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Journal articles on the topic 'Competitive banking system'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Belousov, A. L. "Issues of development of competitive relations in the Russian banking system." Russian Journal of Economics and Law 17, no. 1 (2023): 51–62. http://dx.doi.org/10.21202/2782-2923.2023.1.51-62.

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Objective: to study the features of building competitive relations in the Russian banking sector and to assess the prospects for the development of the system of competition protection regulation in this area.Methods: logical and structural analysis, system-functional approach, formal legal method.Results: the author reveals the essence and features of building competitive relations in the modern banking system of the Russian Federation. Based on the calculation of the Herﬁndahl–Hirschman index, the level of competitive relations in the banking industry is assessed. The key issues, positive an

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2

Lisovol, O. M., and S. G. Naumenko. "Regulatory and legal regulation of competition in the banking services market." Uzhhorod National University Herald. Series: Law 2, no. 86 (2025): 324–30. https://doi.org/10.24144/2307-3322.2024.86.2.49.

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The state of economic competition in the banking system of Ukraine is considered. A review of regulatory and legal documents of the European Union and the United States of America on the regulation of competitive relations in the economy and the prevention of monopolization in general, and the banking system in particular, is made. The opinions of researchers and institutions of leading countries of the world on the risks of violation of competition in the banking system are presented. The legal regulation of competitive relations in the legislation of Ukraine is analyzed. Provisions in the «g

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Rakshit, Bijoy, and Samaresh Bardhan. "Bank competition in India: revisiting the application of Panzar–Rosse model." Managerial Finance 46, no. 11 (2020): 1455–77. http://dx.doi.org/10.1108/mf-09-2019-0457.

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PurposeThe paper measures the degree of bank competition in Indian banking over the period 1996–2016. Using bank-level annual data, we revisit the case of banking competitiveness during the prefinancial and postfinancial crisis and examine whether the global financial crisis alters the level of bank competition in India. Additionally, this paper addresses the misspecification issues associated with the widely used Panzar–Rosse model in Indian banking context.Design/methodology/approachWe apply Panzar and Rosse (1987) H-statistic and evaluate the degree of bank competition by estimating the ext

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4

Yuldasheva, Sevara. "INTERBANK COMPETITION AND ASSESSMENT OF THE COMPETITIVENESS OF COMMERCIAL BANKS IN THE REPUBLIC OF UZBEKISTAN." Economics and Innovative Technologies 11, no. 2 (2023): 30–40. http://dx.doi.org/10.55439/eit/vol11_iss2/i4.

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In the context of the digital transformation of financial markets, one of the topical issues in the development of the banking system of the Republic of Uzbekistan is to increase the level of its competitiveness. Documents that define the strategy for the development of the banking sector of the Republic of Uzbekistan until 2025 are devoted to this problem. The main tasks in them are to increase the competitiveness of domestic banks and develop a competitive environment. The article discusses the theoretical foundations of the functioning of competition as an economic phenomenon that occurs in

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Vengerovskiy, Evgeniy. "Innovative factors in the formation of the competitive environment of the banking services market in the context of sanctions: legal aspect." Law & Digital Technologies 3, no. 1 (2023): 19. http://dx.doi.org/10.18254/s278229070026323-1.

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The purpose of this study was to conduct a comprehensive analysis of the legal regulation of banking competition in the context of sanctions. Methods: in the course of the study, a systematic method was used, which made it possible to identify trends in the development of competitive mechanisms in the banking services market in the context of sanctions. The application of the analytical method contributed to a comprehensive study of foreign experience of legal regulation. Results: a legal analysis of the competitive environment prevailing in the banking services market under sanctions was carr

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6

Banya, Roland Mwesigwa, and Nicholas Biekpe. "Bank competition and economic growth." Journal of Economic Studies 44, no. 2 (2017): 245–65. http://dx.doi.org/10.1108/jes-09-2015-0169.

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Purpose The degree and impact of competitiveness in the banking sector is of great importance as this has great impact on the financial system and the wider economy. A question of interest here is, does competition in the commercial banking sector boost or hamper economic growth. The purpose of this paper is to test the hypothesis that competitiveness in commercial banking is linked to economic growth. Design/methodology/approach The authors use the Boone (2008) indicator to estimate competitiveness of banking markets in ten frontier countries in Africa from 2005 to 2012. This model measures b

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7

Savelieva, Nadezhda K., and Tatiana A. Timkina. "Competitiveness of the Russian Banking System: Cross-Border Aspect." Vestnik of North-Ossetian State University, no. 4 (December 25, 2021): 211–16. http://dx.doi.org/10.29025/1994-7720-2021-4-211-216.

