves, who are using on-line banking services, the Common Criteria for Information Technology Security and also a study of the latent dimensions of on-line banking security as extracted by factor analysis, how they differ from elements of information security as derived from the theoretical framework and literature.

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Arbussà, i. Reixach Anna. "The effects of information and communication technologies on the banking sector and the payments system." Doctoral thesis, Universitat de Girona, 2001. http://hdl.handle.net/10803/7696.

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This dissertation studies the effects of Information and Communication Technologies (ICT) on the banking sector and the payments system. It provides insight into how technology-induced changes occur, by exploring both the nature and scope of main technology innovations and evidencing their economic implications for banks and payment systems. Some parts in the dissertation are descriptive. They summarise the main technological developments in the field of finance and link them to economic policies. These parts are complemented with sections of the study that focus on assessing the extent of technology application to banking and payment activities. Finally, it includes also some work which borrows from the economic literature on banking. The need for an interdisciplinary approach arises from the complexity of the topic and the rapid path of change to which it is subject.
The first chapter provides an overview of the influence of developments in ICT on the evolution of financial services and international capital flows. We include main indicators and discuss innovation in the financial sector, exchange rates and international capital flows. The chapter concludes with impact analysis and policy options regarding the international financial architecture, some monetary policy issues and the role of international institutions.
The second chapter is a technology assessment study that focuses on the relationship between technology and money. The application of technology to payments systems is transforming the way we use money and, in some instances, is blurring the definition of what constitutes money. This chapter surveys the developments in electronic forms of payment and their relationship to the banking system. It also analyses the challenges posed by electronic money for regulators and policy makers, and in particular the opportunities created by two simultaneous processes: the Economic and Monetary Union and the increasing use of electronic payment instruments.
The third chapter deals with the implications of developments in ICT on relationship banking. The financial intermediation literature explains relationship banking as a type of financial intermediation characterised by proprietary information and multiple interactions with customers. This form of banking is important for the financing of small and medium-sized enterprises. We discuss the effects of ICT on the banking sector as a whole and then apply these developments to the case of relationship banking.
The fourth chapter is an empirical study of the effects of technology on the banking business, using a sample of data from the Spanish banking industry. The design of the study is based on some of the events described in the previous chapters, and also draws from the economic literature on banking. The study shows that developments in information management have differential effects on wholesale and retail banking activities.
Finally, the last chapter is a technology assessment study on electronic payments systems in Spain and the European Union. It contains an analysis of existing payment systems and ongoing or planned initiatives in Spain. It forms part of a broader project comprising a series of country-specific analyses covering ten European countries. The main issues raised across the countries serve as the starting point to discuss implications of the development of electronic money for regulation and policies, and in particular, for monetary-policy making.

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Costa, Carlota. "How do banks choose a certain costing system and why." Master's thesis, NSBE - UNL, 2013. http://hdl.handle.net/10362/9796.

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A Work Project, presented as part of the requirements for the Award of a Masters Degree in Management from the NOVA – School of Business and Economics
This work project has the purpose of examining how banks choose a certain costing system and why. A survey addressed to all banks operating in Portugal was used to identify which organizational, contextual and cultural factors influence the banks’ decision to adopt a specific costing system. The importance of cost control, cost information and top management support, which are omitted factors from other studies, as well as nationality and cost structure were found to be statistically significant. No association was detected between the decision of adopting a costing system and the factors product diversity/complexity, level of competition, size of the bank and business segment.

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Seabra, Maria Teresa Domingos. "A eficiência e desenvolvimento do sistema financeiro angolano : sector bancário." Master's thesis, Instituto Superior de Economia e Gestão, 2011. http://hdl.handle.net/10400.5/3765.

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Mestrado em Finanças
O presente trabalho consiste na análise da Eficiência e Desenvolvimento do Sistema Financeiro Angolano - Sector Bancário num período de seis anos (2005 a 2010). O Sistema Bancário Angolano, teve um grande crescimento nos últimos dez anos, em termos de desempenho financeiro e de números de instituições bancárias, assim como a obtenção dos objectivos económicos que pautam os gestores das organizações. Com a globalização e o aumento da concorrência dos mercados, a preocupação dos gestores aumenta, obrigando-os a identificar e implementar políticas que permitam uma maior eficiência e solidez no sistema financeiro. Mediante a aplicação da Análise Envoltória de Dados (DEA), através de dados extraídos nos Relatórios e Contas dos Bancos, Relatórios do BNA e Deloitte, procurou-se identificar o crescimento da produtividade dos Bancos ao longo do período em análise (2005 a 2010), utilizando o Método de Malmquist-DEA de forma a complementar a análise dos dados. A análise efectuada às instituições financeiras no período em referência, de acordo com os resultados apresentados pelo modelo não-paramêtrico DEA, teve como objectivo observar e identificar as unidades consideradas eficientes e as não eficientes, de forma a melhorar o seu desempenho.
This work consists in analyzing the Efficiency and the Development of the Financial System in Angola - Based, specifically, on the analysis of the Banking System in a period of six years (2005 to 2010). The banking system has greatly increased over the past ten years, in terms of financial performance and number of banking institutions, as well as the achievement of economic goals that guide the management of organizations. With globalization and increased market competition, the concern of managers is also increasing forcing them to identify and implement policies that enable greater efficiency and the soundness in the financial system. Through the application of Data Envelopment Analysis (DEA)-using data extracted from Banks Annual Reports, BNA Reports and Deloitte-, it was intended the identification of the productivity growth of banks over the period under review (2005-2010) using the Malmquist-DEA method to complement the data analysis. The analysis of financial institutions in this period, according to the results presented by non-parametric DEA model, aimed to observe and identify units considered to be efficient and not efficient, to improve its performance.

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Shrafat, Fayiz Dahash. "Understanding the pre-evaluation process of information system investment : a case of the Jordanian banking sector." Thesis, University of Salford, 2011. http://usir.salford.ac.uk/26911/.

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The general purpose of this research is to close a gap in knowledge by generating new knowledge and understanding of the pre-evaluation structures, procedures and practices adopted by a large Jordanian bank in justifying information system (IS) investment projects, since limited attention has been given to this topic, particularly in the Jordanian banking sector (JBS). It investigates the organisational context and its influence on the process of IS investment pre-evaluation within the JBS. It also seeks to determine the level of formality of the evaluation techniques used. The study extends the existing knowledge in IS evaluation research by drawing on the interpretive case study approach and actor-network theory (ANT) combined with content, context, process framework (CCP) also known as interpretive contextualism to trace pre-evaluation practices in order to understand how IS proposals are developed and assessed in Jordan, a developing country. It makes important contributions to knowledge in the IS discipline, by applying existing theories to theorise IS pre- evaluation in a more novel and sophisticated way than before, by providing rich insight and by drawing specific implications. In combining ANT with CCP, the study offers a novel theorisation of pre-evaluation practices. For this reason, it is argued that ANT can be extended with CCP to offer explanations for contextual factors that are beyond the scope of an actor network. The findings show that there are important contextual factors in all development and implementation activities that affect or frame the evaluation process. IS proposals come into being and are made to work because of their characteristics, such as being dynamic and relational. The IS proposal has thus been re-conceptualised to represent the vision of future business activities and its functions associated with the IS in question. The study also finds that more flexibility in pre-evaluation methodology would be preferable, as it would allow the innovative capacity of the actors to play a significant role in articulating the future of these practices in banking. Among other recommendations, the study calls for research into evaluation throughout the IS lifecycle.

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Blum, David, Klaus Federmair, Gerhard Fink, and Peter Haiss. "The Financial-Real Sector Nexus. Theory and Empirical Evidence." Forschungsinstitut für Europafragen, WU Vienna University of Economics and Business, 2002. http://epub.wu.ac.at/196/1/document.pdf.

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Without doubt a well-developed financial sector is related to efficient resource allocation and growth, but there is modest consensus on the direction of that link, on the notion of what is meant by "well developed", on which subset of the financial market is crucial and thus which organisational set-up provides optimal returns for both architects and market participants alike. With sluggish growth, torn down market barriers and systemic change in the EU accession countries the direction, magnitude, sustainability, institutional set-up of the finance-growth nexus (and which), becomes one of the core issues of both macroeconomic theory and practice. This paper reviews the economic theory available, provides a well structured overview of 54 empirical studies conducted since 1964, sets the stage for constructing a data base encompassing the major three segments of financial markets (stock, bond and bank credit) and provides the methodological background for combining cross-country production function and time-series approaches in order to answer the following questions: (1) What is the direction of the finance-growth nexus, (2) which segment of the financial sector drives whatever nexus there is, and (3) what are the features of a growth supportive financial architecture.
Series: EI Working Papers / Europainstitut

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Torcato, Filipa da Costa Leal Estêvão. "Estudo da evolução das reclamações do sistema financeiro entre 2006 e 2010." Master's thesis, Instituto Superior de Economia e Gestão, 2012. http://hdl.handle.net/10400.5/10856.

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Mestrado em Contabilidade, Fiscalidade e Finanças Empresariais
O presente trabalho foi realizado com o intuito de analisar a evolução do número de reclamações no Sistema Financeiro, em especial, no sector bancário. Visto que o Sistema Financeiro exerce um papel fundamental para o desenvolvimento económico de qualquer país e que o sector dos serviços financeiros é um dos que gera maior número de reclamações em Portugal. Para esta abordagem, foram utilizados dados obtidos a partir dos relatórios dos reguladores (Banco de Portugal, CMVM e ISP) do referido sector. O estudo desenvolvido permitiu estabelecer as tendências da evolução do número de reclamações, de 2006 a 2010.
This research was conducted with the aim of analyse the evolution of the complaints number in the financial system, particularly in the banking sector. Since the financial system plays a key role in the economic development of any country and the financial services sector creates one of the largest number of complaints in Portugal. For this approach, data were gathered from the regulators reports of this sector (Bank of Portugal, CMVM and ISP). The developed study allowed establishing the trends of the evolution of the complaints number, from 2006 to 2010.

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Binjabi, Hayam. "Exploration of the impact of institutional factors on actors in the implementation of effective high performance work system." Thesis, Brunel University, 2014. http://bura.brunel.ac.uk/handle/2438/13869.

