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Journal articles on the topic 'Estimate the cost of banking product'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Mahmodpour, Kamran, Mohammad Nabi Shahiki Tash, and Mohammad Hassan Fotros. "Assessing Market Structure in Iranian Banking Sector Based on the Multiproduct Approach." Modern Applied Science 11, no. 2 (2016): 79. http://dx.doi.org/10.5539/mas.v11n2p79.

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This article’s first aim is to find, the primary level of poly-product in Iranian banking section that causes the layout of the market between the banks become lower and bank concentration higher. To do that we use, the instance of Omni-product banks which is one of the most common approach developed by Penza & Rosse (1987). The first strand is related to bank cost function; and the other one to earnings multiproduct approach.In evaluating this experience-based examination and defining the effects of Omni-production on market penetration, we have applied a structural model to estimate dema

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Shamim, Farkhanda, Nobuyoshi Yamori, and Shahid Anjum. "Clicks business of deposit-taking institutions: an efficiency analysis." Journal of Economic Studies 44, no. 6 (2017): 911–30. http://dx.doi.org/10.1108/jes-01-2017-0003.

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Purpose The purpose of this paper is to empirically examine the direct and indirect effects of automated teller machines (ATMs) on the performance and scope economies of the Japanese financial institutions. Design/methodology/approach Stochastic frontier approach is adopted to estimate banks’ cost and profit efficiency indices and to examine the relationship between inefficiency scores and the number of ATMs. Findings The study concludes that the banks not only minimize costs and save money by using ATMs, but also spend the saved funds on hiring highly skilled staff to introduce a better produ

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Khalil, Khalid, Sheikh Raheel Manzoor, Muhammad Tahir, Nisar Khan, and Khalid Jamal. "IMPACT OF CYBER SECURITY COST ON THE FINANCIAL PERFORMANCE OF E-BANKING: MEDIATING INFLUENCE OF PRODUCT INNOVATION PERFORMANCE." Humanities & Social Sciences Reviews 9, no. 2 (2021): 691–703. http://dx.doi.org/10.18510/hssr.2021.9266.

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Purpose of Study: The study objectives are to: a) conduct a meta-analytical review to analyze the association among cybersecurity costs, such as prevention and detection costs (PDC), response costs (RC), development costs (DC), and indirect costs (IC), on the e-banking product innovation performance (PIP) and financial performance (FP), b) to evaluate the causal association of cyber security costs, i.e., (PDC, RC, DC, and IC) on PIP and FP; and c) investigate the mediating effects of PIP in a relationship between PDC, RC, DC, IC and FP.  Methodology: The study sample was the managerial c

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

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

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Din, Musleh-Ud, Ejaz Ghani, and Sarfraz Khan Qureshi. "Scale and Scope Economies in Banking: A Case Study of the Agricultural Development Bank of Pakistan." Pakistan Development Review 35, no. 3 (1996): 203–13. http://dx.doi.org/10.30541/v35i3pp.203-213.

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This paper examines the scale and scope efficiency of the Agricultural Development Bank of Pakistan. Using the production approach to measuring bank outputs and costs, a translog cost function is estimated to provide an assessment of the bank’s scale and scope efficiency, and to quantify the extent to which its production costs are sensitive to size and output mix. Our results show that the bank enjoys both overall and product-specific economies of scale and, therefore, there exists scope for the bank to expand its operations at declining average cost. We show that even though bank branches in

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Tajudeen Kolapo, Funsho, Joseph Oluseye Mokuolu, Samuel Obafemi Dada, and Adeola Oluwakemi Adejayan. "Strategic marketing innovation and bank performance in Nigeria." Innovative Marketing 17, no. 1 (2021): 120–29. http://dx.doi.org/10.21511/im.17(1).2021.10.

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To survive in the ever-increasing competition in the financial market, commercial banks need successful innovative strategies. However, there is insufficient information on appropriate innovative strategies required by banks. Primary data were obtained through a structured questionnaire. It was distributed among 1,200 bank employees and 300 bank customers of all eight systematically important banks (Access, Diamond, Eco, First, GTB, Polaris, UBA and Zenith) out of 21 deposit money banks in Nigeria as of December 31, 2016 by random sampling and stratified sampling techniques. The data were fitt

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Koldovskiy, Artem, and Kateryna Chernega. "Modeling the Ukrainian consumption." Geopolitics under Globalization 2, no. 1 (2018): 34–44. http://dx.doi.org/10.21511/gg.02(1).2018.05.