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The processes of globalization and cross-border relations between countries have made it possible to carry out work and provide services in the markets of another country. In the conditions of the banking sector, this process is expressed in the branches of foreign banks or by investing money in the authorized capital of an existing bank. In this case, the management process is located in another country. Foreign investment in all sectors plays an important role in the development of the economy. The classification of commercial banks depends on the source of financing of the authorized capita

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8

Bhange, Anup, Shreya Choudhary, Damini Shrikhande, Dipali Sharma, Khusbhoo Jain, and Vishakha Jain. "Banking Management System Using Salesforce." International Journal of Computer Science and Mobile Computing 11, no. 1 (2022): 1–3. http://dx.doi.org/10.47760/ijcsmc.2022.v11i01.001.

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It is felt that Modern Banking has become wholly customer – driven and technology driven. During the last decade, technology has been dramatically transforming the banking activities in India. Driven by challenges on competition, rising customer expectation and shrinking margins, banks have been using technology to reduce cost. Apart from competitive environment, there has been deregulation as to rate of interest, technology intensive delivery channel like Internet Banking, Tele Banking, Mobile banking and Automated Teller Machines (ATMs) etc. have created a multiple choice to user of the bank

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9

Sus, Yurii. "THREATS AND PROSPECTS OF THE CONCENTRATION OF UKRAINE'S BANKING SYSTEM." sj-economics scientific journal 44, no. 1 (2022): 31–40. http://dx.doi.org/10.58246/sjeconomics.v44i1.268.

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The share of the largest banks is growing in Ukraine. Since 2016, Ukraine's banking system has been similar in terms of concentration to Belgium, Denmark and Spain. An ambiguous influence on the level of competition and on the efficiency of the largest banks is exerted by a significant share of the state in the banking system. It is established that the size of the profitability of the banking system of Ukraine largely depends on the level of concentration and has a sufficient degree of closeness. At the same time, net income in the banking system of Ukraine strongly depends on the level

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10

Arrawatia, Misra, Dawar, and Maitra. "Bank Competition in India: Some New Evidence Using Risk-Adjusted Lerner Index Approach." Risks 7, no. 2 (2019): 44. http://dx.doi.org/10.3390/risks7020044.

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Banks in India have been gone through structural changes in the last three decades. The prices that bank charge depend on the competitive levels in the banking sector and the risk the assets and liabilities carry in banks’ balance sheet. The traditional Lerner Index indicates competitive levels. However, this measure does not account for the risk, and this study introduces a risk-adjusted Lerner Index for evaluating competition in Indian banking for the period 1996 to 2016. The market power estimated through the adjusted Lerner Index has been declining since 1996, which indicates an improvemen

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11

Begimkulov, Emil. "The empirical measurement of competition and digitalization for the banking sector of Kyrgyzstan: Impacts of efficiency, profitability, and stability." Journal of Eastern European and Central Asian Research (JEECAR) 11, no. 5 (2024): 956–67. http://dx.doi.org/10.15549/jeecar.v11i5.1614.

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This study investigates the competitive dynamics and digitalization within Kyrgyzstan's banking sector. The study analyzes the interplay between bank competition, digitalization, profitability, and stability using the two-step Generalized Method of Moments. Banking competition is assessed from 2012 to 2022 via the Lerner Index and the Boone Indicator. Furthermore, a novel method is employed to estimate the bank digitalization index based on the System Dynamics Approach. Findings indicate a competitive landscape marked by monopolistic competition, where digitalization enhances operational effic

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12

Duc Tung, TRAN. "ASSESSMENT OF COMPETITIVENESS OF VIETNAMESE BANKING SYSTEM UNDER GLOBALIZED FINANCIAL CONDITION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 12 (2020): 118–24. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.01.016.

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In the context of financial globalization, commercial banks have to face fierce competitions from domestic and foreign banks. This requires Vietnamese banking system to actively prepare to participate in the integration and competition process. The article assesses the competitiveness of Vietnamese commercial banks in the modern period, and at the same time gives recommendations to improve the competitive abilities of the banking system to maintain the existing market share and developing new markets strategies.

