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1
Cannon, Frederick W. "Leadership as a determinant of organisational climate : an exploration of perceptions in a European division of a global financial services firm." Thesis, Henley Business School, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.402559.
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Lodewyk, Faatiemah. "An investigation into the relationship between organisational commitment and the intention to quit within a Financial Services division in the Western Cape." Thesis, University of the Western Cape, 2011. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_2042_1320670343.
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Consent for the research study was obtained from the divisional executive of the financial services division being researched and all ethical factors were clarified. All potential participants were engaged in a divisional communication session where participation was advised to be voluntary and anonymity and confidentiality was assured. The results of the study revealed that there was no statically significant relationship between intention to quit and organisational commitment but a statically significant relationship between organisational commitment and age, tenure, marital status and staff with dependants respectively were revealed. Further to that, a statistically significant relationship between intention to quit and age, tenure, marital status was also revealed. Therefore, based on the understanding gained, and the relationship it had with respect to the biographical factors used in the study, it presents organisations with the insight and opportunity to better retain staff. Clear understandings of the limitations of the findings presented are also discussed and additional recommendations for future research are also provided.
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Richter, Leonie. "The relationship between customer satisfaction and revenue: an empirical study within the corporate banking division of a South African bank." Thesis, Rhodes University, 2013. http://hdl.handle.net/10962/d1006169.
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This is a quantitative study which explores whether there is a positive relationship between customer satisfaction as perceived by corporate customers and revenue generated from such customers of the corporate division of a single South African bank. This research report has three sections, namely the (1) academic paper which comprises a condensed literature review, research methods, results and discussion, (2) an expanded literature review, and (3) an expanded research methodology. Although these three sections are interrelated, they may be considered stand-alone documents. A review of literature contends that customer satisfaction has been a topic of interest for over four decades when, in 1965, the concept was first introduced to literature by Cardozo. Even in these early stages it was hypothesized that higher customer satisfaction would lead to repeat purchasing and cross selling. Thus, for some time, researchers have proposed that a link exists between customer satisfaction and a company’s bottom line, ultimately alluding to the notion of positive associations between customer satisfaction, revenue and profitability. The corporate banking division of a South African bank has dedicated significant time and economic resources to monitoring and improving the satisfaction of their corporate customers each year. With a focus on this single corporate banking division, this quantitative study used secondary customer satisfaction data to establish whether a positive relationship between customer satisfaction with a bank representative or more formally termed, the ‘transactional banker’ (TB) and revenue at an account level exists. The study used a one-dimensional customer satisfaction construct summated from several variables or a one-dimensional multi item scale. This quantitative study made use of secondary data obtained through customer satisfaction surveys conducted with the division’s clients in three waves during September 2010, March 2011 and September 2011. At the time of data collection, telephone interviews were conducted with individuals in corporations who were customers of the corporate division within the bank. These individuals in their respective corporations were identified and surveyed because they (a) managed the primary relationship of the corporation with the banking division and (b) were senior financial decision makers of their organization’s (i.e. had the ability to influence a decision to change banks). Sample sizes of 273 (September 2010), 259 (March 2011) and 310 (September 2011) individual corporate customers were achieved through a method of stratified sampling. In this study, customers were stratified according to the TB who is responsible for their account. Within each stratum a random sample of 10 – 15 participants were included for each of the 30 TB’s. Monthly revenue data, recorded as a) credit revenue, b) overdraft revenue and c) total revenue was sourced from internal company records for each month from September 2010 to January 2012. Pearson’s correlation coefficient was used to assess whether a positive correlation between the two variables of customer satisfaction and revenue exists. This was followed by Ordinary Least Square Regression to investigate the magnitude and nature of the relationship between customer satisfaction and revenue using customer satisfaction as the independent variable and revenue as the response variable. Cronbach’s alpha was also used for internal scale validity. The results of the research indicated no statistically significant relationship between a customer’s satisfaction with the performance of their TB and either the credit, overdraft or total revenue generated from such a customer through their account. By highlighting this, these findings, nevertheless, contribute to the growing body of knowledge examining the impact of customer satisfaction efforts on revenue. On the basis of the findings of this study, it cannot be practically recommended that customer satisfaction efforts be terminated or changed within the organization of study owing to several study limitations which were present. Firstly, the study was hampered by small sample sizes due to a lack of the availability of revenue data in some instances, particularly in the case of overdraft revenue. Secondly, the study only focused on a single bank account held with the bank and increases and decreases in revenue based on the balances held within that single account. Since one of the purported consequences of improved customer satisfaction is the purchase of additional products, the current design of the study does not take into account the take up of additional accounts or banking products with the bank. Thus, an increase in revenue for the bank as a whole due to the purchase of additional accounts may be masked. Similarly, the scope of the study does not extend to examining the effect of recommendations made by these corporate customers to others and hence growth of divisional or bank revenue due to the addition of new customers. Finally, this quantitative study does not examine revenue growth when compared to customer satisfaction improvements over time due to a limited sample of customers taking part in the study over a number of periods as well as incomplete revenue data. The recommendations for future research are to examine the relationship between changes in customer satisfaction and changes in revenue at divisional level in the long run within the South African banking industry as the impact of an increase in customer satisfaction may be obscured by salient factors in the short run. It is also suggested that future research look at the correlation between dissatisfaction and revenue, where adequate sample sizes are available. Theoretically, the results of this research do bring into serious question the universal application, especially in the context of the South African banking industry of the Service Profit Chain and Satisfaction Profit Chain which propagate the existence of a positive relationship between customer satisfaction and revenue.
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Fick, G. H. "Interspousal property division and financial provision on divorce." Thesis, McGill University, 1986. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=76754.
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Divorce has become an established phenomenon in an "age of discontinuity."* Together with altered patterns of family behaviour, new forms of wealth and modes of consumption, and the apotheosis of the individual and his right of self-determination, it has focused the attention on the de iure sorting out of financial or property issues between autonomous ex-spouses. The law can do nothing to artificially sustain the marriage, but it can assist in the adjustment which individuals must face in the event of divorce.This thesis is mainly concerned with the economic adjustment, which the spouses to a disintegrated marriage face, following divorce and how the law of matrimonial property functions to accomplish a just and fair result. The ex post facto solution reached is based on the cognizable trend in modern matrimonial property laws of limited sharing of less property adapted to the individual circumstances.
Throughout the treatment of the subject matter, extensive historical, critical and analytical references are made to the law of major Western countries--Canada, England, France, Germany and the U.S.A.--in an effort to deduce a coherent guide to the discretionary redistribution of marital means between husband and wife upon divorce. ftn * P. Drucker, The Age of Discontinuity (1968).
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Gleisner, Fabian. "Essays on retail financial services /." Frankfurt a.M, 2008. http://opac.nebis.ch/cgi-bin/showAbstract.pl?sys=000264354.
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Jansen, Christian. "Excellence in financial advisory services /." Berlin : Pro Business, 2008. http://d-nb.info/990670015/04.
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Cook, Randal James. "ENVIRONMENTAL INTERNSHIP-ENVIRONMENTAL QUALITY MANAGEMENT, INC. TECHNICAL SERVICES DIVISION." Miami University / OhioLINK, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=miami1094138195.
