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Journal articles on the topic 'Banks services pricing'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Gheddar, Rafiq. "Pricing Methods for Islamic Banking Services between Cost, Market and Value Based Strategies." Financial Markets, Institutions and Risks 8, no. 3 (2024): 17–36. http://dx.doi.org/10.61093/fmir.8(3).17-36.2024.

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As Islamic banks grow and evolve, pricing methods for their services have become essential to study and implement. This study highlights the significance of understanding the factors influencing Islamic banking service pricing in Algeria. The study aims to analyze how Islamic banks price their services, with a focus on cost, market, and value strategies. Additionally, it seeks to evaluate and recommend ways to enhance the current practices of banks operating in the national market. Algeria is experiencing rapid growth in Islamic banking, making it an ideal location to study this subject. The c

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Al-Bawab, Atef Aqeel, and Hani Al-Rawashdeh. "The Impact of the Activity Based Costing System (A.B.C.) in the Pricing of Services Banks in the Jordanian commercial Banks: A Field Study." International Business Research 9, no. 4 (2016): 1. http://dx.doi.org/10.5539/ibr.v9n4p1.

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<p>This study aims to identify the impact of the application of Activity Based Costing (A.B.C.) in the pricing of banking services in the Jordanian commercial banks, and to achieve the objectives of this study a questionnaire was designed and analyzed by (SPSS) program, was used descriptive statistics mean, standard deviation and percentages, as well as use the T-test to test the hypothesis of the study. One of the most important results of the study that the (A.B.C.) system helps in pricing and in compute cost of the banks services.</p><p>The study recommended that it has to

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Bas, Merve Ozkurt. "Brand Recognition and Consumer Choices." Journal of Artificial Intelligence General science (JAIGS) ISSN:3006-4023 6, no. 1 (2024): 509–45. https://doi.org/10.60087/jaigs.v6i1.281.

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This study investigates the influence of brand awareness on consumer purchase decisions in the banking sector, utilizing the Net Promoter Score (NPS) method. The findings highlight how brand awareness enhances consumer trust and guides purchasing tendencies. A comparative analysis between private and public banks reveals that institutions with strong brand awareness exert greater influence on customer preferences and foster trust. Additionally, the roles of pricing strategies, digital services, and customer experiences in building brand loyalty are examined. The study emphasizes the detrimenta

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Voinova, Yevheniia. "The competitiveness of Ukraine’s banks in the world banking market." Herald of Ternopil National Economic University, no. 4(90) (December 12, 2018): 81–98. http://dx.doi.org/10.35774/visnyk2018.04.081.

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The article examines the market of banking services in Ukraine through comparing indicators of competitiveness of Ukrainian banks and banks with foreign capital in the domestic market and global market. Taking into account the network-type structure of banks, six groups of banks are determined according to the degree of branching, namely: systemically important banks, all-Ukrainian equilibrium banks, all-Ukrainian concentrated banks, regional banks, local individual banks, closed banks. A particular emphasis is placed on a range of banking services and pricing policies of banks groups. The cla

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Rahman, Akim M., and Saadi Islam. "Ensuring risk-free e-banking services in Russian-economy: Policy guidance." Frontiers in Management and Business 3, no. 2 (2022): 207–18. http://dx.doi.org/10.25082/fmb.2022.02.002.

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In today’s e-banking, customers compete for comparative time-saving-options. Banks compete for maximizing profits. But many factors are unpredictable. These are perceived risks factors (PR) that undermines growth trends of e-banking in economy country-wise such as Russia. Bank-deposits, bank-accounts are covered by Deposit Insurance System (DIS) in Russian-economy. However, PR-factors are not covered. It causes abuses. Addressing the dilemma, application of Akim’s model – Voluntary Insurance (VI) as a product can be instrumental attracting more individuals using e-banking. Welfare Analyses are

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Kone Moussa, Mahfooz Ahmed, and Habeebullah Zakariyah. "Factors Influencing Customers’ Acceptance of Islamic Banks’ Products and Services in Cote D’Ivoire (Ivory Coast)." Journal of Islamic Finance 12, no. 2 (2024): 61–75. http://dx.doi.org/10.31436/jif.v12i2.825.

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This study examines customers’ acceptance of Islamic banking products offered by Islamic banks’ windows in Ivory Coast and explores the relationship between product acceptance and factors such as knowledge, religion, and pricing. The study involved 201 participants using a structured questionnaire, and the data were analyzed using SPSS. The findings suggest that product knowledge, pricing, and religiosity significantly influence Islamic bank product acceptance. The study recommends further research to test the criticality of these factors and suggests improvising the study’s content and expand

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Weng Kong, Chim, and Maria Binti Abdul Rahman. "Enhancing Customer Retention within Malaysia Banking: Exploring the Impact of Relationship Marketing, Service Quality, Price, and Mediating Role of Satisfaction." Asia Proceedings of Social Sciences 12, no. 1 (2024): 120–24. http://dx.doi.org/10.31580/scv7n086.