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13

Mishkin, Frederic S. "An Evaluation of the Treasury Plan for Banking Reform." Journal of Economic Perspectives 6, no. 1 (1992): 133–53. http://dx.doi.org/10.1257/jep.6.1.133.

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The Treasury plan for banking reform--Modernizing the Financial System: Recommendations for Safer More Competitive Banks--was released on February 5, 1991 (U.S. Treasury, 1991), and has a stated purpose of promoting a safe, sound, and competitive banking system. It contains recommendations for the most thorough overhaul of the banking regulatory system since the Great Depression. This paper provides a framework for understanding the U.S. banking regulatory system and how it has produced the current crisis in the banking industry, and uses this analysis to evaluate the Treasury plan.

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14

GERSBACH, HANS, and JAN WENZELBURGER. "DO RISK PREMIA PROTECT AGAINST BANKING CRISES?" Macroeconomic Dynamics 12, S1 (2008): 100–111. http://dx.doi.org/10.1017/s1365100508070259.

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This paper examines the question to what extent premia for macroeconomic risks in banking are sufficient to avoid banking crises. We investigate a competitive banking system embedded in an overlapping-generations model subject to repeated macroeconomic shocks. We show that even if banks fully incorporate macroeconomic risks into their pricing of loans, a banking system may enter bankruptcy with probability one. A major cause for this default is that risk premia of a competitive banking system may become too small if the capital base is low.

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15

Masood, Omar, and Bruno S. Sergi. "China’s banking system, market structure, and competitive conditions." Frontiers of Economics in China 6, no. 1 (2011): 22–35. http://dx.doi.org/10.1007/s11459-011-0120-x.

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16

Hondroyiannis, George, Sarantis Lolos, and Evangelia Papapetrou. "Assessing competitive conditions in the Greek banking system." Journal of International Financial Markets, Institutions and Money 9, no. 4 (1999): 377–91. http://dx.doi.org/10.1016/s1042-4431(99)00017-7.

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17

BEGIMKULOV, Emil, and Mónika KUTI. "Analyzing the Effects of Bank Digitalization on Bank Competition and Profitability in Central Asia: Insights from Kyrgyzstan and Kazakhstan." Eurasian Journal of Business and Economics 17, no. 34 (2024): 43–63. http://dx.doi.org/10.17015/ejbe.2024.034.03.

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This research investigates how bank digitalization influences competition and profitability within the banking industries of Kyrgyzstan and Kazakhstan over the period from 2012 to 2023. The bank digitalization index is estimated following the System Dynamics Approach. The assessment of banking competition is conducted using the Lerner Index and the Boone Indicator. The relationships between bank digitalization, competition, and profitability are analyzed through a two-step Generalized Method of Moments analysis. Findings reveal that in Kyrgyzstan, digital transformation enhances bank competiti

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18

Kasri, Rahmatina A., and Nur Iman. "Analisis Persaingan Perbankan Syariah Indonesia: Aplikasi Model Panzar-Rosse." Jurnal Ekonomi dan Pembangunan Indonesia 11, no. 1 (2010): 1–20. http://dx.doi.org/10.21002/jepi.v11i1.178.

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Indonesia is among the few countries that adopts dual banking system where Islamic banks run in parallel and compete with conventional banks. Although under such a system banking competition would be expected to be high, data tend to show the opposite case, as three Islamics banks acquired 65 percent of market share in Indonesia. This study, therefore, attempts to determine the degree of banking competition in Indonesia by employing the Panzar-Rosse Model for 2003-2008 period. The study also analyses the competitive behaviors of Islamic banks and compares it with those of its conventional coun

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19

Siljanoska, Slavica, Marijana Joksimović, and Jozefina Beke-Trivunac. "Cost calculation systems in commercial banks: Traditional system and activity-based calculation system." Revizor 23, no. 91-92 (2020): 97–104. http://dx.doi.org/10.5937/rev2092097s.

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Increasing competition between banks in local and global markets imposed the need for the bank to determine the most competitive prices and markets for its products, which ensures profit maximization while minimizing risk, as well as maintaining optimal product quality. The ability of management to make the right decisions at the right time, largely depends on the adequacy of cost systems that provide a high degree of accuracy in costing, and timely receipt of complete information on each individual banking product. The paper presents a comparative overview of the traditional cost accounting s

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20

К. А. Кirdasinova, R. K. Sabirova, D. A. Aibossynova, and G. К. Kabdullina. "CONTEMPORARY MANAGEMENT OF COMMERCIAL BANKS." BULLETIN 1, no. 383 (2020): 226–34. http://dx.doi.org/10.32014/2020.2518-1467.28.