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Musarurwa, Hillary Jephat. "Business modelling for inclusive financial services: How to enhance access to financial services for marginalised youth." Master's thesis, University of Cape Town, 2015. http://hdl.handle.net/11427/19890.
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The aim of this research was to develop a business model that will enhance the access to financial services by marginalised youth. In order to develop such a relevant business model it was necessary to understand the needs and challenges being faced by targeted clients in using and accessing formal financial services. Accessing such services will help them build assets in the long term, smooth cashflow and make savings as they transition from childhood to adulthood. Currently there are a number of barriers compounding financial exclusion and thus increasing the inequality gap. The study applied design thinking and systems thinking tools to undertake business model innovation and come out with a plausible alternative financial services model for youth and immigrants in Zimbabwe and South Africa respectively. Qualitative and quantitative research methods were applied to unpack the financial services needs of youth and how they are currently accessing service. An ethnographic approach as well as snowballing were applied in order to get to the respondents. Covert observations were done at a construction site in a bid to collect the immigrants' silent narrative of how they got to South Africa and are surviving from day to day. The research discovered that Zimbabwean youth residing in Zimbabwe and those who have migrated to South Africa are financially excluded yet they need financial services. It also discovered that there are business models being applied globally and in South Africa that are aimed at closing the financial exclusion gap. The study concluded that it is possible to have a business model that aims at serving youth, more so immigrants in South Africa, and provide them with low cost products that have a social impact on their livelihoods
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Ignatovski, Stefan. "Sources of Financial Education and Use of Alternative Financial Services." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/6794.
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As the lending practices of the alternative financial services (AFS) industry harm many consumers and consumers' access and use of traditional credit are restricted, the use of AFS is a growing concern. The financial education of consumers determines their financial behavior, which may be inadequate to make effective financial decisions regarding high-cost borrowings. The purpose of this quantitative study was to examine if and to what extent the sources of financial education is related to the use and frequency of use of AFSs among U.S. consumers. The theory of planned behavior and the transtheoretical model of change shaped the theoretical framework for this study. An explanatory correlational design was used to analyze archival data collected by the FINRA Investor Education Foundation for their 2015 National Financial Capability Study. Binary logistic and negative binomial regression analyses indicated that exposure to formal financial education did not contribute to reduced use and lower frequency of use of AFSs but, instead, contributed to the exact opposite. Only parental financial education was found to contribute to reduced use and lower frequency of use of AFSs. One-way ANOVA analyses indicated that all forms of financial education contributed to increased perceived financial knowledge. This study may lead to positive social change by informing policymakers about the necessary steps to remedy the problem of continuous AFS usage and serving as a foundation for future studies that should consider other factors beyond formal financial education that could influence the use and frequency of use of AFSs.
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Spencer, Melissa B. (Melissa Beth). "Engineering financial safety : a system-theoretic case study from the financial crisis." Thesis, Massachusetts Institute of Technology, 2012. http://hdl.handle.net/1721.1/72903.
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Thesis (S.M. in Technology and Policy)-- Massachusetts Institute of Technology, Engineering Systems Division, Technology and Policy Program, 2012.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 103-105).
There is currently much systems-based thinking going into understanding safety in complex socio-technical systems and in developing useful accident analysis methods. However, when it comes to complex systems without clear physical components, the techniques for understanding accidents are antiquated and ineffective. This thesis uses a promising new engineering-based accident analysis methodology, CAST (Casual Analysis using STAMP, or Systems Theoretic Accident Models and Processes) to understand an aspect of the financial crisis of 2007-2008. This thesis demonstrates how CAST can be used to understand the context and control problems that led to the collapse and rapid acquisition of the investment bank Bear Stearns in March 2008. It seeks to illustrate the technological and regulatory change that provided the context for the Bear Stearns accidents and then demonstrates how a top-down systematic method of analysis can produce more insight into the accident than traditional financial accident investigations such as congressionally-mandated inquiries.
by Melissa B. Spencer.
S.M.in Technology and Policy
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Roxo, da Fonseca Gustavo J. C. (Gustavo José Costa) 1967. "Technology innovation in financial services industry." Thesis, Massachusetts Institute of Technology, 2004. http://hdl.handle.net/1721.1/17891.
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Thesis (M.B.A.)--Massachusetts Institute of Technology, Sloan School of Management, 2004.Includes bibliographical references (leaves 96-98).
Over the last few decades, we have seen an enormous evolution in the financial services industry driven by technology innovations. Indeed, we cannot imagine the current financial system without electronic fund transfers, ATMs, and Internet banking among many other innovative implementations. In fact, the financial services industry is the largest market to IT suppliers which makes the financial providers the preferred partners in many technological innovations such as mobile technologies, security devices and customer relationship management (CRM) tools. Although the importance of technology innovation is clear in transforming the financial services industry, we do not often find organizations getting sustainable competitive advantage though technology innovation. In fact, in most cases, financial providers have just been focused on being as good as the competition in terms of technology innovation, neglecting any sophisticated technology strategy that could enable them to primarily capture the value created by internal innovative ideas. The goal of this research is to evaluate the stage of technology innovation in the financial services industry, its strategic relevance to the organizations, and its governance models. Based on the information gathered through reviewing relevant literature and interviewing people involved with technology and financial services, our work will propose some technology strategies that could improve the effectiveness of innovation to different types of financial providers.
by Gustavo J.C. Roxo da Fonseca.
M.B.A.
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Laurila, M. (Mikko). "Big data in Finnish financial services." Bachelor's thesis, University of Oulu, 2017. http://urn.fi/URN:NBN:fi:oulu-201711243156.
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This thesis aims to explore the concept of big data, and create understanding of big data maturity in the Finnish financial services industry. The research questions of this thesis are “What kind of big data solutions are being implemented in the Finnish financial services sector?” and “Which factors impede faster implementation of big data solutions in the Finnish financial services sector?”. Big data, being a concept usually linked with huge data sets and economies of scale, is an interesting topic for research in Finland, a market in which the size of data sets is somewhat limited by the size of the market. This thesis includes a literature review on the concept of big data, and earlier literature of the Finnish big data landscape, and a qualitative content analysis of available public information on big data maturity in the context of the Finnish financial services market. The results of this research show that in Finland big data is utilized to some extent, at least by the larger organizations. Financial services specific big data solutions include things like the automation of applications handling in insurance. The most clear and specific factors slowing the development of big data maturity in the industry are the lack of competent work-force and new regulations compliance projects taking development resources. These results can be used as an overview of the state of big data maturity in the Finnish financial services industry. This study also lays a solid foundation for further research in the form of conducting interviews, which would provide more in-depth dataTämän työn tavoitteena on selvittää big data -käsitettä sekä kehittää ymmärrystä Suomen rahoitusalan big data -kypsyydestä. Tutkimuskysymykset tutkielmalle ovat “Millaisia big data -ratkaisuja on otettu käyttöön rahoitusalalla Suomessa?” sekä “Mitkä tekijät hidastavat big data -ratkaisujen implementointia rahoitusalalla Suomessa?”. Big data käsitteenä liitetään yleensä valtaviin datamassoihin ja suuruuden ekonomiaan. Siksi big data onkin mielenkiintoinen aihe tutkittavaksi suomalaisessa kontekstissa, missä datajoukkojen koko on jossain määrin rajoittunut markkinan koon myötä. Työssä esitetään big datan määrittely kirjallisuuteen perustuen sekä esitetään yhteenveto big datan soveltamisesta Suomessa aikaisempiin tutkimuksiin perustuen. Työssä on toteutettu laadullinen aineistoanalyysi julkisesti saatavilla olevasta informaatiosta big datan käytöstä rahoitusalalla Suomessa. Tulokset osoittavat big dataa hyödynnettävän jossain määrin rahoitusalalla Suomessa, ainakin suurikokoisissa organisaatioissa. Rahoitusalalle erityisiä ratkaisuja ovat esimerkiksi hakemuskäsittelyprosessien automatisointi. Selkeimmät big data -ratkaisujen implementointia hidastavat tekijät ovat osaavan työvoiman puute, sekä uusien regulaatioiden asettamat paineet kehitysresursseille. Työ muodostaa eräänlaisen kokonaiskuvan big datan hyödyntämisestä rahoitusalalla Suomessa. Tutkimus perustuu julkisen aineiston analyysiin, mikä osaltaan luo pohjan jatkotutkimukselle aiheesta. Jatkossa haastatteluilla voitaisiinkin edelleen syventää tietämystä aiheesta
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CARLSON, VIKTOR. "The Value of Financial Advisory Services." Thesis, KTH, Industriell Management, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-236512.