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The current volume of research in the field of High Performance Work Systems (HPWS) is focused on identifying the factors, which influence their effectiveness. The realisation that there is a need to move forwards from the structural aspects of HPWS towards understanding their implementation has led to two new sectors of research. The first sector is investigating the role of actors in implementation using aspects such as cross functionality, shared responsibility and interaction. Another sector is investigating the impact of contextual factors on the implementation of HPWS. This research has combined the two sectors and looks at the implementation of HPWS from the perspectives of both the actors and the environment. This research investigates how the interaction between actors affects the implementation of HPWS. Also how internal and external institutional factors affect this interaction as well as the implementation. This research is qualitatively based on an interpretivist paradigm. Case study research design was used to conduct the research. Two Saudi Arabian banks were selected as case studies. Data was collected using 54 semi-structured interviews and 61 focus group interviews. Data about implementation and the impact of institutional factors was obtained through semi-structured interviews with human resource managers, line managers and senior managers. Data about employee outcomes was obtained using focus group interviews with the employees. This research finds evidence of conflict between the intended and actual outcomes of HPWS in the Saudi banking sector due to institutional pressures. This research contributes and extends the growing body of research on HPWS implementation by including the interaction of actors and accounting for institutional pressures. The finding highlights that the combination of these two factors are contextual institutional conductors and contribute to diversity in the implementation of HPWS practices. The managerial benefit of this research is that its model can help practitioners to improve their social interaction conditions for better performance.

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Zdeněk, Jiří. "Finanční systém Španělska." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-142096.

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In the first chapter of my thesis titled "The Spanish Financial System", I introduce a concept of a financial system in general and a historical development of the Spanish financial system including legislation from the beginning of the 20th century till today. The second part describes a current structure of the Spanish financial system and component entities operating within its framework structured from a point of supervising institutions. The last and crucial chapter is focused on reforms of the Spanish banking sector which have got no parallel in a modern history of the country. Restructuring and consolidation of the banking sector have been primarily carried out by mergers of traditional savings banks which became vulnerable during a period of an international liquidity crisis and an excessive exposure to the construction industry and real estate developments. I explain reasons for reforms, their starting points, progresses and difficulties during the restructuring processes. In conclusion I assess their results and impacts not only on credit institutions but the whole society as well.

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AraÃjo, Maria AntÃnia do Socorro Rabelo. "Analysis of the management of people in the process of outsourcing of core activities in the financial sector in CearÃ." Universidade Federal do CearÃ, 2005. http://www.teses.ufc.br/tde_busca/arquivo.php?codArquivo=3636.

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The present study aims to verify how outsourced (contracted) sale teams are managed by commercial banks which operate in credit on consignation competitive business in Ceara State, in order to assure a continuous, qualified and increasing business tide. First, were done teorethical approaches as âthirdâ and âfourthâ outsourcing, strategic administration, human capital management, financial market and credit on consignation negotiation. After bibliographical review, an exploratory and descriptive field research was done with commercial banks placed in Ceara which operate with lending on consignation product. Were administered four semi-structured quetionnaires to banks managers, banks correspondents, internal collaborators and collectors. After, collected iformations were tabulated and received qualitative and quantitative treatment, detecting that the outsourcing of selling activities by banks are motivated by margin, funding, decentralization of sale points and by operational simplicity, as well as was identified as a disadvantage of this outsourcing process the low managing and technical capacity of its correspondent (contracted).This operational simplicity setting, as well as low managing and technical capacity, roughly contribute towards the fragility of staff employee in third and fourth outsourcing sales team management techniques by contracted companies. We believe that the lack of human resources management practices within outsourcing work endangers strategic results of action of both companies involved on this process.
O presente trabalho objetiva verificar como as equipes de vendas terceirizadas (contratadas) sÃo geridas por bancos comerciais que operam no competitivo mercado de crÃdito consignado no Estado do CearÃ para garantir um fluxo contÃnuo, qualificado e crescente de negÃcios. Primeiramente, foram feitas abordagens teÃricas tais como: terceirizaÃÃo; quarteirizaÃÃo; administraÃÃo estratÃgica; gestÃo do capital humano; mercado financeiro e o negÃcio crÃdito em consignaÃÃo. ApÃs a revisÃo bibliogrÃfica, realizou-se uma pesquisa exploratÃria, descritiva e de campo junto a bancos comerciais instalados no CearÃ e operando com o produto emprÃstimo consignado, para a aplicaÃÃo de quatro questionÃrios semi-estruturados junto aos gestores dos bancos, correspondentes bancÃrios, colaboradores internos e angariadores. Em seguida, as informaÃÃes coletadas foram tabuladas e tratadas quantitativa e qualitativamente, constatando que a terceirizaÃÃo das atividades fins de vendas pelos bancos sÃo motivadas pela margem, funding, descentralizaÃÃo de pontos de vendas e pela simplicidade operacional, como tambÃm. Identificou-se como desvantagem desse processo de terceirizaÃÃo a baixa capacitaÃÃo gerencial e tÃcnica do correspondente (contratado). Esse cenÃrio de simplicidade operacional e baixa capacitaÃÃo gerencial e tÃcnica da gestÃo contribuem fortemente para a fragilidade das tÃcnicas da gestÃo de pessoal empregadas nas equipes de vendas terceirizadas e âquarteirizadasâ, pelas empresas contratadas. Acredita-se que a ausÃncia das prÃticas da gestÃo de recursos humanos no trabalho terceirizado compromete resultados estratÃgicos de atuaÃÃo das duas empresas envolvidas nesse processo.

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Pernikl, Michal. "Implementace CRM v bankovním sektoru." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-165069.

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This diploma thesis is concerned with the information systems used to support customer relationship management in organizations. The issue of CRM systems is discussed in this thesis in terms of their implementation and focusing on the banking sector. The aim of this work is to design the physical procedure of implementation of the CRM system in the banking sector, which will provide guidance, whose purpose will be to provide advice and highlighting the critical success factors in each phase of the project. The created instructions disposing fairly detailed description of each phase of the project will be very beneficial especially for banking institutions, which will be avoided well-known problems in the course of the project , and lead the CRM system implementation project to a successful conclusion. In the theoretical part the work user will be familiar with the theoretical concept of CRM and subsequently in detail with its sub-areas. Great emphasis is placed in this section in particular CRM processes. Subsequently, there will be presented the CRM systems itself, the basic distribution, functionality and, ultimately, their integration into the IS / ICT architecture of the organization. At the end of the theoretical part, the identification of the specific needs of the CRM system in terms of the banking sector will be performed. Practical work has been devoted to the implementation of the CRM system in the banking sector. In the introduction to this part the access to the draft proposal of the progress of implementation of CRM in banking sector is presented to the work user and consequently it is more generally introduced in the proposal itself. In order to thus created proposal considered is correct, this proposal was needed to confront the real CRM implementation projects in the real banking institution. Therefore, there is introduced a banking institution whose project of implementation of the CRM system will be compared with the designed physical procedure of implementation of the CRM system in other work parts. The conclusion then proceeded to a detailed presentation of the designed procedure and its confrontation with the real CRM implementation project in the banking sector.

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Al-Faidi, Al-Juhani Mohammed H. "Strategic Information Systems Planning (SISP) in the banking sector: An Investigation of Strategic Information Systems Planning (SISP) in the Saudi Banking Sector." Thesis, University of Bradford, 2011. http://hdl.handle.net/10454/17372.

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The improvement of SISP practices has rapidly become one of the most critical issues facing many organisations, including banks. Globally, the banking sectors, including the Saudi one, have developed and implemented many IS strategies. Several systems have been executed to support the countries’ economies which have benefited from the increased trading resulting from the greater flexibility in time and costs associated with banking transactions. To continue these achievements and to improve SISP processes, several factors require careful investigation based on their relationship to SISP success; which include SISP objectives, SISP internal factors, external consultant functions, SISP external factors, measurements of SISP success, key stakeholders’ roles, and triggers. Therefore this study investigates the impact of these factors on SISP success. Data were collected in three phases. Phase 1 was an initial study with one or two interviews with the IT directors of each bank in the Saudi banking sector comprising the central bank and 11 commercial banks. The outcomes informed the development of a survey that was used in Phase 2; to investigate a sample containing a central bank, a domestic commercial bank and a domestic-foreign commercial bank to determine their SISP processes. 157 completed questionnaires were returned from the bank executives, business and IT directors and consultants. In Phase 3, 57 interviews confirmed and explained the quantitative results from Phase 2. Therefore, an in-depth case study was made in the three banks during Phases 2 and 3. The research results support previous findings on the SISP’s seventeen objectives collected by several researchers across different industries and in various countries. Furthermore, the research condenses these seventeen objectives into five more practical and achievable objectives for the banking sector. These are: 1) planning and deployment of information systems; 2) leading organisation changes; 3) improving stakeholders’ involvement and communication; 4) achieving the strategic priorities; and 5) alignment of organisational policies and architecture for business and IS. In addition, the findings identify the factors according to their relationship with SISP success and therefore explore several elements with positive, negative or no impact on SISP success in the banking sector. The thesis presents conclusions and suggests areas for further research.

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Nasution, Muhamad Faisal Fariduddin Attar. "Institutionalization of Information Security: Case of the Indonesian Banking Sector." VCU Scholars Compass, 2012. http://scholarscompass.vcu.edu/etd/2825.

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This study focuses on the institutionalization of information security in the banking sector. This study is important to pursue since it explicates the internalization of information security governance and practices and how such internalization develops an organizational resistance towards security breach. The study argues that information security governance and practices become institutionalized through social integration of routines and system integration of relevant technologies. The objective is to develop an understanding of how information security governance and practices in the Indonesian banking sector become institutionalized. Such objective is built on an argument that information security governance and practices become institutionalized through social integration of routines and system integration of relevant technologies. Pursuing this study is necessary to conceptualize the incorporation of security governance and practices as routines, the impact of security breaches on such routines, and the effects of a central governing body on such routines altogether. Accordingly, the concept of institutionalization is developed using Barley and Tolbert’s (1997) combination of institutional theory and structuration theory to explain the internalization of security governance and practices at an organizational level. Scott’s (2008) multilevel institutional processes based on institutional theory is needed to elaborate security governance and practices in an organization-to-organization context. The research design incorporates the interpretive case-study method to capture communicative interactions among respondents. Doing so provides answers to the following research questions: (1) how institutions internalize information security governance and practices, (2) how an external governing body affects the institutionalization of information security governance and practices in institutions, and (3) how security breaches re-institutionalize information security governance and practices in institutions. Several important findings include the habitualized security routines, information stewardship, and institutional relationship in information-security context. This study provides contributions to the body of literature, such as depicting how information security becomes internalized in an organization and the interaction among organizations engaged in implementing information security.

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Boyraz, Mustafa Fatih. "An Empirical Study On Early Warning Systems For Banking Sector." Master's thesis, METU, 2012. http://etd.lib.metu.edu.tr/upload/12614265/index.pdf.