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The development of a market economy is characterized by instability of both external and internal organizational environment, which leads to the succession of the influence of the compared competitive advantages of credit and financial market entities on the formation of their competitive positions, which, in turn, means that the competitiveness of banks, like other financial institutions, is a relative concept. Competition is a rather subtle and flexible concept. In conditions of reduced demand for banking products and services, banking organizations that provide low-quality banking services

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21

Li, Chiao-Ming, Hsu Chi Wang, Chun-Hsin Chou, and Joe-Ming Lee. "The relationship between implicit moral hazard, corporate governance, and bank lending behavior." E+M Ekonomie a Management 28, no. 1 (2025): 189–207. https://doi.org/10.15240/tul/001/2025-1-012.

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Environmental, social, and governance (ESG) development has indeed changed the original economic operation status through diversified methods. The banking industry, especially under the guidance of ESG, reminds the banking industry that it should focus on regulatory conditions such as lending objects with ESG operating characteristics. In terms of corporate governance, the banking industry needs to adopt high self-management standards for business development. This paper uses the panel threshold model to measure the regional moral hazard of 30 firms in the Taiwan bank industry from 2007 to 201

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22

Muzzupappa, Eleonora, Leone Leonida, and Michele Limosani. "Failure of capital requirements regulation in the banking industry: evidence from a bank-based financial system." Journal of Public Finance and Public Choice 35, no. 1 (2020): 63–79. http://dx.doi.org/10.1332/251569120x15822103468603.

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This article studies the impact of Basel I and Basel II regulation in a bank-based financial system on the degree of competition in the banking sector, as measured via the Panzar and Rosse statistic. Strikingly, our results suggest that, contrary to the regulator’s expectation, stability-oriented regulation reduces competition in the banking sector. Further analysis suggests that while Basel does not have a significant impact on the large banks, it reduces competition among other banks, which move towards uncompetitive dynamics. This shift towards monopoly is aligned with the hypothesis of thi

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23

Medea, Chelidze, Abutidze Gocha, and Gelitashvili Goga. "PECULIARITIES OF THE INFLUENCE OF GLOBALIZATION AND DIGITALIZATION ON THE BANKING SYSTEM." Deutsche internationale Zeitschrift für zeitgenössische Wissenschaft 96 (January 20, 2025): 10–13. https://doi.org/10.5281/zenodo.14698547.

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The development of the banking sector is one of the important conditions for ensuring the sustainability of the economy, a factor of successful economic development and increasing the country's investment attractiveness. In recent years, banking activities under the influence of globalization and digitalization have been undergoing transformation due to the expansion and complication of banking products and services, the emergence of digital banks, the growth of competition between financial institutions and fintech companies, the increase in the volume of the financial market, the growth in t

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Ezrokh, Yuriy. "Institution of Banking Pension Provisions: Preconditions, Nature, Competition with Traditional Institutions." Moscow University Economics Bulletin 2015, no. 2 (2015): 27–55. http://dx.doi.org/10.38050/01300105201523.

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The article analyzes the pension reform implemented in Russia in 2013–2014, provides the modeling of possible pensions, determines the efficiency boundaries for the use of insurance and savings-insurance schemes offered by the Pension Fund of Russia. The author examines the activities and effectiveness in managing pension savings and reserves from non-state pension funds, especially the system of voluntary savings insurance. The study identifies the challenges faced by these financial institutions, which constrain the development of the Russian pension system. Drawing on logical and econometri

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ANUPRIYA. "The Impact of Data Mining Techniques on the Indian Banking System." Turkish Journal of Computer and Mathematics Education 09, no. 01 (2018): 497–508. http://dx.doi.org/10.36893/tercomat.2018.v09i01.497-508.

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A definite transition away from the current post-industrial civilization towards the "Knowledge - based society" is being brought about by the influence of the "information Revolution" that is shaking the sphere. The banking and finance sector which consists of banks, financial firms, and other providers of financial services, is increasingly adopting new ICT developments (ICT). ICT adoption by banks has clearly benefited the banks in the form of improved customer service, reduced transaction expenses, a larger variety of delivery options and goods, etc. All banks are using fintech (Fin Tech)

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26

GUO, Chenchen. "Digital transformation of Russia's banking system as improving the competitiveness of banks." Finance and Credit 27, no. 2 (2021): 385–401. http://dx.doi.org/10.24891/fc.27.2.385.