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Financial advisory services currently face many challenges such as adapting to regulations, competing against robot advisors and offering qualitative advice. We use a utility function based on the clients' risk preferences and investigated the value added by advisory services. The data represents real clients that received financial advisory services from an advisory firm, which gives this thesis a unique accuracy. For the calculations we simulated outcomes of the portfolios and computed key values pertaining to the investors' financial positions. Our calculations show that investors on average gain corresponding 1.66 % per year in risk free return on their investments from advisory services. In addition, we show that the client's value of advisory service increased with respect to the investor's risk level and time horizon of investment.Aktörerna inom finansiell rådgivning står för närvarande inför flera utmaningar, att anpassas efter regleringar, konkurrera mot robotrådgivare och erbjuda hög kvalitet i rådgivningen. Vi har använt en nyttofunktion baserad på kunders riskpreferenser och utrett vilket värde som finansiell rådgivning tillför. De data som använts representerar verklig kunddata från ett rådgivningsföretag, vilket ger denna studie en unik träffsäkerhet. Beräkningarna av nyckeltal för investerarnas finansiella position har gjorts genom simulering av portföljer. Våra beräkningar visar att finansiell rådgivning ger investerare i genomsnitt motsvarande 1.66 % i ökad riskfri avkastning per år efter avgifter och skatter. Dessutom vi visa att rådgivarnas tillförda värde ökar med avseende på investerarnas risknivå och tidshorisont.
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Papa, Maura. "Blue ocean strategy in financial services?" reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/17741.
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The case is meant to give readers an overview about the concept of Blue Ocean Strategy. Throughout the text hints about what this strategy refers to are given. By knowing the traditional strategic concepts – those that are usually applied in “Red Oceans” – the reader should identify and distinguish them from the Blue Oceans concepts and tools and therefore be able to analyse the case from a different strategic perspective. Recognized examples of Blue Oceans are also given in the Appendix to the case. By learning what a Blue Ocean is, readers should then decide whether the case provided can be considered an example of it or not. The case starts with a brief description of the company, how it was created, how the founders got the idea of the innovative business model and how they developed it. The case describes a situation where the founders themselves discuss about whether their company can be considered an example of Blue Ocean or not. The case follows with other examples of well-recognized Blue Ocean Strategies, to help the reader make comparisons and decide whether the company can be considered itself as another example of it. Last, some possible questions, and suggestions on how to solve them, are provided. Here the reader can reflect again on the Red Oceans tools and see how these are differently applied in Blue Oceans kind of strategies.
O caso destina-se a dar aos leitores uma visão geral sobre o conceito de Estratégia do Oceano Azul. Ao longo do texto dicas são dadas sobre o que esta estratégia se refere. Ao conhecer os conceitos estratégicos tradicionais - aqueles que são geralmente aplicados em "Oceanos Vermelhos" - os leitores devem identificá-los e distingui-los dos conceitos e ferramentas dos oceanos azuis e, portanto, ser capazes de analisar o caso de uma perspetiva estratégica diferente. Exemplos conhecidos de Oceanos Azuis são dados nos Apêndices do caso. Ao aprender o que é um oceano azul, os leitores devem decidir se a empresa pode ser considerada um exemplo dou não. O caso começa com uma breve descrição da empresa, como ela foi criada, como os fundadores tiveram a ideia para a criação de um modelo de negócios inovador e como eles desenvolveram a companhia. O case descreve a situação onde os próprios fundadores discutem se sua empresa pode ser considerada um exemplo de Oceano Azul ou não. O caso continua com outros exemplos reconhecidos de estratégias de Oceano Azul, para auxiliar o leitor a realizar comparações e decidir se a empresa pode ser considerada um caso. Por último, questões e sugestões de como resolver os questionamentos, são disponibilizadas. Assim o leitor pode refletir novamente sobre as ferramentas de Oceano Azul e ver como elas podem ser aplicadas a diferentes tipos de estratégias.
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Kanagwa, James R. "Establishing Mobile Financial Services in Ethiopia." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2319.
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Mobile phone service is increasing among low income populations; however, with over 1 billion mobile service users worldwide, many people still lack banking services. Banks do not reach out to the poor because of the high operational costs involved. Scholars and industry practitioners have indicated that mobile phones could be an alternative channel for delivering financial services to the less advantaged and unbanked, without requiring a traditional bank with a branch network. The purpose of this bounded case study was to explore the strategies bank managers used to implement the new mobile banking service to the Ethiopian community. The new product development theory served as the conceptual framework for this study. Twenty experienced bank managers were interviewed from the leading private bank in Ethiopia. Data were segmented and categorized. After member checking and triangulation, data were sorted into 4 themes: development, testing, commercialization of new products or services, and an organizational commitment to adopt new technologies and innovative processes. The findings may contribute to the body of knowledge regarding strategies bank managers can use for implementing and introducing new products in order to contribute to the prosperity of individuals, businesses, and communities.
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Castro, Izaguirre Carlo Gustavo. "Strategies for cost reduction in procuring trucking services." Thesis, Massachusetts Institute of Technology, 2009. http://hdl.handle.net/1721.1/51641.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2009.Includes bibliographical references (leaf 48).
This thesis analyzed truckload shipment transactions from 2006 to 2008 in order to compare planned procurement activity to actual procurement activity. The research specifically focused on three costs: Primary, Actual and Market. Primary cost is the cost agreed to pay to the primary carrier and is usually contractually fixed in advance. The actual cost is the cost paid to the carrier that hauls the load and the market cost is the average cost for the lane that a shipper should pay. This market cost is a benchmarking cost available to the shippers. The comparison of planned and actual is important because it helps to develop a strategy that decreases transportation costs by identifying overpaid lanes and carriers and it helps to monitor and make corrective decisions. The research suggests that the matching of planning and execution occurred in less than 10% of the lanes and there are under and overpaid lanes. The execution rendered more than 50% of overpaid lanes and the planning showed a commitment to overpay in 45% or more of lanes. Finally this research proposes ideas to improve the truckload procurement strategy because shippers cannot afford to "plan to waste".
by Carlos Gustavo Castro Izaguirre.
