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1
Lydiana, Yessie Fransiska, Prof Aurik Gustomo, and Dr Yuni Ros Bangun. "Future Banking: A Literature Review." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (June 16, 2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(30).
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Nowadays, digital transformation is a buzzword in an academic and business environment. Business, education, banking, government, manufacturing – almost every industry is being "digitally transformed" in the period of the fourth industrial revolution. Many studies, specifically in the last 25 years, tried to discover the elements, drivers, and barriers of digital transformation and the value creation through digital transformation (Verina & Titko, 2019). There is a variety of digital technology strategies. The consumer behaviour triggers a series of technological advances, for every bank must continue to prepare for the future of banking. Conventional banks that currently still have customers, namely traditionalists who feel they don't need digital channels, must also be ready (Insight, 2020). Likewise, digital banking must be ready for the use of future technology. The failure of banks to adapt to consumer needs and the adoption of digital technology will have a significant impact. The speed or phase in digital transformation for banking, specifically in Indonesia, is not the same. Digital transformation in Indonesia's banking industry started quite late compared to other Asian countries, such as Malaysia, Singapore and South Korea. This is due to, among other things, the geographical conditions of Indonesia, which is an archipelago where digital literacy is not homogeneous, and people still have traditional beliefs and preferences for doing their banking in conventional physical branches (Winasis, 2020). The Indonesia Financial Services Authority (FAS) stated that by 2030 in Indonesia, all current banks would be digital, so it is expected that there will be no more branch offices. In addition, native/traditional banks are currently competing with challenger banks and fintech. Banking must be able to know its position in the middle of this digital transformation phase to find the right strategy for future requirements. There are many papers that study about the digital transformation in many industries including banking, but the research about the parameter that can be used to define the future banking itself still few. The purpose of the study is to enrich the existing literature about the future banking by collecting the parameter for the future banking and answer the research question: How the future banking looks alike? Keywords: Future Banking, Digital Transformation, Open Banking, Banking Transformation, Indonesia Banking
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Harahap, Haddad" Ulum, and Rijal Allamah Harahap. "Literature Study of Riba In Banking." International Journal of Economics and Management 1, no. 01 (January 1, 2023): 30–36. http://dx.doi.org/10.54209/iem.v1i01.6.
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The purpose of this article is to understand the history of banks usury and banks usury. From the results of the literature conducted, it seems that there are three opinions on the question of whether a bank's interest is usury. Second, it accepts interest because it is not equivalent to the usury prohibited by Islamic law. Third, bank interest is haram, but it is acceptable because there is no way around it. Muslim scholars and scholars still disagree on the following bank interest laws: Abu Zafra, Abu Ala Al Maudi Abdullah Al Arabi, and Yusuf Kardawa said that interest on traditional banks is included in the nasty Nassia class banned by Islam. Ulama's fatwa on the ban on bank interest was actually established at the Islamic Research Conference, attended by 150 prominent scholars, at the second conference in Cairo, Egypt, in May 1965. Since then, various international and domestic ulama forums have issued fatwas banning bank interest.
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Easa, Nasser Fathi. "Knowledge Management at Banking Industry." International Journal of Customer Relationship Marketing and Management 10, no. 2 (April 2019): 21–34. http://dx.doi.org/10.4018/ijcrmm.2019040102.
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The present research reviews the literature had been done on knowledge management (KM) in the banking industry in different countries and provides further guidelines to ensure successful implementation of KM in banks. The findings indicated that the application of KM in banks started at the World Bank in 1996 and was followed by banks in several developed countries then spread out to different places in developing counties. The majority of banks in Western developed countries such as the UK and USA, Canada and Germany, are both human- and technology-oriented in terms of managing knowledge. The majority of KM studies in developing counties were exploratory using quantitative data to investigate to what extent these banks were aware of the importance of KM and how they practiced KM. Additionally, little research had been done to link KM in banks to different topics such as innovation, customer relation management and risk management. Finally, literature provided considerable conclusion to enhance effective KM implementations in banks.
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Busta, Ilduara. "Corporate governance in banking: A survey of the literature." Corporate Ownership and Control 7, no. 3 (2010): 368–86. http://dx.doi.org/10.22495/cocv7i3c3p4.
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The aim of this paper is to explain the particular characteristics of the corporate governance of banks and its role for good bank performance. In order to do that, it reviews the existing literature on this issue trying to answer three main questions: (i) Why are banks different? Existing research points at diverse features, such as, regulation, supervision, capital structure, risk, fiduciary relationships, ownership, and deposit insurance, that would make banks special and thereby influence their corporate governance. (ii) What is different about bank governance? According to past studies, banks’ boards of directors are larger, more independent, have a superior number of committees and meet more often, but seem to play a weaker disciplinary role. Executive compensation would be higher in banking, but pay-performance sensitivity appears lower. (iii) What works for banks? Larger boards, more concentrated ownership structures and certain levels of managerial shareholdings are the principal factors suggested by the empirical evidence to date that seem to lead banks to higher performance.
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Sharma, Sakshi. "Digital Disruption in Banking: A Comparative Analysis of Neo Banks and Traditional Institutions." International Journal of Management and Development Studies 13, no. 3 (March 31, 2024): 01–12. http://dx.doi.org/10.53983/ijmds.v13n3.001.
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Purpose- This research aims to conduct a comparative analysis investigating the influence of neo-banks on traditional banking systems. It seeks to bridge the gap in understanding the dynamic changes occurring in the banking sector, particularly with the emergence of neo-banks, by analyzing existing literature and examining potential consequences for conventional banking models. Methodology- To accomplish the research objective, a methodical approach is employed, combining qualitative examination of current literature with quantitative data collection. The study focuses on key variables such as transaction value and user trends to provide a comprehensive understanding of the dynamics between neo banks and traditional banks. Findings- The analysis highlights significant disparities in the business models of neo banks and traditional banks, along with the profound impacts of technical advancements implemented by neo banks. Additionally, the study evaluates the strategic reactions of traditional banks to the rise of neo banking, including efforts to modify business models and enhance digital capabilities. Conclusion- This research enhances comprehension of the dynamic interplay between neo banks and traditional banks, offering insights into the challenges and opportunities facing the banking sector in the digital era.
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Alandejani, Maha. "An Overview of Efficiency and Profitability in Islamic Banking: A Comparative Study between Islamic Banking and Conventional Banking." Social & Management Research Journal 19, no. 1 (February 28, 2022): 209–34. http://dx.doi.org/10.24191/smrj.v19i1.17675.
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Islamic banks are similar to conventional banks, but differ in some practices, financial contracts, and transactions. The functions and transactions of Islamic Banking and Finance (IBF) are based on Sharia principles, which involve risk sharing. Therefore, there is a significant difference in the applications of lending and investment between Islamic and conventional banks. This review paper aims to map IBF- measurement that related to efficiency and profitability issues, by presenting briefly the nature of IBF, including the prohibition of interest and gambling, with the definition of IBF instruments. It reviews the most valuable existing empirical literature that investigated the efficiency and profitability of Islamic banking, which shows that the business model and techniques for measuring performance in Islamic banking does not differ significantly from that of conventional banking. This paper also discusses the critical terms in the financial methods that are used in IBF studies. It is found that the objectives of profit maximisation and cost minimisation are not vital for IBF and the performance of Islamic banks should be evaluated with indication of the level of promoting socio-economic development. Our finding concludes that, the social objectives of Islamic banks can be achieved after adapting new structures, not only for Islamic banks, but also for central banks, and banking regulations
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Massab, Khizra, and Dr Danish Ahmed Siddiqui. "Role of Islamic Banks in Increasing Financial Inclusion: A Systematic Literature Review." International Journal of Experiential Learning & Case Studies 9, no. 1 (June 30, 2024): 165–93. http://dx.doi.org/10.22555/ijelcs.v9i1.1125.