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Subject. The article discusses the need for digital transformation of banking services in the context of ensuring the appropriate level of competitiveness of banking institutions in the Russian financial market. Objectives. The article aims to identify prospects and trends of the digital transformation of the Russian Federation's banking system in the context of improving the banks' competitive advantages and competitiveness at the current stage of development. Methods. For the study, I used the theoretical and methodological, and systems approaches. Results. The article identifies leaders in

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27

Kloba, Lev. "IMPLEMENTATION OF FINTECH IS THE BANK'S COMPETITIVE ADVANTAGE." Financial and credit activity problems of theory and practice 3, no. 56 (2024): 38–48. http://dx.doi.org/10.55643/fcaptp.3.56.2024.4368.

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The article examines the application of FinTech in banks, the main factors of their emergence and development, and the competitive advantages of the influence of innovative financial technologies in the banking system. Scientific works were analyzed to systematize the main trends in the development of banking innovations in Ukraine and argue the relevance of financial technologies in banking operations in conditions of digitalization. The influence of innovative financial technologies on the competitive advantage of banks in the modern context of the development of FinTech companies has been s

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Várhegyi, Éva. "Bank Competition in Hungary." Acta Oeconomica 54, no. 4 (2004): 403–24. http://dx.doi.org/10.1556/aoecon.54.2004.4.1.

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The Hungarian banking system underwent significant transformation during the last ten years. The early opening of the market, the fairly liberal legislation and the privatisation strategy preferring professional investors brought many foreign banks into the country. Due to the entry of capital-abundant banks, former monopolistic positions eroded rapidly, concentration decreased and the size distribution of the banking system became more even. Beginning from the mid-90s, the effects of cross-border competition also began to show up, especially in corporate markets, where foreign credits became

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Prayoonrattana, Jirawan, Thanarak Laosuthi, and Bundit Chaivichayachat. "Empirical Measurement of Competition in the Thai Banking Industry." Economies 8, no. 2 (2020): 44. http://dx.doi.org/10.3390/economies8020044.

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The degree of competition in the banking industry can be observed and measured by two approaches, structural and nonstructural. Based on these two approaches, there are various indicators, which are different factors and methods. This paper aims to provide calculations, determine a good indicator, and assess the competitive environment of the Thai banking industry. Specifically, there are four indicators—concentration ratio, Herfindahl–Hirschman Index, Lerner Index, and Panzar–Rosse H statistic—which are widely used to examine the efficiency and effectiveness of policies in the banking industr

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30

Riasi, Arash. "Competitive Advantages of Shadow Banking Industry: An Analysis Using Porter Diamond Model." Business Management and Strategy 6, no. 2 (2015): 15. http://dx.doi.org/10.5296/bms.v6i2.8334.

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<p>This paper tries to find out why shadow banking system has become so competitive in the global financial system and how it can be controlled. For this reason we use Porter’s diamond model to find the competitive advantages of shadow banking. Based on the results of this study it can be concluded that factor conditions, chance and government do not contribute to the competitiveness of shadow banking industry. On the other hand the results suggested that related and supporting industries, firm strategy, structure and rivalry, and demand conditions contribute to the competitiveness of sh

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31

Guruli, Ana. "The impact of the banking system concentration level and the pandemic on the Georgian banking sector." Economics. Ecology. Socium 5, no. 1 (2021): 24–32. http://dx.doi.org/10.31520/2616-7107/2021.5.1-3.

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Introduction. The importance of the banking sector is vital for the economic development of any country, since it is the main structural unit of monetary use, which plays the greatest role in the development of the state. As in all markets, we are faced with competition in the banking market, which is characterized by certain specifics, since the main product is money that cannot be replaced by other goods, and the main purpose of competition is to gain an advantage among agents operating in the same market, which is reflected in the final profit. The more the banking market develops and the m

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Huzar, Bohdan, Kateryna Melnyk, Svitlana Ptashnyk, and Vitaly Shein. "PROVISION OF BANKING SERVICES IN THE CONTEXT OF THE SUSTAINABILITY OF THE BANKING SYSTEM: CURRENT TRENDS AND DEVELOPMENT DIRECTIONS." Economic scope, no. 194 (November 11, 2024): 107–13. http://dx.doi.org/10.30838/ep.194.107-113.