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The value of Customer Retention as the primary goal is to cultivate a loyal customer base that continually generates revenue through repeat transactions. The merger undertaken by the bank has resulted in a more extensive customer base, affording the opportunity for cross-selling various financial products. It is noteworthy that the performance of banks exhibited fluctuations. Remarkably, smaller banks can outperform their larger counterparts. As a result, this study aims to explore the strategies that enhance customer satisfaction by nurturing customer relationships through the perspective of

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

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

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Oladokun, Sunday Olarinre, and Manya Mainza Mooya. "Pricing of property valuation services in Lagos Nigeria." Property Management 38, no. 1 (2019): 82–108. http://dx.doi.org/10.1108/pm-04-2019-0024.

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Purpose The pricing of professional service has been identified as one of the factors influencing the quality of service and willingness of clients to pay. However, the issue of service pricing is hardly seen as an object of discourse in real estate literature, especially among valuation studies, as it is obtainable in other fields. In Nigeria, it has become the practice for some sets of clients, especially financial institutions, to fix valuers’ remuneration based on the fact that these clients have market advantage. This practice and some other issues around pricing of valuers’ services have

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Abdullah Yaqoub, Fayahaa, and Khaled Jamal Fadhil. "Using Resource Consumption Accounting to determine Customer Cost of Banks." Journal of Economics and Administrative Sciences 26, no. 118 (2020): 93–104. http://dx.doi.org/10.33095/jeas.v26i118.1866.

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The Purpose of this Research show gap between a Normal Cost System and Resource consumption Accounting Applied in AL-Rafidin Bank. The Research explores that, how the idle capacity can be determined under resource consumption accounting, discuss the possibility of employing these energies. Research also viewed how costs can be separated into Committee and Attribute. Resource Consumption Accounting assists managers in pricing services or products based on what these services or products use from each Source. This Research has been proven that Resource consumption Accounting is more

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Tuğba, Demirtaş. "Islamic Bank's Profitability Analysis with Dupont Method: Country Cases." International Journal of Social Science and Human Research 07, no. 11 (2024): 8558–65. https://doi.org/10.5281/zenodo.14220142.

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Islamic banking is an alternative banking area with an asset volume of approximately 3 trillion dollars today. Its working principles, products and services, balance sheet structure, and pricing behaviors differ from conventional banks. These differences are likely to be reflected in the factors that support the equity profitability of banks. For this reason, this study aims to find common components that support equity profitability through Islamic banking data from 14 countries. The study uses the Dupont method to examine the effectiveness of operational efficiency, asset efficiency, and lev

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Qashash Medya Supriyanto, Bima Cinintya Pratama, Eko Hariyanto, and Ani Kusbandiyah. "Tax Avoidance in Indonesian Banking: The Role of Transfer Pricing and Corporate Ownership." Journal of Finance and Business Digital 1, no. 4 (2022): 251–70. http://dx.doi.org/10.55927/jfbd.v1i4.2180.

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This research was conducted to examine the factors affecting tax avoidance, including transfer pricing, institutional ownership, and foreign ownership. This research also examines the role of institutional ownership and foreign ownership as moderating variables. The samples of this study was conventional banks registered with the Financial Services Authority with a sample of 41 conventional banks during the 2017 – 2021 period. In testing the hypothesis of this study using panel data regression analysis. The analysis techniques used in this study were descriptive statistical tests, preliminary

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Penikas, H. I. "Premium for implicit deposit insurance within Russian state banks." Voprosy Ekonomiki, no. 10 (October 11, 2021): 89–112. http://dx.doi.org/10.32609/0042-8736-2021-10-89-112.

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Deposit insurance system (DIS) exists for 17 years in Russia. The major deposit market share belongs to state banks. Ordinary depositors may perceive the status of the bank state ownership to reflect additional deposit safety, even in the excess of the DIS limits. Such a situation is called an “implicit deposit insurance” in the literature. By offering a sort of implicit deposit insurance services state banks might underprice the deposits in excess of DIS limits compared to the private banks. We utilize data from the open sources to measure the scale of the implicit deposit insurance pricing i

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Dell’Atti, Stefano. "Editorial." Journal of Governance and Regulation 7, no. 2 (2018): 4–5. http://dx.doi.org/10.22495/jgr_v7_i2_editorial.

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The themes that this issue of the Journal welcomes are numerous and cover anti-money laundering regulation, pricing of brand extencions, ownership structure and credit ratings, effect of Basel III liquidity regulations on banks’ profitability, debts and asymmetric information, differences and similarities between German and Chinese internal audit functions, influence of auditor rotation and non-audit services on earnings quality, audit quality and investor perceptions, and internal controls.