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Early Warning Systems (EWSs) for banking sectors are used to measure occurrence risks of banking crises, generally observed with a rundown of bank deposits and widespread failures of financial institutions. In countries with a small number of banks, for example Turkey with 48 banks (BDDK, 2011), every bank may be considered to have a systematic importance since the failure of any individual bank may carry a potential threat to lead to a banking crisis. Taking into account this fact the present study focuses on EWSs in Turkey. Since there is no single correct EWS to apply to all cases, in this study, 300 models were constructed and tested to find models as accurate as possible by using a trial-and-error process and by searching optimal feature subset or classifier methods. Empirical results indicate that prediction accuracy did not increase significantly while we got closer to the actual occurrence of bankruptcy. An important finding of the study was that trends of financial ratios were very useful in the prediction of bank failures. Instead of failures as a result of instant shocks, the banks'
failures followed through a path: first a downward movement affected the efficiency of the banks'
officers and the quality of management structure measured with "
Activity Ratios"
, then the profitability of the banks measured with "
Profit Ratios"
declined. At last, the performance and the stability of banks'
earnings stream measured with "
Income-Expenditure Structure Ratios"
and the level and quality of the banks'
capital base, the end line of defense, measured with "
Capital Ratios"
. At the end of study, we proposed an ensemble model which produced probability ratios for the success rates of the banks. The proposed model achieved a very high success rate for the banks we considered.

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Toubal, Michael, and Cédric Dilé. "Blockhain Technology in The Banking Sector : Applications and Challenges." Thesis, Uppsala universitet, Informationssystem, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-446348.

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This paper researches blockchain technology applications for the banking sector and the challenges facing the adoption of the technology. Interviews were conducted with professionals with knowledge and experience about this topic. The results of the interviews were then compared with the research literature in order to gain a deeper understanding of blockchain technology in the banking sector. Some potential applications of blockchain technology for banks are clearing and settlement and anti money-laundering activities. One of the biggest challenges found is the lack of regulation regarding this technology and issues with scalability.

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Anya, Adamu Godwin. "Management control systems design under mergers : evidence from the Nigerian banking sector." Thesis, University of Birmingham, 2015. http://etheses.bham.ac.uk//id/eprint/6219/.

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This thesis is based on a case study of the design and use of management control systems (MCS) in a post-merger organisation. The study, which is motivated by the lack of literature on management control systems under mergers and acquisitions, is based on a Nigerian bank that has gone through a merger under the Central Bank of Nigeria’s (CBN) directives to consolidate the banking sector. Data for the analysis was gathered from two sources. Firstly, semi-structured interviews were conducted with managers at various levels of the bank. Secondly, various internal and external documents were examined to corroborate the findings from the interviews. Theoretically speaking, the study drew on different strands of institutional theory to provide an understanding and interpretation of the results. First, new institutional sociology (NIS) provided an explanation of the impacts of external institutions on the merger as well as the design and use of post-merger controls. Old institutional economics (OIE) and power framework were also drawn on to explain the impact of internal institutions and power relations on the merger and the design and use of post-merger controls. The study found evidence of how various coercive, mimetic, and normative isomorphic forces as well as intra-organisational power relations contributed to the institutionalisation of controls as rules and routines in the post-merger organisation. The study contributes to knowledge by extending our understanding of the management controls literature on mergers and acquisitions.

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Srour, Zainab. "Modeling and Analyzing Systemic Risk in European Banking Sector." Thesis, Rennes 1, 2019. http://www.theses.fr/2019REN1G007.

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Cette thèse examine le sujet du risque systémique dans trois cadres empiriques différents. A part de citer la liste des travaux existants liés au risque systémique dans le premier chapitre, nous examinons l'impact de deux facteurs de prise de risque sur le niveau de risque systémique des banques européennes. Le deuxième chapitre étudie l'impact de la structure de propriété sur la contribution du risque systémique de 79 banques dans 16 pays Européens sur la période 2004-2016. Les résultats montrent qu’une concentration plus élevée de la propriété est associée à une plus hausse contribution du risque systémique des banques. De plus, nous avons constaté que la contribution des banques au risque systémique était encore plus forte pour les banques où les investisseurs institutionnels et les États étaient les principaux actionnaires majoritaires. Nous allons plus loin et étudions l’effet des variables réglementaires sur la relation entre le risque systémique et la structure de propriété. Nous constatons que la concentration de la propriété accroît la contribution du risque systémique des banques dans les pays où la garantie des dépôts est élevée, où les fonds propres sont moins exigeants et où la diversification des actifs est plus grande. Le troisième chapitre explore l’effet d’une autre incitation à la prise de risque, la création de liquidités, sur l’exposition et la contribution des banques au risque systémique. Nous utilisons le même échantillon composé de 79 banques européennes au cours de la période 2004-2016. Les conclusions soulignent que, en temps normal, l'exposition au risque systémique des banques est aggravée par une forte création de liquidités. De plus, nous montrons que, en période de crise, une forte création de liquidité affecte négativement non seulement l’exposition des banques au risque systémique, mais également leur contribution. Le chapitre quatre examine une autre facette du risque systémique. En utilisant un échantillon de 134 banques dans 16 pays européens pendant la période 2002-2016, nous avons construit trois méthodes de prévision pour prédire la contribution et l’exposition des banques au risque systémique. Nous utilisons un réseau neurone artificiel, support vecteur machine et la spécification generalized autoregressive conditional heteroskedasticity. Nos résultats montrent que les réseaux de neurones artificiels à deux couches cachées surpassent les autres modèles en ce qui concerne la prévision du risque systémique
This dissertation investigates the systemic risk subject in three different empirical frameworks. Besides listing the existing works related to the systemic risk in the first chapter, we examine the impact of two risk-taking factors in affecting the systemic risk level of European banks. The second chapter investigates the impact of the ownership structure on systemic risk contribution of 79 banks in 16 western European countries during the 2004-2016 period. The results show that higher ownership concentration is associated with greater banks’ systemic risk contribution. Moreover, we found that banks’ systemic risk contribution is even stronger for banks where institutional investors and States are the largest controlling owners. We go deeper and investigate the effect of regulatory variables on the relationship between systemic risk and ownership structure. We find that higher ownership concentration increased banks’ systemic risk contribution in countries with high deposit insurance, lower capital stringency and higher asset diversification. The third chapter explores the effect of another risk-taking incentive, the liquidity creation, on banks systemic risk contribution end exposure. We use the same sample consisting of 79 European banks during the 2004-2016 period. The findings emphasize that during normal time, systemic risk exposure of banks are exacerbated by high liquidity creation. Moreover we show that, during distress times, high liquidity creation affects negatively not only banks exposure to systemic risk but also their contribution. Chapter four investigates a different facet of the systemic risk. Using a sample of 134 banks in 16 European countries ranging from 2002 to 2016, we construct three forecasting methods to predict systemic risk contribution and exposure values. We use artificial neural network, support vector machine and generalised autoregressive conditional heteroskedasticity specification. Our results show that two hidden layers artificial neural networks outperform other models in effectively predicting systemic risk

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Wasike, Sylvia Nasambu. "Analysis Of ICT Policies And Regulations In The Mobile Sector In Kenya : Interpretive Study Of Mobile banking Service." Thesis, Norges teknisk-naturvitenskapelige universitet, Institutt for datateknikk og informasjonsvitenskap, 2011. http://urn.kb.se/resolve?urn=urn:nbn:no:ntnu:diva-14144.

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Alot of research has been done on the rise of m-banking service in Kenya and most notably by Olga in her PHD theses and others and they all have research on how thriving the service is majorly attributed to the adoption and acceptance of the service through ease of use e.t.c.It can be noted that any service like such require ICT in place.Through use of ICT innovation in the mobile industry has grown especially with use of mobile phone to offer financial services in Kenya. Even though Kenya as a country is still lagging behind in other areas with growth and expansion of ICT when it comes to the mobile industry this is different and it is seen as a major leap to offering banking services without necessarily going to the bank. Understanding how the m-banking service is thriving and growing is far from just mere adoption and ease of use, with my thesis i try to analyze the challenges and opportunities that exist for the mobile industry in Kenya. I tackle m-banking service in particular and as can be noted no service can be allowed to operate without rules and regulations and as such what makes this service thrive if not the ICT policies in place and what strategies and practices employed by the mobile operators have worked for them.The research presented here is an interpretative study of the 4 mobile operators in Kenya.To maintain the subscribers the operators have to be innovative enough to create value added services in line with the regulations in place.

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Al-Mamari, Salim Hilal. "Adoption of information systems in the Omani organisations : case of CRM in the banking sector." Thesis, University of Sheffield, 2010. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.531191.

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Michel, Sylvie. "Contribution à l’évaluation du système d’information bancaire." Thesis, Bordeaux 4, 2011. http://www.theses.fr/2011BOR40047/document.

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Ce travail de recherche porte sur l’évaluation du système d’information (SI) bancaire de front-office. Àtravers un cadre d’analyse sociotechnique, nous avons cherché à identifier les variables et leurs liens àprendre en compte pour évaluer le succès perçu du SI auprès des utilisateurs. La proposition centrale est quele succès perçu du SI bancaire de front-office dépend à la fois de caractéristiques techniques et sociales.Aussi, les spécificités du monde bancaire, l’évolution de l’environnement aussi bien réglementaire queconcurrentiel, nous ont convaincus de la nécessité d’une évaluation appropriée au domaine bancaire. C’estpourquoi ce travail de recherche est composé d’une part d’une approche qualitative exploratoire afind’identifier les variables spécifiques au domaine bancaire, et d’autre part d’une démarche quantitative denature hypothético-déductive.Au final, on propose un modèle composé de huit variables (les qualités de la formation, du système, duservice, de l’information, l’utilisation, la satisfaction, le soutien des managers intermédiaires, les bénéficesnets) expliquant le chemin menant au succès du SI bancaire. L’influence de la participation des utilisateurs àune phase de projet concernant le SI, ainsi que celle des caractéristiques sociodémographiques desrépondants ont été analysées.Ce modèle constitue à la fois un apport théorique, mais aussi managérial puisque les banques disposentmaintenant d’un instrument leur permettant de mesurer le succès de leur SI.Ce travail souligne l’importance de certaines variables, et met en évidence des liaisons spécifiques audomaine bancaire
This research focuses on evaluating the banks’ front office information system (IS). By using asociotechnical analysis frame, we wished to identify the variables and the links that have to be taken intoaccount in order to evaluate the perceived IS success among users. The main proposal is that this perceivedsuccess depends on characteristics which are both technical and social ones. At the same time, we wereconvinced by the bank specificities, rules and competition evolution, that an evaluation, peculiar to the fieldof the banks, is necessary. This is why this research uses at the same time a qualitative approach, to identifythe specific variables in the bank world, and a quantitative approach based on hypothesis and deduction.We finally propose a model showing eight variables (the qualities of the training, the system, the service, theinformation, the use, the satisfaction, the middle managers’ support, the net profit) which enlight the wayleading to the success of bank IS. Both users’ participation to a IS step of a project and the surveyed people’ssociodemographic characteristics were analysed. This model both provides a theoretical and managerialaspect, since the banks now have a tool measuring the success of their Information System. This workemphasizes the weight of some variables and highlights some links specific to the banks field

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Alsindi, Tariq. "Investigation into the success of information systems development in the banking sector in the Kingdom of Bahrain." Thesis, University of East Anglia, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.273294.