M.Eng.in Logistics
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Chalapong, Michael, and Jake Lazarus. "Multi-echelon inventory optimization for an oil services company." Thesis, Massachusetts Institute of Technology, 2011. http://hdl.handle.net/1721.1/68821.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2011.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 56).
In the oilfield services industry, healthy margins and the criticality of product availability have often over shadowed the need for operational efficiency. Although those factors have not changed, the emergence of stronger industry competition and challenging economic climates have prompted ABC company to explore efficiency gains via supply chain optimization. This thesis examines and assesses opportunities for ABC Company to employ statistical inventory models, understand a variety of factors that influence inventory levels and costs, and improve its network structure. As many inventory models are not designed to accommodate SKUs that have very low rates of consumption, we also propose a methodology that will provide operational guidance and cost implications to address these types of SKUs.
by Michael Chalapong and Jake Lazarus.
M.Eng.in Logistics
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Reddy, Harry 1963. "Financial supply chain dynamics : operational risk management and RFID technologies." Thesis, Massachusetts Institute of Technology, 2005. http://hdl.handle.net/1721.1/33729.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2005.Includes bibliographical references (leaves 81-83).
The banking industry is consolidating to streamline its operations through mergers and acquisitions, and is adopting new technologies to develop innovative products and services, thereby achieving both economies of scale and scope. Operational risk management has become a serious issue in the banking industry. Some reputed banks are either forced to close down their operations (eg., Citibank Private Bank in Japan) or faced cost overruns (eg., Barings Bank in England) due to poor operational risk management. In the supply chain industry, businesses are engaged in devising effective solutions using RFID technologies to locate and track the goods. We present the dynamics of banking industry in terms of operational risk management, innovation and business strategies. We also present the process mapping of RFID technology use in banking business areas to minimize operational risks. We further come-up with an effective operational risk management framework for banks to follow in improving their operational risk management.
by Harry Reddy.
M.Eng.in Logistics
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Dodds, Thomas Edward. "The Internet and Canada's financial services sector." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1996. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp04/MQ30885.pdf.
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Kühnhausen, Fabian. "Essays on information problems in financial services." Diss., Ludwig-Maximilians-Universität München, 2014. http://nbn-resolving.de/urn:nbn:de:bvb:19-176091.
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Hasan, Noor 1963. "Application of XML in B2B financial services." Thesis, Massachusetts Institute of Technology, 2000. http://hdl.handle.net/1721.1/9277.
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Thesis (S.M.M.O.T.)--Massachusetts Institute of Technology, Sloan School of Management, Management of Technology Program, 2000.Includes bibliographical references (leaves 100-104).
Financial services industry is undergoing tremendous transformation due to regulatory changes and technological developments. The thesis discusses these changes including the advent of internet and how it is impacting the financial services industry. The paper provides a detailed account of XML evolution and its comparison with SGML and HTML. Several organization bodies have been formed over the past few years to define and push XML based standards for various industries. Even though XML is still in its evolving stage, there is wide consensus that it will be the enabler for disparate systems to communicate with each other. The research provides an overview of various XML standards pertaining to financial services and firms behind these standards. The author derives the conclusion that several standards with in financial services will co-exist and the industry will converge to these standards. The thesis also provides an overview of some financial applications that are XML compliant along with examples of first mover financial services firms that have successfully applied XML to address systems issues. Based on the XML standards, changes in the industry and customer needs author predicts some future trends and milestones that will happen in the financial services industry. They include; General changes in industry Landscape, formation of Central Limit Order Book (CLOB), Emergence of HUBs and Exchanges, Global Straight Through Processing, Settlement time of T +O, Emergence of Aggregators and Enterprise Portals. The future trend section further discusses the role of XML in this changing environment and how it will help achieve some of the key break-throughs that were not possible before. In order to fully harness the potential of XML, firms need to understand the various elements of XML. The last section of the thesis provides an overview of internal factors; issues around understanding DTD's and other relevant factors firms need to consider for successful implementation. The factors are based on author's own understanding of XML, issues faced by financial services industry and interviews with financial services firms.
by Noor Hasan.
S.M.M.O.T.
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Chakrabarty, Anita. "Customer value and financial services distribution channels." Thesis, University of Nottingham, 2017. http://eprints.nottingham.ac.uk/35694/.
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This research effort seeks to investigate the co-creation of customer value in distribution channels of financial services as perceived by customers. In financial services, an in-depth investigation of customer value is necessary because of its recognised strategic imperative for competitive advantage (Woodruff, 1997). The Service Dominant Logic further demonstrates the importance of customer value as the basis of customers’ evaluations of products or service offerings (Vargo and Lusch, 2004). Customer value assessments are typically based on core services. However, core services are rapidly copied, diminishing prior competitive advantages. Hence, other sources of customer value and competitive advantage have to be considered. In light of this, distribution channels are considered resilient sources of value for the customer (Ballantyne and Varey, 2006). Specifically, this research seeks to empirically determine the type of value co-created through interactions in various distribution channels of financial services and the degree to which the various types of value vary, in distribution channel use. The conceptual model developed for this study synthesises two perspectives of customer value. The first perspective is the unidimensional perspective, which posits that customer value is a trade off between perceived benefits and perceived sacrifices. The alternative perspective is the multidimensional perspective where customer value is multidimensional. Various types of value, functional or utilitarian as well as emotional and aesthetic value are offered in the extant literature. In financial services, dominant studies focus on adoption and non-adoption of financial services channels particularly innovative technological channels such as the internet channel and mobile channel. A study of the customer value of various channels in the multichannel context of financial services is relatively absent. Therefore, a two-step research design was utilised. First, an exploratory study was conducted to determine the different benefits and sacrifices perceived by customers when using the distribution channels. The first stage of the study incorporated an exploratory study of semi-structured interviews conducted on a sample of 22 respondents. The hypotheses developed for the study were based on the exploratory study and the extant literature of customer value and distribution channels. The second stage of the study was a survey of 300 respondents using a questionnaire, within the Klang Valley area. The data were collected and analysed using Exploratory Factor Analysis (EFA), Analysis of Variance (ANOVA) and regression analysis as appropriate. The findings of the study show that both co-created functional value and emotional value perceptions exist in the distribution channel of financial services. Co-created functional and emotional value furthermore contributes to overall customer value perceptions. The study also finds that different benefit and sacrifice perceptions give rise to co-created functional and emotional value perceptions respectively. A comparison of the customer value perceptions of channels revealed that customers perceived functional value and emotional value in all channels, except the ATM/CDM/Cheque deposit channel. The in-branch channel is perceived to co-create a greater magnitude of emotional value. Adding to the extant literature, the findings demonstrate that distribution channels are an important source of customer value assessments. Furthermore, the findings lend support to the conceptual model, which posits various benefits and sacrifice perceptions existing in distribution channels of financial services lead to co-created perceived functional and emotional value or both simultaneously. From a managerial point of view, the findings of this study enable accurate identification of specific benefits and sacrifice perceptions in the various distribution channels of financial services to inform the development of strategies and tactics to enhance customer value of individual channels. Furthermore, the importance of emotional value in the in-branch channel lends support to the role of face to face interactions, careful recruitment and training of personnel to enhance the in-branch experience. The study also raises the importance of the consideration of service failures in services customer value assessments.
