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Journal articles on the topic 'DISTANCE BANKING'

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1

Buch, Claudia M. "Distance and International Banking." Review of International Economics 13, no. 4 (2005): 787–804. http://dx.doi.org/10.1111/j.1467-9396.2005.00537.x.

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2

Brevoort, Kenneth P., and John D. Wolken. "Does Distance Matter in Banking?" Finance and Economics Discussion Series 2008, no. 34 (2008): 1–36. http://dx.doi.org/10.17016/feds.2008.34.

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3

Melikov, Otabek Maxmadaminovich. "The Role Of Distance Banking Services In The Context Of Integration Processes." American Journal of Management and Economics Innovations 03, no. 01 (2021): 28–35. http://dx.doi.org/10.37547/tajmei/volume03issue01-07.

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This article describes in detail the essence, advantages of "Distance banking services", "Internet-banking" and "Mobile-banking" in the context of integration processes, remote services in the banks of the country and their status. Statistical analysis of users of remote banking systems was carried out, as well as comparative analysis with world indicators. It also suggests the interdependence of factors influencing the development of distance banking services and ways to further improve it.
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4

Brei, Michael, and Goetz von Peter. "The distance effect in banking and trade." Journal of International Money and Finance 81 (March 2018): 116–37. http://dx.doi.org/10.1016/j.jimonfin.2017.10.002.

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5

Booker, Henry Marshall. "Distance education: Money and banking without a classroom." International Advances in Economic Research 4, no. 2 (1998): 202. http://dx.doi.org/10.1007/bf02295492.

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6

Sy, Amadou N. R., and Jorge A. Chan-Lau. "Distance-To-Default in Banking: A Bridge too Far?" IMF Working Papers 06, no. 215 (2006): 1. http://dx.doi.org/10.5089/9781451864755.001.

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7

Chan-Lau, Jorge A., and Amadou N. R. Sy. "Distance-to-default in banking: A bridge too far?" Journal of Banking Regulation 9, no. 1 (2007): 14–24. http://dx.doi.org/10.1057/palgrave.jbr.2350056.

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8

FELICI, ROBERTO, and MARCELLO PAGNINI. "DISTANCE, BANK HETEROGENEITY AND ENTRY IN LOCAL BANKING MARKETS*." Journal of Industrial Economics 56, no. 3 (2008): 500–534. http://dx.doi.org/10.1111/j.1467-6451.2008.00357.x.

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Xanthopoulou, Panagiota, and Dimitris Athanasopoulos. "E-LEARNING IN THE BANKING SECTORCASE STUDY OF THE NATIONAL BANK OF GREECE." International Journal of Advanced Research 9, no. 08 (2021): 682–93. http://dx.doi.org/10.21474/ijar01/13316.

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This research deals with the issue of distance education in the human resources of banks and specifically of the National Bank of Greece. The purpose of the research was to investigate how distance education affects the human resources of banks in developing their management skills. The research methodology followed was quantitative, while the research tool used was the online questionnaire. The survey sample consisted of 82 people working in the banking sector and their selection was made according to convenient sampling.The results showed that distance education works beneficially for the in
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Flögel, Franz, and Stefan Gärtner. "Lost diversity: Business lending in the centralised banking system of the UK." Vierteljahrshefte zur Wirtschaftsforschung 87, no. 4 (2018): 67–85. http://dx.doi.org/10.3790/vjh.87.4.67.

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Zusammenfassung: Aufbauend auf der Klassifikation vom dezentralen und zentralen Banking untersucht dieser Beitrag die Diversität in der Unternehmenskreditvergabe des Vereinigten Königreichs. Anhand von Experteninterviews und Literaturrecherche wurde die Distanz in den Kreditvergabeentscheidungen an KMU für verschiedene Typen von Banken und anderen Finanzintermediären klassifiziert. Aufgrund des frühen Ausscheidens von regionalen und nicht rein profitorientierten Banken (Sparkassen und Genossenschaftsbanken) existieren heute kaum noch Finanzintermediäre, die Kredite dezentral, das heißt in räum
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Ayomi, Sri, Eleonora Sofilda, Muhammad Zilal Hamzah, and Ari Mulianta Ginting. "The impact of monetary policy and bank competition on banking industry risk: A default analysis." Banks and Bank Systems 16, no. 1 (2021): 205–15. http://dx.doi.org/10.21511/bbs.16(1).2021.18.