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The article examines banking services in the context of the stability of the banking system: current trends and directions of development. The current stage of development of the global banking system operates under conditions of intensified competition and crisis phenomena in financial markets. One of the main factors in the successful development of the domestic banking system is the policy of constant innovations.Currently, innovation is a key factor in the stability, competitiveness and sustainable economic growth of domestic banks. The sustainable development of the national economy is ac

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Viadrova, I. M., and M. V. Morozov. "Essence of Competitiveness in the Banking Sector: The Status and Problems." Business Inform 11, no. 514 (2020): 324–30. http://dx.doi.org/10.32983/2222-4459-2020-11-324-330.

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The article is aimed at closer defining the content of the concept of «bank competitiveness», as well as analyzing the status and problems of ensuring a competitive environment in the banking system of Ukraine. The essence of banking competition was researched and a critical analysis of approaches to understanding the concept of «bank competitiveness» was carried out. Under the concept of «bank competitiveness», it is proposed to understand the integral characterization, which will reflect the real and potential opportunities of the bank to create and promote competitive products and services

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Viadrova, I. M., and M. V. Morozov. "Essence of Competitiveness in the Banking Sector: The Status and Problems." Business Inform 11, no. 514 (2020): 324–30. http://dx.doi.org/10.32983/2222-4459-2020-11-324-330.

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The article is aimed at closer defining the content of the concept of «bank competitiveness», as well as analyzing the status and problems of ensuring a competitive environment in the banking system of Ukraine. The essence of banking competition was researched and a critical analysis of approaches to understanding the concept of «bank competitiveness» was carried out. Under the concept of «bank competitiveness», it is proposed to understand the integral characterization, which will reflect the real and potential opportunities of the bank to create and promote competitive products and services

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35

Pihul, Nataliya G., Olena S. Zhuravka, and Liudmyla B. Riabushka. "Features of the Organization of the Domestic System of Banking Regulation and Supervision." Business Inform 8, no. 547 (2023): 247–54. http://dx.doi.org/10.32983/2222-4459-2023-8-247-254.

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The aim of the article is to study the features of the organization of the system of banking regulation and supervision in Ukraine in the current economic conditions. The article analyzes the current state of development of the banking system in Ukraine. On the basis of the carried out assessment of the main banking indicators, the trends that have developed in recent years in the banking sector are noted. The role of banking regulation and supervision to ensure the development of the banking sector is defined, which is meant to ensure its stable functioning and development. On the basis of th

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Neldner, Manfred. "Competition Necessarily Tends to Produce Excess: The Experience of Free Banking in Switzerland." German Economic Review 4, no. 3 (2003): 389–408. http://dx.doi.org/10.1111/1468-0475.00086.

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Abstract According to McCulloch, Longfield and Loyd, a free banking system is always prone to overissues of bank notes. Their view is supported by the free banking era in Switzerland (1826-1907), where, due to competitive pressures within the banking community and the absence of note-brand loyalty on the part of the general public, overissues (causing a rise in the foreign exchange rates above the upper gold and silver points) finally became permanent. Free competition, therefore, had to give way to collusive action and, in 1907 (with the open consent of the issuing banks), to the establishmen

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Kumalasari, R. Amalina Dewi, Kartika Indah Permanasari, Magdalena Karismariyanti, and Dadang Munandar. "Mobile Banking: System Quality, Information Quality, Service Quality, Customer Satisfaction and Loyalty." Jurnal Ad'ministrare 9, no. 1 (2022): 141. http://dx.doi.org/10.26858/ja.v9i1.33951.

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The tight competition in the banking industry in the digital era encourages the digital transformation of the banking industry to remain competitive. This condition further widens the opportunities for banks to enter the digital banking business. On the other hand, other banks maintain the existing ecosystem by continuing to provide online services. Online services can be a choice of consumers to facilitate transactions. Quality information systems and services improve the consumer experience of using service technology. The successful implementation of service technology can be seen from user

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Kasiya, Kirdasinova, Omarbekova Nazerke, Tolysbaev Baurzhan, Utegenova Zhuldyz, and Ashimova Indira. "Digital transformation of banking services: development scenarios and management mechanisms." Eastern-European Journal of Enterprise Technologies 6, no. 13 (120) (2022): 107–13. https://doi.org/10.15587/1729-4061.2022.266542.