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Pradnyani, Ni Luh Putu Sri Purnama, and Rai Gina Artaninggrum. "FAKTOR PENDUKUNG PERILAKU BERALIH LAYANAN PERBANKAN KE LAYANAN PEMBIAYAAN BERBASIS FINANSIAL TEKNOLOGI." Jurnal Riset Akuntansi (JUARA) 11, no. 1 (2021): 34–54. http://dx.doi.org/10.36733/juara.v11i1.2823.

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This study aims to determine the factors driving service switching behavior in the form of pricing, service quality, competition, reputation, response to failure, service products, and forced switching that can influence borrowers to switch to using financing services from banks to financial technology-based financing services (crowdlending). The research sample was 94 people who met the research criteria. The analysis technique used to answer the research hypothesis is multiple linear regression analysis. The results show that banking price determination affects a person's switching behavior

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Pratama, Muhamad Zundi, Heni Noviarita Noviarita, and Frenky Sanjaya Sanjaya. "Optimization Of Bil Wakalah Murabahah Contracts Towards The Responsibility Of Sharia Banking Kur Finance." ASAS 15, no. 02 (2024): 84. http://dx.doi.org/10.24042/asas.v15i02.16539.

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One of the banks that collects funds from the public and distributes it back to customers in the form of financing is Islamic Banks, one of the financing products channeled is People's Business Credit (KUR) financing. In implementing KUR financing, Islamic banks use a murabahah bil wakalah contract. Optimization of murabahah bil wakalah contracts will be discussed for the responsibility of Islamic banking credit financing using data analysis methods. People's Business Credit (KUR) which aims to support Indonesian Micro and Small Enterprises (UMK) licensing. Bank Indonesia's KUR, stated that in

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Rajalakshmi, Thiruthuraipondi Natarajan. "Oracle Cloud in FinTech Industry." International Journal of Innovative Research in Engineering & Multidisciplinary Physical Sciences 11, no. 5 (2023): 1–5. https://doi.org/10.5281/zenodo.14607839.

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In recent years, FinTech is one of the fastest growing industries in the market, with more and more startups coming-up each year. Using technology, these companies build tools and deliver financial services to its customers by connecting to the conventional banks on one side and special features on the other. The success of these organizations largely depends on its ability to quickly bring new services to the market by seamlessly connecting to the financial institutions without compromising on the security or compliance. Similarly, the banks need to leverage the services provided by these Fin

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18

Singh, Niranjan. "“Effect of Trust and Service Quality on Consumer Perception: A Study on Private Banking Sector of South West Delhi”." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–8. https://doi.org/10.55041/ijsrem49505.

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"Abstract In the contemporary banking landscape, customer perception plays a pivotal role in determining a bank’s long-term success. This study explores how trust and service quality influence consumer perception and satisfaction in private sector banks operating in South West Delhi. A structured survey of 100 respondents reveals that while service innovations and technology adoption have enhanced customer engagement, gaps remain in areas such as pricing transparency and competitive interest offerings. Results indicate that service quality, trust, technological access, and employee commitment

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Aser, Herbert, Isaac Ochieng’, and Gordon Opuodho. "Treasury Bill Investment and Financial Performance of Tier Three Commercial Banks in Kenya." International Journal of Finance and Accounting 9, no. 5 (2024): 1–6. http://dx.doi.org/10.47604/ijfa.2992.

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Purpose: Bank tier categorization is determined by size, complexity, and regulatory requirements, with criteria varying by country and authority (CBK, 2020). Tier 3 banks are the smallest, providing basic services to individuals and small businesses (CBK, 2020). This study investigated the impact of Treasury bill investment on the financial performance of Tier 3 commercial banks in Kenya. Methodology: This study was grounded on the theory of Capital Asset Pricing. The study used secondary data from the Central Bank of Kenya and audited financial statements from 2015 to 2022. Focusing on Return

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20

Ndlovu, Chiedza, and Paul Alagidede. "On the determinants of return on equity in South Africa's financial services industry." Journal of Economic and Financial Sciences 8, no. 2 (2015): 550–66. http://dx.doi.org/10.4102/jef.v8i2.108.

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This study examines the factors that determine the return on equity (ROE) of financial companies listed on the Johannesburg Securities Exchange (JSE). Two empirical strategies were adopted: the DuPont model and a multifactor Arbitrage Pricing Theory (APT). Using the financial data of 73 companies and macro-economic indicators from 2002 to 2012, the study found that there was a positive relationship between profit margin and ROE, which can be enhanced if managers employ cost leadership strategies. Companies with predictable cash flows can afford high levels of debt and therefore high ROE, while

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Qu, Qiao, Cheng Liu, and Xinzhong Bao. "Financial Security Analysis of E-Commerce Platform Based on Supply Chain for Heterogeneous Network Location Verification." Journal of Sensors 2021 (December 13, 2021): 1–14. http://dx.doi.org/10.1155/2021/7952123.