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In the financial system and economy, the banking industry plays a crucial role. Default risk takes central stage in preserving financial stability and needs to be mitigated as it can trigger a crisis. The study examines the combined effects of monetary policy and bank competition on banking defaults. Using a sample of 95 commercial banks in Indonesia between 2009 and 2019, this study employs the Generalized Method of Moments, a two-step dynamic panel-data estimation system, to analyze it. Empirical estimation results show that monetary policy, through an increase in the benchmark interest rate
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Tzeremes, Nickolaos G. "Efficiency dynamics in Indian banking: A conditional directional distance approach." European Journal of Operational Research 240, no. 3 (2015): 807–18. http://dx.doi.org/10.1016/j.ejor.2014.07.029.

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13

Chuang, Chao Chao. "Customer Adoption of Internet Banking: An Empirical Investigation in Taiwanese Banking Context." Information Management and Business Review 4, no. 11 (2012): 570–82. http://dx.doi.org/10.22610/imbr.v4i11.1015.

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In these days, banks work hard to attract consumers and keep their market share by providing them with more innovative services through Internet banking. Banking services are now just at the distance of one click from the mouse. The purpose of this paper is to explore how and why specific factors affect adoption of Internet banking in Taiwan context. The findings suggest six identified factors are significant in respect of customers’ adoption of Internet banking services. Convenience, accessibility and feature availability are the main motivators for consumers to use Internet banking service
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14

Özyildirim, Süheyla, and Zeynep Önder. "Banking Activities and Local Output Growth: Does Distance from Centre Matter?" Regional Studies 42, no. 2 (2008): 229–44. http://dx.doi.org/10.1080/00343400601142829.

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15

Ghosh, Saibal. "Financial Inclusion in India: Does Distance Matter?" South Asia Economic Journal 21, no. 2 (2020): 216–38. http://dx.doi.org/10.1177/1391561420961649.

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Employing a novel district-level survey data for India, the study investigates the impact of distance on financial inclusion. Using advanced econometric techniques, the findings indicate that distance primarily dampens the use of bank accounts as compared with access. These results are robust irrespective of whether distance is measured in terms of the time taken to reach the banking infrastructure or physical distance. These results are robust to a wide battery of robustness checks. The analysis suggests the need for policy strategies that can address the tyranny of distance towards achieving
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16

Carretta, Alessandro, Vincenzo Farina, and Paola Schwizer. "Risk culture and banking supervision." Journal of Financial Regulation and Compliance 25, no. 2 (2017): 209–26. http://dx.doi.org/10.1108/jfrc-03-2016-0019.

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Purpose This paper aims to analyzing the main risk culture traits of a sample of Central Banks and Supervisory Authorities in Europe as well as of the European Central Bank (ECB). Design/methodology/approach Risk culture is measured through text data processing of the official discourses made by the head Supervisory Authorities, during the years from 1999 to 2012. Findings Results highlight heterogeneous but converging risk cultures for European Union (EU) supervisors and the presence of a “distance” between these cultures and the risk culture of the ECB. Originality/value The paper points out
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17

Cavus, Nadire, and Dambudzo Netsai Chingoka Christina. "Information technology in the banking sector: Review of mobile banking." Global Journal of Information Technology 5, no. 2 (2016): 62. http://dx.doi.org/10.18844/gjit.v5i2.196.

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<p>This paper is written to state the advantages and disadvantages, the different models to test the effects of individual’s intention to adopt mobile banking, the different technologies that are being implemented currently by banks and what the future holds for mobile banking. Information Technology (IT) has evolved over time and has changed the way business is conducted. The way people conduct business has been made easier and more efficient. IT has opened many doors for new technologies that are used within business and for individual use; the Banking sector is of no exception. Mobile
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CHAIKOVSKYI, Yaroslav, and Yaroslava KOVALCHUK. "BANKING INNOVATIONS: PERSPECTIVES AND THREATS OF ELECTRONIC BANKING SERVICES." WORLD OF FINANCE, no. 4(57) (2018): 121–36. http://dx.doi.org/10.35774/sf2018.04.121.