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This article investigates the contribution of Islamic banks to enhancing access to financial services by looking at their unique method of offering Sharia-compliant goods and services. Islamic banking principles, the study claims, encourage profit-and-loss sharing and forbid riba (interest), which increases access to financial services, particularly for devout Muslims. In particular, this paper looks at how Islamic banks affect financial inclusion in Southeast Asia, the Middle East, and North Africa. This is accomplished by assessing academic literature, industry reports, and statistical data. It looks at potential substitutes, including mobile banking and microfinance, to reach those who need access to traditional banking services and delves into the difficulties Islamic banks have, such as a lack of knowledge about money and location. Data indicate that Islamic banks support economic development and stability by establishing trust via Sharia governance structures. In its last part, the report offers some suggestions on how governments may utilize Islamic banking to increase public access to financial services and promote social change.
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Kleff, Volker, and Martin Weber. "How Do Banks Determine Capital? Evidence from Germany." German Economic Review 9, no. 3 (August 1, 2008): 354–72. http://dx.doi.org/10.1111/j.1468-0475.2008.00437.x.
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Abstract We analyse whether the determinants of capital found in the previous literature hold for the special German banking sector comprising three characteristic banking groups including savings banks, cooperative banks and other banks, which differ regarding their ownership and their access to the capital market. Through the use of accounting data from German banks between 1992 and 2001 we find evidence in accordance with the buffer theory of capital for all German banking groups. Furthermore, we also detect some remarkable differences between the three banking groups regarding their determination of capital due to institutional characteristics.
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Alshater, Muneer Maher, Ashraf Khan, Mohammad Kabir Hassan, and Andrea Paltrinieri. "Islamic Banking: Past, Present and Future." Journal of College of Sharia & Islamic Studies 41, no. 1 (December 2022): 193–221. http://dx.doi.org/10.29117/jcsis.2023.0351.
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Purpose: The Islamic banking literature has been growing rapidly in the last decade. The aim of this study is to carry out a retrospective hybrid review to reveal this literature’s influential scientific actors (countries, institutions, journals, authors and documents), identify and discuss its most important streams, and finally, present a future research agenda. Methodology: We use a bibliometric approach, performing a review and objective analysis of 1,304 articles dealing with Islamic banking published during 1983–2021. We apply citation, keyword, and coauthorship analysis, as well as bibliographic coupling via VOSviewer software and Biblioshiny (an R package). Findings: We identify the influential aspects in the literature and discuss four important research streams: (1) overview, growth, and legal framework of Islamic banks; (2) Islamic banks’ performance and risk management practices; (3) customer and marketing perspectives of Islamic banking; and (4) the dynamics of efficiency in Islamic banks. Originality: This is one of the first studies to apply state-of-the-art methodology to review the literature related to Islamic banking and to highlight the dynamics of Islamic banks while presenting an extensive future research agenda.
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Harsono, Mugi, and Vivin Zulfa Atina. "Islamic Banking Literature Review. Is Islamic Banking in Accordance with Sharia Principles?" Amwaluna: Jurnal Ekonomi dan Keuangan Syariah 7, no. 1 (January 31, 2023): 116–32. http://dx.doi.org/10.29313/amwaluna.v7i1.11023.
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The purpose of this study is to explore the meaning and issues of Islamic banking between 2012 and 2022. Data acquisition based on Scopus and Google Scholar databases using systematic literature reviews (SLR). We identified the need for SLR in Islamic Banking publications. The purpose of this study is to overcome differences in viewpoints in the context of Islamic banking to provide a clear classification view of the resulting research articles. This article highlights the current collaboration between the authors, to identify gaps in the review of Islamic banking literature. This research is a descriptive qualitative research by explaining the meaning and issues of previous research based on the similarity of titles and related differences to find results that are more relevant to the current condition of Islamic banking. The result of the study found that researchers generally define Islamic banks as banks based on sharia principles that promote mutual prosperity and optimal social achievement.
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Lodhi, Rab Nawaz. "Awareness, Understanding, and Usage of Islamic Banking Products and Services: A Case of Customers' Satisfaction Towards Islamic Banking in Pakistan." Islamic Banking and Finance Review 7 (December 31, 2020): 1. http://dx.doi.org/10.32350/ibfr/2020/0700/757.
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The Islamic banking sectors in Pakistan are experiencing a challenging phase of progress due to intense competition with conventional banks. The primary purpose of this study is to articulate the literature of Islamic banking in Pakistan by investigating the influence of the level of awareness, understanding and usage of Islamic banking products and services on the satisfaction level of its account holders. For achieving this objective, a sample of 400 respondents is chosen through purposive sampling technique from the target population from Islamic banks in Pakistan. The calculated results of PLS-SEM Bootstrapping and SPSS revealed a significant and positive influence of the awareness and understanding level of account holders of Islamic banks on their satisfaction levels. However, the Islamic bank usage by account holders has no impact on their satisfaction level due to the provision of less innovative products and services as compared to conventional banks. This study thus enhances the literature regarding the aforementioned aspects of customer satisfaction. It simultaneously draws an attention to the area that is suitable for the prosperity and progress of the Islamic banking system of Pakistan. The results of this study also give valuable information and helpful guidelines for Islamic banks to formulate innovative strategies of products and promotional policies to retain and attract potential customers. Though this study is broadening the scope of Islamic banking literature, it is not considering the scenario of conventional banks. Islamic banks can manage and enjoy the competitive edge if similar information about conventional banking is available for comparison purposes, which provides the scope of study in future research.
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Soehaditama, Josua Panatap, Adler Haymans Manurung, and Nera Marinda Machdar. "Shadow Banking and Commercial Banks: Mini Review." Jurnal Ekonomi dan Bisnis Digital 2, no. 3 (August 31, 2023): 943–48. http://dx.doi.org/10.55927/ministal.v2i3.5294.
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The purpose of this article is to see the relationship between two variables from existing research results with review literature. The method used is qualitative with a literature review of scientific articles looking for relationships between variables used in this article. Literature review sources come from articles from journals, books, and scientific papers. Shadow banking and commercial banks are two things that exist in the banking world today, the results of research on this variable have not been too much so that with the results of research from this article finished adding a different reference and colour even with the description of several scientific articles from journals, books, and others. There is a significant influence from the results of several scientific articles, including (Tang & Wang, 2015), (Tan, 2017), and (Zhu et al., 2019). Other researchers may continue with the same research variables at some other time, and this article does not refute or counter, only add colour to the results.
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Asiyah, Binti Nur, M. Ridlwan Nasir, and Muhamad Ahsan. "Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review." IQTISHADIA 12, no. 2 (October 23, 2019): 173. http://dx.doi.org/10.21043/iqtishadia.v12i2.5641.