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Consumption is a fundamental determinant of the economic success. Consumer spending is approximately 70 percent of the Gross domestic product (GDP). It is common to divide consumer spending into nondurables (clothing and food), durables (“large” goods, which are not purchased very often), and of course services (day care, banking, medical). The way to identify how the economy influences consumption is to look at specific economic cycles. At the top of the economy (when the economy is strong), people reaction is physically powerful, and consumers spend money freely. When the economy falters, co

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Cebula, Richard J., Wendy Gillis, S. Cathy McCrary, and Don Capener. "New evidence on the impact of economic conditions and banking legislation on the bank failure rate in the US, 1970 to 2014." Journal of Financial Economic Policy 8, no. 3 (2016): 364–76. http://dx.doi.org/10.1108/jfep-02-2016-0019.

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Purpose This study aims to identify factors influencing the bank failure rate in the USA over the period from 1970 to 2014 with an emphasis on economic/financial factors on the one hand and on banking legislation on the other hand. Regarding the latter, this study empirically investigates four major banking statutes: the Community Reinvestment Act of 1977; the Depository Institutions Deregulation and Monetary Control Act of 1980; the Federal Deposit Insurance Corporation Improvement Act of 1991; and the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. After adopting the tec

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Bayangos, Veronica. "Does bank competition affect bank risk-taking differently?" Philippine Review of Economics 59, no. 2 (2022): 41–80. http://dx.doi.org/10.37907/2erp2202d.

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This paper examines the presence of two competing views—“competition-fragility” and “competition-stability”—in analyzing the impact of competition on bank stability. The approach is to first construct measures of bank competition from a unique dataset of balance sheet and income statements for 542 banks operating in the Philippines from March 2010 to December 2020. The paper then estimates the impact of these competition measures on solvency risk or the risk of being unable to absorb losses with the available capital across universal/commercial banks (U/KBs), thrift banks (TBs) and rural/coope

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Ngo, Thanh, and David Tripe. "Stochastic cost frontier analysis – a sensitivity analysis on cost measures." Pacific Accounting Review 28, no. 4 (2016): 401–10. http://dx.doi.org/10.1108/par-03-2016-0028.

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Purpose This paper aims to examine alternative methods for recording and treating costs in studies of bank efficiency. Design/methodology/approach This study used stochastic frontier analysis (SFA) models with core costs and total costs to estimate the cost efficiency of banks in two different economies, Vietnam where the banking system is under-developed (and thus is dominated by traditional banking activities) and New Zealand where the banking system is well-developed (and thus non-traditional banking activities play an important role). Findings The authors found that models using total cost

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Lubis, Andi Fahmi. "MARKET POWER OF INDONESIAN BANKING." Buletin Ekonomi Moneter dan Perbankan 14, no. 3 (2012): 225–44. http://dx.doi.org/10.21098/bemp.v14i3.403.

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This study aimed to estimate the degree of market power exercised by commercial banks in the credit market in Indonesia. The model used to answer this study’s objective was the Bresnahan-Lau oligopoly model that uses structural equations to estimate the degree of market power. This model uses a very different approach than Structure-Conduct-Performance (SCP) paradigm commonly used in market power studies. Without using actual cost data and accounting profit, the Bresnahan-Lau model was able to estimate directly the degree of market power from the structural equations. The main result of this s

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Sun, Li, Peng Lu, Zi Qin Ma, Xiu Lun Wang, and Guang Wei Qi. "Research and Practice on the Process Cost Estimation Based on Features and Intelligent Computation of Locomotive Axle." Advanced Materials Research 588-589 (November 2012): 1760–63. http://dx.doi.org/10.4028/www.scientific.net/amr.588-589.1760.

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In the production process, the cost estimate has a direct impact on the product design and economic efficiency. The establishment of process cost estimation model based on features and intelligent computation can quickly and accurately estimate the process cost of product with high precision. In the condition of poor basic data and inadequate labor power, material and financial resources, carry out the study and practice on the locomotive axle process cost estimation based on features and intelligent computation from the product process. This method can quickly estimate the cost of the product

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., Awaluddin, and Haeruddin Saleh. "Transforming Banking Experiences: The Effectiveness of Sharia Management in Boosting Customer Satisfaction in Makassar." Journal of Ecohumanism 3, no. 4 (2024): 1794–810. http://dx.doi.org/10.62754/joe.v3i4.3711.