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Introduction. Nowadays, innovation is not the only economic phenomena, which affects the growth of productivity of factors of production, growth of volumes of production, structural changes, economic growth and national competitiveness, etc. Now innovations have become identified with development and improvement in all areas of the economy, including banking business. The purpose of the article is to disclose the concept of “banking innovations” and then to study the current state of electronic banking innovations in Ukraine, to identify the main threats, which influence the development of inn
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19

BYERS, REYNOLD, SHUYA YIN, and XIAONA ZHENG. "ATM PRICING AND LOCATION GAMES IN THE RETAIL BANKING INDUSTRY." Asia-Pacific Journal of Operational Research 29, no. 01 (2012): 1240001. http://dx.doi.org/10.1142/s0217595912400015.

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This paper studies a competitive Hotelling-style market with two symmetric banks that decide the pricing and location of their automated teller machines (ATMs). Two different systems are considered: An unregulated model wherein banks are allowed to set surcharges, and a regulated model in which surcharges are banned. We derive equilibrium outcomes and compare them in the two systems, and find that banks always maintain a certain distance between ATMs. That distance is larger, indeed maximized, under the regulatory scheme. We also show that, surprisingly, banks always perform better in the regu
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20

Radojicic, Milan, Gordana Savic, and Veljko Jeremic. "MEASURING THE EFFICIENCY OF BANKS: THE BOOTSTRAPPED I-DISTANCE GAR DEA APPROACH." Technological and Economic Development of Economy 24, no. 4 (2018): 1581–605. http://dx.doi.org/10.3846/tede.2018.3699.

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The efficiency of the banking sector, particularly in developing countries, has captivated the attention of various researchers. Contributing to this issue, we present the results of in-depth analysis of the efficiency of Serbian banks during the period 2005–2016. Unlike previous papers evaluating the efficiency of South-Eastern European banks, we emphasize the importance of applying weight restrictions in Data Envelopment Analysis (DEA). The aim is to incorporate every aspect of a decision-making unit’s performance to avoid misevaluation of a bank’s efficiency. As a possible remedy to the iss
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21

Kato, Paul, and Jens Hagendorff. "Distance to default, subordinated debt, and distress indicators in the banking industry*." Accounting & Finance 50, no. 4 (2010): 853–70. http://dx.doi.org/10.1111/j.1467-629x.2010.00354.x.

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22

Ramdhany, Priadhi Harry. "HUBUNGAN HUKUM ANTARA BANK DENGAN AGEN LAKU PANDAI (BRANCHLESS BANKING) DALAM PELAKSANAAN PERANTARA KEUANGAN (FINANCIAL INTERMEDIARY) DIHUBUNGKAN DENGAN PRINSIP KEPERCAYAAN (FIDUCIARY PRINCIPLE)." Aktualita (Jurnal Hukum) 2, no. 2 (2019): 455–72. http://dx.doi.org/10.29313/aktualita.v2i2.4841.

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Bank as a financial services institution monetary and funds for people who have trusted to save their money and other’s loan for some capital to operate their business. Otherwise there are many people in Indonesia do not having deposite or knowing financial services such; Loan for capital business. For example in Indonesia financial services only reach 52% from population. There are many factors include low income, there are no social guarantee otherwise the Bank distance is to far. Branchless Banking is a disruptive innovation from financial services for outreach people commonly village to in
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23

Mayank Jindal and Dr. Vijay Laxmi Sharma. "Usability of Online Banking in India during Covid-19 Pandemic." International Journal of Engineering and Management Research 10, no. 6 (2020): 69–72. http://dx.doi.org/10.31033/ijemr.10.6.10.