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Harper, Dana C. "Protecting financial services while ensuring regulatory compliance." Thesis, Utica College, 2017. http://pqdtopen.proquest.com/#viewpdf?dispub=10252116.
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In the global economy, troubled with financial crime and well-funded terrorist operations, combating money laundering has become a priority for financial institutions (Brill, 2016). The 9/11 terrorist attacks have also increased the U.S. focus on terrorism and money laundering. The purpose of this research project was to examine the regulatory environment which monitors financial institutions and Nonbank Financial Institutions (NBFIs) to mitigate financial crimes, money laundering, and terrorist financing. Currently, there are statutory, regulatory, and supervisory gaps within the Office of Foreign Assets Control (OFAC). There are also vulnerabilities within the financial system that enable terrorist and other illicit financial networks to attempt to exploit those weaknesses. At the same time, the U.S. has enhanced its skills at identifying potential susceptibilities and applying the financial safeguards in place to mitigate the risk. Supervisory and regulatory bodies such as: Department of Homeland Security (DHS), Bank Secrecy Act (BSA), Office of the Comptroller of the Currency (OCC), Federal Bureau of Investigation (FBI), and others have been delegated to protect the U.S. financial industry from potential terrorist financing and money laundering (“What we,” 2016). The complex mechanics of money laundering requires financial service institutions to implement and maintain an AML program specifically designed to follow the flow of resources (“Certified Anti-money,” 2010).
Keywords: information sharing, regulations, penalties, safety, security, Professor Paul Pantani.
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Hrušová, Klára. "Ocenění společnosti Caterpillar Financial Services ČR, s.r.o." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-873.
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Diplomová práce se zabývá stanovením tržní hodnoty společnosti Caterpillar Financial Services ČR, s.r.o. pro případ jejího prodeje potenciálnímu investorovi. Ocenění je provedeno metodou EVA entity a na základě majetkového ocenění. V části strategické analýzy je vymezen relevantní trh a stanoven odhad tržního podílu, růstu obchodů a tržeb společnosti. Finanční analýza zde potvrdila předpoklad věčného trvání podniku. Na základě zjištěných skutečností v části strategické analýzy, finanční analýzy a generátorů hodnoty byl stanoven finanční plán. V závěrečném ocenění byla vyčíslena hodnota výnosového ocenění společnosti na 498 900 000 Kč.
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Rocha, João Paulo Almeida. "Smart parking : o caso Volkswagen financial services." Master's thesis, Instituto Superior de Economia e Gestão, 2018. http://hdl.handle.net/10400.5/17662.
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Mestrado em Gestão e Estratégia IndustrialEste trabalho tem como objetivo analisar os passos necessários para a implementação de um negócio smart parking em diferentes mercados e com diferentes níveis de maturidade. Serão analisados os diferentes modelos de negócio, municipal, intermediário e de revendedor e as situações em que se aplicam, bem como as diferentes estratégias de entrada em novos mercados, e que possibilidades existem para implementar o produto smart parking em diferentes mercados. De seguida, com recurso a dados recolhidos através de uma análise de mercado, analisar-se-ão dois mercados, Portugal e Alemanha, com características diferentes, e que requisitos existem para uma aplicação smart parking ter sucesso, na sua entrada e evolução. Por fim abordar-se-á a possível evolução do negócio smart-parking face à evolução tecnológica que ocorre no ramo automóvel.
This work aims to analyse the steps necessary for the implementation of a smart parking business in different markets, with different levels of maturity. It will analyse the different business models, municipal, intermediate and reseller and the situations in which they apply, as well as the different strategies of entry into new markets, and what possibilities exist to implement the smart parking product in different markets. Then, using data collected through market analysis, two markets, Portugal and Germany, with different characteristics, will be analysed to determine what requirements exist for a smart parking application to be successful in its entry and evolution. Finally, the possible evolution of the smart-parking business in the face of technological developments in the automotive industry will be addressed.
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Ng, Joshua (Zi Jie Joshua), and Kendall Chow. "Environmental, operational and financial sustainability of packaging methods in delivery businesses." Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/61184.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2010.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 143-148).
In retail delivery companies, packaging is used to transport goods to customers while preventing damage, shrinkage and loss of the contents. With consumer preferences reflecting the growing concern for the environment, retail delivery businesses are at the crossroads of implementing a sustainable operational and financial business model of delivering packages to customers. In this thesis, we will address the issue of sustainable packaging in retail delivery companies by evaluating the financial, environmental and operational viability of such strategies. The thesis will be limited to the downstream order fulfillment cycle from the retail delivery company to the customer. We will focus on three areas applicable to sustainable packaging. The first area is materials innovation where we will analyze alternative materials suitable for retail delivery packaging. The second area involves waste elimination through reducing packaging material use and reusing of packaging materials through a returnable tote program. Lastly, we will understand the implementation challenges to increase the success rate of the strategies mentioned earlier.
by Joshua Ng and Kendall Chow.
M.Eng.in Logistics
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Linstead, Greta. "Competencies, a case study of Royal Bank financial group - personal financial services." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1997. http://www.collectionscanada.ca/obj/s4/f2/dsk3/ftp04/mq25949.pdf.
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Nigrini, Morne. "Financial services for poor South Africans : an analysis of financial serivices cooperatives." Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50357.
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Thesis (MComm)--Stellenbosch University, 2005.ENGLISH ABSTRACT: South Africans earning less than Rl 440 per month (18 million adults) and less than R2 880 per month (29 million adults) are regarded as poor and relatively poor respectively. Of the relatively poor, 78% are unbanked, i.e. do not have access to a formal bank account, while 86% of the poor are unbanked. These figures show clearly that commercial banks do not meet the financial needs of many people, especially the poor for savings, credit, transmission and insurance services. Therefore the importance of those institutions that do not form part of the formal financial sector and provide micro savings and micro credit services, generally referred to as micro finance, to the poor at the local level on a sustainable basis. The objective of this research is twofold. Firstly, a review of the literature on micro finance in general to establish the financial needs of the poor, the constraints formal financial institutions face in providing micro financial services and to identify best practice regarding the provision of financial services to the poor in order to be in the position to form an opinion on institutional success. Secondly, to analyse a specific South African micro finance initiative, Financial Services Cooperatives (FSCs), to identify how FSCs relate to the international best practice and to establish whether they are successful in addressing the financial needs of the poor. A FSC is a financial institution through which micro finance services (savings, credit, transmission and insurance) are extended to unbanked households in a rural village. It utilises a community's rules, customs, relationships, knowledge, solidarity and resources combined with formal financial methods and concepts. The FSC is initiated, owned, financed and managed by the villagers themselves. FSCs are registered cooperatives under the Cooperative Act of 1981 and may accept deposits from their members in terms of an exemption from the Bank Act of 1990. Currently, FSCs experience problems in providing credit, transmission and insurance services, preventing them from intermediating between borrowers and savers. After reviewing the above-mentioned international best practice the conclusion reached with regard to FSCs includes the following: FSCs only provide savings services and therefore do not intermediate between borrowers and savers as required for a financial institution. This in tum prevents them from being sustainable. FSCs' failure can be ascribed to the restrictive legislation, unsuccessful regulation and supervision. New legislation is currently under review that will change the landscape for micro finance and specifically for FSCs.