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25

Esteves, Rita Sofia Santos. "Lean Banking : estudo de caso na empresa BNP Paribas." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19983.

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Mestrado em Gestão e Estratégia Industrial
Devido à crise existente no setor bancário verificado nos últimos anos, as instituições bancários tiveram de recorrer a novos sistemas de gestão e controlo das operações de maneira a reduzir desperdícios e conseguir manter a sua oferta de serviços com uma elevada qualidade, assumindo vantagem competitiva. Os conceitos lean services e lean banking são assim utlizados neste setor de serviços como resposta à situação atual do mercado bancário com o intuito de desenvolver um ambiente mais produtivo, que através do envolvimento de todos torna possível otimizar processos, reduzir desperdícios e aumentar a qualidade do produto final. Consequentemente, possibilita-se a redução de custos e o aumento da satisfação e confiança dos clientes. Tem como objetivo estudar os conceitos lean services aplicados a uma instituição bancária e expor as adaptações realizadas aos seus conceitos para a sua utilização como lean banking. Ao longo do presente trabalho foi realizada uma revisão sobre o estado de conhecimento da filosofia lean production e lean banking, designadamente os seus princípios, conceitos e ferramentas, desde a sua adoção na indústria automóvel até à atualidade. Foi posteriormente realizado um caso de estudo num departamento específico do BNP Paribas Portugal, onde foram implementados os conceitos lean, analisados os resultados obtidos e feita a proposta de melhoria com base nos mesmos, retirando conclusões sobre as vantagens da sua utilização.
Due to the crisis in the banking sector in recent years, banking institutions have had to resort to new systems of management and control of operations in order to reduce waste and manage to maintain their offer of services with a high quality, assuming a competitive advantage. The lean services and lean banking concepts are thus used in this service sector as a response to the current situation of the banking market in order to develop a more productive environment, which, through the involvement of all, makes it possible to optimize processes, reduce waste and increase the quality of the final product. As a result, costs can be reduced and customer satisfaction and confidence increased. Its objective is to study the lean services concepts applied to a banking institution and expose the adaptations made to its concepts for their use as lean banking. Throughout this work, a review was carried out on the state of knowledge of lean production and lean banking philosophy, namely its principles, concepts and tools, from its adoption in the automotive industry to the present day. A case study was subsequently carried out in a specific department of BNP Paribas Portugal, where the lean concepts were implemented, the results obtained were analyzed and a proposal for improvement was made based on them, drawing conclusions about the advantages of their use.
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De, Villiers Casper. "A case study to examine the use of SMS-based transactional alerts in the banking sector in South Africa." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/962.

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Thesis (MBA (Business Management))--University of Stellenbosch, 2010.
ENGLISH ABSTRACT: The mobile phone has not only changed the way the world works today, but also changed the direction the world is moving toward. The mobile phone changed the face of communication and enabled more people to reach more other people than ever before. The big four banks in South Africa represent 83.5 per cent of the total asset value of all banks in South Africa. Traditionally, banking customers (or potential customers) could be reached through the current 2 786 branches, 19 451 ATMs and potentially 4.59 million internet users. There are 47.9 million mobile phone subscribers in South Africa – increasing the number of potential contact points by order of magnitude. The possibilities for banks utilising the mobile phone are endless, however online banking and offering banking services through a mobile phone is increasingly more subject to fraud attacks. Online banking and credit card fraud is still on the increase. Today, SMS is used to alert customer of movements on their bank account. This keeps the customer informed and enables them to notify their banks and prevent subsequent fraudulent transactions. SMS can be sent from one mobile phone to another (P2P) or from a computer system to a mobile phone (A2P). In 2007, 2 trillion SMS's were sent worldwide and was responsible for 75 to 80 per cent of all mobile phone revenues. South Africa sent 34 billion A2P SMS in 2009 of which 29 per cent were sent as transactional SMS by the top three banks in South Africa. SMS-based transactional alerts are SMS sent each time a change occurs in a bank account, for example, when your credit card is used then you will get an SMS on your mobile phone. Each bank makes different functionalities available. Absa reported 2 million customers receiving SMS alerts in 2008. FNB reported 67 million transactional SMS per month in 2009. The core advantages for using transactional SMS are the cost, reliability and ubiquity. Research was conducted among five of the six largest banks. Data revealed that banks send between 16 million and 69.4 million SMS per month and have approximately between 4.5 and 5.1 million customers using this service. The impact was tested through personal interviews. The two common factors were fraud reduction and customer retention. The two key challenges the banks identified are: i) Capacity/throughput with the mobile network operators; and ii) Getting internal systems and processes defined and working together for the alerts. The advantages identified are competitive positioning, customer interaction, empowerment of people and revenue. Key findings of the research were: SMS-based transactional alerts offer strategic importance; Any system is as good as it is being utilised; Security controls are extremely complex; SMS capacity is a common challenge and big risk; Internal processes cause the most complexity; Return on investment is not adequately measured; Transactional alerts is a potential revenue stream; There is no interaction between the bank and the customer; SMS in South Africa create high dependencies; SMS-based transactional alerts are successful.

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Viveiros, Beatriz Figueira Ferraz. "Overview of systemic risk applied in the case of Portugal." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19713.

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Mestrado em Mathematical Finance
O objetivo desta dissertação é explicar as implicações do risco sistémico em Portugal, especificamente, o impacto da falência de uma instituição financeira na economia portuguesa. Apesar do risco sistémico existir antes da crise financeira global, os efeitos negativos que se fizeram sentir durante a recente crise aumentaram o interesse dos estudiosos. Na recente década foram levantadas questões no que toca à estabilidade dos sistemas financeiros nacional e internacional. Esta preocupação resultou the atual crise financeira mundial. Com este trabalho, pretendo salientar os efeitos do risco sistémico nos diferentes sectores da economia. Para este fim, foram utilizadas modelos de regressões autoregressivas. Os resultados mostram uma relação positiva entre os preços das ações das instituições financeiras e das instituções não-financeiras, o que significa que a falha do sistema financeiro resultou em graves repercussões no sistema financeiro como um todo. Nesta dissertação, o risco sistémico é definido como o principal racional para perceber a crise financeira, a supervisão prudencial e o fator-chave para gestão das crises.
The aim of this dissertation is to explain the implications of systemic risk in the case of Portugal, specifically, the impact of a financial institution`s bankruptcy in the portuguese economy. Despite systemic risk exists before the global financial crisis, the extent of its negative effects during the recent crisis abruptly raised the interest of researchers. In the recent decades significant concerns about the stability of national and international financial systems have been raised. These concerns have been underlined by the current world financial crisis. With this work, I intend to highlight the effects of systemic risk in the different economic sectors. For this, autoregressive distributed lag regression methods were used. The results show a positive relationship between banks´ stock prices and non-financial companies stock prices meaning that the failure of a financial institution is likely to have serious repercussions in the financial system as a whole. In this dissertation, systemic risk is set as the main rationale to understand financial crisis, prudential supervision and as a key driver for crisis management.
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Siddique, Muhammad. "Exploring the linkages between high performance work systems and organizational performance : the role of relational coordination in the banking sector of Pakistan." Thesis, University of Newcastle upon Tyne, 2014. http://hdl.handle.net/10443/2697.

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This study sets out to determine the process through which high performance work systems (HPWS) affect organizational performance. Previous research in the field of HRM has mainly supported the view that properly designed high performance work systems can enhance organizational performance. There is a growing debate, however, with regard to understanding the “mechanism” linking HPWS and organizational performance. Based on the theory of relational coordination, this study tested a model that examines the linkages and uses relational coordination among employees as a path way through which HPWS influence organizational performance in highly interdependent work settings. This study has been conducted in the banking sector of Pakistan. Primary data was gathered in the form of managers’ and employees’ perceptions about the extent of HPWS and relational coordination among employees in 340 sample branches. Performance measures were obtained from regional offices. The results indicate that the extent of HPWS predicted relational coordination among employees at individual, functional and unit levels. Results have shown that HPWS was significantly related to performance in terms of branch deposits, advances, and overall profitability. One of the more significant findings emerged from this study is that relational coordination partially mediated the relationships between HPWS and branch level performance. The findings from this study contribute to the literature on HPWS and performance, showing how relational coordination might help explain the process through which the two things are linked. The main findings indicated that there is a disconnection between managerial and non-managerial employees’ perspectives regarding the extent of HPWS and relational coordination. The implications of this study suggest that as important stakeholders, both managers and employees should be engaged in the design of HPWS and the plans for achieving relational coordination among employees. The findings also suggested that a coordinated approach to HPWS on the part of management and HR professionals to work more closely with branch managers and employees to develop greater levels of relational coordination would lead to higher levels of performance.

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Obaid, Asfia. "Changes in the pay structures and systems in the banking sector of Pakistan : implications for a differentiated workforce and the employee psychological contract." Thesis, University of Manchester, 2013. https://www.research.manchester.ac.uk/portal/en/theses/changes-in-the-pay-structures-and-systems-in-the-banking-sector-of-pakistan-implications-for-a-differentiated-workforce-and-the-employee-psychological-contract(e164aa2e-bb36-4d89-849b-b65d59f29fd3).html.

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This thesis analyses the changes in pay structures and systems in the banking sector of Pakistan within a wider organisational setting of changes in multiple HR practices. It examines the outcome of these changes as perceived by different employee workgroups in the milieu of their new set of expectations. The existing literature on pay and its influence on the employee psychological contract is mostly limited to studies in the Anglo-Saxon countries. It fails to adequately highlight the ensuing conflicts of institutionalizing HRM practices which may be considered socially legitimate in western societies, in a South Asian country. While the importance of employee involvement in the design and implementation of pay practices is established in the literature there have been few studies which link the implications of its absence with employee perceptions. Moreover, the limited emphasis on the implications and consequences of applying a differentiated HR architecture within organisations fails to recognize the complex and at times conflicting relationship between different HR practices and the associated impact on multiple employee workgroups. To address these gaps in literature a qualitative case study approach was employed and interviews were conducted with 94 employees and HR managers in six domestic banks in Pakistan. The analysis reveals the policies of deregulation and privatization as the key driver for changes in the pay practice which include a partial shift from seniority to performance based pay systems, adoption of broadband pay structures and discontinuation of defined pension benefits. The other HR practices varied only slightly in design features and were applied inconsistently across the differentiated employee workgroups indicating more investment in some than others and resulting in pronounced conflicts between them. The results suggest that interrogation of outcomes of changes in bundles of HR practices, framed by an organisation’s HR architecture requires a multi-level study which incorporates the perspectives of both the employers and the employees.