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The search for new economic tools, technologies, and directions for the development of banking services in the context of increased competition is caused by the presence of several problems, which are outlined in the following way<strong>. </strong>First, the developing Kazakh banking services market is very attractive for foreign financial institutions, whose entry into the financial markets of leads to an increase in market concentration, and, as a result, an increase in competitive pressure. Secondly, the recent trend of growth of the Kazakh economy and the development of its real sect

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Wahid, Muhamad Azhari. "Comparing the competition of Malaysia Islamic and conventional banks." Journal of Islamic Accounting and Business Research 8, no. 1 (2017): 23–40. http://dx.doi.org/10.1108/jiabr-06-2015-0022.

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Purpose This study aims to analyse three main questions within the Malaysian banking system: Are Islamic banks more competitive than conventional banks? What are the levels of competition for Islamic and conventional banking sectors pre, during and post the 2007-2009 global financial crisis? Does penetration of Islamic banks affect the competitive structure of conventional banks? Design/methodology/approach In measuring a bank competition, the author estimates the Panzar–Rosse H-statistic (PRH) method on 17 Islamic and 21 conventional banks in Malaysia over the period of 2004-2013. This is the

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KHAMITKHAN, Nazgul, Eric BAKHYT, and Alma KARSHALOVA. "Developing Internet Banking within the Context of Building A Bank’s Competitive Advantage." Journal of Advanced Research in Law and Economics 9, no. 4 (2018): 1286. http://dx.doi.org/10.14505//jarle.v9.4(34).14.

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This paper examines existing theoretical approaches to determining the essence of the concept of Internet banking as a banking service. The authors have conducted an analysis of the concept of Internet banking through the lens of its major characteristics in accordance with various approaches. The paper summarizes the scholarly/theoretical foundations of the effect of Internet banking on banks’ competitiveness; identifies some of the key trends in the development and areas for the implementation of the system of serving Internet banking clients; determines the methodological characterist

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Birajdar, Bhaskar. "Voyage of Indian Banking Sector: 1979-2007." Journal of Global Economy 6, no. 4 (2010): 243–52. http://dx.doi.org/10.1956/jge.v6i4.64.

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Observing through the voyage of India Banking Sector, it could be concluded that Indian banking system is operating under competitive state of affairs and earns revenues as if under monopolistic competition, despite not depending on traditional source of fund in the form of deposits as profitability, i.e., return on assets are increasing and approaching towards industry ratio. But still foreign banks functioning in India are on a higher plane with respect to its performance in comparison with other bank groups. Costs of deposits and return on advances of all scheduled commercial banks have dec

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BLAHUN, Ivan, and Liudmyla GRYNEVYCH. "MARKETING MANAGEMENT IN THE MANAGEMENT SYSTEM OF A BANKING INSTITUTION." Herald of Khmelnytskyi National University. Economic sciences 308, no. 4 (2022): 135–39. http://dx.doi.org/10.31891/2307-5740-2022-308-4-21.

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The article deals with the introduction of software into the bank’s business process. Marketing management plays an important role in the management system of a banking institution. Yes, this is especially evident in his marketing activities. Constant competition in the banking sector creates the need to find new forms of influence on bank clients. To do this, it is necessary to understand the strengths of the bank-competitor and to form its own marketing development strategy accordingly. Marketing research is precisely the tool that allows you to collect, analyze and determine the directions

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G.C., Surya Bahadur, and Gyaneswar Sharma. "Effect of Bank Competition on Financial Stability: Empirical Evidence from Nepal." Economic Literature 13 (February 8, 2018): 19. http://dx.doi.org/10.3126/el.v13i0.19147.

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<p>There are two hypotheses about the relationship between competition and financial stability in the banking system: “competition-fragility” view argues that competition makes banks more likely totake excessive risks, thereby leading to fragility, while “competition-stability” view suggests that higherinterest rates in less competitive environments may cause borrowers to take higher risks,resulting in higher probability of non-performing loans and a more fragile system. This paper empirically examines the impact of competition on Nepalese banking system employing annual data of commerci

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Radojičić, Jelena, Mirjana Jemović, and Dejan Dragijević. "An Analysis of Concentration and Competition in the Banking Sector of the Republic of Serbia." Economic Themes 59, no. 4 (2021): 427–44. http://dx.doi.org/10.2478/ethemes-2021-0024.