AFRIKAANSE OPSOMMING: Suid-Afrikaners wat minder as Rl 440 per maand (18 miljoen volwassenes) en minder as R2 880 per maand verdien (29 miljoen volwassenes) word onderskeidelik as arm and relatief arm bestempel. Agt-en-sewentig persent van dié wat relatief arm is, het nie toegang tot 'n formele bankrekening nie, terwyl 86% van dié wat arm is, geen toegang het nie. Hierdie syfers toon duidelik dat kommersiële banke nie aan die finansiële behoeftes, met betrekking tot spaar-, krediet-, transmissie- en versekeringsdienste van baie mense voldoen nie, veral nie die armes nie. Daarom dat instellings wat nie deel vorm van die formele finansiële sektor nie en mikrobesparings en mikro-krediet, algemeen bekend as mikro-finansies, in 'n plaaslike gebied en op 'n volhoubare basis verleen, belangrik is. Die doel van hierdie navorsing is tweeledig: Eerstens, bied dit 'n oorsig oor die mikro-finansiering literatuur ten einde die finansiële behoeftes van die armes te ondersoek en die beperkings wat formele finansiële instellings ondervind om mikro-finansiële dienste te verskaf, aan te stip. Beste praktyk rakende die voorsiening van finansiële dienste aan die armes word geïdentifiseer, om sodoende in 'n posisie te wees om 'n opinie te kan vorm oor institusionele suksesfaktore. Tweedens, om a spesifieke Suid-Afrikaanse mikro-finansiële inisiatief, Finanical Services Cooperatives (FSCs) te ondersoek, ten einde vas te stel hoe hierdie inisiatief vergelyk met internasionale beste praktyk en hoe suksesvol dit is in die voorsiening van finansiële dienste aan die armes. 'n FSC is 'n finansiële instelling waardeur mikro-finansiële dienste (spaar-, krediet-, transmissie- en versekeringsdienste) verskaf word aan diegene in 'n plattelandse nedersetting wat nie toegang tot formele bankdienste het me. FSCs maak gebruik van 'n gemeenskap se reëls, gebruike, verhoudings, kennis, solidariteit en hulpbronne en kombineer dit met formele finansiële metodes en konsepte. Dit is 'n inisiatief van die gemeenskap en word deur die inwoners van die nedersetting besit, finansier en bestuur. FSCs is geregistreerde koëperasies in terme van die Ko-operatiewe Wet van 1981, en mag ook deposito's van hulle lede aanvaar op grand van 'n vrystelling van die Bankwet van 1990. Tans ondervind FSCs probleme in die verskaffing van krediet-, transmissieen versekeringsdienste wat hulle verhoed om as tussenganger tussen leners en spaarders op te tree. Na die oorweging van die internasionale beste-praktyk, kan die volgende gevolgtrekking rakende FSCs gemaak word: FSCs tree nie op as tussenganger tussen leners en spaarders nie, soos vereis word van 'n finansiële instelling nie. Dit beperk gevolglik volhoubaarheid. Die mislukking kan toegeskryf word aan beperkte wetgewing, onsuksesvolle regulering en supervisie. Nuwe wetgewing is tans onder oorweging wat die landskap vir mikro finansiering en veral vir FSCs sal verander.
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Horton, Theodore 1959. "Real estate developers and the financial revolution : integration into the financial services." Thesis, Massachusetts Institute of Technology, 1987. http://hdl.handle.net/1721.1/74793.
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Scott, Hubert. "Financial Literacy and the Use of Alternative Financial Services: A Behavioural Perspective." Thesis, Université d'Ottawa / University of Ottawa, 2020. http://hdl.handle.net/10393/41014.
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The extensive literature on financial literacy has sought to explain financial behaviours and decisions. On the asset side of the balance sheet, financial literacy is associated with good financial practice and wealth accumulation. On the liability side, however, the contribution of financial literacy to individuals’ financial decisions is not entirely clear. To add to this literature, as well as that of behavioural finance and alternative financial services, this research develops a conceptual framework based on Ajzen’s (1991) theory of planned behaviour (TPB). This framework links individuals’ attitudes to financial matters, subjective norms, perceived feasibility, financial knowledge, and behavioural biases that include overconfidence and present bias on the decision to obtain high-interest loans. The empirical tests of the developed framework suggest that individuals in distinct socio-economic groups have different antecedents that lead to borrowing from alternative financial services. For instance, individuals from low-income households are more likely to obtain these loans if they: do not have access to other forms of credit; struggle to pay their bills; are unemployed; or do not have access to advice from finance professionals. In turn, individuals from high-income households are more likely to obtain these loans if they lack financial knowledge or have behavioural biases like overconfidence or present bias. These results suggest the importance of access to professional advice while ensuring access to traditional means of obtaining credit for low-income individuals in order to reduce the negative effects of these high-interest loans. The results also confirm the importance of current policy initiatives to implement basic finance education in public school curriculums, and the urgency to seek effective approaches to address individuals’ cognitive assumptions.
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Englezos, Petros. "A cross-industry analysis and framework of aftermarket products and services." Thesis, Massachusetts Institute of Technology, 2006. http://hdl.handle.net/1721.1/35539.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2006.Includes bibliographical references (leaves 93-97).
This thesis looks at how supply chains of Aftermarket Products and Services are structured. The study includes an overall examination of the Aftermarket Function, as well as an overview and examination of Aftermarket Supply Chains in four different industries. The study includes general data about the four industries (Computers, Telecommunications Equipment, Automotive and Aerospace), along with examination of practices that are used in these industries. Finally, the thesis compares and contrasts the practices used in the industries and identifies underlying principles that unifies these otherwise diverse practices.
by Petros Englezos.
M.Eng.in Logistics
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Mealer, Clayton M., and Sung Hwan Park. "A simplified and scalable should-cost tool in the oilfield services industry." Thesis, Massachusetts Institute of Technology, 2013. http://hdl.handle.net/1721.1/81100.
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Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2013.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 55-57).