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Häger, Sandra, and Emma Falk. "Hur kan Sustainability Management Control Systems användas för att integrera hållbar utveckling inom banksektorn?" Thesis, Linköpings universitet, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-138824.

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Hållbar utveckling är ett aktuellt ämne i dagens samhälle och det ställs allt högre krav på att företag ska ta sitt ansvar för att bidra till en hållbar utveckling. Bankerna är de aktörer som kan styra hur kapital ska investeras och har därmed stor makt och mycket att vinna på att främja en hållbar utveckling i samhället. De globala affärsmöjligheterna som marknaden för hållbar utveckling utgör uppskattas att år 2050 uppgå till omkring tre biljoner dollar per år. Banking on shared value (BSV), som är en vidareutveckling av creating shared value, innebär att banker kan generera ekonomiskt värde på ett sätt som samtidigt skapar socialt och miljömässigt värde. Av en granskning som har utförts av Fair Finance Guide framgår det att de sju största bankerna i Sverige får relativt låga hållbarhetsbetyg. Många forskare menar att sustainability management control systems (SMCS), vilket är en en utvecklad modell av Malmi och Browns teori om MCS kan vara nyckeln till att lyckas integrera hållbar utveckling i verksamheten. Det efterfrågas dock fler praktikfall inom området. Syftet med denna studie är att bidra till en ökad förståelse för hur företagsledningen inom banksektorn kan använda SMCS för att integrera hållbar utveckling i sin verksamhet En fallstudie har genomförts av Ekobanken som är den enda svenska bank som är medlem i Global Alliance for Banking on Values och som har fått högst betyg av samtliga banker i Fair Finance Guides granskning. Det empiriska materialet har samlats in med hjälp av intervjuer med två personer inom Ekobankens ledning samt från dokumentstudier. Studien har en abduktiv ansats. Vi har identifierat Ekobankens mest framträdande styrningsverktyg som kulturell styrning som har ett starkt fokus på hållbar utveckling, administrativ styrning och cybernetiska styrningsverktyg. Ekobanken har enligt oss ett väl fungerande SMCS som lyckas med att integrera hållbar utveckling i verksamheten. Vi anser dock inte att Ekobankens arbete med hållbar utveckling kan definieras som BSV fullt ut men att de är den bank i Sverige som i nuläget kommer närmast att uppfylla kraven för BSV. Vi menar därmed att studiens resultat med fördel kan verka inspirerande för andra banker. Det är framförallt Ekobankens transparens, öppna klimat, ledningens engagemang samt deras hållbarhetsredovisning och utlåningspolicy som andra banker, som jobbar mot hållbar utveckling, enligt vår mening bör ta fasta på.
Sustainable development is a topical subject in today's society and there is an increasing demand for companies to take responsibility by contributing to sustainable development. The banks control how capital is invested, thus giving them great power to and a lot to gain from promoting sustainable development in society. The business opportunities from the market for sustainable development is estimated to provide a value of three trillion dollars annually by 2050. Banking on shared value (BSV), which is a further development of creating shared value, means that banks can generate economic value and at the same time create social and environmental value. A review conducted by Fair Finance Guide shows that the seven largest banks in Sweden are performing relatively low results in terms of sustainability. Many researchers argue that sustainability management control systems (SMCS), which is a developed model of Malmi and Brown's theory about MCS, can be the key to successfully integrating sustainable development into the business. However, more practical cases are required in the area. This study aims at contributing to an increased understanding of how corporate governance in the banking sector can use SMCS to integrate sustainable development into the business. A case study has been carried out on Ekobanken, which is the only Swedish bank that is a member of Global Alliance for Banking on Values and has been awarded the highest rating in the Fair Finance Guide´s review. The empirical material has been collected by means of semi-structured interviews with two persons within Ekobanken´s management team as well as documentary studies. The study has an abductive approach. We have identified Ekobanken's most prominent management tools as cultural governance with a strong focus on sustainable development, administrative governance and cybernetic management tools. In our opinion Ekobanken has a successful SMCS that manage to integrating sustainable development into the business. However, Ekobanken's work with sustainable development can, in our opinion, not be fully defined as BSV, but we believe that they are the bank in Sweden that is currently closest to meeting the requirements for BSV. Therefore we mean that the results of this study can be of inspiration for other banks. It is primarily Ekobanken's transparency, open climate, management's commitment, and their sustainability report and lending policy that other banks working towards sustainable development should strive to apply.

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Susec, Sabrina. "Le Secteur bancaire et financier français face à la corruption : un système d’intégrité en construction." Thesis, Cergy-Pontoise, 2015. http://www.theses.fr/2015CERG0806/document.

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La lutte contre la corruption constitue, depuis une vingtaine d'année, une priorité, tant pour les États que du point de vue international. D'abord, fondée sur le blanchiment de capitaux, notamment issus de trafics de stupéfiants et du terrorisme, la lutte contre la corruption tend désormais à devenir autonome. Le secteur bancaire et financier par lequel transitent des flux financiers licites et illicites, et qui a subi des crises et scandales considérables dans les dernières années, paraît susceptible d'être le réceptacle d'opérations de corruption, sans pour autant que cette question n'ait été ni pensée, ni ait formé véritablement le socle d'une action résolue des instances internationales et nationales. Il devenait, dès lors, nécessaire de s'interroger sur le système d'intégrité bancaire et financier (SIBF), dans ses versants préventif et répressif. Il en est ressorti que ce dernier, à l'instigation d'organisations internationales et consécutivement à des traumatismes politiques et financiers, a subi en quelques années une importante évolution. Ce développement a conduit, d'abord, au renforcement des dispositifs de prévention dans les établissements bancaires et financiers. Il a, ensuite, offert de nouvelles ressources au système judiciaire, par exemple, à travers le procureur de la République financier et l'enrichissement de ses méthodes d'enquêtes. Le SIBF, cependant, éprouve des difficultés graves pour contrer efficacement les menaces de la corruption qui restent en mouvement constant. Aussi conviendrait-il que les pouvoirs publics mettent résolument en œuvre des politiques publiques fortes dans le domaine, qui pourraient s'inspirer des propositions formulées à la fin de cette thèse
For about twenty years, on a State and international basis, the fight against corruption has constituted a priority. Originally based on money laundering, essentially from drug trafficking and terrorism, the fight against corruption is nowadays tending to become autonomous. In the past years, the banking and financial sector, transited by lawful and illicit financial flows, has not been able to avoid considerable crises and scandals. This sector seems to be a haven for corruption operations ; though, this question has never really been taken into account, nor being thought as to form a common base for a resolute international and national response. It then becomes necessary to wonder about the banking and financial integrity system (SIBF), in both its preventive and repressive sides. At the instigation of international organisations and responsivly to political and financial traumatisms, the SIBF has undertaken a tremendous development. This evolution led, first, to the strengthening of the prevention mechanisms in the banking and financial institutions. It also offered new developments for the judiciary means, such as the instauration of the national financial prosecutor and the enrichment of his means of investigation. However, the SIBF presents serious difficulties for efficiently countering the constantly moving and evolving corruption threats. It would be then necessary that the concerned authorities implement resolutely strong public policies in this domain, which could be inspired by the proposals formulated at the end of this thesis

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Carlsson, Josefine, and Linnéa Falk. "Att styra informellt : En studie om hur digitaliseringen påverkar användningen och anpassningen av informella styrmedel inom banksektorn." Thesis, Linköpings universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-166071.

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Bakgrund: Banksektorn befinner sig i en allt mer komplex och föränderlig miljö på grund av digitaliseringen och dess påverkan på samhället. Till följd av den snabbföränderliga marknaden ställs det krav på hur bankerna internt organiserar sin verksamhet för att fortsatt vara konkurrenskraftiga. De mindre formella styrmedlen har därav fått en mer central roll då de är mer flexibla och lättare kan anpassas utifrån den snabbrörliga omgivningen. För att uppnå en flexibilitet som gör att bankerna kan följa med i förändringen krävs därför en förståelse för de informella styrmedlens anpassning och användning i samband med den digitala förändringen. Syfte: Studien syftar till att bidra med en ökad förståelse för hur de informella styrmedlen kan användas och anpassas för att möta förändringsprocesser såsom digitalisering. Metod: Studien är en kvalitativ tvärsnittsstudie där fyra banker studerats. Empirin består av sju semistrukturerade intervjuer med medarbetare på svenska banker. Vidare utgår studien från ett hermeneutistiskt perspektiv med en abduktiv ansats. Slutsats: Studien visar att bankerna använder sig av de informella styrmedlen kommunikation, kompetensutveckling och organisationskultur för att möta den digitala förändringen. Samtliga styrmedel har påverkats och anpassats på olika sätt för att möta digitaliseringen. Kommunikationen har blivit mer frekvent och lättillgänglig, kompetensutvecklingen sker mer digitalt och slutligen har företagskulturen behövt anamma en mer tillitsbaserad och öppen kultur. För att bankerna ska kunna möta den digitala förändringen på marknaden påvisar studien vikten av att kommunikation, kompetensutveckling och organisationskulturen används för att skapa ett lärandeklimat som främjar förändring. Slutligen måste de informella styrmedlen samspela för att skapa rätt förutsättningar för bankerna att möta den digitala utvecklingen och därav är ledarens roll av betydelse för ett integrerat användande av styrmedlen.
Background: The banking sector is acting in an increasingly complex and changing environment due to digitalization. Because of the rapidly changing market, requirements have been set for how the banks internally organize their operations in order to remain competitive. Informal control systems have therefore become more central as they are more flexible and more easily to adapt to the fast-moving environment. In order to achieve a flexibility that allows the banks to stay competitive, an understanding of the adaptation and use of the informal control systems in connection with the digital change is required. Aim: The study aims to contribute to an increased understanding of how the informal control systems can be used and adapted to meet change such as digitalization. Methodology: The study uses a qualitative cross-sectional study design where four banks have been studied. The empirical data consists of seven semi structured interviews with employees of Swedish banks. Furthermore, the study is based on a hermeneutic philosophical standpoint with an abductive approach. Conclusion: The study shows that the banks use communication, competence development and organizational culture to meet the digital change. The informal control systems have been influenced and adapted in different ways to meet the digitalization. Communication has become more frequent and easily accessible, the competence development is more digital, and the organizational culture has had to adopt a more trustbased and open culture. In order for the banks to be able to meet the digital change, the study shows the importance of using communication, competence development and organizational culture to create a learning climate that promotes change. Finally, the informal control systems must interact with each other in order to create the right conditions for the banks to meet the digital development. Hence the role of the leader is important to make sure that the control systems are used in an integrated way

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Azzouzi, Idrissi Youssef. "La liquidité bancaire : risques, thésaurisation et dimension systémique." Thesis, Grenoble, 2014. http://www.theses.fr/2014GRENG010.