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Abstract The degree of the banking sector concentration is a structural variable and refers to the number of banks in the system and the degree of their market power. The importance of measuring concentration in the banking sector stems from the causal relationship between the market structure and the competitive behaviour of market participants. Traditional models measuring the banking sector competition proceed from the market structure and concentration measures. In contrast, modern approaches to measuring competition rely on non-structural models and analysis of the behaviour of market par

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Filippov, Volodymyr, and Oleksandra Korsikova. "Ways to Increase the Competitiveness of Banking Institutions." Economics: time realities 2, no. 66 (2023): 60–68. http://dx.doi.org/10.15276/etr.02.2023.8.

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Banking is one of the most competitive industries, which is crucial for the financial stability of the economy. The ability of financial institutions to compete depends on a variety of elements, including management efficiency, resourcefulness and market adaptability. Unlike other countries of the world, the competitiveness of banking institutions on the Ukrainian market is still quite low. This is caused by many factors, first of all, the invasion of Ukraine by an aggressor country, which led to an increase in the level of risks, a slowdown in the development of financial culture, and a lack

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Volodymyr, Yu. Filippov, and O. Korsikova Oleksandra. "Ways to Increase the Competitiveness of Banking Institutions." Economics: time realities 2, no. 66 (2023): 60–68. https://doi.org/10.5281/zenodo.8155050.

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Banking is one of the most competitive industries, which is crucial for the financial stability of the economy. The ability of financial institutions to compete depends on a variety of elements, including management efficiency, resourcefulness and market adaptability. Unlike other countries of the world, the competitiveness of banking institutions on the Ukrainian market is still quite low. This is caused by many factors, first of all, the invasion of Ukraine by an aggressor country, which led to an increase in the level of risks, a slowdown in the development of financial culture, and a lack

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Maharani, Novita Kusuma, and Alwahidin Alwahidin. "Disruption or Catalyst? Foreign Banks' Impact on Competition in Indonesia's Islamic-Conventional Banking Ecosystem." ETIKONOMI 24, no. 1 (2025): 1–16. https://doi.org/10.15408/etk.v24i1.36338.

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Research Originality: This study uniquely examines the impact of foreign bank penetration on bank competition within Indonesia's dual-banking system. By incorporating the moderating effect of Islamic banks, this research provides novel insights into the dynamics of bank competition in a multi-faceted financial ecosystem.Research Objectives: This study investigates the impact of foreign banks on the level of competition in Indonesia's dual-banking system, encompassing both Islamic and conventional banks.Research Methods: The study employs panel data analysis of Islamic and conventional banks in

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Kaur,, Baljeet. "Banking Sector Reforms and Agricultural Crédit : An Overview." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35871.

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A strong and aggressive banking system is required for a globally competitive financial system. The current banking system is the result of previous reforms and policy changes. The period known as post-reform phase has been divided into three distinct chronological periods. The first one lasted from around 1991 up to 1998. Second phase of reforms began from year 1998 and lasted till the commencement of the global economic downturns held in year 2008. Another one phase is ongoing. This article focuses on India's banking industry, which has attracted increasing interest since the economic reform

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Karunakaran, N., and T. Bayavanda Chinnappa. "Consolidation in the banking industry: HR challenges, consequences and solutions." Journal of Management Research and Analysis 8, no. 3 (2021): 147–51. http://dx.doi.org/10.18231/j.jmra.2021.030.

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Liberalization and deregulation process started in 1991 has made lot of changes in the banking system. From a totally regulated environment, banking institutions have moved into a market driven competitive system. Changes gained momentum in the last few years. Globalization would gain greater speed in coming years particularly on account of expected opening up of financial services under WTO. Four trends changed the banking industry world over, viz, consolidation of players through mergers and acquisitions, globalization of operations, development of new technology, and universalisation of ban

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Shcherbakov, G. A. "Digital Ecosystems as a Way to Achieve Competitive Advantages in the Financial Market: System Analysis of the Problem." MIR (Modernization. Innovation. Research) 13, no. 1 (2022): 42–59. http://dx.doi.org/10.18184/2079-4665.2022.13.1.42-59.

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Purpose: of this article is to study the expanding practice of applying the ecosystem approach in the business life of organizations and the degree of its impact on future transformations of the economic system. The research focuses on the segment of digital ecosystems of the banking sector related to non-financial areas of economic activity.Methods: when preparing the article, a wide range of research methods were used – the method of systems analysis, methods of modeling and comparative historical analysis, as well as logical and inductive methods.Results: the banking sector is actively deve

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