Third party spend accounts for a significant amount of a business' costs. When procuring unique, highly-engineered components, this cost is often negotiated with suppliers during the procurement process. Due to the limited understanding of the suppliers' true production cost, various techniques and models for determining how much a procured product should cost have been tried. One such approach is known as "should-cost modeling," where estimates for the cost of a product or service are made based on product architecture and/or firm financials. Both these approaches to should-cost modeling require extensive data collection and are time consuming. In this thesis, we expand an approach that uses aggregate industry-specific financial data to develop a simple, scalable tool to estimate a product's should-cost. One major challenge in building this tool is unifying the simple aggregate data available into an estimated price for a complex product. This is a major challenge of developing a should-cost estimate using existing methods. We develop an approach to simplifying a complex product, construct our model, and create a ready-to-use tool. We demonstrate the working of the model and the tool using the case of a semi-complex product (the fluid end of a pump) representative of a company's procured products. We then compare the price estimated by our model with that currently negotiated with our sponsor company's supplier and solicit qualitative feedback from procurement professionals regarding the should-cost tool's accuracy. The price estimated by our tool is within 9% of the actual negotiated price and required significantly less time to compute compared to the current approach based on product architecture. The company's sourcing and procurement executive strongly endorses the benefits of our approach. This tool can remove the reliance on supplier-supplied quotes and strengthen the purchasing company's negotiating position. The tool developed in this thesis is shown to provide a more accurate estimate of product cost, with significantly less estimation effort.
by Clayton M. Mealer and Sung Hwan Park.
M.Eng.in Logistics
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Cheek, Cheryl. "Promoting Life Management Skills to Enhance Employment among Women Receiving Services from the Division of Workforce Services." DigitalCommons@USU, 1999. https://digitalcommons.usu.edu/etd/2716.
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Erikson's theory of identity development and Marcia's model of identity statuses serve as a framework for this examination of the relationship between women's identity status and employment. The hypotheses of the study were that women with an achieved identity status would be more likely to obtain and retain employment and that interventions would increase their scores on identity-related subscales.
Phase I of this study examined the relationship between identity development and employment among 203 women receiving public assistance. Subjects provided employment and public assistance histories and were categorized into three preferred cognitive styles according to responses to the Berzonsky Cognitive Style Inventory: Information Orientation (characterized by active searching and evaluation of relevant information prior to decision making/problem solving); Nonnative Orientation (characterized by a passive approach to decision making/problem solving which reties upon the opinions of significant others), and Diffuse Orientation (decision making/problem solving characterized by procrastination and avoidance). Information-and Nonnative-oriented respondents reported just over one year of public assistance ( 15 .05 and 14.21 months, respectively), while the Diffuse-oriented respondents had utilized public assistance in excess of three years (37.20 months). Diffuse-oriented respondents also reported changing jobs more frequently during the previous 12 months than Information- and Normative-oriented respondents, although no differences were found among the three groups in months employed.
Phase 2 of this study used a quasi-experimental design to examine the effectiveness of interventions to affect employment and scores on the subscales of the Berzonsky Cognitive Style Inventory, as measured by the BCSI subscale scores. Results indicated that there were mixed differences in the pretest and 12-week followup scores of the intervention group on the subscales. However, there were more marked statistically significant differences in the number of hours worked per week and the percentage of the intervention group employed when comparing the pretest and the 12- week post intervention data. The results indicate that while the interventions were less effective in changing identity status than had been hypothesized, they were effective in assisting participants to obtain employment.
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Arora, Rashmi. "Digital financial services, gendered digital divide and financial inclusion: Evidence from South Asia." Routledge, 2020. http://hdl.handle.net/10454/18320.
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Zanner, Stefan. "Management inkrementeller Dienstleistungsinnovation : Gestaltungsempfehlungen für Financial E-Services /." Wiesbaden : Dt. Univ.-Verl, 2002. http://www.gbv.de/dms/zbw/345763475.pdf.
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Nadakavukaren, Schefer Krista. "International trade in financial services : the NAFTA provisions /." The Hague [u.a.] : Kluwer Law International, 1999. http://www.gbv.de/dms/spk/sbb/recht/toc/306304910.pdf.
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Antipov, Alexander Valentinovich. "Modelling and forecasting in the financial services industry." Thesis, Imperial College London, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.289848.
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陳詠儀 and Wing-yi Chan. "The smart card technology in the financial services." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1998. http://hub.hku.hk/bib/B31268596.
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Van, Wamelen Riaan Joop. "Artificial neural networks in the financial services industry." Thesis, Stellenbosch : Stellenbosch University, 1999. http://hdl.handle.net/10019.1/85178.
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Thesis (MBA)--Stellenbosch University, 1999.ENGLISH ABSTRACT: Neural networks are computer systems that attempt to mimic the operation of the human brain. In contrast to traditional systems these systems can learn and will change their behaviour over time. In the highly competitive business environment of today, neural networks is one of many technologies that can assist organisations in gaining a competitive advantage. Neural networks also find application in the financial services industry. Applications range from corporate distress or failure models to forecasting of stock prices and many others. Generally speaking, neural networks often offer an exciting alternative to traditional methods of forecasting and classification in this industry. Neural networks must be implemented with care and judgement, as their performance is sensitive with respect to their construction and architecture. Neural networks, as with other technologies, rarely operate in isolation. Neural networks can be integrated with expert systems, genetic algorithms, data mining and even traditional statistical and operational research techniques. Integration produces systems in which the whole is greater than the sum of the parts. Neural networks are also researched and applied in the South African financial services industry, both at an academic and commercial level. Indications are that South Africa is not far behind the international community in exploring the benefits of neural networks.
AFRIKAANSE OPSOMMING: Neurale netwerke is rekenaarstelsels wat poog om die werking van die menslike brein na te boots. In kontras met tradisionele stelsels, leer neurale netwerke en verander dus hul gedrag met verloop van tyd. In vandag se hoogs kompeterende besigheids omgewing, is neural netwerke een van vele tegnologieë wat organisasies kan gebruik om ‘n mededingende voordeel te bekom. Neurale netwerke het ook toepassing in die finansiële dienste industrie. Toepassings wissel van korporatiewe mislukkings modelle tot die vooruitskatting van aandele pryse en vele ander. Neurale netwerke bied ‘n opwindende alternatief tot tradisionele modelle vir vooruitskatting en klassifikasie. Toepassings van neurale netwerke moet egter met oorleg plaasvind, aangesien hul prestasie sterk afhanklik is van hul konstruksie en argitektuur. Soos met ander tegnologie, word neurale netwerke selde in isolasie geïmplementeer. Neurale netwerke kan met sukses geïntegreer word met ekspert stelsels, genetiese algoritmes, data ontginnings metodes sowel as tradisionele statistiese of operasionele navorsings metodes. Integrasie bied stelsels wat meer bied as die som van die onafhanklike komponente. Neurale netwerke word ook in die Suid-Afrikaanse finansiële industrie nagevors en toegepas. Alle indikasies dui daarop dat, met betrekking tot die navorsing van voordele van neurale netwerke, Suid Afrika nie ver agter die internasionale gemeenskap is nie.
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Strong, Scott R. "Measuring coaching effectiveness in the financial services industry." Thesis, Indiana Wesleyan University, 2014. http://pqdtopen.proquest.com/#viewpdf?dispub=3645202.
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This mixed methods study was to examine coaches who provided coaching for leaders to improve employee career development, defined as the individual's involvement and satisfaction with the organization in achieving his or her goals (Harter, Schmidt, & Haynes, 2002). The purpose is to determine if these coaches are able to be evaluated through assessments to determine who is more effective in coaching leaders in the financial services industry, and to determine the overall effectiveness in working with leaders to determine a non-traditional return on investment that an organization can use to measure coaching. One way to measure a coaching outcome is by goal achievement (Spence, 2007). The individual will be able to determine if measureable progress is being made toward goal achievement, which allows for earlier assessment of whether or not coaching is successful. This study was implemented to find out earlier if the coaching is working and to develop a more systemic way to assist high potential executives rather than leaving it up to each individual coach. The research creates a survey instrument and pilots its use in a financial services organization to evaluate the effectiveness of the questionnaire set created to conduct this study.