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Cette thèse s'inscrit dans le contexte d'après crises des subprimes et des dettes souveraines européennes. Il s'agit de périodes durant lesquelles les banques, en particulier dans la zone Euro et aux Etats-Unis, ont fait face à un assèchement de liquidité sans précédent ayant paralysé le système bancaire et conduit à la faillite de banques dont certaines solvables. La thèse cherche à répondre à la problématique suivante : Quelles sont les raisons du dysfonctionnement de deux canaux importants d'approvisionnement en liquidité par les banques, à savoir, le marché des actifs et surtout le marché monétaire interbancaire ? L'objectif est d'avoir un cadre d'analyse qui permet d'évaluer les propositions de la réglementation Bâle III en matière de contrôle du risque de liquidité dans les banques et d'éclairer les réflexions autour de la supervision bancaire. La première étude empirique est consacrée aux interactions entre le risque de liquidité de financement et le risque de liquidité de marché en situation de crise. Elle confirme bien la présence d'un renforcement mutuel entre ces deux types de risque dans les cas américain et européen durant la période allant de 2007 à 2011. La deuxième étude empirique se focalise sur le dysfonctionnement du marché monétaire interbancaire dans la zone Euro durant la même période en identifiant les motifs de la thésaurisation de liquidité par les banques, à savoir, le risque de contrepartie, le motif de précaution et le motif de spéculation. Les résultats montrent bien qu'il y a une relation significativement positive entre ces trois facteurs et la thésaurisation. Enfin, la troisième étude met l'accent sur les conséquences de la thésaurisation en termes de contagion interbancaire et de risque systémique. Les résultats confirment en effet l'impact de la thésaurisation sur le risque systémique dans la zone Euro
During the U.S subprimes and the European sovereign debt crisis, banks faced with an unprecedent liquidity drying-up, leading to a banking system paralysis and failures of banks (including some solvable banks), in particular in United States and Euro zone. This dissertation seeks to answer the following question: what are the reasons of dysfunction of two important channels of liquidity supply of banks, namely, asset market and interbank money market? The aim is to have an analysis framework in order to evaluate banking regulations issued by Basel III and to enlighten reflections about banking supervision. The first empirical study examines the interactions between funding liquidity risk and market liquidity risk. Its results confirm that these two risk types are mutually reinforcing in American and European cases during the period between 2007 and 2011. The second empirical study focuses on the failure of the interbank market in Euro zone during the same period by identifying the motives behind the bank liquidity hoarding, namely, counterparty risk, precautionary motive and speculative motive. The results show that there is a significantly positive relation between these three factors and the liquidity hoarding. Finally, the third empirical study illustrates the repercussions of this phenomenon on systemic risk. The results confirm the impact of liquidity hoarding on systemic risk in Euro zone

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Pinto, Gustavo Mathias Alves. "Regulação sistêmica e prudencial no setor bancário brasileiro." Universidade de São Paulo, 2011. http://www.teses.usp.br/teses/disponiveis/2/2133/tde-03092012-145854/.

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O objeto do presente trabalho é o diagnóstico do arcabouço regulatório pátrio destinado à prevenção de crises bancárias, quais sejam a regulação sistêmica e a regulação prudencial, e como as transformações ocorridas no sistema financeiro na segunda metade do século XX o afetam. A partir desse estudo, o trabalho pretende demonstrar que, embora a regulação sistêmica e a regulação prudencial no País tenham incorporado avanços notáveis nas últimas décadas, ainda há falhas significativas a serem corrigidas e desafios a serem enfrentados. Se por um lado o atual arcabouço regulatório é marcado por exigências e controles mais rigorosos que os encontrados em outros países, por outro lado, constam também inúmeros instrumentos de resgate a bancos sendo aplicados de forma desordenada, sem regras claras, com pouca ou nenhuma prestação de contas, e até mesmo desvirtuando o propósito original de alguns desses instrumentos. A presença de uma multiplicidade de mecanismos de resgate com tais características é uma preocupante fonte de risco moral no mercado. Outrossim, o exame das transformações ocorridas no Sistema Financeiro Nacional nas últimas décadas evidencia que as dificuldades enfrentadas por autoridades bancárias em outros países, como o fenômeno do grande demais para quebrar e o monitoramento do risco sistêmico em um contexto de conglomeração financeira, já são uma realidade no País, representando desafios para a regulação sistêmica e a regulação prudencial, e provocando a reflexão sobre as consequências desses movimentos no setor bancário nacional para o arcabouço regulatório vigente. Em conclusão, o trabalho pretende demonstrar que, apesar de seus inegáveis méritos, a exaltação ao arcabouço regulatório pátrio em face de seu desempenho considerado positivo na crise financeira recente deve ser vista com temperamentos, e que a atuação das autoridades bancárias nos próximos anos deve ser mais centrada na correção das falhas identificadas e reflexão sobre os desafios apresentados.
The study aims at evaluating the national regulatory framework designed to prevent banking crises (e.g. systemic and prudential regulation), and how the transformations that occurred in the financial services industry throughout the second half of the 20th century affect it. Based on this analysis, the study intends to demonstrate that, albeit the systemic and prudential regulation in Brazil have incorporated important developments over the last decades, there still are significant flaws that need to be fixed and challenges to be faced. If, on the one hand, the current regulatory framework is marked by demands and controls that are more rigorous than those adopted by other countries, on the other hand, the mechanisms designed to rescue distressed banks are being applied in an unorganized manner, without clear rules, little or no accountability, and even distorting the original purpose of some of these mechanisms. The presence of this variety of rescue mechanisms with such characteristics is a concerning source of moral hazard. Furthermore, the examination of the transformations in the financial system in recent history shows that the challenges faced by banking authorities in other countries, such as the too big to fail phenomenon and the complexity of monitoring systemic risk in the context of financial conglomerates, are also present in Brazil, creating challenges to the current regulatory framework, and claiming a reflection on the consequences of such transformations in the national financial services industry. In conclusion, the study aims at demonstrating that, despite its unquestionable merits, the exaltation to the Brazilian systemic and prudential regulation in light of the countrys performance in the recent financial crisis should be analyzed with caution, and that the role of the banking authorities over the next years should be focused in fixing the flaws identified in the analysis and reflection over the challenges discussed throughout the study.

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Gheeraert, Laurent. "Financial systems: essays on the cultural determinants and the relevance for economic development." Doctoral thesis, Universite Libre de Bruxelles, 2009. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/210212.

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The thesis analyzes macro-economic determinants and roles of financial sector development.

The literature argues that the size and efficiency of both banking systems and financial markets - the two major components of a financial system - matter for economic development. In the same vein, the quality of financial institutions and regulations are instrumental in the construction of a strong financial system.

We study several aspects of financial sector development in relation to three recent phenomena, namely, the rise of Islamic banking and finance, the increasing interest for emerging stock markets, and the growing remittance flows.

This thesis is made up of three essays.

The first essay extends the literature on the determinants of financial sector development, from the angle of culture. We show that, on average, Islamic finance favors the development of the banking sector in Muslim countries. We provide evidence that several countries have indeed been successful in launching a new, Shariah-compliant, banking system, while not harming the existing, conventional, banking sector. Our empirical analysis uses a newly-constructed original database on the size and performance of Islamic deposit banks globally over the period 2000 to 2005.

The second essay focuses on stock markets, in particular, the less-studied emerging equity markets. We confirm traditional literature findings on unconditional stock returns, over a panel of 53 Major and Frontier markets. Mainly, volatility is high, big surprises happen, and return correlations with the rest of the world are low but have been rising over the last decades. In spite of large differences in market size and liquidity, Frontier market returns are qualitatively similar to Major markets', except correlations, which are lower in Frontier markets. At current correlation levels, the latter continue to bring substantial diversification benefits to international investors.

The last essay examines the relationship between remittances and economic growth. It confirms that remittances are important for developing countries as they stimulate domestic investment. It then demonstrates, theoretically and empirically, that improving the access to bank deposit accounts is crucial to channel remittances to more productive uses. This is even more true when the access to international borrowing is costly.

The 2008-2009 financial crisis has propelled the improvement of financial systems to the top of policymakers' agendas. Our work contributes to a better understanding of the importance of finance in economic outcomes. It also brings a novel perspective on the determinants of financial systems./

Notre thèse a pour objet l'étude des déterminants et des rôles macro-économiques des secteurs financiers dans le monde.

Selon la littérature scientifique, la taille et l'efficacité des systèmes bancaires et des marchés financiers - les deux composantes principales d'un système financier - sont importantes pour le développement économique. Il apparaît également que la qualité des institutions et des régulations financières contribuent à la création d'un système financier fort.

Au travers de trois essais, nous examinons plusieurs aspects du développement du secteur financier, qui sont en relation avec trois phénomènes récents; à savoir: la croissance de la finance islamique, l'intérêt grandissant pour les marchés boursiers émergents, et l'augmentation des flux de transferts de fonds des migrants.

Dans le premier essai, nous nous intéressons aux facteurs culturels comme déterminants des secteurs financiers et, en particulier, au rôle de la religion musulmane. Nous montrons que, en moyenne, la finance islamique favorise le développement du secteur bancaire dans les pays musulmans. Plusieurs pays ont en effet réussi à développer un nouveau secteur bancaire compatible avec la Shariah, sans porter ombrage au secteur bancaire non islamique avec lequel il co-existe. Notre analyse empirique est fondée sur une base de données nouvelle et originale. Celle-ci a pour intérêt de fournir des indicateurs de taille et de performance des banques islamiques de dépôt dans le monde, pour la période 2000-2005.