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Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the world since Dec 2019 by the close contact of an infected person or fomites of Covid-19. It developed naturally in Wuhan (An State of China) or possibly develop by China research center “Wuhan Institute of Virology”. It is spreading very fast across the world. World Health Organization and most countries including India it has declared a pandemic. People can protect themselves by this pandemic by maintaining social distance. But the basic need (Food and Medicine) is important for continuo their life a
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24

Zhou, Bin. "A Study of Cross-Market Branch Banking in Illinois." International Journal of Applied Geospatial Research 7, no. 1 (2016): 1–15. http://dx.doi.org/10.4018/ijagr.2016010101.

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This paper investigates the role of a host of geographical factors in shaping the cross-market branch banking network, using Illinois as a case study. The study adopts the multiple regression quadratic assignment procedure from social network analysis in non-parametric estimation. The research finds that cross-market branch banking is subject to distance decay. While the urban place hierarchy (including market size and population density) contributes positively to the role of places as control centers, its role in forming cross-market branch banking markets is more profound. The network centra
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25

C, PACKIALAKSHMI. "A study on service quality of information technology with reference to private and public sector banks in thoothukudi district." Journal of Management and Science 1, no. 1 (2013): 136–43. http://dx.doi.org/10.26524/jms.2013.18.

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The financial reforms that were initiated in the early 1990s and the globalization and liberalization measures brought in a completely new operating environment to the banks. The bankers are now offering innovative and attractive technology based services and products such as Anywhere Banking, Anytime Banking, Telebanking, Internet Banking, Web Banking ect., to their customers to cope with the competition. Internet banking is a new delivery channel for banks in Thoothukudi. Technology plays a vital role in improving the quality of services provided by the business units. Advent and adoption of
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26

Et. al., Aniek Susilowati. "Effects of UTAUT 2 Model on the Use of BCA Mobile Banking in Indonesia." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (2021): 5378–87. http://dx.doi.org/10.17762/turcomat.v12i3.2183.

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The m-banking service is a long-distance transaction platform that is innovative and strategic product provided by financial institution. It has succeeded in removing physical limitation of banking activities through the use of mobile device by customers. Support for the advance in internet technology bringing about considerable and continuous changes in banking operational have enabled customers to connect with business world and make transaction at any time, so that it also changes how customers use banking services. The World’s Best Bank has positioned BCA as a bank capable of adapting to p
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27

Dash, Satyabhusan, Ed Bruning, and Manaswini Acharya. "The effect of power distance and individualism on service quality expectations in banking." International Journal of Bank Marketing 27, no. 5 (2009): 336–58. http://dx.doi.org/10.1108/02652320910979870.

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28

Onoabhagbe, Gomari, Russell, Ugwu, and Ubogu. "Phase Change Tracking Approach to Predict Timing of Condensate Formation and its Distance from the Wellbore in Gas Condensate Reservoirs." Fluids 4, no. 2 (2019): 71. http://dx.doi.org/10.3390/fluids4020071.

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Production from gas condensate reservoir poses the major challenge of condensate banking or blockage. This occurs near the wellbore, around which a decline in pressure is initially observed. A good sign of condensate banking is a rise in the gas–oil ratio (GOR) during production and/or a decline in the condensate yield of the well, which leads to considerable reductions in well deliverability and well rate for gas condensate reservoirs. Therefore, determining the well deliverability of a gas condensate reservoir and methods to optimize productivity is paramount in the industry.
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Kumail Abbas Rizvi, Syed, Bushra Naqvi, and Fatima Tanveer. "Mobile Banking: A Potential Catalyst for Financial Inclusion and Growth in Pakistan." LAHORE JOURNAL OF ECONOMICS 22, Special Edition (2017): 251–81. http://dx.doi.org/10.35536/lje.2017.v22.isp.a11.