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Heron, Thomas. "Managing marketing information in financial services product development." Thesis, City University London, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.307880.
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Harborne, Paul. "Leading successful product innovation in consumer financial services." Thesis, City University London, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.340459.
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Khalidi, Manzoor Anwar. "Deconstructing the tensions in the financial services industry." Thesis, University of Southampton, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.326378.
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Chan, Wing-yi. "The smart card technology in the financial services /." Hong Kong : University of Hong Kong, 1998. http://sunzi.lib.hku.hk/hkuto/record.jsp?B19877183.
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Clifford, Matthew Philip. "Congress and the Financial Services Industry, 1989-2008." Thesis, Massachusetts Institute of Technology, 2009. http://hdl.handle.net/1721.1/54611.
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Thesis (S.M.)--Massachusetts Institute of Technology, Dept. of Political Science, 2009.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 136-138).
This thesis explores the congressional politics of the financial services industry in the United States between 1989 and 2008. Three approaches are pursued. First, I provide a detailed account of the major legislation concerning the industry during this period, with particular reference to interest group competition between commercial banks, securities firms and insurance companies and to the repeal of the Glass-Steagall Act in 1999. I suggest that intraindustry conflict was instrumental in delaying Glass-Steagall's repeal until 1999, but that these eventually faded away in response to events outside the Congressional sphere and gave way to a period of intra-industry cooperation in the years after 1999 because the repeal of Glass-Steagall effectively aligned the interests of industry sub-sectors. Second, I present statistical evidence that suggest that these changes are reflected in the contribution strategies of PACs aligned with the financial services industry. Before the repeal of Glass-Steagall, competing groups within the industry valued certain individual legislator characteristics (above all, various committee memberships) at quite different levels. However, after 1999, the contribution strategies of the industry sub-sectors converge in patterns consistent with the reduction of interest group competition. Third, I present the results of statistical models that provide further evidence that the repeal of Glass-Steagall represents a turning point with respect to intra-industry competition. I show that after 1999 competing interest groups began to coordinate their contributions to members of committees with jurisdiction over financial services legislation; before the repeal of Glass-Steagall, there is no evidence of this. Taken together, these three approaches suggest that the regulatory environment shapes not only the business practices of corporations, but also the ways they attempt to influence public policy.
by Matthew Philip Clifford.
S.M.
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Lee, Jihyun. "Factors affecting intention to use online financial services." The Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=osu1064325414.
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Hernandez, Javier. "Financial services and social structures : a comparative analysis." Thesis, University of Edinburgh, 2014. http://hdl.handle.net/1842/10565.
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Although there is an increasing interest in social sciences amongst policy makers in financial services and investment organisations, not enough is known about the way financial organisations and activities interact with their social environments. In particular, there is a need for more research into the way financial activities are integrated into broader social structures. This thesis will report on a comparative study analysing the practices of financial organisations and their employees in two very different social environments: the UK and Chile. From 38 in-depth interviews with financial practitioners in London, Edinburgh and Santiago de Chile about their job trajectories and experiences, it was possible to analyse the practices of financial organisations in the UK and Chile, with an emphasis on the way they interact with global financial trends and local distributions of power and resources. A sociological account of organisational processes such as recruitment, socialisation, staff allocation, promotion and organisation of work within firms in these countries allowed for description and analysis of the way firms’ practices are related to their social (structural, symbolic and institutional) contexts. The research shows that Chile’s position in the global financial market and local distribution of resources encourage more traditional organisational practices, especially in terms of recruitment, socialisation, staff allocation and promotion, as well as activities performed and the way services are provided. In the UK, on the other hand, all of the above-mentioned processes are more technical, formally designed and competitive.
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Zheng, Benjamin Yukai 1971. "Improving logistics and supply chain services for MNCs doing business in P.R. China." Thesis, Massachusetts Institute of Technology, 2003. http://hdl.handle.net/1721.1/28523.
Full textAbstract:
Thesis (M. Eng. in Logistics)--Massachusetts Institute of Technology, Engineering Systems Division, 2003.Includes bibliographical references (leaves 42-43).
by Benjamin Yukai Zheng.
M.Eng.in Logistics
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Scott, Shane P. (Shane Paul). "Network governance for the provision of behavioral health services to the US Army." Thesis, Massachusetts Institute of Technology, 2012. http://hdl.handle.net/1721.1/79535.
Full textAbstract:
Thesis (S.M.)--Massachusetts Institute of Technology, Engineering Systems Division, 2012.Cataloged from PDF version of thesis.
Includes bibliographical references (p. 230-234).
Under a charter from the Chairman of the Joint Chiefs of Staff, the author participated in a study of the military's behavioral health system for the purpose of determining the means and effectiveness of that system for the treatment of PTSD and related conditions. This work focuses on the architecture and means of control over the existing arrangement of semi-independent enterprises, organized into functional work groups that necessarily collaborate to provide a full spectrum of behavioral health services to service members and their families. The author suggests a rearrangement of the system architecture to enable integrated work across organizational boundaries in order to reduce waste generated through structural inefficiencies. Implementation of network architecture and control relies heavily on the development of shared strategic objectives that direct network processes in supporting overall organizational goals. Further, performance measurement systems and stakeholder behavior change through use of incentives are used as the drivers of inter-enterprise process development. Finally, a governance structure, focused on development of integrative processes and outcomes is established to foster inter-organizational relationships, direct process improvement, and resolve system conflicts.
by Shane P. Scott.
S.M.
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Williams, Sherry Lee. "Closing the Financial Inclusion Gap by Understanding What Factors Drive Consumer Selection of Financial Service Providers." Diss., Temple University Libraries, 2019. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/588911.
Full textAbstract:
Business Administration/Strategic ManagementD.B.A.
This research seeks to determine what factors and combinations of banking features drive the choice of a financial service provider. Two studies have been devised to explore the research question. The initial study, uses factor analysis and logistic regression to examine the importance of perceived cost, convenience, and relational trust in the choice of a financial services provider. An additional study uses choice-based conjoint analysis to conduct an exploratory study to identify combinations of banking features that potential customers perceive as most attractive. The study simulates real-world buying situations that ask research participants to trade one financial services attribute for another. Results from the first study suggest that a consumer’s choice of banks, prepaid cards, online lending, and the US Postal Service for financial services is associated with a preference for convenience while relational trust and perceived cost drives the choice of “street” AFS providers. In the second study, results from the choice-based conjoint analysis suggest that fees are significantly more important than convenience and level of customer contact across all categorical variables (age, gender, race/ethnicity, employment, income, and education). Additionally, in-person customer service contact is considered more important than convenience. Understanding these factors, optimal combinations and proportions, and trade-offs through the eyes of the consumer, may be of value to both policy makers and industry officials alike when grappling with options to strengthen financial inclusion.
Temple University--Theses