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The growth of the Islamic banking industry in Makassar has shown significant progress; however, a thorough analysis of the factors influencing customer loyalty is still needed. This study aims to analyze the impact of product innovation, service quality, and transaction security on customer satisfaction and loyalty in Islamic banks in Makassar. Structural Equation Modeling (SEM) using AMOS was applied to data collected from 400 Islamic bank customers. The results indicate that service quality (estimate 0.253, C.R. 3.229) and transaction security (estimate 1.581, C.R. 3.216) have a significant

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Inder, Pal Singh S/o Roop singh* Dr. Payal Bassi. "CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 3 (2017): 270–76. https://doi.org/10.5281/zenodo.400932.

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E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, mass customization, product innovations, improved marketing, and communication, the ability to devel

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Butler, Alexander W., Gustavo Grullon, and James P. Weston. "Stock Market Liquidity and the Cost of Issuing Equity." Journal of Financial and Quantitative Analysis 40, no. 2 (2005): 331–48. http://dx.doi.org/10.1017/s0022109000002337.

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AbstractWe show that stock market liquidity is an important determinant of the cost of raising external capital. Using a large sample of seasoned equity offerings, we find that, ceteris paribus, investment banks' fees are significantly lower for firms with more liquid stock. We estimate that the difference in the investment banking fee for firms in the most liquid vs. the least liquid quintile is about 101 basis points or 21% of the average investment banking fee in our sample. Our findings suggest that firms can reduce the cost of raising capital by improving the market liquidity of their sto

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Paleckova, Iveta. "Cost Efficiency Measurement Using Two-Stage Data Envelopment Analysis in the Czech and Slovak Banking Sectors." Acta Oeconomica 69, no. 3 (2019): 445–66. http://dx.doi.org/10.1556/032.2019.69.3.6.

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The aim of the paper is to estimate cost efficiency and its determinants of the Czech and Slovak commercial banks within the period of 2005–2015. In this paper two-stage Data Envelopment Analysis (DEA) is used. In the first stage, I estimate the relative cost efficiency applying the input-oriented model with variable return to scale and find that the Czech banks were more cost efficient than the Slovak banks. The main reason of cost inefficiency is the excess of clients' deposits in the banks' balance sheet. In the second stage, I use the panel data analysis and estimate the determinants of co

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Heaney, Joo‐Gim, and Ronald E. Goldsmith. "External information search for banking services." International Journal of Bank Marketing 17, no. 7 (1999): 305–23. http://dx.doi.org/10.1108/02652329910305670.

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Empirically examines how certain variables influence the extent of external information search for banking services. The effects of perceived benefit, perceived cost, perceived risk, and perceived knowledge are tested within a proposed structural equation, cost‐benefit based Banking Services Model (BSM). Surveys a sample of 661 students at a major US university to gather data on their information search for banking services. The results reveal that the BSM provides a good fit to the data. Perceived benefit, cost and knowledge influence the extent of prepurchase bank information search. In addi

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L, Rayees Ahmed, and Sulaiman J. "Advancements in Banking Industry." Shanlax International Journal of Management 6, no. 1 (2018): 26–31. https://doi.org/10.5281/zenodo.1323054.

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The changes and development of bank advancements in technologies and other aspects of industry, helps the banks to grow fast and also it enables the customers to use product wisely. Transformation of banking industry from dust of ledger accounts to computerised for the increase of revenue, enhance customer experience, minimize cost structure and manage enterprise risk. Banks already engaged in services like ATM, Credit and Debit Cards, there are collaborations or partnering solution with foreign banks to outsource their work. The providers are fin-tech, finacle and others are playing an import

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Amoah, Benjamin, Kwaku Ohene-Asare, Godfred Alufar Bokpin, and Anthony Q. Q. Aboagye. "Technical efficiency: the pathway to credit union cost efficiency in Ghana." Managerial Finance 44, no. 11 (2018): 1292–310. http://dx.doi.org/10.1108/mf-10-2017-0431.

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Purpose The purpose of this paper is to investigate the factors that tend to influence credit union efficiency, specifically examining cost efficiency (CE) and technical efficiency. Design/methodology/approach Using a two-stage method, the authors first estimate CE using Tones’ SBM data envelopment analysis method and technical efficiency in a variable returns to scale setting during the period 2008–2014. The authors estimate a mixed-effects and two-limit Tobit regression to examine the effect of credit union specific characteristics, banking industry and macroeconomic conditions, on efficienc

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Kwon, Hong Kyu, and Kwang Kyu Seo. "Development of a Hybrid Life Cycle Cost Model for Estimating Product Design Alternatives in Cloud Computing Based Collaborative Design Environment." Advanced Materials Research 658 (January 2013): 614–19. http://dx.doi.org/10.4028/www.scientific.net/amr.658.614.