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Almost half the world’s adult population lacks access to a formal bank account and other financial services. Pakistan is no exception and it is also among those countries at the lower end of the spectrum of financial inclusion. However, steps are being taken by government regulators and the private sector to improve access to financial services such as credit, savings, remittances and insurance. The introduction of mobile banking is a notable step in this context. Mobile banking, which comprises mobile wallets and over-the-counter transactions, is rapidly growing around the world and has the p
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30

Yuen, Yee Yen, Paul HP Yeow, and Nena Lim. "Internet banking acceptance in the United States and Malaysia: a cross-cultural examination." Marketing Intelligence & Planning 33, no. 3 (2015): 292–308. http://dx.doi.org/10.1108/mip-08-2013-0126.

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Purpose – The purpose of this paper is to investigate the cultural differences in internet banking adoption between the USA and Malaysia. It aims to provide marketing recommendations based on specific cultural dimensions to promote internet banking. Design/methodology/approach – With four added variables (attitude towards use, perceived credibility, self-efficacy, and anxiety), the Unified Theory of Acceptance and Use of Technology model was used. A questionnaire was developed based on the research model and distributed to 1,050 internet banking users from two countries. Structural equation mo
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31

Adesoga, Adefulu, and Louise Van Scheers. "Consumer perceptions of banking services: Factors for bank’s preference." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 375–79. http://dx.doi.org/10.22495/rcgv6i4c3art2.

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The paper examined consumer perceptions of banking services as a factor for bank’s preference among open and distance learning students. Survey research method was adopted. The population of study was the ODL students from which sample were selected using stratified random sampling technique. Questionnaire was administered on selected samples. The research instrument was validated through content validity while reliability was done through test-re-test method. Respondents’ perceptions of banking services were captured using the factor analysis technique to determine perceptions order of import
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32

Salleo, Carmelo, Alberto Grassi, and Constantinos Kyriakopoulos. "A Comprehensive Approach for Calculating Banking Sector Risks." International Journal of Financial Studies 8, no. 4 (2020): 69. http://dx.doi.org/10.3390/ijfs8040069.

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We propose a comprehensive approach for the analysis of real economy and government sector risk transmission to the banking system and apply it in ten Euro-Area countries from 2005 to 2017. A flexible methodology is developed to model banks’ assets according to the risk-adjusted balance sheet of the counterparts. The use of distance to distress as a popular risk metric shows that Contingent Claims Analysis underestimates banks risk in stable periods and overstates it during crisis. Furthermore, the approach succeeds in detecting spillovers from households, non-financial corporations and sovere
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Mlambo, Courage, David Mapondera, and Morris Tenderere. "Barriers And Challenges Restraining Zimbabwean Banks In Going Multinational." International Business & Economics Research Journal (IBER) 14, no. 2 (2015): 297. http://dx.doi.org/10.19030/iber.v14i2.9111.

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This paper investigates the barriers and challenges restraining Zimbabwean banking institutions in going multinational. The paper drew attention from the fact that although multinational banking had increased drastically in the last two decades, Zimbabwean banks have failed to go multinational. Findings from this study indicate that cultural distance, government policy, information asymmetry, level of technology, legal and regulatory barriers and barriers to entry are the main challenges that restrain Zimbabwean banks from going multinational. The paper also examines policy options to address
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34

Choudhury, Tonmoy, Simone Scagnelli, Jaime Yong, and Zhaoyong Zhang. "Non-Traditional Systemic Risk Contagion within the Chinese Banking Industry." Sustainability 13, no. 14 (2021): 7954. http://dx.doi.org/10.3390/su13147954.

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Systemic risk contagion is a key issue in the banking sector in maintaining financial system stability. This study is among the first few to use three different distance-to-risk measures to empirically assess the domestic interbank linkages and systemic contagion risk of the Chinese banking industry, by using bivariate dynamic conditional correlation GARCH model on data collected from eight prominent Chinese banks for the period 2006–2018. The results show a relatively high correlation among almost all the banks, suggesting an interconnectedness among the banks. We found evidence that the bank
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López-Penabad, Maria Celia, Ana Iglesias-Casal, and José Fernando Silva Neto. "Competition and Financial Stability in the European Listed Banks." SAGE Open 11, no. 3 (2021): 215824402110326. http://dx.doi.org/10.1177/21582440211032645.