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<p class="Normal1">Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia.</p><p class="Normal1"> </p><p class="Normal1">Methode - This desk research was based on many relevant studies advanced in the literature. The review was particularly focus on Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used to sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g. Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries.</p><p class="Normal1"> </p><p>Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks need to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important of sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well.</p><p class="Normal1"> </p><p class="Normal1">Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks.</p><p class="Normal1"> </p><p class="Normal1">Practical implications – The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking .</p><p class="Normal1"> </p><p class="Normal1">Social implication- The social implication of this study to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks.</p><p class="Normal1"> </p><p class="Normal1">Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to develop Islamic prudential banking and to be implemented by the banking and the regulators</p><p class="Normal1"> </p>
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Mohamud, Hussein Abdi, and Masud Ali Farah. "The Impact of E-Banking on Commercial Banks: A Literature Review." International Journal of Membrane Science and Technology 10, no. 5 (October 9, 2023): 504–12. http://dx.doi.org/10.15379/ijmst.v10i5.2535.
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The banking industry has enjoyed the ride of emerging technology to undergo significant changes. Banks are among the biggest beneficiaries of the IT revolution and have largely adopted Information Technology solutions for rendering banking services to their customers. The primary objective of this study is to examine the existing literature regarding the impact of E-banking on commercial banks and to identify gaps within the current body of knowledge. The published studies between 2018 and 2022 were evaluated. Researchers evaluated the eligibility of the studies, extracted data from the included studies, and assessed the risk of bias and quality of the study in an independent manner. Initially, 949 references were retrieved, but ultimately, only 10 articles satisfied the inclusion criteria for the analysis and were deemed eligible. All selected articles' objectives, methodologies, outcomes, and recommendations have been analyzed and synthesized. Based on the evaluation and analysis of the articles, The implementation of electronic banking has brought about a multitude of advantages for commercial banks. Some of the benefits encompassed in this list are financial savings achieved via the implementation of automated processes, enhanced levels of consumer interaction and contentment, and the ability to extend market presence to segments that were previously neglected. Moreover, the advent of digitalization in the banking industry has facilitated banks in accommodating evolving client expectations and effectively competing in an ever-expanding digital landscape. However, the findings derived from this comprehensive examination of existing literature provide a fundamental basis for future research and informed decision-making processes. Consequently, these insights empower commercial banks to prosper within the ever-evolving and technologically advanced financial landscape of the 21st century.
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Lydiana, Yessie Fransiska, Aurik Gustomo, and Yuni Ros Bangun. "Future Banking In Digital Transformation (DX) Dimension: A Literature Review." GATR Journal of Finance and Banking Review Vol. 7 (1) April - June 2022 7, no. 1 (June 29, 2022): 59–70. http://dx.doi.org/10.35609/jfbr.2022.7.1(4).
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Objective – Customer changes in behaviour during the COVID-19 pandemic prompted banks to swiftly adopt digital transformation systems. Banks work towards a digitalisation of the industry by employing information technology in the financial sector. Methodology – The digital transformation brings opportunities as well as challenges. This study aims to enrich the study of DX, specifically in banking, by profiling future banking from the viewpoint of digital transformation. This study used the review method by consulting 21 articles that were complied with inclusion criteria. Findings – The findings showed that digital transformation has affected banking in some aspects, including the development of facility and equipment, application design, services and products, security and privacy protection, big data, policy and regulations, innovations, consumer satisfaction, as well as stock returns. Novelty – Based on this literature research, a future agenda can be prepared, including the drivers for future banking, the workforce profile for future banking, as well as the organization design for future banking. Type of Paper: Review JEL Classification: F65, G15, G21 Keywords: Future Banking; Digital Transformation; Open Banking; Banking Transformation Reference to this paper should be made as follows: Lydiana, Y.F; Gustomo, A; Bangun, Y.R. (2022). Future Banking In Digital Transformation (DX) Dimension: A Literature Review, J. Fin. Bank. Review, 7(1), 59 – 70. https://doi.org/10.35609/jfbr.2022.7.1(4)
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Baliga B.S., Anupa, and Carmelita Goveas. "FINTECHS AS A GAME CHANGER IN BANKS-LITERATURE REVIEW AND RESEARCH AGENDA." International Journal of Advanced Research 11, no. 12 (December 31, 2023): 444–65. http://dx.doi.org/10.21474/ijar01/18005.
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Purpose:As technology and innovation advance, the world economy is always changing. Due to the recent upheaval in the banking sector brought about by digital technology, banks are now refocusing their business strategies in favor of e-banking. Fintech is the application of technological advances to create novel business models built on a wide range of creative concepts. It has developed additional services to more effectively address client demands at the most affordable pricing.Initially displacing banks due to their reduced operating costs, fintech startups are now collaborating with them to grow their revenue and clientele. Methodology/Approach:The literature reviews objective is to analyze the concept of fintech and how it works in the sector of banking. Findings:Fintech startups are now seen by banks as enablers rather than competitors. By collaborating with fintech firms, banks may instantly increase the services they offer. Banks should adopt Fintechs more proactively to continuously boost their profitability. It is essential to examine the profitability of banks utilizingfintech as it enables financial institutions to make data-driven choices, improve operational efficiency, manage risks, and develop a more customer-centric approach. Originality/Value: In the continuously changing financial landscape of today, assessing how fintech affects bank financial performance cannot be overlooked and it is crucialas it continues to gain popularity. Paper Type:Conceptual Research.
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Isman, Ainul Fatha, Ega Rusanti, and Armin Rusli Makatita. "Development Aspects of Post-Merger Islamic Banks: A Systematic Literature Review." Perbanas Journal of Islamic Economics and Business 3, no. 2 (July 31, 2023): 85. http://dx.doi.org/10.56174/pjieb.v3i2.124.
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Banking plays the role of a financial intermediary and is also considered to have a central position in the economy. The strategy pursued by Islamic banking is to merge with the aim of improving various aspects of it. This study aims to analyze the important aspects of Islamic banking, especially post-merger. This study uses qualitative research with the A Systematic Literature Review (SLR) approach. Data collection was carried out by surfing the internet from Google Scholars and Emerald. The research data population is journals with a focus on aspects of development in post-merger Islamic banking as many as 25 indexed journals from various publishers or journal publishers. According to the findings of this study by a systematic literature review show that several aspects that need to be improved after the merger are Profitability, Shariah Compliance, Technology, Human Resources, Management, Business and Marketing, and Efficiency. Humam resources aspect is a dominant aspect in building a positive image of sharia banking has escaped his attention after merger. This research implies to shariah banking for know the urgency of increasing post-merger and to be improve several aspects for development the Islamic bank in Indonesia.
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Husni Shabri. "Transformasi Digital Industri Perbankan Syariah Indonesia." El-Kahfi | Journal of Islamic Economics 3, no. 02 (September 10, 2022): 1–7. http://dx.doi.org/10.58958/elkahfi.v3i02.88.
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Digital banking transformation is an important issue in the banking industry today. Digital disruption has changed the way people do business and transact. However, there are still many problems faced in carrying out digital transformation. The purpose of this study is to analyze the digital transformation process in the Islamic banking industry in Indonesia and its impact on the development and growth of Islamic banks. The research method uses descriptive qualitative approach with Systematic Literature Review. Data were collected from scientific literature references, books and reports from official institutions. The results of the study indicate that the process of accelerating digital transformation in Islamic banking is accelerated by the COVID-19 pandemic. This condition requires Islamic banking to make digital transformation a priority and strategy in an effort to increase bank competitiveness. Digital transformation has an impact on the development of Islamic banks with the increasing number of customers and total assets, many Islamic commercial banks providing digital services and the existence of Islamic banks that operate purely digitally.
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Dang, Van Dan, and Hoang Chung Nguyen. "Uncertainty and Banks’ Security Holdings." Indonesian Capital Market Review 14, no. 1 (January 31, 2022): 1–15. http://dx.doi.org/10.21002/icmr.v14i1.1137.