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In a competitive and globalized business environment, the need for the sustainable product development becomes stronger. To meet these trends, the total cost during the product life cycle, called life cycle cost (LCC), should be considered as an important factor in new product development. In this paper, a hybrid life cycle cost model (HLCCM) is developed as a hybrid life cycle cost system (HLCCS) to estimate the cost performance of product design alternatives. It aims at improving the cost performance of products using genetic algorithms and artificial neural networks which consist of high-le

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Alhassan, Abdul Latif, and Kwaku Ohene-Asare. "Competition and bank efficiency in emerging markets: empirical evidence from Ghana." African Journal of Economic and Management Studies 7, no. 2 (2016): 268–88. http://dx.doi.org/10.1108/ajems-01-2014-0007.

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Purpose – The purpose of this paper is to examine the relationship between competition and efficiency in the Ghanaian banking industry. Design/methodology/approach – Data on 26 banks from 2004 to 2011 is used to estimate technical and cost-efficiency scores by the data envelopment analysis while the Boone indicator is employed to proxy for competition. Controlling for bank size, lending, income diversification, tangibility, leverage and profitability, ordinary least squares, instrumental variables and fixed effects estimations are used to estimate the panel regression model. The authors also a

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The, Jaya Suteja, Prasad K. D. V. Yarlagadda, M. Azharul Karim, and Cheng Yan. "A Framework for Life Cycle Cost Estimation of a Product Family at the Early Stage of Product Development." Advanced Materials Research 605-607 (December 2012): 222–27. http://dx.doi.org/10.4028/www.scientific.net/amr.605-607.222.

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A cost estimation method is required to estimate the life cycle cost of a product family at the early stage of product development in order to evaluate the product family design. There are difficulties with existing cost estimation techniques in estimating the life cycle cost for a product family at the early stage of product development. This paper proposes a framework that combines a knowledge based system and an activity based costing techniques in estimating the life cycle cost of a product family at the early stage of product development. The inputs of the framework are the product family

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Mahmodpour, Kamran, Mohammad N. Shahiki Tash, and Mohammad Hassan Fotros. "The Effect of Economies of Scope on Iranian Banking Sector Structure: An Application of Multi-Product Function and Multi-Level Effect Approaches." Scientific Annals of Economics and Business 65, no. 4 (2018): 459–75. http://dx.doi.org/10.2478/saeb-2018-0016.

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Abstract This paper investigates, using a multi-product paradigm, the market structure of the Iranian banking sector to evaluate the role of scale. In so doing, we checked for economies of scope by multi-product cost function as well as the impact of potential economies on the banking sector structure including 18 banks during the period 2008–2014. The changes in Panzar-Rosse H-Statistic as a result of the variety in products reflect changes in the monopolistic power. The results show that an increase in the variety of offered products increases banks’ monopolistic power.

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Zheng, Yi, Ming Hua Wang, and Tao Yang. "Study on Cost Estimate at Product Design Stage Based on Factor Analysis and Neural Network." Advanced Materials Research 403-408 (November 2011): 1781–85. http://dx.doi.org/10.4028/www.scientific.net/amr.403-408.1781.

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The cost estimate plays an important role in cost control and developing new products at the design stage. To improve the accuracy of cost estimate, we extract the feature parameters using the theory of concurrent engineering and factor analysis. Then we propose DCEM that is the model of cost estimate based on factor analysis and BP neural network. The model not only simplifies the input of BP neural network, but also avoids the coupling among the input parameters. The result shows that the model’s performance is stable and it can estimate the cost more accurate at the early product design sta

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Nguyen, Phong Hoang, and Duyen Thi Bich Pham. "Income diversification and cost-efficiency of Vietnamese banks." International Journal of Managerial Finance 16, no. 5 (2020): 623–43. http://dx.doi.org/10.1108/ijmf-06-2019-0230.