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The development of supply chain finance, its pricing strategy for bilateral business cooperation between e-commerce, banking institutions, and fourth-party logistics services providers has gained the attention of researchers. This paper combines the heterogeneous network location verification technology, starting from information asymmetry and Rubens bargaining game ideas, and combines it with game theory methods to provide a reference for bilateral cooperation decision-making on e-commerce platforms. The experiment results indicated the pricing decisions of e-commerce platforms which are affe

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Özdağoğlu, Aşkın, Murat Kemal Keleş, and Mehrzad Şenefe. "Evaluation of banks in terms of customer preferences with fuzzy SWARA and fuzzy MOORA integrated approach." Journal of Decision Analytics and Intelligent Computing 4, no. 1 (2024): 216–32. https://doi.org/10.31181/jdaic10007122024o.

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This study examines the factors influencing customer preferences in retail and private banking in Turkey, utilizing the fuzzy SWARA methodology. In response to global challenges and advancements in technology, the banking sector has undergone significant transformations over the past two decades, leveraging technology to enhance services and efficiency. However, customer preferences may vary across countries and cultures, with Turkish banking customers showing a mix of traditional and digital banking preferences. Against the backdrop of a dramatic financial crisis in 2001, trust emerges as a p

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Musunuru, Sreethi, Mahaalakshmi Mukkamala, Latha Kunaparaju, and N. V. Ganapathi Raju. "A Comparative Study using Feature Selection to Predict the Behaviour of Bank Customers." E3S Web of Conferences 184 (2020): 01011. http://dx.doi.org/10.1051/e3sconf/202018401011.

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Though banks hold an abundance of data on their customers in general, it is not unusual for them to track the actions of the creditors regularly to improve the services they offer to them and understand why a lot of them choose to exit and shift to other banks. Analyzing customer behavior can be highly beneficial to the banks as they can reach out to their customers on a personal level and develop a business model that will improve the pricing structure, communication, advertising, and benefits for their customers and themselves. Features like the amount a customer credits every month, his sal

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AKIN, G. GULSUN, AHMET FARUK AYSAN, EZGI ÖZER, and LEVENT YILDIRAN. "CONSUMER PREFERENCES AND REGULATIONS IN CREDIT CARD MARKETS: EVIDENCE FROM TURKEY." Singapore Economic Review 67, no. 02 (2021): 849–75. http://dx.doi.org/10.1142/s0217590821500764.

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In this paper, we analyze the demand side of the credit card market. Using unique survey data and a discrete choice model, we uncover consumer preferences for all price and nonprice features of credit cards. Our results provide evidence for an alternative explanation for the credit card pricing puzzles. We show that consumers view credit cards as highly differentiated products with both bank-level and card-level nonprice features. When selecting their credit cards, they predominantly prioritize these nonprice features over prices. Although private banks charge higher prices for their credit ca

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Abdul Reda Al Saadi, Wasan Khifa. "THE ROLE OF MURABAHAH IN FİNANCİNG INVESTMENT PROJECTS AN APPLİED STUDY IN A SAMPLE IN ISLAMİC BANKS - AL-WATANİ ISLAMİC BANK – BAGHDAD FOR THE YEARS (2014-2018)." IEDSR Association 7, no. 18 (2022): 69–73. http://dx.doi.org/10.46872/pj.525.

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Islamic banks are financial institutions that derive their basis or principles from the Islamic creed that forbids dealing with interest, as they provide services that do not contradict the provisions of Islamic Sharia, so that they practice investment and financing activity for investment projects using various Islamic financing formulas in order to achieve profit. This study aims to clarify the effect of murabahah in Islamic banks in financing investment projects during the period (2014-2018), taking into account the National Islamic Bank - Baghdad as a case study. This study was able to rea

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Smirnov, V. D. "Influence of Non-Price Factors of banks’ Activities on their Financial Results." Finance: Theory and Practice 24, no. 5 (2020): 62–71. http://dx.doi.org/10.26794/2587-5671-2020-24-5-62-71.

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The subject of the research is the customer motivation towards certain banks regardless of the pricing policy. The aim of this study is to determine the significance of non-price factors for attracting customers by banks and its influence on banks’ revenues and profit. The theoretical and methodological basis of the study included the scientific works of foreign scientists on the influence of non-price factors on customer loyalty in banking.The author used methods of qualitative and quantitative analysis of scientific publications, regulatory and legal sources, retrospective statistical data,

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OYEDOKUN, Godwin Emmanuel, Adewale Moses ADEYEMI, and Moyosore Akingbade ADEWUMI. "Financial Inclusion and Financial Performance of Listed Deposit Money Banks in Nigeria." AFAR Multidisciplinary Journal of Social Sciences (MJSS) Volume 3, Issue 1, June 2023 (2023): 135–51. https://doi.org/10.5281/zenodo.10431742.