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The paper enriches the existing literature on financial intermediaries’ operations in the face of uncertainty by empirically examining the impact of banking uncertainty on banks’ security holdings. Using bank-level data in Vietnam during 2007–2019 to compute a micro uncertainty proxy based on the dispersion of bank shocks, we document that banking uncertainty tends to enhance total security holdings at banks. Decomposing aggregate securities into disaggregate components, we find that safer investments (including government bonds and financial institution bonds) dominate the overall impact of banking uncertainty on security holdings, which completely offset a drop in the volume of riskier investments (including corporate bonds and stocks) in times of higher uncertainty. Furthermore, our analysis reveals that the impact of banking uncertainty on all security holdings is stronger at riskier banks, thereby implying that bank behavior is likely attributable to the precautionary motive.
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Aprinandhi, Muhammad Dwi. "CUSTOMER LOYALTY TO SHARIA BANKING." AJAR 6, no. 01 (February 28, 2023): 104–15. http://dx.doi.org/10.35129/ajar.v6i01.394.
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Islamic banking operates according to Islamic principles, does not charge interest in each of its activities, and applies profit sharing. This study aims to find out how consumer loyalty toward Islamic banking. This study uses a literature review research method to conclude customer loyalty toward Islamic banking. This study found that generally, consumer loyalty toward Islamic banking is due to Islamic banking being affiliated with religion, informative marketing campaigns carried out by banks, banking brands, and reputations that have emotional ties with consumers, and trust in products and services offered by banks, as well the unique characteristics based on sharia law, not because of the rate of return provided by Islamic banking. This study also shows that the implementation of CSR influences customer loyalty in Islamic banking carried out by banks and becomes the basis for recommending Islamic banking to others.
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Ayeni, Akintunde, Oloruntoba David, and Arandong Jamok. "INTERNET BANKING AND FINANCIAL INTERMEDIATION IN THE NIGERIAN BANKING INDUSTRY." International Journal of Operational Research in Management, Social Sciences, and Education 8, no. 1 (2022): 45–62. http://dx.doi.org/10.48028/iiprds/ijormsse.v8.i1.04.
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The acceptance and deployment of internet banking service is expected to improve financial intermediation banking system by reducing cost of transactions, enhancing liquidity and increased financial intermediation. However, this is a far cry to what is being experienced in the Nigerian banking industry, as credit flow from banks have been on the decline. It has been revealed that the total credit from banks to the economy recorded a decline of #135.8bn from #15.74tn at the end of the fourth quarter of last year to #15.6tn in the first three months of 2020. These revelations suggest that Nigeria’s economic growth trajectory has been diminutive, as individuals have found it difficult to have access for either start-up or expansion of their businesses from banks. On this premise, this study was carried out to investigate the effect of internet banking on financial intermediation. In a clear departure from existing literature, the study factored in the moderating effects of interest rate and cash reserve ratio, which hitherto has been identified as key impediments to bank intermediation. Data was collected from 2009 to 2020 on monthly bases from the Central Bank of Nigeria (CBN) for the variables; financial intermediation (measured as ratio of currency outside banks to broad money supply), interest rate, cash reserve ratio and internet banking service for all commercial banks in Nigeria. Linear Regression models were formulated to achieve the stated objectives. Findings revealed that internet banking service has a negative insignificant effect on financial intermediation, the interaction between internet banking and interest rate has a positive insignificant effect on financial intermediation while the interaction between internet banking and cash reserve ratio has a negative insignificant effect on financial intermediation. It was recommended among others that the Central bank of Nigeria should make efforts to alleviate the cost of internet banking borne by banks. This will certainly reduce the burden on banks and make more money available for intermediation.
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Šalić, Radomir. "The relationship between deposits with banks loans depends on the size of the banks' (case study of Serbia)." Revizor 24, no. 95-96 (2021): 51–56. http://dx.doi.org/10.5937/rev2196051s.
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Deposits are the cheapest funds obtained by a bank which are mostly invested in loans. The objective of the paper is to identify if there is any difference in correlation between deposits and loans among commercial banks of different sizes. This paper contributes to the existing banking literature by exploring the strictly regulated banking industry and is one of the few to investigate the correlation between deposits and investments in commercial banking in general.
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Sayım, Ferhat. "The Role of Participation Banking as Alternative Financing Channels to Substitute for Deposit Banks and its Growth in the Turkish Finance Market - Period: 2007-2015." EMAJ: Emerging Markets Journal 7, no. 1 (September 22, 2017): 47–52. http://dx.doi.org/10.5195/emaj.2017.106.
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Financial systems and companies have become the most important reasons in the weakness of world economic system. The formation and development process of the financial structure also constitute the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the solutions in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system are named participation banks. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in practically every regulation related to banking terms and get their legal infrastructure more steady in the banking legislation of Turkey. This study is a continuation of a series related to the situation of participation banking in Turkey. On the other hand, the literature and the history of participation banking have been given less attention in this study. Literature information on methods in participation banks has been described in previous work of the series. Two analyzes were conducted in this study. One analysis is interpretive analysis that expresses the situation of applications of participation banking against banking risks. The other is an analysis of the figures of participation banks in Turkey as a continuation of the series. This study is a 2007-2015 part of research series. The study tries to explore the place and the importance of participation based banking with the various sub-headings, especially in Turkey. For this reason, we examine the comparative review 2007-2015 data of participation banks which are composed of Total Assets, Equity Net Profit, Collected Funds and Bank Loan Funds. Then we compare the total figures with deposit banks for the same period in Turkey.
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Nuryana, Ida. "Analysis of Digital Transformation and the Future of Banking: Challenges and Opportunities in an Era of Technological Advancement." JMK (Jurnal Manajemen dan Kewirausahaan) 9, no. 1 (May 19, 2024): 51. http://dx.doi.org/10.32503/jmk.v9i1.4565.
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Abstract Digital transformation has had a significant impact on the banking industry, influencing the way banks operate and interact with customers. In the current era of technological advancement, banking faces new challenges and unlimited opportunities. This study aims to analyze digital transformation for the future of banking, focusing on the challenges and opportunities faced. The research method used is literature study and secondary data analysis. The research results show that digital transformation has changed the banking landscape in various ways. The main challenges faced by banks are data security and privacy, rapid technological developments, changes in consumer behavior, and increasingly fierce competition. To overcome this challenge, banks need to adapt quickly and develop innovative strategies. Overall, digital transformation brings challenges and opportunities for banking in an era of technological advances. Banks that are able to overcome these challenges and take advantage of existing opportunities will become leaders in the future banking industry. Keywords: Banking;Digital Transformation;Technologi.
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Menrad, Michael. "Systematic review of omni-channel banking and preview of upcoming developments in Germany." Innovative Marketing 16, no. 2 (June 22, 2020): 104–25. http://dx.doi.org/10.21511/im.16(2).2020.09.
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Banks have not come to rest since the 2008 banking crisis and have been struggling for their future ever since. In addition to serious market distortions, there are increasingly digital challenges and investments in the banks’ platforms to remain competitive and continue to meet customer requirements. Other industries are showing the banks how to do it and investing heavily in the networking of distribution channels to form an omni-channel system, as this is where all interfaces converge. The banking industry has also recognized this groundbreaking approach in the distribution channel. Academic literature is also increasingly examining omni-channel management, but studies in the banking industry are still sparse. This study uses multi-method research in the form of a systematic literature review and semi-structured qualitative bank expert interviews to examine omni-channel management in the banking industry. Thereby, the state of scientific research and the future objectives of the banks are analyzed. Bank experts in Germany explain what bank customers will expect, how far German banks have progressed in implementing an omni-channel system, and how the bank-customer relationship will change. Findings show that banks will completely transform their distribution by omni-channel management by breaking with existing structures and creating a new customer experience and higher customer value. The paper provides critical insight into what omni-channel integration means for the banking sector.