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PurposeThe study examines the impact of income diversification on cost efficiency of Vietnamese commercial banks over the period 2005–2017.Design/methodology/approachIncome diversification indicators are designed based on measures of diversifying loan portfolio. Besides the traditional model, we use the Fractional Regression to estimate the model with dependent variables defined on the unit interval.FindingsThrough the two-stage DEA analysis, we find that the income diversification has a positive impact on the cost efficiency of banks. In addition, this impact is stronger for unlisted banks an

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Rahman, Akim M. "Voluntary insurance for rapid growth digital banking: Seeking attentions for policy-design in Pakistan-economy." BRICS Journal of Economics 5, no. 1 (2024): 39–52. http://dx.doi.org/10.3897/brics-econ.5.e121606.

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In today’s business-driven world, e-banking service is an important product in financial sectors of many countries and Pakistan is no exception. Many affect the delivery of these services, often unpredictable, factors and are fraught with serious pitfalls including those of psychological nature. The Voluntary Insurance scheme can help the country overcome existing difficulties and move closer to a cashless society, contributing to the growth of the banking sector and safety of the e-banking operations in Pakistan. The new e-banking legal products are expected to gratify consumers, make the ban

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Asongu, Simplice, Rexon Nting, and Joseph Nnanna. "Market power and cost efficiency in the African banking industry." Journal of Economic Studies 47, no. 6 (2020): 1247–64. http://dx.doi.org/10.1108/jes-04-2019-0166.

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PurposeIn this study, we test the so-called “Quiet Life Hypothesis” (QLH), which postulates that banks with market power are less efficient.Design/methodology/approachWe employ instrumental variable Ordinary Least Squares, Fixed Effects, Tobit and Logistic regressions. The empirical evidence is based on a panel of 162 banks consisting of 42 African countries for the period 2001–2011. There is a two-step analytical procedure. First, we estimate Lerner indices and cost efficiency scores. Then, we regress cost efficiency scores on Lerner indices contingent on bank characteristics, market features

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Duarte, Patricia, Jwen Fai Low, and Andrea Schiffauerova. "Balancing risk and revenue: cost of quality within the banking industry." International Journal of Quality & Reliability Management 35, no. 10 (2018): 2181–94. http://dx.doi.org/10.1108/ijqrm-06-2017-0106.

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Purpose By developing a better understanding of costs associated with improving organizational quality and costs incurred by neglecting it, banks could devise more optimal operational policies. The paper aims to discuss this issue. Design/methodology/approach This paper proposes a generic banking cost of quality (COQ) model developed from Colombian banking data. The model has been developed using the product performance approach, which is consistent with strategizing from a long-term and organization-wide perspective. The proposed COQ function is composed of prevention and appraisal categories

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Huang, Xiao Xi, Linda B. Newnes, and Glenn C. Parry. "The adaptation of product cost estimation techniques to estimate the cost of service." International Journal of Computer Integrated Manufacturing 25, no. 4-5 (2012): 417–31. http://dx.doi.org/10.1080/0951192x.2011.596281.

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Li, Kai Shi, Wen Quan Huang, and Hai Jun Liu. "The Application and Research for Estimation Method of Turning Cost." Advanced Materials Research 189-193 (February 2011): 716–19. http://dx.doi.org/10.4028/www.scientific.net/amr.189-193.716.

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The paper introduces a estimation method of turning cost applied to various kinds of lathe. The method can estimate the lathe machining cost of product in initial design and feedback the cost information for the designers improvement design and improve the market competitiveness of product.

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Holland, Dawn, Ray Barrell, Tatiana Fic, et al. "The World Economy: The global cost of delaying bank stability." National Institute Economic Review 207 (January 2009): 10–17. http://dx.doi.org/10.1177/0027950109103668.

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In October 2008, we were already projecting that 2009 would see the worst recession in the OECD economies since 1982, and if the resolution of problems in the banking sector were to be delayed then the outcome would be much worse. We are now facing the deepest global recession in post-war history, with global growth of just ½ per cent expected this year. Output in the OECD group of economies is projected to decline by 1.8 per cent this year, with annual declines in output anticipated in all the G7 economies, even after all fiscal stimulus packages are taken into account. We estimate that about

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Ige, Peter Abiodun, Osaretin Kayode Omoregie, and Sodik Adejonwo Olofin. "Determinants of Banks and Financial System Efficiency in Nigeria: A Stochastic Frontier Approach (SFA)." Asian Journal of Economics, Business and Accounting 25, no. 3 (2025): 77–92. https://doi.org/10.9734/ajeba/2025/v25i31696.