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The analysis of the relationship between bank competition and financial stability remains a controversial issue and widely discussed in the academic and political community. Using a sample of 117 listed banks in 16 European countries for the years 2011 to 2018, the article explores the impact of market power, measured by the Lerner index, on the bank stability, measured by distance-to-default and Z score. Our results show that for the overall sample, higher market power in banking decreases the risky behavior of banks, confirming the “competition-fragility” view. We do not find any support for
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36

Altynnikova, L. A., I. V. Kuznetsova, O. A. Stepanova, and M. E. Khanenko. "Problems of Distance Banking Service under Modern Conditions of the Development of Payment System." OrelSIET Bulletin, no. 1 (47) (2019): 18–22. http://dx.doi.org/10.36683/2076-5347-2019-1-47-18-22.

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37

Huang, Tai-Hsin, and Ming-Tai Chung. "Do undesirables matter on the examination of banking efficiency using stochastic directional distance functions." Quarterly Review of Economics and Finance 65 (August 2017): 194–211. http://dx.doi.org/10.1016/j.qref.2016.09.007.

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38

Koutsomanoli-Filippaki, Anastasia, Dimitris Margaritis, and Christos Staikouras. "Profit efficiency in the European Union banking industry: a directional technology distance function approach." Journal of Productivity Analysis 37, no. 3 (2011): 277–93. http://dx.doi.org/10.1007/s11123-011-0261-z.

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Sun, Kai, and Ruhul Salim. "A semiparametric stochastic input distance frontier model with application to the Indonesian banking industry." Journal of Productivity Analysis 54, no. 2-3 (2020): 139–56. http://dx.doi.org/10.1007/s11123-020-00589-3.

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da Costa, Raquel R., and Sérgio Lagoa. "The eurozone target-system from the perspective of Portugal." Acta Oeconomica 68, no. 3 (2018): 353–76. http://dx.doi.org/10.1556/032.2018.68.3.3.

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Payment systems make a significant contribution to the flow of transactions and financial stability. In this paper, we start by applying the principles of the gravity model to explain the TARGET flows of banking transactions between Portugal and other eurozone countries. The main explanatory variables tested are a composite indicator of economic and financial activities, distance, membership of the Eurozone (EZ), and country risk measured by treasury bond yields. The results indicate that Portugal has a high level of integration in the European banking market as distance is not statistically s
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Inegbedion, Henry, Emmanuel Edo Inegbedion, Samuel Jesuorobo Osifo, Sunday C. Eze, Adebanji Ayeni, and Olamide Akintimehin. "Exposure to and usage of e-banking channels." Journal of Science and Technology Policy Management 11, no. 2 (2019): 133–48. http://dx.doi.org/10.1108/jstpm-02-2019-0024.

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Purpose Emphasis of previous research on e-banking has been on factors that influence its adoption or constraints to the adoption or the extent to which customer awareness influences its adoption. This study investigated “Exposure to/usage of e-banking channels: Implications for customer awareness and attitude in Nigeria”. The purpose of this paper is to determine the extent to which consumers’ exposure to and usage of e-banking channels influence their awareness and attitude towards e-banking in Nigeria. Design/methodology/approach The study used the quantitative research design; specifically
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Pekasiewicz, Dorota, and Agata Szczukocka. "Analysis of the development of financial and banking services in Poland in comparison to the European Union countries." Wiadomości Statystyczne. The Polish Statistician 62, no. 10 (2017): 38–51. http://dx.doi.org/10.5604/01.3001.0014.1055.

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In recent years the services sector has been playing a dominant role in economic and social life, as reflected by its predominant share in the creation of gross value added, and a growing share of employment. The aim of the article is to draw attention to the development of financial and banking services in Poland as compared to other EU countries. To assess the similarity between the countries multidimensional scaling method was used. The research was based on data for 2014 derived from the European Central Bank. Most of the indicators compared showed a significant — but decreasing — distance
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Širaňová, Mária. "European Banking Network in Light of the Single Supervisory Mechanism from the Network Analysis Perspective." Financial Assets and Investing 6, no. 1 (2015): 35–57. http://dx.doi.org/10.5817/fai2015-1-2.