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Putra, Danang Adi, and Amanda Alvi Nurdiantoro. "Determinant Profitability of The Islamic Banking Industry inIndonesia: Literature Review." Jurnal Akuntansi 14, no. 2 (June 30, 2024): 171–80. http://dx.doi.org/10.33369/jakuntansi.14.2.171-180.
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The growth of the Islamic banking industry in Indonesia can be attributed to the increasing public awareness of sharia principles in financial activities and strong government regulatory support, which includes regulations covering aspects ranging from capital requirement to operational procedures. it is evident that Shariah banks have the potential to thrive in the financial sector through strategic initiatives and a commitment to their core values. By leveraging technology and innovation, enhancing risk management practices, diversifying revenue streams, and strengthening governance and compliance processes, Shariah banks can position themselves for sustainable growth and success in the future. It is essential for Shariah banks to continue adapting to the changing landscape of the financial industry while staying true to their principles in order to maximize their profitability and impact.
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Ge, Yan. "Macroeconomic Effects and Regulatory Responses to Shadow Banking: A Literature Review." Advances in Economics, Management and Political Sciences 71, no. 1 (January 18, 2024): 226–32. http://dx.doi.org/10.54254/2754-1169/71/20241503.
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This review offers an exhaustive exploration of the shadow banking system, from its conceptual foundations to its operational intricacies. Originating as non-traditional banking entities, shadow banks have come to play a pivotal role in global finance, facilitating credit intermediation, liquidity provision, and risk distribution. While introducing innovation and additional liquidity, they also present challenges, notably evident during the 2007-2009 financial crisis. This paper delves into the functions and operations of shadow banks, the inherent vulnerabilities they introduce to the financial system, their impact on macroeconomic stability, and the evolving regulatory landscape. With a blend of theoretical insights and empirical analyses, the review sheds light on the complexities of shadow banking and the imperative for informed regulatory responses.
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Nasri, Wadie. "Acceptance of Internet Banking in Tunisian Banks." International Journal of E-Business Research 17, no. 3 (July 2021): 22–41. http://dx.doi.org/10.4018/ijebr.2021070102.
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The purpose of this study is to examine the factors which affect internet banking adoption acceptance in Tunisian banks by using the modified unified theory of acceptance and use of technology (UTAUT) model by adding attitude, trust, perceived risk, and perceived internet banking services quality. The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, attitude, facilitating conditions, social influence, and perceived internet banking services quality show a significant positive impact on the users' behavioural intention to use internet banking services. This study contributes to the literature by providing a new research model for understanding internet banking adoption in Tunisia, and its findings provide useful guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.
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Lone, Fayaz Ahmad, and Ulfat Rashid Bhat. "Does the tag “Islamic” help in customer satisfaction in dual banking sector?" Journal of Islamic Marketing 10, no. 1 (March 4, 2019): 138–49. http://dx.doi.org/10.1108/jima-11-2016-0084.
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Purpose The purpose of this paper is to find out the importance of the tag “Islamic” in the title of banks. This will help to determine the future strategy of Islamic banks, while expanding to the countries where Islamic banking is seen as a religious banking and not an as an alternative approach to the conventional banking. Design/methodology/approach Adopting convenience sampling, a total of 596 customers of both Islamic and conventional banks were surveyed from four regions of Saudi Arabia (Makkah, Madinah, Riyadh and Dammam) using a self-structured questionnaire on a five-point Likert scale. Findings The results concede that Islamic banks without the tag “Islamic” and conventional banks have same customer satisfaction. There are some factors other than the tag “Islamic” which are driving customers towards Islamic banking. Those factors include physical aspects of the bank, level of satisfaction with the services, dealing and attendance by the staff and safety and security of the bank. Besides, the application of fundamental principles of Islamic banking works as a key motivation for customer satisfaction with Islamic banking. Practical implications Applying the tag “Islamic” is not as important as implementing the principles of Islamic banking. Islamic banks can survive and compete well even without using the “Islamic” tag if they implement the prime principles of Islamic banking and work on improving the factors highlighted by this study. This study can prove to be helpful in the expansion of Islamic banking in the countries where religious banking is not generally preferred by customers. Originality/value This is the first study to find out the customer satisfaction in a dual banking system (comprising of conventional banks and Islamic banks that do not use the tag “Islamic”), thereby filling the existing gap in the Islamic banking literature.
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Çabucak, Ersin. "Dünyada Katılım Bankacılık Sistemi İle İlgili Örnekler." Journal of Social Research and Behavioral Sciences 8, no. 16 (October 9, 2022): 716–27. http://dx.doi.org/10.52096/jsrbs.8.16.49.
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Participation banking system in the world In today's world, they are engaged in many banking activities performed by traditional banks within the financial system, as well as commercial activities such as leasing, insurance, exchange. Participation banks perform all transactions and activities performed by traditional banks using different methods, provided that they do not contradict their basic standards. The main purpose of such banking services is to include the mutual liquidity and savings of individuals and institutions that are sensitive to interest in the national economic system within the framework of interest-free financial principles. Due to the fact that the current banks take profit-loss partnership as a basis instead of interest when performing these services, this type of banking model has entered the literature as an interest-free banking system. Interest has nothing to do with all these kind of organizations which perform different banking services banks to a certain extent with the procedures and principles to the existing alternatives, to a lesser extent, the interest in the aging existing banking activities in the system for not doing that by completing them adds depth and diversity to the financial sector organizations. Key Words: Global Financial System, Participation Banking, Interest-Free Banking
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BISHNOI, Ishu, and Narinder Singh MALLIK. "India’s Banking Market Structure: Impact Assessment of Bank Consolidation." Eurasian Journal of Business and Economics 17, no. 33 (May 30, 2024): 113–31. http://dx.doi.org/10.17015/ejbe.2024.033.06.
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The present study aims to extend the existing literature on measuring competition by including recent bank consolidation in India. Unlike existing literature, the study goes in-depth to account for the asymmetric behavior of bank competition owing to ownership, size, scale, efficiency, and pre/post-global financial crisis. The study takes the unbalanced panel data of Indian banks from 1995-2021 and utilizes the nonstructural approaches- Lerner Index, PRH statistic, and Boone Indicators to measure the bank competition. The study finds the asymmetric level of competition across ownership, size, profitability, and inter-temporal- before and after the global financial crisis. It finds that the smallest banks experienced lower competition during 2006-2021, whereas the largest banks behaved competitively. Similarly, the lowprofit banks have noted a higher level of competition than the high-profit-making banks, indicating the role of structure in bank performance. The less efficient banks have reported higher competition. Using PRH statistics, it was found that the Indian banking industry experiences monopolistic competition. The findings hail that the private sector banks and more extensive holdings are exhibiting a higher level of competition compared to the public sector banks. For the Boone indicator, the study finds a modest level of competition in line with the World Bank's estimation.
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Huljak, Ivan. "Shareholder value in Croatian banking sector." Croatian Review of Economic, Business and Social Statistics 5, no. 1 (May 1, 2019): 1–8. http://dx.doi.org/10.2478/crebss-2019-0001.