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This study adopts the relatively novel stochastic frontier analysis approach in examining cost efficiency and its determinants in the Nigerian banking sector, focusing on the dual effects of bank specific factors and macroeconomic variables. Data were sourced from the annual reports of sixteen Nigerian commercial banks over a 13-year period, spanning from 2006 to 2018. The results show that Nigeria banks are generally cost-efficient with asset quality and regulatory quality enhancing the efficiency, while inflation and financial capital undermines it. The efficiency score measures how efficien

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

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

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Ananda, Denta Felli. "EVALUASI STRATEGI PENINGKATAN DANA MURAH DAN DIGITAL BANKING DI CIMB NIAGA." E-Jurnal Manajemen Trisakti School of Management (TSM) 2, no. 1 (2022): 31–40. https://doi.org/10.34208/ejmtsm.v2i1.989.

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Banking intermediation role an institution that gathers fund and distributes it to the are being challenged by the development of digital information technology that impact the entire industry. Bank’s ability to increase the low cost fund through digital banking platform will determine how the bank obtain a competitive advantage. This study aims to evaluate if the competitive strategies applied to increase low cost fund performance and the utilization of digital banking in PT Bank CIMB Niaga,Tbk has align with the corporate strategy. This framework is evaluating the strategy through qualitativ

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Hall, Maximilian J. B., and Ganjar Mustika. "An Empirical Study of Optimal Bank Corrective Action for Indonesia Employing the Dynamic Contingent Claims Model." Review of Pacific Basin Financial Markets and Policies 08, no. 03 (2005): 339–76. http://dx.doi.org/10.1142/s0219091505000452.

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This study highlights how banking regulation in Indonesia can be improved with a view to enhancing the cost-effectiveness of banking regulation and social welfare, and preventing future financial instability. We employ the Fries, Mella-Barral, and Perraudin (FMP) model (1997) and analyze the model under a robust regulatory regime concept to provide a new framework for banking regulation. Maximum likelihood estimates in VAR and GARCH are applied to monthly data on the market returns and deposit values for relatively-large banks. The results show how the authorities in Indonesia can establish op

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Exley, C. J., and A. D. Smith. "The Cost of Capital for Financial Firms." British Actuarial Journal 12, no. 1 (2006): 229–83. http://dx.doi.org/10.1017/s1357321700004761.

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ABSTRACTMost businesses have assets financed by capital providers. The cost of capital is a measure of the returns required by those capital providers. Its main use is to set a target for the profits, which must be achieved on the firm's assets in order to satisfy equity and bond holders.This paper describes the classical theory of the cost of capital, and then applies it to the special case of banking and insurance firms. We develop implications for product pricing, performance measurement and capital structure optimisation.

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Luthfiatussa’dyah, Dila, Ahmad Mulyadi Kosim, and Abrista Devi. "Strategi Optimalisasi Digitalisasi Produk Perbankan pada Bank Syariah Indonesia." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 3 (2022): 783–802. http://dx.doi.org/10.47467/elmal.v4i3.2073.

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 Along with changes in technology and life in all fields, all agencies strive to create innovations that have more capabilities in providing the best and useful services for all. A revolutionary change that changes any need so that it can be served in one application is called digitization. Digitalization in the banking world plays an important role and is a must to change the mindset. As a result of digitalization, customers can access things quickly, efficiently, and flexibly anywhere and anytime. The purpose of this study is to determine the benefits, opportunities, costs, risks of di

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Riak PhD, Gabriel Alier, and Dut Bol Ayuel Bill. "EFFECTS OF INFORMATION TECHNOLOGY ON BANKING SERVICE." IJRDO - Journal of Social Science and Humanities Research 8, no. 11 (2022): 70–71. http://dx.doi.org/10.53555/sshr.v8i11.5382.

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The banking sector should anticipate challenges when adopting the use of technology so as to increase the possibility of success when using different forms of technology. Bradley and Stewart (2003), note that in the 21st century, many of the world banks use some form of technology. The research also found out that small banks have reaped great benefits from the emergence and use of technology. This conclusion is echoed by Vainio (2006) who concludes that the use of technology to provide services by small banks help them to gain a competitive advantage. Poon (2008) notes that security and

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Dhairyasheel, Jadhav Sundar, and Thorat Shubhada Sambhaji. "A Study of Consumer Satisfaction Towards E-Banking Facilities Provided by Private Sector Banks with The Reference Vita City and Its Correlation with The Level of Education." Indonesian Journal of Educational Research and Technology 3, no. 2 (2022): 147–54. http://dx.doi.org/10.17509/ijert.v3i2.50081.