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This study investigated the relationship between financial inclusion and financialperformance of deposit money banks in Nigeria. The study examined the impact of ruralfinancing on the financial performance of Deposit Money Banks (DMBs) in Nigeria;investigated the influence of pricing of banking services on the financial performance ofDeposit Money Banks in Nigeria; assessed how Small and Medium-sized Enterprises'(SMEs) financing affects the financial performance (FP) of Deposit Money Banks inNigeria. The study employed ex-post facto and correlation research design with secondarydata obtained f

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Lin, Li. "Opportunities and Challenges of New Energy Vehicles in Carbon Neutrality and Financial Investment Banking." Highlights in Business, Economics and Management 24 (January 22, 2024): 984–89. http://dx.doi.org/10.54097/e4j4h160.

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One of the biggest problems the world is currently experiencing is global climate change, requiring all industries to work together to mitigate its adverse effects on the environment and society. In this context, carbon neutrality has become a topic of widespread concern and discussion. This article focuses on the role that financial investment banks play in initiatives for carbon neutrality and their function in the area of alternative fuel vehicles. This study will go into the history and difficulties of creating new energy vehicles, highlighting the critical function of market-based carbon

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Rahmatullah, Muhammad Yunus, and Tintin Suhaeni. "Analisis Kualitas Pelayanan pada Bank BTN di Kota Bandung." Applied Business and Administration Journal 1, no. 3 (2025): 98–111. https://doi.org/10.62201/6a6j8c50.

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Banks are financial institutions that focus on services, therefore in order to flourish in the highly competitive banking industry, they must deliver the greatest service to their consumers. To be able to survive or even excel in the increasingly fierce banking competition, every bank must be able to develop the best quality of service for its customers. Bank BTN, also known as PT. Bank Tabungan Negara (Persero) Tbk, is one of the largest state-owned banks in Indonesia. However, while conducting business, Bank BTN received numerous consumer complaints over the quality of services offered. Comp

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Hurani, Jamal, and Mohammed Kayed Abdel-Haq. "Factors Influencing FinTech Adoption Among Bank Customers in Palestine: An Extended Technology Acceptance Model Approach." International Journal of Financial Studies 13, no. 1 (2025): 11. https://doi.org/10.3390/ijfs13010011.

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This study examines FinTech adoption in the Palestinian banking sector, highlighting its role in driving innovation, improving customer satisfaction, and ensuring competitiveness. Using an extended Technology Acceptance Model (TAM) and SmartPLS 4.0 software for structural equation modeling, the research investigates factors influencing FinTech adoption among Palestinian bank customers. Findings show high adoption rates, with nearly half of customers also using non-bank FinTech services. While most prefer FinTech solutions from their banks, many are open to switching providers for better servic

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Assefa, Gidey Belay, and Debes Tukue. "Carryover Problems and Emerging Concerns: A Review on Value Added Tax Legal Reforms of Ethiopia." Hawassa University Journal of Law 9, no. 1 (2025): 189–212. https://doi.org/10.4314/hujl.v9i1.7.

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This article critically examines Ethiopia’s newly introduced Value Added Tax (VAT) legal reforms. VAT Proclamation No. 1341/2024 and its accompanying VAT Regulation No. 570/2025 have introduced significant changes to the tax regime, along with unresolvedissues, controversies and ambiguities. Through a doctrinal analysis of this legal reform, supplemented by interviews with experts from banks and insurance companies, this article critically highlights the unresolved issues and ambiguities in the legal reforms. Expandingthe scope of taxable activities, particularly in the financial services sect

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Sinichenko, Olesya A. "Misseling as a modern tool of unfair sales of banking products and services in commercial banks." Izvestiya of Saratov University. Economics. Management. Law 23, no. 1 (2023): 20–26. http://dx.doi.org/10.18500/1994-2540-2023-23-1-20-26.

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Introduction. Misseling has become a problem for commercial bank customers today. Misseling can be found both in large credit institutions and small banks. Formally, this is not a violation of the law, but, in fact, misleading of the client. In fact, there is a bank fraud when selling a banking product or service. Despite the fact that this phenomenon can be found in almost any bank to varying degrees of participation, from a scientific point of view it has not yet been sufficiently studied, although recently the Bank of Russia has made an attempt to regulate this process legislatively. Theore

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Duong, Vinh Suong, Thi Thuy Huong Nguyen, Anh Phan, Thi Thuy Ngan Nguyen, and Thi Linh Dinh. "Leveraging TPB to enhance credit card usage in Vietnam: Implications for financial literacy and banking innovation." Edelweiss Applied Science and Technology 9, no. 6 (2025): 1215–32. https://doi.org/10.55214/25768484.v9i6.8097.