Dans le deuxième essai, nous explorons les rendements inconditionnels obtenus sur les marchés boursiers, en particulier les marchés émergents d'actions. Notre analyse d'un large panel de 53 marchés émergents "Majeurs" et "Frontières" confirme les résultats traditionnellement observés dans la littérature. Ainsi, pour l'essentiel, les deux types de marchés sont volatils et émaillés d'événements extrêmes. De plus, les rendements des marchés émergents sont faiblements corrélés avec ceux du reste du monde, même si ces corrélations ont augmenté au cours des derniers décennies. Malgré d'importantes différences en terme de taille et de liquidité, les rendements sur marchés "Frontières" sont qualitativement similaires à ceux des marchés "Majeurs", à l'exception des corrélations. Ces dernières sont en effet actuellement plus faibles dans les marchés "Frontières", qui continuent dès lors à offrir d'importants bénéfices de diversification aux investisseurs internationaux.

Dans le dernier essai, nous examinons la relation entre les transferts d'argent des migrants et la croissance économique. Nous confirmons l'idée que les transferts de fonds des migrants sont importants pour les pays en voie de développement. Mais surtout, nous démontrons, de manière théorique et empirique, qu'il est crucial de faciliter dans ces pays l'accès aux comptes de dépôt bancaires, afin de transformer une plus grande part des transferts des migrants en investissements productifs. Ceci est d'autant plus vrai quand l'accès aux autres sources de capitaux internationaux est coûteux.

En conclusion, la crise financière de 2008-2009 a fait de l'amélioration des systèmes financiers la priorité de nombreuses politiques économiques. Dans cette perspective, notre travail apporte une contribution à une compréhension plus fine de l'importance de la finance pour l'économie, ainsi qu'une vision novatrice des déterminants des systèmes financiers.
Doctorat en Sciences économiques et de gestion
info:eu-repo/semantics/nonPublished

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Modise, Keitshokile. "Disintermediation within the South African banking system." Thesis, 2014. http://hdl.handle.net/10539/15248.

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"The effects of information and communication technologies on the banking sector and the payments system." Universitat de Girona, 2001. http://www.tesisenxarxa.net/TDX-1120101-181822/.

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周治萍. "A Comparison of Financial Supervision System between Taiwan and Mainland China-Evidence from Banking Sector." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/13805503033936255122.

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碩士
國立政治大學
行政管理碩士學程
101
As the cross-strait policy gradually untie, Bank deep into mainland China in Taiwan is a must, however in the case of partition of separation between the two sides, when set up branches of Taiwan banks entering the Mainland, apart from banking supervision mechanism in Taiwan should be consistent with, and should be aware of mainland China's banking supervision norms, with a view to in the cross-strait supervision mechanism and under the relevant provisions of the Act creates a win-win. Principles of supervision across the Taiwan Strait, are premised on the principle of home country supervision, and in accordance with the Bank for International Settlements (BIS) published in 1992 "minimum standards for the supervision of international banking groups and overseas branches" as the guiding principle, however, in response to the current cross-strait supervision of transnational Bank, Taiwan faces the biggest dilemma that is "national identity" issues. Taiwan depth with the existing supervision system (General check) and breadth (project review) issues, and financial checks belonging to transactions that took place after the ex-post checks, financial authorities in addition to strengthening the financial checks, still need to urge financial institutions to establish the implementation of internal control and internal audit mechanisms, based on sound management of financial institutions.

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Colaço, Marta. "Unicredit anking sector: Italy’s prodigy bank returns." Master's thesis, 2018. http://hdl.handle.net/10362/35216.

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Hope, Beverley G. "Quality improvement in the service sector : an expert support system (ESS) for continuous improvement." Thesis, 1995. http://hdl.handle.net/10125/9544.

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Malawene, Joaquina da Graça. "Análise da Implementação dos Acordos de Basileia no Sector Financeiro Moçambicano." Master's thesis, 2019. http://hdl.handle.net/10316/90011.

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Dissertação de Mestrado em Contabilidade e Finanças apresentada à Faculdade de Economia
Em todos os sectores da economia tem sempre em suas actividades uma diversidade de riscos associados. Para a mitigação destes riscos, para além da autorregulação do mercado, é necessário a intervenção de algumas entidades reguladoras e supervisoras. A actividade financeira não foge a este cenário. Devido a interligação entre as economias foi necessário criar um organismo mundial que pudesse dar directrizes padronizadas sobre a mitigação dos riscos inerentes a esta actividade. Esta dissertação revê a implementação dos Acordos de Basileia com ênfase no Sistema Financeiro Moçambicano e a literatura que versa sobre este assunto. Como principal foco, esta na dissertação percorre por uma das funções do Banco de Moçambique, que é de aprovar regras prudenciais que regulam o sistema financeiro e supervisiona a implementação das mesmas pelas Instituições Financeiras Para o exercício da supervisão, o Banco de Moçambique intervém através de Avisos e Circulares. A presente pesquisa baseia-se na abordagem dedutiva- meramente qualitativa e para a análise de dados foram empregues a análise documental e a observação externa. Primeiramente serão abordados aspectos teóricos ligados a evolução dos Acordos de Basileia no geral, bem como os seus contributos para a regulação da actividade financeira mundial. A posterior, será descrito a composição do Sistema Financeiro Moçambicano. Sequencialmente, serão abordadas as fases da implementação dos Acordos de Basileia bem como o processo de supervisão. Da análise feita, constatou-se que o sistema financeiro moçambicano tem acompanhado a dinâmica dos Acordos de Basileia e é crucial que o processo de regulação e supervisão e sejam mais intervenientes no sistema.
In all sectors of the economy there is always a diversity of associated risks in its activities. To mitigate these risks, in addition to market self-regulation, the intervention of some regulators and supervisors is required. Financial activity does not escape this scenario. Due to the interconnection between the economies it was necessary to create a world body that could give standardized guidelines on the mitigation of the risks inherent to this activity. This dissertation reviews the implementation of the Basel Accords with emphasis on the Mozambican Financial System and literature on this subject. As the main focus, this dissertation covers one of the functions of the Banco de Mozambique, which is to approve prudential rules that regulate the financial system and supervise the implementation of the same by Financial Institutions. For the exercise of supervision, the Bank of Mozambique intervenes through Warnings and Circulars. The present research is based on the qualitative deductive approach and the analysis of data used documentary analysis and external observation. Firstly, theoretical aspects related to the evolution of the Basel Accords in general, as well as their contributions to the regulation of world financial activity will be addressed. Later, the composition of the Mozambican Financial System will be described. Sequentially, the implementation phases of the Basel Accords will be addressed as well as the oversight process. From the analysis made, it was found that the Mozambican financial system has been following the dynamics of the Basel Accords and it is crucial that the process of regulation and supervision and are more involved in the system.

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Jesus, Maria Teresa de. "O papel do setor bancário para o crescimento económico de Angola." Master's thesis, 2014. http://hdl.handle.net/11328/1569.

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A presente dissertação, intitulada "O papel do setor bancário para o crescimento económico de Angola", tem por objetivo o estudo do papel dos bancos no sistema financeiro angolano e no seu crescimento económico, tendo em conta o atual processo de reconstrução social, económica e financeira que o país tem sido alvo, em particular no fomento das pequenas e médias empresas, destacando-se a atuação dos bancos públicos e privados e outras instituições financeiras nos diversos períodos de desenvolvimento do setor financeiro em Angola, bem como o seu impacto nos diversos setores do tecido político, social, cultural e económico do país. Para realizarmos este objetivo, procedemos a uma panorâmica sobre o setor bancário, destacando o seu conceito, função e classificação, uma vez que as instituições bancárias, quer sejam nacionais ou estrangeiras, são cruciais no crescimento e na integração económica do país. Por outro lado, destacamos também o papel do governo no sistema financeiro e no setor bancário em particular, e o papel dos bancos e dos mercados financeiros no crescimento económico dos países africanos. Por último, realçamos o contributo que as instituiçoes bancárias nacionais e estrangeiras podem dar ao crescimento económico e social de Angola e as dificuldades com que as instituições financeiras angolanas se têm deparado. Da análise dos indicadores económicos e do setor bancário angolano podemos concluir que o sistema financeiro angolano tem tido um crescimento considerável, registando-se um crescimento do setor empresarial e dos investimentos privados no país.

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Barata, Sara Isabel das Neves. "The impact of income and asset diversification in banks performance: evidence from the euro area." Master's thesis, 2016. http://hdl.handle.net/10071/13772.

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JEL Classification System: G21, L25
This dissertation aims to provide an explanation on the research regarding the issue of banks’ activity and source of income specialization versus diversification. We examine the existing theories and empirically study the effect of activity and source of income diversification effect on performance, risk and market valuations on the Euro Area banks’. Our sample was constructed by gathering financial data from 2,062 Euro Area banks between the years of 2000-2014. The research study is centred on the potential to create revenue outgrowth through diversification and to further obtain a conclusion on whether diversification is beneficial or armful for banks. The main conclusions are that income diversification tends to improve the risk-return relationship, while the asset diversification worsens this relationship. Controversially, it is observable that the increase of income diversification increases the non-performing loans risk, analyzed as a standalone measure, and the asset diversification decreases this risk.
A presente dissertação tem como objetivo fornecer uma explicação sobre a investigação feita sobre a relação entre a diversificação versus especialização relativamente à fonte de receitas e aos ativos dos bancos. Foram examinadas as teorias existentes e foi empiricamente estudado o efeito da atividade e das fontes de rendimento no desempenho, no risco e na valorização dos bancos da Área Euro. A amostra foi construída através da recolha de dados financeiros de 2,062 bancos da Área Euro entre os anos de 2000-2014. A pesquisa encontra-se centrada sobre o potencial para criar crescimento extraordinário das receitas, através da diversificação e na obtenção de uma conclusão sobre se a diversificação é benéfica ou prejudicial para os bancos. As principais conclusões obtidas apontam para que uma melhoria da relação risco-retorno com a diversificação das fontes de rendimento, enquanto a diversificação de ativos piora esta relação. Controversamente, observa-se que o aumento da diversificação das fontes de rendimento aumenta o risco dos empréstimos de cobrança duvidosa, analisado como uma medida independente, e que a diversificação de ativos tende a diminuir este risco.

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Silva, Ana. "Interconnectedness of the insurance sector with the banking and non-financial sectors." Master's thesis, 2017. http://hdl.handle.net/10362/26216.

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This work project studies the interconnectedness of the European insurance sector with the banking and non-financial sectors through both a VAR model (together with the Granger causality test) and a Markov Switching model. I concluded that after the crisis, the existing linkages between institutions were more numerous than the ones that were detected prior to it. Evidence suggests that banks´ past returns began to Granger cause the returns of insurance companies and vice-versa only after the crisis. Lastly, it was seen that the interconnectedness among individual insurance companies during the 2008 crisis became stronger.