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Once upon a time, bank banking services do not provide multiple banking services. The customer of the bank is ca not use the e-banking services after some time banking sector analysis the market environment and provided the various types of banking services. Every customer is the king of the market. In the market, every businessman knows the demand of the customer and they produce the product which is satisfied their need and wants. Nowadays the banking sector adopts the new technology in their sector e-banking services plays an essential role in the banking sector. This facility attracts ever

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Rizk, Samar. "Impact of main idiosyncratic and exogenous factors on cost Efficiency: The case of MENA banking industries – SFA approach." Financial Markets, Institutions and Risks 6, no. 4 (2022): 51–59. http://dx.doi.org/10.21272/fmir.6(4).51-59.2022.

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This study explores the impact of main idiosyncratic endogenous (Capital ratio, Diversification, Liquidity, Return on equity (ROE), Banks assets’ size) and macroeconomic exogenous (Inflation rate, GDP growth rate and HHI concentration index) determinants of the banking firm that influence banks’ cost efficiency. Using the SFA (Stochastic Frontier Approach) we estimate cost efficiency of the MENA banking sectors through a two-stage model: i) Including idiosyncratic and macroeconomic factors at a first stage under SFAW (SFA With) and ii) excluding these factors under SFAWO (SFA without) at a sec

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Karwasz, Anna, Ewa Dostatni, Jacek Diakun, Damian Grajewski, Radosław Wichniarek, and Marek Stachura. "Estimating the Cost of Product Recycling with the Use of Ecodesign Support System." Management and Production Engineering Review 7, no. 1 (2016): 33–39. http://dx.doi.org/10.1515/mper-2016-0004.

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Abstract The paper focuses on issues associated with the ecodesign of household appliances. The authors describe the estimation of recycling cost of end-of-life products using their original system supporting ecodesign. The cost estimate was conducted during product design stage using the information stored in CAD 3D system. A sample estimate was made for a washing machine, fridge, kettle, and a hairdryer.

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Hasan, Rabia, and Muhammad Aqil. "Estimation of Financial Inclusion Index for Low and Lower-Middle-Income Countries." Market forces 18, no. 1 (2023): 155–66. http://dx.doi.org/10.51153/mf.v18i1.619.

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This study aims to estimate the financial inclusion (FI) index in Low- Income and Lower-Middle- Income (LLMI) Countries. The study used the Principal Component Analysis technique and Euclidean Distance Method to estimate the FI index for 39 LLMI countries over 11 years, from 2010 to 2020. For constructing the index, this study used four dimensions, i.e., “financial access, financial usage, infrastructure & communication technology, and banking cost.” These findings suggest that the exploitation of FI is the reason behind the low FI level in LLMI countries. Moreover, these countries have a

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Ashriana, Ahfi Nova. "MANAJEMEN PERBANKAN BERBASIS NILAI: DAMPAK PADA PENGEMBALIAN PEMEGANG SAHAM." Media Mahardhika 18, no. 3 (2020): 482–99. http://dx.doi.org/10.29062/mahardika.v18i3.232.

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In this study, we analyzed the drivers of Total Shareholder Revenue (TSR) at commercial banks and evaluated whether non-adopter TSR performed better by Value-Based Management (VBM) banks. TSR models using data from 132 commercial banks registered in Europe and North America are estimated. First, we point out that banking institutions that have publicly implemented VBM in their MCS outperform non-VBM banks. VBM adopters produce annual TSR with an average of 5.8 percentage points. In terms of profitability, growth and liquidity, they also outperform non-VBM banks. Second, we note that banking co

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Sharma, A., and S. K. Lenka. "Analysis of QKD multifactor authentication in online banking systems." Bulletin of the Polish Academy of Sciences Technical Sciences 63, no. 2 (2015): 545–48. http://dx.doi.org/10.1515/bpasts-2015-0062.

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Abstract In the present scenario internet usage and the online banking sectors are experiencing spectacular growth. The Internet is the fastest growing banking channel today, both in the fields of corporate and retail banking. Banks prefer their customers to use the online banking facility as it reduces their cost, primarily through labour costs. The online banking system addresses several emerging trends: customers’ demand for anytime, anywhere service, product time-to-market imperatives and increasingly complex back-office integration challenges. Online fraud has become major source of reven

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ZHANG, XIN, and JIANWU ZHANG. "A COST ESTIMATION METHOD BASED ON THE SECONDARY DEVELOPMENT OF SOLIDWORKS." Journal of Advanced Manufacturing Systems 10, no. 01 (2011): 85–92. http://dx.doi.org/10.1142/s0219686711002016.