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This study examines the factors influencing individual customers’ decisions to use credit cards at Vietnamese commercial banks, applying an extended Theory of Planned Behavior framework. Based on data from 332 respondents, the research empirically validates six key determinants: Attitude, Subjective Norms, Perceived Behavioral Control, Card Usage Costs, Card Usage Convenience, and Bank Responsiveness. All factors exhibit a positive and statistically significant effect on credit card adoption, with Perceived Behavioral Control emerging as the strongest predictor. The convenience of card usage a

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Baker, Colleen, Christine Cummings, and Julapa Jagtiani. "The impacts of financial regulations: solvency and liquidity in the post-crisis period." Journal of Financial Regulation and Compliance 25, no. 3 (2017): 253–70. http://dx.doi.org/10.1108/jfrc-02-2017-0027.

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Purpose Basel III and the capital stress testing introduced new requirements and new definitions while retaining the structure of the pre-2010 requirements. The total number of requirements increased, making it difficult to determine which and how many constraints are binding. The purpose of this paper is to discuss the new financial regulations in the post-financial crisis period, focusing on the capital and liquidity regulations. Design/methodology/approach The authors explore the impact of financial regulations using various data sources – financial and accounting data from Y-9C Reports. Ma

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Mongare, Mackline Kerubo. "Relationship between Financial Services, Central Bank Regulations and Agency Banking Performance in Kenya." African Journal of Commercial Studies 3, no. 3 (2023): 191–98. http://dx.doi.org/10.59413/ajocs/v3.i3.6.

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The global business environment is undergoing significant changes marked by intense competition, and the banking industry is no exception. In response to these dynamics, commercial banks are increasingly embracing innovation, with agency banking emerging as a notable addition. This study explores the determinants of financial performance in agency banking in Kenya. The theoretical framework guiding this investigation incorporates agency theory and competitive advantage theory. The study identifies key influencers of agency banking performance, such as financial service accessibility, transacti

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Mindra, Rachel, Juma Bananuka, Twaha Kaawaase, Rehma Namaganda, and Juma Teko. "Attitude and Islamic banking adoption: moderating effects of pricing of conventional bank products and social influence." Journal of Islamic Accounting and Business Research 13, no. 3 (2022): 534–67. http://dx.doi.org/10.1108/jiabr-02-2021-0068.

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Purpose The purpose of this study is to establish the relationship between attitude and the intention to adopt Islamic banking in a Christian-dominated country and whether such a relationship is moderated and boosted by pricing of conventional bank products and social influence. Design/methodology/approach This study adopts a cross-sectional and correlational design as data were collected between July and September 2019. Data were collected using a questionnaire from a sample of 384 adult individuals with bank accounts in conventional commercial banks from which 300 responded, indicating a res

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Anwer, Zaheer. "Salam for import operations: mitigating commodity macro risk." Journal of Islamic Accounting and Business Research 11, no. 8 (2020): 1497–514. http://dx.doi.org/10.1108/jiabr-09-2018-0142.

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Purpose This paper aims to present the idea of using classic Islamic finance instrument Salam to conduct import transactions. It documents the complete framework of the proposed model. At present, this mode is not used by Islamic Financial Services Industry although it is capable of becoming a viable risk-sharing instrument. Design/methodology/approach First, the features of existing import financing products are explored and compared with various contractual features of Salam. Second, a discussion on why banks are reluctant in practicing Salam is included. Third, the pricing techniques, accou

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Shahzad, Syed Jawad Hussain, Peter Josef Stauvermann, Ronald Ravinesh Kumar, and Tanveer Ahmad. "The impact of terrorism on industry returns and systematic risk in Pakistan." Accounting Research Journal 30, no. 4 (2017): 413–29. http://dx.doi.org/10.1108/arj-09-2015-0114.

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Purpose This study aims to examine the impact of terrorism on return and systematic risk of Pakistan’s equity industries. Daily data from 1 January 2000 to 31 December 2014 for 12 industries based on the specific types of companies listed on Karachi Stock Exchange are used for the empirical analysis. Design/methodology/approach A multiplicative (additive) term is introduced in the standard capital asset pricing model to examine the change in systematic risk (industry returns) in response to the terrorist activities. The authors use the multiscale beta approach (Yamada, 2005) and the maximal ov

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Кузьмина, О. Ю., and О. В. Путилина. "Implementation of the principles of the sharing economy in the financial market." Экономика и предпринимательство, no. 1(138) (April 15, 2022): 238–41. http://dx.doi.org/10.34925/eip.2022.138.1.045.