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AbstractThe view on banks as investments in Croatia is challenged by two phenomena: dual holdings (owners are intensely involved in bank balance sheet as, apart from equity, they provide a significant portion of deposits and loans) and the impediments to determining the cost of equity (as only a handful of banks are traded and with questionable liquidity in the capital market). The paper contributes to the literature by applying the panel regression on the translog cost function in order to calculate the shadow cost of equity for banks in Croatia for the period from 1994 to 2016. In the next step, the Economic Value Added was calculated by taking into account the dual holding role of bank owners. The results suggest that the shareholders economic value is significantly different from the accounting value. In addition, it seems that the standard view that domestic banks are less profitable than foreign banks is only valid from the accounting perspective.
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Alali, Shireen Mahmoud, George Nasser Shawaqfeh, and Mohammed Abd-Akarim Almomani. "Bank Profitability Indicators in the Context of Modern Technology: A Comparative Study (Commercial Banks, Islamic Banks)." Revista de Gestão Social e Ambiental 18, no. 9 (April 29, 2024): e06112. http://dx.doi.org/10.24857/rgsa.v18n9-034.
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Purpose: The aim of the current study is to identify profitability indicators in commercial banks in light of modern technology compared to Islamic banks. Method/design/approach: To achieve the study objectives, descriptive approach methods were followed, after-tax profitability indicators were used during 2018-2023 in which banking technology became widespread in specially in Islamic banks. Results and conclusion: The research uncovered variations in profitability metrics between commercial banks and Islamic banks from 2020 to 2022, with consistency observed in subsequent years. Based on these findings, the study delineates several recommendations. Research implications: In this study comparing the profitability measures of banks looking at Islamic banks in the context of technology it provides valuable insights, for making strategic decisions in banking sector and finance. The findings from this study can guide customized strategies to use progress for improved profitability and competitiveness, in both types of banking institutions. Originality/value: By exploring how these two distinct banking models navigate and leverage modern technology to enhance profitability, this study provides insights into the intersection of finance, technology, and banking practices. This fills a crucial gap in existing literature and offers valuable implications for practitioners, policymakers, and scholars seeking to understand and optimize banking strategies in the digital age.
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EL-Ansary, Osama, and Mohamed Saleh. "Predicting Egyptian Banks Distress." International Journal of Accounting and Financial Reporting 8, no. 3 (July 24, 2018): 39. http://dx.doi.org/10.5296/ijafr.v8i3.13344.
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Purpose – the main purpose of the study is to investigate an accurate prediction method for banking distress applied on a set of Egyptian banks.Methodology - the researchers have compared the prediction accuracy of the discriminant analysis and logistic regression model, to choose the most appropriate one. The data has been collected from the “Bank scope” data base and for the period of 2002–2016.Findings – the results of the study revealed that the predictive accuracy of discriminant analysis outperformed that of the logistic regression model.Originality - The study adds value to the literature as it is one of the few studies that is concerned with predicating the banking financial distress especially in Egypt.
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Ibrahim, Abdiaziz Ahmed, Jamal Mohamud Hussein, and Dayah Abdi Kulmie. "Islamic Banking in Africa: A Booming Market with Growing Pains." International Journal of Religion 5, no. 9 (May 26, 2024): 318–33. http://dx.doi.org/10.61707/3dg7rh70.
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Islamic banking, also known as ethical banking, is a banking system for those who avoid conventional banking due to religious beliefs. It drives the creation of new financial instruments that meet the needs of a wider range of customers, and it is currently accepted as an essential banking model in the global financial landscape. This paper assesses the opportunities and challenges of Islamic banking in Africa using a systematic literature review by examining 19 articles. The paper argues that Africa is the original home of modern Islamic banking practices, and it can become an essential hub for this banking model in the future. The results demonstrate that the Islamic banking market has potential for those seeking expansion and the establishment of Shari’ah banks, as well as promising avenues for the growth of Islamic banking and finance and aligning with the continent's socio-economic dynamics by providing inclusive financial solutions. The findings also demonstrate the existing opportunities, including the large Muslim population, arguing that popularity can drive Islamic banks on the continent, while limited awareness, misconceptions, and legal restrictions are the main challenges for Islamic banks in Africa, hindering public understanding of how Islamic banks work. The paper recommended that Islamic banks should conduct market research, create innovative products, and apply tailored marketing strategies. The study also suggests that governments should recognize Islamic banks as distinct financial institutions in order to better support them.
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Jayasree, M., and Rachappa Shette. "Readability of Annual Reports and Operating Performance of Indian Banking Companies." IIM Kozhikode Society & Management Review 10, no. 1 (August 22, 2020): 20–30. http://dx.doi.org/10.1177/2277975220941946.
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Existing literature focuses on the evaluation of the readability of annual reports of non-banking companies. However, banking companies’ opaque nature and a double motivation to abuse accounting discretion requires a separate study on the readability of banks’ annual reports in association with their performance. We, therefore, attempt to explore firm performance and readability of banking firms’ annual reports in India. Net interest margin (NIM) and Fog Index are used as performance and readability variables respectively. We find that management discussion and analysis (MD&A) of the Indian banks is difficult to read. However, when we compare it with existing literature, Indian banks’ MD&A is difficult but not unreadable. Panel data regression analysis shows that firm performance would have a negative impact on the Fog Index. Further analysis of good and weak performing banking firms shows that the effect of NIM on Fog Index is higher in the case of weak performing banks. Empirical results affirm that firms with weak performance would structure their annual reports to veil adverse information in unfavourable situations. Consistent with the opaque nature of banks and incomplete revelation, managers of banks make MD&A harder to read to cover up the causes of weak performance. Application of readability index in case of banking companies in an emerging economy in association with performance is the contribution of this paper. An assessment of the readability of annual reports is an interesting topic for research to better understand the recent negative developments in Indian banking industry such as high non-performing assets, continuously declining return on assets, sharp increase in banking frauds and poor governance.
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Anggraini, Sindi, and Fasa Muhammad Iqbal. "Analisis Pengaruh Green Banking Terhadap Profitabilitas Bank Umum Syariah Indonesia." Journal of Business Management and Islamic Banking 1, no. 1 (August 31, 2022): 73–88. http://dx.doi.org/10.14421/jbmib.2022.011-05.
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Research Aims: Islamic commercial banks are Islamic banks which in their activities provide services in payment traffic. Islamic commercial banks can operate as foreign exchange banks and non-foreign exchange banks. Foreign exchange bank is a bank that can carry out transactions abroad or related to foreign currencies as a whole, such as transfers abroad, collections abroad, opening letters of credit and so on. The purpose of the study was to determine the effect of green banking on the profitability of Islamic commercial banks in Indonesia and the concept of green banking in an Islamic perspective. Design/methodology/approach: This type of research is quantitative with a descriptive statistical approach, the research methodology used in this study is the method of documentation and literature study. Research Findings: The results of the study show that green banking has a positive effect on the profitability of Islamic Commercial Banks in Indonesia. In the Islamic perspective, all Green Banking Indicators are in accordance with the Islamic perspective as well as the reinforcing arguments about protecting nature and preventing natural damage. Keywords: Green Banking, profitibalitas, Bank Umum Syariah.
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Utami, Pertiwi. "DIGITAL BANKING REFLECTION AND ZAKAT ACCOUNTABILITY SHARIA BANKING IN INDONESIA." DIKTUM: Jurnal Syariah dan Hukum 17, no. 2 (December 17, 2019): 264–79. http://dx.doi.org/10.35905/diktum.v17i2.801.