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In this paper we discuss the topological properties of the European banking network and its evolution over time based on the BIS consolidated banking statistics data exploiting information from complex network analysis. Our conclusions are discussed in light of the soon-to-be-launched Single Supervisory Mechanism that takes into account, among other things, the significance of cross-border activity as a precondition for specifying the systemically important European credit institutions. According to our results, the banking network of the EU13 economic space can be characterized as highly asym
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Radić, Nikola. "New challenges for banking, financial services and insurance." Trendovi u poslovanju 9, no. 1 (2021): 65–77. http://dx.doi.org/10.5937/trendpos2101066r.

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The crisis with the COVID-19 pandemic shows investors, policy makers and the general public that natural disasters can cause economic damage on an unprecedented scale. The pandemic has made customer experience even more differentiated, so banks, financial service providers and insurance companies need to optimize their operations and transform existing business models to meet new requirements and withstand competitive pressure. Because the processes are the "veins" of a highly regulated business, they must adapt to unprecedented change. Changing business models, disruptive technologies, and co
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Dash, Satyabhusan, Ed Bruning, and Kalyan Ku Guin. "The moderating effect of power distance on perceived interdependence and relationship quality in commercial banking." International Journal of Bank Marketing 24, no. 5 (2006): 307–26. http://dx.doi.org/10.1108/02652320610681747.

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Mishura, A. V., and S. D. Ageeva. "Providing Banking Branches in Russian Regions: Assessment of the Role of Distance and Other Factors." Regional Research of Russia 10, no. 4 (2020): 506–12. http://dx.doi.org/10.1134/s2079970520040061.

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Aristei, David, and Manuela Gallo. "Loan loss provisioning by Italian banks: Managerial discretion, relationship banking, functional distance and bank risk." International Review of Economics & Finance 60 (March 2019): 238–56. http://dx.doi.org/10.1016/j.iref.2018.10.022.

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Mahmudah, Muhlisatul, and Tri Novita Irawati. "Cryptosystem Polyalphabetic Cipher Application." Jurnal Axioma : Jurnal Matematika dan Pembelajaran 5, no. 1 (2020): 11–19. http://dx.doi.org/10.36835/axi.v5i1.539.

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Polyalphabetic cipher cryptosystem is the study of mathematical techniques that related to aspects of information security such as confidentiality, data integrity, authentication and authentication of data origin. With the internet, long distance communication can be done quickly and cheaply. However, the internet is not very secure because it is a public communication medium that can be used by anyone so it is very vulnerable to information tapping. Cryptography has been widely used in life for example banking atm ATMs, account numbers sacrificed, sending secret military messages. By applying
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49

Oluwatayo, Isaac B. "Electronic Banking Services in Nigeria: Some Determinants and Opportunities for Households' Financial Inclusion." Journal of Economics and Behavioral Studies 9, no. 4(J) (2017): 38–48. http://dx.doi.org/10.22610/jebs.v9i4(j).1820.

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Economic transactions in many of the countries in Africa are still largely cash-based and many of these transactions are costly, inefficient, time consuming and sometimes risky because of the security situation in most countries in the continent. In fact, finality of payment is not always guaranteed because of potential counterfeits and the lack of financial discipline when cheques or other paper-based means of payment are used. The introduction of electronic banking services into the Nigerian banking sector has brought some respite considering the number of people now using electronic platfor
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Oluwatayo, Isaac B. "Electronic Banking Services in Nigeria: Some Determinants and Opportunities for Households’ Financial Inclusion." Journal of Economics and Behavioral Studies 9, no. 4 (2017): 38. http://dx.doi.org/10.22610/jebs.v9i4.1820.

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Abstract:
Economic transactions in many of the countries in Africa are still largely cash-based and many of these transactions are costly, inefficient, time consuming and sometimes risky because of the security situation in most countries in the continent. In fact, finality of payment is not always guaranteed because of potential counterfeits and the lack of financial discipline when cheques or other paper-based means of payment are used. The introduction of electronic banking services into the Nigerian banking sector has brought some respite considering the number of people now using electronic platfor
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