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В статье рассмотрен процесс цифровой трансформации банковской деятельности. Авторами показано как использование цифровых технологий в банковской деятельности видоизменяет отношения производителя финансовых услуг и клиента, воздействует на механизм ценообразования. Много внимания уделено процессу формирования экосистем на базе крупнейших банков. Доказывается, что цифровые платформы финансового рынка чаще всего выстраиваются с учетом принципов шеринговой экономики, при этом не являясь полным отражением ее бизнес-моделей. The article considers the process of digital transformation of banking acti

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Abdullah, Zubair, and Hasan Hamid. "Exploring Service Quality in Islamic Banking Industry of Afghanistan: An Analysis of Customer Satisfaction." iRASD Journal of Economics (JOE) 2, no. 2 (2020): 73–97. https://doi.org/10.52131/joe.2020.0101.0018.

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Abstract Service quality is an essential organizational factor that has a positive relationship with customer satisfaction. Thus, in this paper, we measure the service quality of the Islamic banking industry of Afghanistan and customer satisfaction through the modified CARTER model. We collected data in Kabul province from customers of the following banks: Afghanistan International Bank (AIB), Afghan United Bank (AUB), Bank-e-Millie Afghan (BMA), Ghazanfar Bank (GB), and Islamic Bank of Afghanistan (IBA). In nutshell, our study results reveal that in the Islamic banking industry of Afghanistan

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Klochko, Rostyslav, and Olena Piskunova. "Marketing segmentation of banks’ corporate clients based on data mining technique." Statistics in Transition new series 24, no. 5 (2023): 147–66. http://dx.doi.org/10.59170/stattrans-2023-068.

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In recent years, the banking services market has been developing dynamically, experiencing a sharp increase in competition. Banks that provide maximum profitability for each client gain the most significant competitive advantage. The sales model in corporate banking is associated with personal interaction between bank employees and business owners, and the subsequent establishment of individual service conditions. However, this approach is often ineffective when a bank faces the issue of maximising the efficiency of business activities. This study aims to segment a bank’s corporate client base

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Candratrilaksita, Werdha, Hartuti Purnaweni, and Kismartini Kismartini. "Evaluation of the Effectiveness of Kredit Usaha Rakyat (KUR) Policy in Encouraging Economic Growth and Social Welfare in Central Java Province." JIAPI: Jurnal Ilmu Administrasi Dan Pemerintahan Indonesia 1, no. 1 (2020): 1–13. http://dx.doi.org/10.33830/jiapi.v1i1.1.

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In 2018, Central Java could only absorb 26.22% of KUR distribution in the production sector. The Non-Performing Loan (NPL), released by the Financial Services Authority, presented a lower production sector NPL than the trade sector. The agricultural sector was 1.85%, the manufacturing sector was 3.19%, and the trade sector was 4.45%. In 2017, NPL of KUR Micro and Retail KUR of the agricultural sector amounted to 0.76%, while the trade sector amounted to 1.44%. The problem raised research questions: 1) Did the banks which distributed KUR and the Guarantor Institution experience a conflict of in

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Ustha, Endrianto, and Ratna Nurani. "Innovative Strategies for Customer Satisfaction in Service Quality: A Case Study of Indonesian Islamic Banks in Pekanbaru." INVEST : Jurnal Inovasi Bisnis dan Akuntansi 6, no. 1 (2025): 82–93. https://doi.org/10.55583/invest.v6i1.1221.

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ABSTRACT This study aims to analyze the level of customer satisfaction with service quality and the strategies to improve customer satisfaction at Bank Syariah Indonesia KCP Arifin Ahmad, Pekanbaru. Data collection techniques included primary data obtained from questionnaires and interviews. The sampling method used was Simple Random Sampling, with respondents being customers of Bank Syariah Indonesia KCP Arifin Ahmad. Data analysis was performed using the Customer Satisfaction Index (CSI) method through Microsoft Excel and SWOT analysis. The indicators used to measure the level of customer sa

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Zubair, Abdullah, and Hamid Hasan. "Exploring Service Quality in Islamic Banking Industry of Afghanistan: An Analysis of Customer Satisfaction." iRASD Journal of Economics 2, no. 2 (2020): 73–97. http://dx.doi.org/10.52131/joe.2020.0101.0018.