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ABSTRACT
Digital banking and the accountability of good zakat can increase interest in paying zakat on the benchmarking of sharia. On the other hand, technological advances such as the use of artificial intelligence make the role of human resources shifted. Even though human resources (labor) are one of the potential sources of zakat revenue. Zakat literacy and interest in paying zakat are also low in Islamic banking. The researcher did not find zakat data in statistical reports on Islamic banks nationally. It seems that it was only found in the presentation of reports about the sources and uses of private Islamic bank zakat funds. This can lead to the perception that Islamic banks do not optimally manage zakat. Through literature studies, researchers provide a solution to how zakat management can be done to increase interest in paying zakat but can still maintain the use of human resources (work). The conclusion obtained is that interest in paying zakat on Islamic banks cannot be maximally realized if it is not supported by internal efforts. Efforts that can be made are transparency of zakat reports, increased literacy, acceleration and optimization of digital management of Islamic bank zakat.
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Bagna, Emanuel. "Is There Any Value in the Banks Brand?" International Journal of Business and Management 13, no. 12 (November 27, 2018): 261. http://dx.doi.org/10.5539/ijbm.v13n12p261.
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Traditionally the literature show that public brand value estimates (such as the ones published by Interbrand, Brand Finance or Brand Z), in the context of industrial quoted companies, are incorporated in stock prices, implying that brands significantly contributes to the value generation process in a company. No such study was carried out at the level of the banking sector. This could be due to the attribution of a marginal importance of brands, among other intangible assets, in the banking sector, as highlighted by the literature. In more recent years more and more evidences give evidence of the importance of brands in banking sector; it should be noted that:
- many banks, as a result of the Purchase Price Allocation process - PPA (pursuant to IFRS 3 Business Combinations) consequent to banking aggregations (mergers or acquisitions), have booked in their financial statements (separate or consolidated) brand values;
- reports published by independent parties such as Brand Finance, publishes brand values specifically for the banking sector.
The aim of this article is therefore to assess if the brand contributes to the value generation process in the banking sector. To test our hypothesis we run a regression on a European sample between market capitalization of major banks and their brand value published by independent expert Brand Finance from 2008 to 2017, with a classic value relevance analysis. Our results demonstrate that brand contributes to the value generation process in the banking sector.
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Divino, José Angelo, and Renan Said Silva. "Banking competition in the Brazilian economy." Nova Economia 27, no. 3 (December 2017): 393–419. http://dx.doi.org/10.1590/0103-6351/3094.
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Abstract: This paper applies the Panzar-Rosse model to assess the level of competition in the Brazilian banking sector. The sample covers 62 banks in the period from July 1994 to February 2012. Special attention is paid to the presence of scale variables in the regression, the existence of seasonal components in the financial time series, and the normalization of the price of banking inputs. The inclusion of scale variables in the model and the presence of seasonality in the data tend to erroneously indicate a competitive market structure. Contrary to the literature, in the seasonally-adjusted model without scale variables, the H-statistics indicates that banks in general and specific subgroups are non-competitive in the market. While large banks have high market power, public banks have intermediary market power, compatible with the various kinds of political interference in their management decisions.
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Khan, Nosheen, Muhammad Ramzan, Tasneem Kousar, and Muhammad Aqib Shafiq. "Impact of Bank Specific Factors on Credit Risk: Evidence from Islamic and Conventional Banks of Pakistan." Pakistan Journal of Humanities and Social Sciences 11, no. 1 (March 31, 2023): 580–92. http://dx.doi.org/10.52131/pjhss.2023.1101.0375.
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The impact of credit risk (CR) on bank-specific factors (BSF’s) and banks in the event of conventional and Islamic banks of Pakistan is an essential motivation behind this learning. These banks are chosen by their value commitment. The financial explanation investigation of chosen Islamic and conventional banks is contemplated from 2007 to 2017. Relapse examination of non-performing loan (NPL) proportion and Z-Score is utilized to discover the connections of BSF’s on chosen banks. The Islamic banking system consists of (return on equity (ROE), ROA, liquidity, spread and bank size) having a significant relationship toward credit risk. Therefore, the impact of the Z-score is less for Islamic banks relatively compared to conventional banks. The increased risk of bank debt reflects a strong NPL. In this examination bank, certain factors, for instance, efficiency, return on assets (ROA) and bank dimension, have a significant liaison through credit card risk in the conventional selected banking system, and this process affects overall banking performance. These findings provide valuable insights for policymakers, regulators, and banking professionals to manage credit risk effectively in the context of Pakistan's banking system. The originality of this study lies in its focus on the comparison between conventional and Islamic banks in Pakistan, which has yet to be extensively explored in the literature.
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Yim, Sang-Giun. "The Influence of IFRS Adoption on Banks’ Cost of Equity: Evidence from European Banks." Sustainability 12, no. 9 (April 26, 2020): 3535. http://dx.doi.org/10.3390/su12093535.
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This study examines how mandatory adoption of International Financial Reporting Standards (IFRS) in European countries affects banks’ cost of equity. Supporters of IFRS argue that its adoption improves the quality of accounting information, which in turn decreases the cost of equity. However, banking regulators could intervene in the implementation of new accounting standards to protect the stability of the banking system, which would deteriorate banks’ information environment and thereby increase the cost of equity. Using a regression analysis of European listed bank data, I find that banks’ cost of equity increases after the adoption of IFRS in countries with strong bank supervisory offices. I also find that strong legal enforcement and additional disclosure requirements jointly reduce banks’ cost of equity, but pre-IFRS inconsistencies between local accounting standards and regulatory standards jointly increase banks’ cost of equity. This study contributes to the literature on market discipline in banking and has policy implications: The findings suggest that, when implementing new accounting standards, potential conflicts between financial reporting and banking regulations should be considered.
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Abbas, Ali Abdulhassan, and Anwar Abdul Kareem Hassouni. "Exploring the nexus between banking stability and market value: Evidence from the Iraqi banking sector." Economics, Management and Sustainability 9, no. 1 (May 16, 2024): 21–42. http://dx.doi.org/10.14254/jems.2024.9-1.2.
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Purpose: This study aims to investigate the relationship between banking stability and market value in the Iraqi banking sector, exploring how the stability of banks impacts their market capitalization. Methodology: The study employs a quantitative approach, utilizing financial ratios such as return on assets, equity/assets, and the z-score index to quantify banking stability. Market value is measured using banks' share prices and outstanding shares. A sample of 17 Iraqi banks is analyzed over a four-year period, employing statistical analysis to examine the relationship between banking stability and market value. Results: The findings reveal a positive relationship between banking stability and market value. Banks with strong risk management practices, adequate capital buffers, and effective regulatory oversight inspire greater confidence among depositors and investors, translating into higher market valuations. Conversely, banks facing poor governance, high non-performing loans, and thin capital cushions struggle to achieve stability, eroding their market value. Theoretical Contribution: The study contributes to the existing literature by providing empirical evidence on the crucial role of banking stability in shaping market valuations. It highlights the importance of sound banking practices, regulatory frameworks, and risk management in enhancing investor confidence and, ultimately, the market value of banks. Practical Implications: The findings offer insights for policymakers, regulators, and financial institutions in Iraq and other regions. Promoting banking stability through enhanced prudential oversight, governance practices, risk management capabilities, and financial inclusion can favorably impact the market valuation and development of the banking system.
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Yagubov, Ulvi. "Measuring the efficiency of the banking sector by the method of Data Envelopement Analysis." InterConf, no. 30(143) (February 19, 2023): 70–79. http://dx.doi.org/10.51582/interconf.19-20.02.2023.008.