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Due to the highly competitive nature of businesses today, cost estimation forms an important strategic process in making decisions about design and development of new products. It is advantageous to be able to estimate the product costs early in the product development cycle. In this paper, products' cost structure based on the feature is proposed by analyzing product cost, and the calculation methods of manufacturing cost is introduced. By means of parametric designing capability, functional frame of cost estimation system is built on the basis of the secondary development technique of SolidW

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Khachidze, Ani. "Product Types Changes after the Russia-Ukraine War." Economics 106, no. 9-10 (2024): 80–84. http://dx.doi.org/10.36962/ecs106/9-10/2024-80.

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The events of February 24, 2022 had a profound impact not only on the events in the world, but also on the banking sector of the specifics. After this period, a mass influx of foreigners began on the territory of Georgia, which after a short period of time had a huge impact on the appearance of existing products. For example: the cost of the concept service at one Bank if it amounted to 20 GEL monthly for all citizens of all countries before 2022, the Bank decided to increase the non-benchmark fee to 25 GEL per month for foreign nationals. Since the mentioned restriction did not have a huge im

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Rahman, Akim M., and Saadi Islam. "Ensuring Risk-Free Digital-Banking in US-Economy: Application of Akim’s Model." International Business & Economics Studies 4, no. 2 (2022): p102. http://dx.doi.org/10.22158/ibes.v4n2p102.

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Humankind today lives with technology-driven lifestyles where services are carried-out in a competitive manner in economy country-wise such as the United States. In this progression, banking services are no different. It has resulted digital-banking in US-economy where few banks do not have physical branches. Under Bank Laws, Federal Deposit Insurance Corporation (FDIC) has been protecting bank deposits. However, e-banking is characterized by evolving many factors that are often unpredictable. It faces serious pitfalls being it riskiness in digital banking – bank-led and mobile-led digitals. T

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Augustia, Sekarani Yuteva, Susilo Toto Raharjo, and Sutopo Sutopo. "INVESTIGATING THE EFFECT OF CUSTOMER RELATIONS QUALITY AND PRODUCT EXCELLENCE ON MARKETING PERFORMANCE THROUGH PRODUCT COMPETITIVE ADVANTAGE (Empirical Study at PT Bank Mega, Tbk)." Jurnal Sains Pemasaran Indonesia (Indonesian Journal of Marketing Science) 17, no. 2 (2019): 103. http://dx.doi.org/10.14710/jspi.v17i2.103-118.

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In this highly competitive banking industry, every bank needs to create superior value for its customers. The ideal banking industry to improve the quality of customer relationships is a company that wants to optimize profits by closer (customer intimacy) and harmonious relationship with its customers. Thus, the value-added relationship marketing can be optimized in streamlining and streamlining costs to acquire new customers or retain old customers so that the cost and marketing efforts are not in vain and profits can be increased even more. This study specifically examines the effect of cust

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Nui Polatoglu, Vichuda, and Serap Ekin. "An empirical investigation of the Turkish consumers’ acceptance of Internet banking services." International Journal of Bank Marketing 19, no. 4 (2001): 156–65. http://dx.doi.org/10.1108/02652320110392527.

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An exploratory study of consumer acceptance of Internet banking (IB) services is conducted in a Turkish bank. Examines both consumer‐related factors that may affect the adoption of an innovation or a product (such as complexity, perceived risk, and relative advantage) as well as organizational factors such as marketing effort. The results suggest that IB not only reduces operational cost to the bank, but also leads to higher levels of customer satisfaction and retention. Accordingly, it is argued that IB is strategically important to the banking sector in an emerging economy, such as in Turkey

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Alhassan, Abdul Latif. "Income diversification and bank efficiency in an emerging market." Managerial Finance 41, no. 12 (2015): 1318–35. http://dx.doi.org/10.1108/mf-12-2014-0304.

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Purpose – The purpose of this paper is to explore the non-linear relationship between income diversification and efficiency of Ghanaian banks within the universal banking era. Design/methodology/approach – The stochastic frontier analysis (SFA) technique is employed on annual data of 26 Ghanaian banks from 2003 to 2011 to estimate cost and profit efficiency scores. In the second stage analysis, a tobit regression model is estimated to examine the empirical effect of diversification into non-interest generating activities on estimated cost and profit efficiency scores while controlling for othe

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