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Service quality is an essential organizational factor that has a positive relationship with customer satisfaction. Thus, in this paper, we measure the service quality of the Islamic banking industry of Afghanistan and customer satisfaction through the modified CARTER model. We collected data in Kabul province from customers of the following banks: Afghanistan International Bank (AIB), Afghan United Bank (AUB), Bank-e-Millie Afghan (BMA), Ghazanfar Bank (GB), and Islamic Bank of Afghanistan (IBA). In nutshell, our study results reveal that in the Islamic banking industry of Afghanistan out of s

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González-Sánchez, Mariano, and M. Encina Morales de Vega. "Influence of Bloomberg’s Investor Sentiment Index: Evidence from European Union Financial Sector." Mathematics 9, no. 4 (2021): 297. http://dx.doi.org/10.3390/math9040297.

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A part of the financial literature has attempted to explain idiosyncratic asset shocks through investor behavior in response to company news and events. As a result, there has been an increase in the development of different investor sentiment measurements. This paper analyses whether the Bloomberg investor sentiment index has a causal relationship with the abnormal returns and volume shocks of major European Union (EU) financial companies through a sample of 85 financial institutions over 4 years (2014–2018) on a daily basis. The i.i.d. shocks are obtained from a factorial asset pricing model

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Kemp, M. H. D. "Risk Management in a Fair Valuation World." British Actuarial Journal 11, no. 4 (2005): 595–712. http://dx.doi.org/10.1017/s1357321700003299.

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ABSTRACTThis paper considers the impact that the current trend towards fair valuation of assets and liabilities is likely to have on risk measurement and management practices within the financial services industry. The paper analyses the different sorts of risks faced by organisations such as asset managers, pension funds, banks and insurers, and seeks to identify how their approach to the measurement and management of these sorts of risks might change as fair valuation becomes more entrenched. It argues that what it describes as traditional ‘time series’ based risk measurement is likely to be

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Jan, Nasr Ullah, Muhammad Sagheem, and Shams ur Rahman. "Factors Influencing Customer's Choice of Islamic Home Financing in Pakistan." ACADEMIA International Journal for Social Sciences 4, no. 3 (2025): 621–38. https://doi.org/10.63056/acad.004.03.0400.

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The importance of spirit or "ruh" in a human's existence is contrary to the needs of Maslow’s Theory of Human Motivation Islamic Financial Institutions (IFIs) have developed rapidly since 1982, with total IFI assets reported to be $200 billion in 2008 and $2 trillion dollars by 2014. Pakistan started incorporating .Islamic principles into its financial framework during the late 1970s, while global islamic finance liquidity agency formalized in 2010 for issuance of Shari'ah-compliant financial instruments. In 2002, Meezan Bank Limited (MBL) became the first Islamic commercial bank to provide Is

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Prorokowski, Lukas. "Depository banks under the Alternative Investment Fund Managers Directive (AIFMD)." Journal of Investment Compliance 15, no. 4 (2014): 29–36. http://dx.doi.org/10.1108/joic-07-2014-0025.

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Purpose – This paper aims to investigate whether enhanced requirements result in the depositories exiting the business. Furthermore, this paper attempts to analyse prospective changes to the operating structures caused by the Alternative Investment Fund Managers Directive (AIFMD). Most importantly, this paper discusses the processes to evaluate and manage counterparty risk relating to prime brokers. AIFMD makes fundamental changes to the depository liability and managing counterparty risk by making a depository bank liable for any losses to investor assets, even those held within third-party c

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Putri J, Pramai Shella Arinda, and Yandri Radhi Anadi. "ANALYZING LEGAL DIMENSIONS OF PRODUCT SCANDAL IN INDONESIAN INSURANCE DISTRIBUTIONS: MIS-SELLING UNIT-LINKED CASE." Kanun Jurnal Ilmu Hukum 26, no. 3 (2024): 534–57. https://doi.org/10.24815/kanun.v26i3.35077.

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Insufficient consideration of inflation in pricing can result in insurance premiums being set too low, threatening the long-term viability of the insurance industry. This challenge became particularly evident during the notable challenges experienced by the Indonesian insurance industry between 2021 and 2022. Various issues, including poor management, product mis-selling, and the sale of unit-linked products with inaccurate information, led to insurance customers protesting against the Financial Services Authority (OJK) and the bancassurance sector, which is a partnership between banks and ins

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Zietsman, Mariëtte Louise, Pierre Mostert, and Göran Svensson. "Perceived price and service quality as mediators between price fairness and perceived value in business banking relationships." International Journal of Bank Marketing 37, no. 1 (2019): 2–19. http://dx.doi.org/10.1108/ijbm-07-2017-0144.

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PurposeThe purpose of this paper is to test perceived price and service quality as mediators between price fairness and perceived value in service encounters between micro-enterprises and their banks.Design/methodology/approachThe study is based on a self-administered and internet-based questionnaire conducted in the banking industry. The sample consists of 381 micro-enterprises in South Africa that employ one or two staff members.FindingsThe findings of this paper provide evidence for both theory and practice that perceived price and service quality influence the relationship between business

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