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This study aims to measure the efficiency of the banking sector using the Data Envelopment analysis technique. In this study, the Data Envelopment Analysis technique was first mentioned, and then a literature study was conducted. On the other hand, data from Azerbaijani banks were used to analyze efficiency in banking. The data of the 10 largest banks in terms of total assets for 2021, which are constantly operating in the Azerbaijani banking sector, were used for our study, and the efficiency analysis of these banks was made. It was decided which inputs and outputs would be used in the analysis by examining previous similar studies. As a result, efficiency values were determined for all banks from 2016 to 2021.
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Gulomkodirova Mamura Saydumarxon qizi. "AN OVERVIEW OF GREEN BANKING PRACTICES IN UZBEKISTAN." QO‘QON UNIVERSITETI XABARNOMASI 9 (December 30, 2023): 121–25. http://dx.doi.org/10.54613/ku.v9i9.851.
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The research draws on existing literature on green banking practices, as well as case studies of banks in Uzbekistan. This approach allowed for a thorough and comprehensive understanding of the topic. The main purpose of this paper is to provide an overview of green banking practices in Uzbekistan, with a focus on mobile banking, online banking, green financing, and guidelines for green banking practices. This paper will also explore the role of green banking in promoting CSR (Corporate Social Responsibility) and will discuss the importance of green banking in Uzbekistan, and the challenges that need to be overcome in order to implement it effectively. The literature review revealed a number of important findings, including the lack of standardized definitions for green banking practices, the challenges faced by banks in implementing these practices, and the benefits that can be gained by doing so. These findings will be further explored in the main body of the paper.
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Nelly, Roos, Saparuddin Siregar, and Sugianto Sugianto. "Analisis Manajemen Risiko Pada Bank Syariah: Tinjauan Literatur." Reslaj : Religion Education Social Laa Roiba Journal 4, no. 4 (February 23, 2022): 918–30. http://dx.doi.org/10.47467/reslaj.v4i4.1008.
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Due to their unique risk profile, Islamic banks face challenges in risk management. This study aims to review the risks faced by Islamic banks. This study explores risk practices through selected literature and describes the risks faced by Islamic banks. The results show that there are several risks faced by Islamic banks including: credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banking is riskier than conventional banks due to its uniqueness in providing financing. In addition, this is also due to an immature money market, limited availability of lender of last resort facilities from the central bank, and a lack of market infrastructure. Islamic banks from the literature analyzed, have not shown to have developed effective solutions to manage the risks of conventional banks and face their own unique risks.
Keywords: Islamic Banking, Management, Risk
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Aldeen, Khaled Nour, Syed Alamdar Ali Shah, and Sri Herianingrum. "PATRONAGE OF ISLAMIC AND CONVENTIONAL BANKS: THE CASE OF SYRIA." al-Uqud : Journal of Islamic Economics 3, no. 2 (July 10, 2019): 98. http://dx.doi.org/10.26740/al-uqud.v3n2.p98-113.
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The aim of this study is to understand perception of conventional banks’ customers towards Islamic banking by examining their level of awareness about Islamic banking. The qualitative approach was used in the form of semi-structured interviews under the phenomenological approach in Damascus city. The main findings of this research are customers lack awareness of Islamic banking operations. Furthermore, Islamic banks’ stuff play a crucial rule to enhance awareness and willingness towards their services. This study revealed that an informative advertising campaign is highly recommended to raise the awareness level among Syrians towards Islamic banking. Moreover, Islamic banks should be more selective especially when they recruit customer service operation staff. This research is a pioneering attempt towards Islamic banking issues in the case of Syria from a customer perspective. It contributes to the Syrian perceptions towards Islamic banking literature.
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Indrianasari, Neny Tri, Novi Puspitasari, and Hari Sukarno. "Sharia Financial Performance Perspective: Business or Compliance Oriented." Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak 6, no. 2 (July 31, 2022): 57–63. http://dx.doi.org/10.30741/assets.v6i2.817.
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There is a lot of controversy inthe literature on how to measure the performance of an Islamic Bank (IB). In short, the business model of Islamic banks is different from that of traditional banks. Therefore, the effectiveness of Islamic banks should be measured using the Sharia approach. One of the important pillars of the development of Sharia banking is Sharia compliance. Pillar this is the main difference between Islamic banks and traditional banks. A sharia supervisory board, or sharia supervision, is necessary to ensure the implementation of sharia principles in banking institutions. In this article, we consider the zakat (Islamic tax) as an alternative indicator for measuring the effectiveness of Islamic banks. Zakat in business is very important, both from an Islamic point of view and from the point of view of poverty reduction. Zakat spending by banks can enhance the image of Islamic banks that exist as banking companies operating in accordance with Islamic law.
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Owusu Kwateng, Kwame, Edna Edwina Osei-Wusu, and Kofi Amanor. "Exploring the effect of online banking on bank performance using data envelopment analysis." Benchmarking: An International Journal 27, no. 1 (September 11, 2019): 137–65. http://dx.doi.org/10.1108/bij-06-2018-0154.
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Purpose Increased competition in the banking sector coupled with long queues in the banking hall has necessitated the introduction of internet banking among banks in Ghana. As a result, internet banking has attracted a great deal of attention from both academicians and practitioners. The purpose of this paper is to examine the effect of internet banking on the performance of banking institutions in Ghana. Design/methodology/approach In total, 20 banks in Ghana were selected from the Bank of Ghana website for the study. The financial information about the banks’ operations was retrieved from the financial statements of the respective banks for the end of the year 2016. The data envelopment analysis-bootstrap approach with principal component analysis and cluster analysis was used to estimate 49 models. Findings The findings of the study indicated that the integration of internet banking into traditional banking methods has led to superior bank performance in Ghana. It was observed that while the independent application of internet banking as a strategy to raise performance was not yielding higher returns due to the low patronage of internet services among banking consumers, its integration with possible traditional methods is widely observed among the top performers in the banking industry. Practical implications Traditional banking methods, integrated banking service strategies and the internet banking service-oriented strategy emerged as the main banking strategies among the banks. Originality/value Extant literature is quite silent on the effect of internet banking on bank performance in Africa. However, this paper is among the first significant attempts to examine the effect of internet banking on bank performance.
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Giebe, Carsten, and Kevin Schulz. "Economic Effects of the Digital Transformation on the Banking Market Using the Example of Savings Banks and Cooperative Banks in Germany." International Journal of Economics and Finance 13, no. 6 (May 10, 2021): 34. http://dx.doi.org/10.5539/ijef.v13n6p34.
Full textAbstract:
Due to the digital transformation, the banking sector in Germany is undergoing massive change. This structural change is massively influenced by technological progress, regulation and supervision, the low-interest phase and demographic change. The focus of this research is on the comparison of savings banks and cooperative banks in Germany, as there are many similarities between the two banking groups. Both belong to the so-called retail banks. The respective bank clients are very similar due to the regional principle, the structure in regional associations and in their clientele. The main purpose of this research is to investigate which of the two banking groups, savings banks or cooperative banks, is more operationally efficient under the same prevailing competitive pressure from the Digital Transformation. This paper summarises the analysis of both banking groups based on real ratios. The relevance of the findings on this scientific problem is that the comparison of savings banks and cooperative banks in Germany has not been addressed in the scientific literature so far. The aim of the research is to make a statement as to which banking group has performed better given the same external market factors. Furthermore, arguments and counter-arguments within the academic discussion on the topic of digitalization in the German banking market will be compiled. The results of the research can be useful for academics who deal with the digital transformation in the banking sector in Germany.