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Barros, Tchibwabwa Sefo Maria. "O alisamento dos resultados no sector bancário angolano. uma análise através das provisões para crédito de cobrança duvidosa." Master's thesis, 2017. http://hdl.handle.net/10316/82206.

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Dissertação de Mestrado em Contabilidade e Finanças apresentada à Faculdade de Economia
O objectivo desta dissertação centra-se na problemática da manipulação de resultados no sistema financeiro bancário angolano no período de 2008-20014. Nos investigamos se os bancos da banca angolana alisam os resultados e se os gestores usam a conta de provisões para credito de cobrança duvidosa como uma ferramenta para alisar os resultados e gestão de capital. Analisamos também o comportamento da conta provisões para credito de cobrança duvidosa durante o período de crise financeira. Para alcançar os objectivos traçados, iniciamos por fazer a contextualização do actual estado do sistema económico e financeiro da Banca Angola, seguido de uma revisão de literatura sobre estudos que retratam do alisamento de resultados, gestão de capital, provisões para credito de cobrança duvidosa e o comportamento das provisões para credito de cobrança duvidosa durante os períodos de crises financeiras. Em seguida, com base na revisão de literatura definimos os modelos para testar a hipótese de alisamento de resultado, seguimos o modelo dos coeficientes de variação apresentado por Eckel, (1981), e o modelo econométrico apresentado por Pérez, et al., (2006) para testar a robustez dos resultados das provisões para credito de cobrança duvidosa. Os nossos resultados demostram evidencias que os bancos alisam os resultados e que durante o período de crise financeira mais de 72% das instituições financeiras bancarias alisam os resultados. encontramos evidencias que os gestores bancários usam provisões para credito de cobrança duvidosa para alisar os resultados e gestão de capital. não encontramos evidencia de que os gestores usam as PCCD, para alisarem os resultados durante os períodos de crise financeira.
The goals of this dissertation focuses on the problem of manipulation of results in the Angolan banking financial system. We investigate whether Angolan banks' banks income smooth and whether managers use the loan loss provision accounts as a tool to smooth results and management capital. We also analyze the behavior of the loan loss provision accounts during the financial crisis period. In order to reach the objectives outlined, we began by contextualizing the current state of Angola's economic and financial system, followed by a literature review on studies that portray income smoothing, capital management, loan loss provision accounts during periods of financial crises. Following the literature review we defined the models for testing the income smoothing hypothesis, then we followed the model of the coefficients of variation presented by Eckel, (1981), and the econometric model presented by Pérez, et al. (2006) To test the robustness of the results of the allowance for doubtful accounts. Our results show evidence that banks smoothed the results in the period of 2008-2014, and that during the financial crisis period more than 72% of financial institutions banking are smoothed the results through the model of the coefficients of variation of the Eckel. We find evidence that bank´s managers use loan loss provisions to income smooth and manage capital. We do not found evidence that managers use the loan loss provision to smooth out the results during periods of financial crisis.

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Lin, Yu Pei, and 林玉珮. "Critical Factors in Implementing Internet Banking System for Business Sectors." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/65816134406760181525.

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碩士
國立臺灣科技大學
財務金融研究所
98
Over competition had been widely spread across Taiwan’s domestic market for banking services since its deregulation for privatization. Therefore, the critical agenda for each banker at the moment is to bring an even more convenient financial service in surviving yet outperforming in the fierce competition game. This research has concluded a complete overview in discussing a variety of major critical factors for dimensions range from “service quality, trust and level of relationship, cost and effectiveness, information security” and to address the customer’s satisfactory as its comprehensive analysis. This research had invited for in-depth interview with business owner or the financial officer from one out of its industry’s representative (enterprise customer) range from an appropriate portfolio across six industries as department store, automobile, trading business, construction, securities and manufacturing. The major findings fallen into the dimension of information security system as its critical factor across all considerations. Hence the strong and sever information firewall system shall then be deployed where the declaration in recruiting the trust between the banker and its customer is then strengthened via the financial service contract. This conclusion also supports the trust and level of relationship as the next critical factor where the trust from the internet banking system is created and based on the level of relationship in between. The more the bankers focused on the strategy of relationship marketing, the more then can manage the critical factors from adopting internet banking service from enterprise customers. Hence, to master these critical factor in expanding market share, acquiring more recognition from enterprise customers which could then create an infinite business opportunity. Until then, the core value in increasing customer satisfactory for sustainability of the banker would then realized.

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Sekwakwa, Matthews. "Factors influencing the adoption of virtual desktop infrastructure (VDI) within South African banking sector." 2016. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001922.

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M. Tech. Business Information Systems
The banking sector allocates a great deal of their annual budget to Information Technology. To maintain and optimise activities such as software licensing, data security, business continuity and upgrading of computer hardware and general technology infrastructure to meet new organisational requirements, huge financial resources are deployed. One innovative approach to meeting these demands is using virtual desktop technology to extend the computer life, reduce IT costs, improve security and increase availability of technology. One may surmise from the experiences of these companies that if banks replace the current personal computers with virtual desktops they may realise the same benefits. With the introduction of Virtual Desktop Infrastructure (VDI) technology; the premise is that it will alleviate these issues currently faced by banks as all these functions can be done in one place instead of doing it on every individual PC. This study seeks to explore factors of VDI adoption and its impact in terms of reducing cost, hardware and software management, remote access, improved data security and recovery, better compliance and reduced energy consumption.

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Cadir, Jetur Abdul. "Rentabilidade do setor bancário e crescimento económico em Moçambique entre 1996 e 2017." Master's thesis, 2020. http://hdl.handle.net/10071/21609.

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O presente estudo analisa a relação entre a rentabilidade do setor bancário e o crescimento económico em Moçambique no período entre 1996 e 2017. Este trabalho tem como objetivo analisar a relação entre a rentabilidade bancária e o crescimento económico em Moçambique. Este estudo permite avaliar a real importância dos resultados obtidos no setor bancário para a estabilidade financeira e crescimento económico. Para verificar a relação entre as variáveis, utilizou-se dados anuais do ROA ("Return On Assets") para representar a rentabilidade do setor bancário e o PIB per Capita para o crescimento económico. Para o efeito a analise baseou-se na estimação do modelo econométrico ARDL ("Autoregressive Distributed Lag") de cointegração através da reparametrização para o modelo de correção de erros (ECM). Com base nos resultados obtidos concluiu-se que a longo prazo o ROA tem efeito negativo no PIB "per capita" em Moçambique.
The present study analyzes the relationship between the profitability of the banking sector and economic growth in Mozambique in the period between 1996 and 2017. This work aims to analyze the relationship between bank profitability and economic growth in Mozambique. This study makes it possible to assess the real importance of the results obtained in the banking sector for financial stability and economic growth. To verify the relationship between the variables, annual ROA (Return On Assets) data was used to represent the profitability of the banking sector and GDP per capita for economic growth. For this purpose, the analysis was based on the estimation of the econometric model ARDL (Autoregressive Distributed Lag) of cointegration through reparametrization for the error correction model (ECM). Based on the results obtained, it was concluded that in the long run ROA has a negative effect on GDP per capita in Mozambique

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Brechler, Josef. "Inter-sector credit exposure: Contingent claims analysis in the Czech Republic." Master's thesis, 2013. http://www.nusl.cz/ntk/nusl-327869.

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Linkages between economic agents in form of financial assets might contribute to transmission of shocks between different parts of the economy. Aim of this thesis is to enrich the ongoing discussion about the spread of contagion through the economy. We provide an analysis of financial interlinkages in the Czech economy and using the contingent claims analysis (CCA) model we attempt to quantify risks in the system that that are implied by the existence of these linkages. We use different techniques within the framework of the model to obtain various indicators that can be used to assess stability of the system. Using simulations we find that size of losses due to riskiness of debt depends strongly on the origin of a shock and it is higher for shocks originating in the household sector than for shocks originating in the sector of the non-financial corporations. We also find that size of a decrease in capital of the banking sector needed to cause a distress in the system as relatively high and stable in time. JEL Classification E01, E44, G01, G12, G20 Keywords Balance sheet contagion, financial accounts, network models, contingent claims analysis, systemic risk Author's e-mail josef.brechler@gmail.com Supervisor's e-mail michal.hlavacek@cnb.cz

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Pimentel, Ana Teresa Moniz. "Impacto do Lean IT na execução de projetos : caso de estudo no setor bancário." Master's thesis, 2018. http://hdl.handle.net/10437/9016.

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Orientação: Paulo Jorge Tavares Guedes
O planeamento rigoroso, o controlo e a gestão de mudança há muito que deixaram de ser garantia suficiente para vingar no mundo das Tecnologias de Informação. A vantagem competitiva passa por ter uma boa capacidade de inovação conseguida através da redução do desperdício e vai permitir reposicionar os recursos para uma rápida resposta à mudança. A abordagem Lean no IT abre a possibilidade de identificação de um diversificado conjunto de oportunidades de melhoria de gestão que poderão traduzir-se na diminuição do desperdício, no aumentar da eficiência dos processos e ganhos de satisfação dos clientes. Este trabalho incidirá na análise de dois projetos e a metodologia adotada pretende avaliar o impacto da abordagem Lean IT opondo-a à gestão convencional, comparando vantagens e desvantagens e ilustrando com os principais KPIs dos respetivos projetos. Das principais conclusões deste estudo destaca-se que a aplicação do Lean IT se traduziu num aumento de produtividade estimado em 23% em apenas dois anos e meio de aplicação ao projeto, permitindo, simultaneamente, aumentar o volume das tarefas executadas pelas equipas e melhorar a eficiência na sua realização. Em síntese, a adoção do Lean IT ganhos substanciais em termos de custos de time-to-market.
Rigorous planning, control, and change management have long ceased to be sufficient assurances to avenge in Information Technology world. The competitive advantage is to have a good innovation capacity achieved through the reduction of waste and will allow repositioning the resources for a rapid response to change. The Lean approach in IT opens up the possibility of identifying a diverse set of management improvement opportunities that can translate into reduced waste, increased process efficiency, and customer satisfaction gains. This work will focus on the analysis of two projects and the methodology adopted intends to evaluate the impact of the Lean IT approach, opposing it to conventional management, comparing advantages and disadvantages and illustrating with main KPIs of each projects. The main conclusions of this study are that the application of Lean IT resulted in an increase in productivity estimated at 23% in only two and a half years of application to the project, while simultaneously increasing the volume of tasks performed by the teams and improving the efficiency. In summary, the adoption of Lean IT translates into significant gains in time-to-market.

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Dissertations / Theses on the topic 'Banking sector; System'

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